Greetings!
Spring has sprung and after what felt like a long winter, we are getting out into community and sharing our message with many fun activities on the horizon over the next few months.

Did you catch us on WHYY radio, April 2nd? If you called and pledged your support to the station, you may have talked to one of us from TEAM CURO. It was an educational experience into the operation of this non profit, and we helped to raise over $10,000 for their programing. Take a look at the photos below.

April is Financial Literacy Month , a perfect time to evaluate your financial awareness, whether you are nearing retirement or embarking on your college years. No matter what age you are, there is always something to learn, but it is especially important for the younger generations to understand how saving early can impact the lifestyle you lead later in life.

We would like to extend congratulations to our clients and their children who have been accepted into schools such as Cornell, University of Pittsburgh, Temple and University of Penn. What an exciting time for all of you! Now begins the process of navigating the financial aid terrain, which can be intimidating and confusing. if you aren't sure how to answer the lengthy FAFSA questionnaire, read below for tips on Mastering Financial Aid Eligibility and learn about the Important Legal Documents you need to protect your child as they go off to school.


Marianna
NEWS THAT AFFECTS YOU
MARKET COMMENTARY: Strong March Caps Great Start to the Year
For the third month in a row, all three major U.S. equity markets were positive for the month. The Nasdaq Composite led the way with a return of 2.70 percent, and the S&P 500 grew by 1.94 percent. Meanwhile, the Dow Jones Industrial Average (DJIA) came in with a gain of 0.17 percent, held back by Boeing. The three indices finished the quarter in the same order, with gains of 16.81 percent for the Nasdaq, 13.65 percent for the S&P 500, and 11.81 percent for the DJIA.

Despite this strong performance, market fundamentals worsened during the first quarter. According to FactSet, the estimate for first-quarter earnings growth for the S&P 500 stood at 2.9 percent at the end of 2018. As of quarter’s end, this estimated earnings growth had fallen to a loss of 3.9 percent. This weakening of company fundamentals was widespread. In fact, all 11 sectors showed declines in estimates over the course of the quarter .

Mastering the Financial Aid Eligibility
For many families, financial aid programs help make higher education attainable. The first step in applying for aid is to complete the Free Application for Federal Student Aid (FAFSA). It is used to determine the student’s eligibility for federal aid programs, such as grants, work-study options, and loans. Schools also use the FAFSA to assess whether additional aid is available from an applicant’s state of residence and from the school itself.

The FAFSA’s more than 100 questions ask for a host of personal information, including marital and citizenship status, tax- and income-related information, household size, and the schools the student will apply to. It also asks for details about the income, assets, and education history of the applicant’s parents.

Important Legal Documents
You Need Before Sending Your Child to College
As summer turns to fall, flocks of recent high school graduates leave the nest and head off to college or university for the first time. Their parents are faced with a wide range of emotions as they watch their children prepare to spread their wings as independent young adults.

Until the students demonstrate sufficient maturity and decision-making skills, many parents continue to take an active role in their children’s lives. But once a child reaches the age of 18, he or she has all the legal rights of an adult. This means that the individual is legally on his or her own should a health, financial, or legal matter arise.
 Even if a parent is paying a son’s or daughter’s college tuition or claiming him or her as a dependent on tax returns, in most states a parent lacks the necessary legal authority to act on a child’s behalf (or even to obtain information!) in the event of an emergency. That’s why an increasing number of parents are choosing to have their children sign a health care proxy and a durable power of attorney (durable POA) before they head off to school or soon after. 

Have You Read THE BALANCE BLOG ?
One day someone mentions something important that is missing from your life plan and before you know it, signs are showing up everywhere to remind you of that missing thing you need. Suddenly you’re ridden with anxiety over making that thing happen as soon as possible, and it’s all you can think about...
CURO IN THE COMMUNITY
CURO at WHYY for National Volunteer Month
CURO kicked off National Volunteer Month at WHYY Studios in Philadelphia, taking pledge calls from passionate members, like us and helping the non-profit media company to grow and continue supporting the community, with more than $10,000 raised! Several of our clients, Yvonne, Sima and Judy joined us for the fun evening around the tables talking to callers. Thanks, ladies, we couldn't have done it without you!
CURATED EVENTS Exclusively For You
Calling all fun-loving, active, friendly females! Join us for a fun and exclusive event JUST FOR WOMEN ! Last year’s outing was so much fun, we are hosting our another on June 19th ! Learn the basics of rowing, along with safety on the water, paddling skills, and communication. Then we'll all paddle out with our new skills.
This unique and sought after workshop will inspire each artist to choose natural elements such as leaves, blossoms, berries, petals, vegetables, fruit, and more to create a one of a kind silk scarf or cotton apron Using no chemicals or additives, each artist will then learn how to use the plant material to decorate their fabric item with transfers of actual plant color.   No experience is necessary, but imagination is encouraged. Tentative date is October 22.
Join Us in Helping Local Foster Children!
September 27th , we will be coordinating a "Build-A-Sweet Cases" event and invite you to join us as we create  personalized duffle bags filled with teddy bears, blankets, hygiene kits and more, to show foster children entering the system, that they are not forgotten and their needs matter!

Can't make the event? Please consider sending a donation of new toys, books, night lights, hygiene items and more through our Amazon Wish List or bring into the office on your next visit. Thank you for your help and support of this worthy cause .