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 Personal Money Planning'se-Newsletter for April 18, 2009 (to look at past issues, click here) |
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:)
the smiley face |
You've seen it. That round yellow ball with two eyes and a big grin. But do you know where it came from?
In 1963, Harvey Richard Ball designed the smiley face to help ease tensions after the merger of two insurance companies.
As he said in a 1996 interview: "Never in the history of mankind or art has any single piece of art gotten such widespread favor, pleasure, enjoyment, and nothing has ever been so simply done and so easily understood in art."
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Disclosure |
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This newsletter is produced by Gary Silverman, dba Personal Money Planning, a registered investment advisor located in Wichita Falls, Texas.
Information in this newsletter is believed to provide accurate and authoritative information in regards to the subject matter covered. However, the accuracy, timeliness, or applicability of the information is not guaranteed and is provided with the understanding that we are not rendering legal, accounting, tax, or other professional advice or services.
This publication should not be construed by any consumer and/or prospective client as Personal Money Planning's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Nor should links provided to other sites be construed as the recommendation of the services or products mentioned on those sites. If such services are required, the help of a competent professional should be sought.
Remember that past performance may not be indicative of future results. Therefore, you should not assume that the future performance of any specific investment, investment strategy, or product made reference to (directly or indirectly) on this Website will be profitable or equal to indicated performance levels. Different types of investment involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for your investment portfolio.
Historical performance results for investment indexes and categories generally do not reflect the deduction of transaction or custodial charges or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results.
A copy of Personal Money Planning's current written disclosure statement discussing Personal Money Planning's business operations, services, and fees (known as an ADV Part II) is available from Personal Money Planning upon written request (and can be downloaded from our web site).
Personal Money Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Personal Money Planning's web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
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Tax Time
For those of you who filed your taxes (and I know many of my readers used an extension) you may think that tax-time is over.
Tax time is never over, especially if you are a small business. The IRS has a publication that explains how to start and keep good records for your small business. Look at it by clicking through here.
In another tax-related subject, you may be getting a refund. Check out the article below on what to do with it.
Gary
Gary Silverman, CFP |
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Tax Refunds |
We're taking a break from my series on personal financial planning because it's tax time. If you've filed your taxes already, it is highly likely you're getting a refund. That's great! It's even better if you're getting a big refund.
(This article was previously published in the Wichita Falls Times Record News.)
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Contingency Fund |
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In the article above I discussed what to do with your tax refund (if you get one). One of the possibilities was to build up a contingency fund. In this article we'll look at what this is, and how much you should put into it.
Your contingency fund (sometimes known as an emergency fund) is one of the foundational pieces of good personal finance. Let's face it, stuff happens. No matter how much cash flow planning and budgeting you do, life occasionally throws you a curve. So, how much should you put away for life's little emergencies? Find out by clicking here. (This article was previously published in the Wichita Falls Times Record News.)
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parting thoughts
Disasters and Finances |
Here in Wichita Falls we have been remembering one of the deadliest tornadoes in US history which struck 30 years ago. At the same time, dozens of homes, businesses, and other property, along with several lives, were lost in a series of wild fires.
No matter where you live, disasters happen. It might be a dam busting, a hurricane crashing on shore, an earthquake shaking foundations, or an ice storm that brings down power lines and collapses roofs. Simply put, stuff happens and some of that stuff is really bad.
Several years ago, the National Endowment for Financial Education, American Institute of Certified Public Accountants, and the American Red Cross got together and created: Disaster Recovery: A guide to financial issues. This is one of those publications that you should download to your laptop, or print out and put with your emergency items...just in case.
I hope you never have to read it.
That's all for this week.
Gary
Gary Silverman, CFP
Personal Money Planning
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©2008 Personal Money Planning. All rights are reserved by Personal Money Planning and content may not be reproduced, disseminated, or transferred in any form or by any means, except with the prior written permission of Personal Money Planning unless specifically noted. (Permission is not difficult to obtain.) The one exception is for downloading and printing information this newsletter for general education by the original recipient. |
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