Hedley & Company ClientLine Newsletter

Kevin M. Hedley

Hedley & Company

1593 Route 9, Clifton Park, NY 12065

Phone: 518-348-2079

Fax: 518-348-1264

August 2024

Some Things Get Better with Time

Fine wine, balsamic vinegar, cheese, and certain tax breaks have something in common. They can get better with age. Case in point: consider this sample list.

How Lenders See You

Lenders often determine an individual’s creditworthiness by looking at that person’s debt-to-income ratio. If the ratio is considered acceptable, it’s more likely that lenders will make the loan.

Avoid the Third Generation "Curse"

Sadly, too often, wealth accumulated by one generation is lost by the third generation because of mismanagement and imprudent spending. Use core values in your estate strategy to help prevent this in your family.

August 2024 Client Profile

Amy wants to buy a new car for her business but is unsure whether to do it before year-end or wait until 2025.

Tracking Relative Return

A 3% return could be good enough in a bear market, and a 10% return might be mediocre in a bull market. How can you readily know how your investments are performing?

Retirement Savings Versus College Savings

For Millennials with young families, this can be a quandary. Try to save for both, but prioritize retirement savings. There are loans for college but not retirement.

August 2024 Q & A

Let's talk about starting a small business.

Communicating with Gen Z Employees

They’re the employees of the future. Born between 1999 and 2012, they're the first generation to have internet access their whole life. Not surprisingly, they're comfortable using technology to communicate. They want communication options that let them switch effortlessly between different platforms and channels.

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