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 Money Matters With Jennifer
Boomers to Millennials – Are You Talking to Your Grandchildren?
QBy Jennifer Scroggins, Investment Advisor Representative
uestion: Ever wonder what They envisioned themselves as adults, with makes one generation different responsibilities. They were asked how they from another? Try this with your would feel if they couldn’t meet their goals.
  family:
Ask, “When I say “NASA”, what comes to
your mind?” For Boomers it’s probably Neil Armstrong stepping on the moon in 1969. To Gen Xers, it might be Viking 1 touching down on Mars. Millennials may think of the Hubble Telescope. Each generation is loosely defined by thoughts and attitudes created through shared life experiences, usually the ones from our teens.
So what have we learned about Millennials? Born between 1982 and 2004, they are conservative in nature and the least trusting generation. They remember the 9/11 attacks and the economic downturns. 75% consider wealth a very important attribute - good, considering they stand to inherit over $30 Trillion before 2044.* But here’s a concern. How they will handle it. So I ask, is this a discussion your family is having? To me, financial legacy and literacy go hand in hand. We need to open the lines of communication and prepare our families.
A few years ago I had an idea of how I could impact the Millennial Generation. I began inviting groups of teens to a 3-month series on life planning and Financial Fitness. The classes were interactive. I took them through an imaginary family of 4. We looked at income, expenses, and savings goals. We addressed protection needs.
BIy Katelyn Harvey
t’s November which means chilly temperatures. When water temperatures move in the direction
of freezing, that can mean trouble for unsealed outdoor surfaces, like flagstone.
Over the past 25 years, I’ve cleaned and sealed just about every surface outside the home. But lately, with the introduction of the saltwater swimming pool, I’m getting a lot of calls asking why the flagstone is flaking into the pools. After phoning many local pool installer, this seems to be a common problem: the flagstone flakes and discolors the pool inside.
So why does this happen? When water temperature moves in the direction of freezing, the water expands. When rock or flagstone moves in direction of freezing, the rock contracts, or gets smaller. So when temperatures change throughout the day, the rock and water move in opposite directions, causing flaking.
So what’s the solution? Seal water out of the stone. The sealer that works best is a penetrating solexene – a sealer with a small molecule that will penetrate deep into the stone, encapsulating the granules that make up the stone creating many layers of
This was an eye opener! They learned about the power and importance of saving early.
Often, I hear complaints about what the youth don’t know, so I decided I it’s up to us to teach them. Through education we build trust and prepare them for their future. Remember, a Millennial will be running the White House one day - so start engaging your family today!
Securities and investment advisory services offered through Royal Alliance Associates, Inc. member FINRA/SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc. 3522 Paesanos Pkwy, Suite 100, San Antonio, TX 78231, (210) 998-5000.
*Estimates developed by Paul Schervish and John Havens, of the Center on Wealth and Philanthropy at Boston College, 2013.
Securities and investment advisory services offered through Royal Alliance Associates, Inc. member FINRA/SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/
or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc. 3522 Paesanos Pkwy, Suite 100, San Antonio, TX 78231, (210) 998-5000.
Jennifer Scroggins
Financial Advisor Platinum Wealth Solutions
(210) 789-2003 www.jenscroggins.com
    For More Information: please contact 210-335-2478
                                                 sealant inside the rock. Solexene also dries to a natural color and creates a high surface tension that emulsifies water away. It has a long life and will not break down in the sun.
I believe solexene is the perfect solution for flaking flagstone and I have firsthand knowledge to prove it. I built two flagstone patios, side by side, with the same stone. I sealed one patio and left the other unsealed. The sealed patio does not saturate water and does not flake. However, the unsealed patio is constantly flaking and pooling. When it gets wet, it stays wet. And as the temperature fluctuates, it flakes.
I hope you find these tips useful. I’d be happy to service your deck and patio today! Just call Barry Hagendorf’s Deck and Patio Care at 210-822-9147 for a free estimate or visit www.deckandpatiocare.com
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