On Your Way Out

Howard Rohleder

A former chief executive of a community hospital, Howard retired early after more than 30 years in hospital administration. In retirement, he’s enjoyed serving on several nonprofit boards, exploring walking paths with his wife Susan, and visiting their six grandchildren. A little-known fact: In May 1994, he was featured—along with five others—on the cover of Kiplinger’s Personal Finance for an article titled “Secrets of My Investment Success.”

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On Your Way Out

Howard Rohleder  |  Sep 23, 2021

IMAGINE YOU PLAN to retire next year. What can you do beforehand to gain the most later on? Here are some ideas to consider before you log off at work for the last time.
If you’re retiring mid-year, increase your 401(k) or 403(b) contributions. Raise your savings enough to make a full year’s allowable contribution in the months you have left. This may be your last chance to put away tax-deferred money. I retired mid-year,

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Falling Short

Howard Rohleder  |  Sep 6, 2021

I SERVED ON a scholarship committee for a local foundation. We offered awards to college students entering their sophomore year. Our coordinator had the unhappy job of explaining to some students and parents that, even though their students had a full freshman schedule and passed all their classes, they didn’t actually have sophomore standing. How can this be? The answer is remediation.
Almost 24% of entering college freshmen at Ohio universities required remediation in English or math and 6% needed both.

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On the House

Howard Rohleder  |  Aug 31, 2021

WANT A CONSERVATIVE strategy that can help you prepare for college costs? Consider prepaying your mortgage.
In 1992, when my oldest was 10 years old, we moved to a new home. We opted for a 15-year mortgage at 7.625% with 33% down. With our son’s graduation set for 2000, we began to prepay the mortgage so the last payment would coincide with the month before he began his freshman year. Thereafter, the payments previously sent to the mortgage company were instead directed to the college.

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College or Plan B?

Howard Rohleder  |  Aug 30, 2021

WE’RE PROGRAMMED to believe that a four-year college degree is the only path to success. After spending several years on both a small-town school board and an economic development board, I saw the disservice that this belief is doing to many of our students.
Students and their parents are led to believe that everyone is taking a college prep curriculum in high school. There are indeed students who are actually preparing for college.

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After the Birth

Howard Rohleder  |  Aug 12, 2021

CONGRATULATIONS, your family has grown with the arrival of a first child or grandchild. As the celebration subsides, reality sets in: You want to do everything you can to pave the way for a secure future.
For new parents, the first step is to obtain two basic documents that’ll last a lifetime: a birth certificate and Social Security card. The hospital will start the process, but you need to be diligent. Is the name spelled correctly?

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Helping Mom and Dad

Howard Rohleder  |  Jun 14, 2021

LIKE MANY BABY boomers, my wife and I have watched our parents go from total independence to assisted living to death. We’ve been thankful that, at key moments, they made the difficult decisions themselves, without our prompting. These decisions included when to give up the family home in favor of moving to a continuing care retirement community, when to give up their car and driver’s license, and when to move to assisted living.
Our parents were organized and realistic people who trusted us to act for them in increasingly significant ways as they moved from one stage to the next.

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