No More Excuses!


Saving for retirement can be intimidating, but it doesn’t have to be. Finding reasons not to contribute to your retirement plan will hurt you in the future.




Do any of these excuses sound familiar?

If You Think …

“I don’t make enough money.”

Then Consider…
Tax savings. Your contribution is taken out before taxes, so the amount you pay taxes on is lower.

If You Think …
“I’m too young to worry about it right now; time is on my side.”

Then Consider…
The magic of compounding. When you give your money more time to accumulate, the earnings on your investments—and the annual compounding of those earnings—can make a big difference in your final return.

If You Think …
“I’m too old, it’s too late.”

Then Consider…
It’s never too late. If you’re 50 years old or older, you can contribute a catch-up deferral of up to $6,000 for 2015. You still have time to put your money to work for you.

If You Think …
“Stocks, bonds … it’s too confusing!”

Then Consider…
There is an easier way! Your plan may have the option to invest your money in a “pre-set” asset allocation or lifestyle model that takes into account your expected retirement date or age. It’s a “set it and forget it” approach and works well for the less sophisticated investor.

If You Think …
“I’ll still have my Social Security.”

Then Consider…
Don’t count on it. A dwindling workforce means fewer tax dollars down the road. In just a few years there will be two workers per every one retiree.

If You Think …
“I just don’t know how to get started.”

Then Consider…
Help is available. Understanding how to begin saving for retirement might be overwhelming, but it’s easier than you think.

STOP finding reasons NOT to contribute to you RETIREMENT PLAN. 


Information provided by J. Smith Lanier & Co.





The Buzz: Intentionality

Today we are introducing a new feature on Student Housing Matters called The Buzz. It’s a spotlight for thought leaders to share their thoughts and stories on a single word topic.  For this inaugural post, we asked our five guests to share their thoughts on the topic of intentionality.  Some great thoughts and stories here, so we hope you will enjoy.

One more thing, please email me if you are interested in being our guest for a future entry of The Buzz.  More of this feature to come!

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What Every New College Grad Should Be Doing NOW!

Here is a great article by Alan J. McMillan that was recently featured in MINT that shows very simply and succinctly why a new graduate should begin to prepare NOW for a very rewarding financial retirement outcome!

Goodbye College, Hello Future: Why Retirement Savings Matters in Your 20s


The Class of 2015 will usher more than 1.8 million college graduates into the workforce with newly minted bachelor’s degrees. For most of these graduates, getting a job is priority number one. A first job provides a new kind of independence: the ability to move into one’s own space, pay for expenses and budget. It also opens the opportunity to create financial independence for the rest of your life.

If you’re among those who will be entering “the real world,” thinking 40 years ahead may seem like a tall order – but it’s never too early to start planning. Ask yourself these few critical questions to get you on your way to financial freedom in your golden years:

Continue Reading Article


Diversity in Higher Education and Concept of Reimagining an Urban Campus

dinerJoining us this episode is Dr. Steven Diner, professor of history and former chancellor of Rutgers University – Newark.  Dr. Diner spent some time with us talking to us about his background in the higher education world, the subject of diversity in higher ed, and the concept of “reimagining an urban college campus.”

Dr. Diner became chancellor of Rutgers-Newark in July 2002, and served in that capacity for more than 9 years, retiring in December 2011 to return to teaching at Rutgers. Dr. Diner holds a Bachelor’s degree and Master’s degree in History from Binghamton University and a PhD in History from the University of Chicago.  He is also a former President of CUMU, the Coalition of Urban and Metropolitan Universities.

How Do You Serve?

FullSizeRenderWhen you think of how you serve students on campus, are you being intentional?  Are you trying to find ways to not only serve campus but the local community?

Capstone On Campus Management had the privilege to partner with Holy Family Cristo Rey High School from 2013-2015.  Part of the Holy Family mission is to empower students to develop their minds and become lifelong contributors to society. This is a value system Capstone holds not only for our professional staff but we hope we are assisting students on our campuses to live this value too.

Joshua Hightower served as corporate intern once a week during his junior and senior year.  Below are comments related to his experience at Capstone.  Joshua graduated a few days ago and hopes to attend Birmingham Southern College in the fall.

“Time has passed, the day has come, and it’s hard to believe that my work here is done. My Capstone experience

has been phenomenal. From the headaches to mistakes and the challenges I’ve faced, I can truly say it’s pushed me to strive for excellence in everything I do.

Coming in was not what I expected, my thoughts were “this is going to be a simple secretarial job.” After the first two weeks those thoughts disappeared completely and I was exposed to so much more than filing papers and answering phones. My supervisors invested many days sitting down and teaching me proper business etiquette, computer skills, work life balance, critical thinking and so much more! I consider this as a once in a life time opportunity having a group of encouraging individuals that cared beyond teaching me skills for work but skills I will need later on in my career path.”

Capstone was honored to witness Joshua’s growth and we look forward to seeing his success in college and career.

Joshua Hightower grew up in the greater Birmingham area.  He enjoys texting, automobiles and plays four musical instruments.

Tara Wilkinson serves as Vice President of Administration and has been with Capstone since 2004.  She has partici

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pated in JustFaith and served as facilitator in the Jobs for Life program.

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