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 Personal Money Planning'se-Newsletter for July 4, 2009 (to look at past issues, click here) |
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Mini-Rally |
Did you miss it?
After the 2000-02 bear market bottomed on October 9, 2002, the S&P gained over 18% over the next eight weeks.
After hitting our recent bear market low on March 9 of this year, the S&P 500 gained over 34% over the next eight weeks. |
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Before you get too excited, after the 2002 rally, the market retested its lows in early 2003 before resuming its five year climb.
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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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I remember back to July 4th of 1976. This was the big one as we were celebrating the 200th anniversary of this country.
At the time, I was in Navy boot-camp down in San Diego, California. In true military style, we celebrated...by doing 76 push-ups.
Gotta love the Chief's sense of humor.
Oh, and don't forget, we've got a few wars still going on. While they end up in the back pages of the news these day, the list of dead and wounded continues to grow. Pray for those who are still in harm's way.
Gary
Gary Silverman, CFP |
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Senior Income Not Keeping Up |
January 2009 saw the largest cost-of-living adjustment (COLA) to Social Security retirement benefits since the hyper-inflation period of the early '80s. And while the 5.8 percent increase was welcomed by seniors, according to The Senior Citizens League, it still left retirees $216 behind each month compared to the year 2000. Find out why by reading the entire article here: http://www.personalmoneyplanning.com/ourviews.aspx?LinkId=87612&spid=18858
(This article was originally printed in the Life & Estate Planning Guide of the Wichita Falls Times Record News.)
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Poop |
There's nothing like toilet humor to get the attention of a class of Junior High students. But since y'all are old, I thought I'd share a more educational article I found: The Scoop On Poop.
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parting thoughts
All You Need Is Money
a message to Christians |
People are waiting for things to get back to normal again. We're tired of worrying about our jobs, our mortgage, and the price of a fill-up. If someone would just fix the economy we can get our life back on track.
But what track was your life on? Last I saw, Jesus did not come down to earth so that we could live a middle-class lifestyle. His crucifixion wasn't orchestrated so that you could have a comfortable retirement (at least not on earth).
The track I'm on began when I accepted Christ as savior and leads to the Promised Land. I'll admit that I do jump off the train now and then to run alongside thinking there is some logic in it. I stumble, fall, and with a bit more smarts get up and jump back on the train.
So, instead of relying on money to sustain you, realize that God is in control of all things. This includes your job, your mortgage, and the price of gasoline. He can provide for His people in ways we can't even imagine, and He will, if we let Him.
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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