|
|
 Personal Money Planning'se-Newsletter for December 26, 2009 (to look at past issues, click here) |
|
Click Through To Our Web Site
|
|
Send This Newsletter To A Friend 
|
|
Get Your Own Subscription 
|
|
Witty One-Liners
(part 2)
From one of those e-mails that bounce around a while. |
|
|
11. You never know when it will strike, but there comes a moment at work when you know that you just aren't going to do anything productive for the rest of the day.
12. Can we all just agree to ignore whatever comes after Blue Ray? I don't want to have to restart my collection...again.
13. I'm always slightly terrified when I exit out of Word and it asks me if I want to save any changes to my ten-page research paper that I swear I did not make any changes to.
14. "Do not machine wash or tumble dry" means I will never wash this -- ever.
15. I hate when I just miss a call by the last ring (Hello? Hello? Damn it!), but when I immediately call back, it rings nine times and goes to voicemail. What'd you do after I didn't answer? Drop the phone and run away?
16. I hate leaving my house confident and looking good and then not seeing anyone of importance the entire day. What a waste.
17. I keep some people's phone numbers in my phone just so I know not to answer when they call.
18. My 4-year old son asked me in the car the other day "Mom, what would happen if you ran over a ninja?" How the hell do I respond to that?
19. I think the freezer deserves a light as well.
20. I disagree with Kay Jewelers. I would bet on any given Friday or Saturday night more kisses begin with Miller Lites than Kay.
|
|
Disclosure |
|
|
|
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.
| |
|
A Slight Format Adjustment
I've changed up the newsletter format a little. I'm now combining all of the Sunday newspaper articles in one section, the Facebook reruns in another, etc.
I hope this makes finding what you are looking for, or what you may have missed, a bit easier.
Got any ideas for improvement?
Gary
Gary Silverman, CFP |
| course announcement |
Dave Ramsey's
Financial Peace University |
Last Chance -- Starts January 13 -- Hurry if you want to attend!
Dave Ramsey is a competitor of mine. He's big. I'm not sure how big, but REAL big. So why am I recommending his course, Financial Peace University? Because it contains valuable information that most everyone needs to know and it is done well.
Financial Peace University is a biblically-based, video-driven small group study that teaches families to beat debt, build wealth, and give like never before.
This program is for you if...
- Your credit cards ARE your emergency fund,
- Your dog responds to the name "Ebay",
- You're intrigued by the word "plasectomy",
- You want to know what God says about money,
- You have to sell your house to put your kids through college, or
- Stocks, bonds, and mutual funds are friends you haven't met yet.
This is a great course for anyone whose financial life isn't put together too well and especially for those who are having a hard time getting out of debt. It is ideal for college-aged kids and young couples to help get them started on the road to financial stability. For those who have already traveled down a few roads, this program guides you to a more financially secure path.
Classes will be at Grace Church from 6:30 t0 8:00 p.m. every Wednesday starting January 13 unti April 14 (no class on March 17 for Spring Break.) The cost is $90, and your spouse can attend free. For this you get all the classes, book, workbook, forms, CDs and more.
Can't afford it? If you go to Grace they'll help you out if you are truly in need. Don't attend there? If you can look me in the eye and tell me that money will keep you from going, I'll pay your way.
Want to know more? Call me (940/692-6885) and ask. Or go to Dave's website at http://www.daveramsey.com/church Those of you who don't live in the Wichita Falls area can find a class close to you at that website as well. |
| gary's newspaper column |
Sunday Newspaper Articles You May Have Missed |
From the last few issues of the Wichita Falls Times Record News
IRAs and Roth Conversions
Anyone wanting to learn more about Traditional and Roth IRAs and anyone thinking about doing a Roth Conversion should read this series of articles.
|
| gary's other newspaper column |
Biz-to-Biz Newspaper Feature You May Have Missed |
From the last Biz-to-Biz section of the Wichita Falls Times Record News
Children and the Office
The other day as I read Business Week, I saw a little story about The Office Kid. This is a kit you can buy on the Internet that comes with a picture of your kid and some artwork. You can also buy add-ons such as a picture of you with your kid's sports team. What's so special about that, you ask? This is really a bit tongue-in-cheek as the kit is marketed to people who don't have kids, but want to have the same excuses to use at work that a parent does.
