Subject: December 2014 Newsletter

Bubble Paranoia Setting In as S&P 500 Surge Stirs Angst

After two years of uninterrupted gains in U.S. stocks, anxiety continues to grow among financial professionals, with 3 in 5 saying the market is on the verge of a bubble, or already in one.

Real Pension Reform Requires Voters to Change the State Constitution

The IL Supreme Court will soon determine if the $100 billion pension deficit can legally be fixed by making changes to public employee pension plans to include delaying the age of retirement, slowing cost-of-living increases, and capping pensionable salary.

Important Financial Planning Steps for Recent Widows and Widowers

The loss of a spouse may be one of the most difficult experiences any of us face in life. And while the emotional burdens may be high, the financial costs of inaction or misguided action could be significant. That’s why it’s critical to identify and eventually address certain important financial matters.

Lowering the Drinking Age and Its Effects on College Campuses

Some experts are pointing to the unrealistic drinking age that may be evoking the “forbidden fruit” appeal to college students. The legal drinking age of 21 affects approximately ¾ of our college students. The lowering of the drinking age may enable young women test their alcohol tolerance in a safe environment..

Is Torture Being Facilitated Under Obama?

Will the U.S. Senate report on the C.I.A.’s torture practices re-establish the U.S. as a guardian of Western humanist values? Or have we changed course and now subscribe to Colonel Kurtz’s famous soliloquy in the award winning film, Apocalypse Now, for our survival.

Presidential Hopefuls Eye School Choice Expansions

Statewide voucher programs for states like Indiana and Wisconsin may change soon, as new legislators come into office and present new policies.

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