|
| article links from |
The Economist |
the November 12 and November 19 issues
The November 12 & 19 issues of The Economist had a lot of great articles in them...at least if you like learning a bit about global economics.Hints of a New Chapterhttp://www.economist.com/displaystory.cfm?story_id=14843563 This article looks at Nigeria. The Economist staff believes that the country is at a tipping point. It could teeter toward a more transparent governing regime or descend into chaos. Why should you care? The U.S. gets over 8% of its imported oil from Nigeria. It is the most populous state on the continent. It has Africa's second-largest economy, behind South Africa. Getting It Together At Lasthttp://www.economist.com/specialreports/displaystory.cfm?story_id=14829485 Now we turn to Brazil. Important? With a population of 192 million, more fresh water and fertile land than any country in the world, and which, if present growth rates continue, could be one of the world's five biggest economies by the middle of this century, along with China, the U.S., India and Japan. There are a lot of "ifs" to that, which the article covers to some depth. Stemming the Tidehttp://www.economist.com/displaystory.cfm?story_id=14903024 Being a foreign publication, The Economist can take a more balanced and less partisan view of America's budget crisis than most of us can. This article looks at the past, present, and future of the crisis . They suggest that we stop taxing work and savings so much and crank up taxes on consumption. This is the old argument of lowering income taxes and starting up a national sales, or value-added tax. While unpopular to many, it makes a bit of sense to reward working and saving rather than encouraging spending and debt. |
| from gary's facebook page |
Stuff you may have missed on Facebook |
 Gary has a Facebook page where he regularly sends out links and notes during the week. This section repeats those that are still pertinent to our readers. Even if you are one of his Facebook "friends" you could have missed one or more of these, so you may want to peruse through them, just to make sure.
Writers (or wannabees) Take Note!
Admit it, you've been wanting to start (or finish) that book of yours for years. You're tired of your own excuses. Here's a nice source of inspiration and a lot of tips. Read the blog or sign up for your own copy of Tina's newsletter. http://www.excuseeditor.com/ Debt: A Really Neat and Really Depressing Web PageAnyone who has visited New York has probably seen The National Debt Clock, a digital readout of how much the federal government owes its creditors. The speed at which that number grows is daunting. A more comprehensive monitor can be found online at USDebtClock.org. Not only do you get the total national debt of $12 trillion (and rising), you also get a raft of other key economic trend data for the country and its citizens based on information gathered from reputable sources that include the Census Bureau, Treasury Department, Federal Reserve and the Congressional Budget Office http://www.usdebtclock.org/ Deductions for Your Home OfficeRolling Stone magazine is at it again. They seem to be doing some of the best investigative reporting on the financial meltdown. In this article we have indications of insider trading, lots of naked short-selling (the article tells you what that is) and other illegal or questionable deals made on Wall Street--with the SEC seemingly unwilling to investigate. Collusion? Favoritism? Good-old-boys? You decide. http://www.rollingstone.com/politics/story/30481512/wall_streets_naked_swindle/1 |
| more curling drivel |
Curling |
Football Pro tries curling
Thought you'd make it through a newsletter without me throwing in a curling link? Think again. This time San Francisco 49er Vernon Davis tries his hand at this ancient sport. Yes, I'm just as bad as he is.
|
|
|
parting thoughts
|
PromisesHow many times have parents, bosses, or politicians truthfully promised us something that, through no fault of their own, they could not deliver? Circumstances can be out of our control, so we should both watch what we promise and take care in counting on the guarantees of others. On the other hand, God controls both the promise and the circumstance: "...and being completely assured that what He had promised, He was able also to perform." Romans 4:21 ProvisionsMy career is geared around people saving enough for future needs. Yet I would be a fool to say that they will never have a circumstance that they lack the resources to handle. After all, I cannot predict an ill-planned premature use of funds or the hands of fate. On the other hand, God ensures that every need of His children will be provided: "And God is able to make all grace abound toward you; that always having all sufficiency in everything, you may abound to every good work." II Corinthians 9:8 PeaceIn times of plenty and tranquility, it is easy for us to feel peace. Yet when the markets plummet, our health is in crisis, or our family is in peril, that peace can easily be broken. On the other hand, God gives His flock total and absolute peace: "Peace I leave with you, My peace I give unto you: not as the world gives, give I unto you. Let not your heart be troubled, neither let it be afraid." John 14:27 EternityWhether you are looking for forgiveness, salvation, eternal life, everlasting peace, or a road to heaven, you will not find it in or of yourself. On the other hand, God has already prepared the way for you: "Neither is there salvation in any other: for there is no other name under heaven given among men, whereby we must be saved." Acts 4:12 Yesterday was Christmas. You have heard the story. Now read it for yourself. You might begin with Acts 4:5-12. You might go to the visit of the wise men. You might read of the crucifixion and resurrection. You might read and you might reject. But please, do not ignore the message of Christ.
That's all for now.
Gary
Gary Silverman, CFP
Personal Money Planning
| |
|
|
|
|
©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. |
|
|
|
|
|
