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 Personal Money Planning'se-Newsletter for September 18, 2010 (to look at past issues, click here) |
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The Little Space on the Left |
We often use this spot for some humor, a few quirky facts, or a quote or two.
But we got to wondering, does anybody read this? Would anybody care if it went away?
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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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As I write this, I'm holed up in a hotel room in a distant city. Those who see me wandering the cavernous halls probably think I am on vacation. And as I walk past those solitary men and women I wonder just how many of them are working, on vacation, or doing both.
You see, we Americans are known for being lousy vacationers. Some of this has to do with time. The French get 38 days a year, on average, for vacation. Italians get 31. Ah, but they always seem so laid-back. Perhaps, but Germany and Britain, neither known as party animals (except in October) take 27 and 26 days respectively. Even work-a-holic Japan gets 15. We in the United States average 13.
Even if some of my fellow hotel patrons are enjoying some time liberated from the workplace, they are not easily separated from work. Cell phones and laptops make sure of that.
What am I doing here? This is where I hide to write my seminars and articles. I do see some sights and eat at some nice restaurants, but this definitely ain't no vacation.
And sadly, I love it.
Gary
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| Save The Date | Financial Planning Week Celebration
Tuesday, October 5 | |
If you are in the Wichita Falls area, come celebrate Financial Planning Week with us! On October 5, Gary Silverman will be available to answer your financial or investment questions, for free. This is part of an initiative developed by the Financial Planning Association, the Certified Financial Planner Board of Standards, and the U.S. Conference of Mayors to provide free financial education and programming to all members of a community.
No need to RSVP, just stop by the Chase Tower conference room any time between 9:30 a.m. and 5:30 p.m. The address: 4245 Kemp Blvd. The conference room is in suite 514.
This is a free event and open to the public, so feel free to share with your friends!
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| Quick Note |
Attention Personal Money Planning Clients |
Keeping Your Files Current
Personal Money Planning has established an annual reminder for our clients to verify and update their beneficiary information for their IRA and Roth accounts. If you have your paperwork, take a moment to check that all information is still current. Otherwise, to verify who is listed as beneficiary for your account, call us at the office and we can check for you.
It may be necessary to make changes to your beneficiary because of life-changing events (marriage, divorce, new child, for example). If this is the case for you, contact us and we will send you the beneficiary change form.
Tax Information
If you have not done so already, please send or drop by a copy of your current tax information to our office. Before we know it, tax season will again be upon us, and we like to be prepared for any questions you may have.
The office number is 940-692-6885. If you have any questions about supplying us with beneficiary or tax information, or anything else, give us a call.
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| gary's Sunday newspaper column | Sunday Newspaper Articles You May Have Missed |
From the Wichita Falls Times Record News
Part 13: America needs to prioritize its resources, no matter how painful it may be.
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| articles links from | The Economist |
Internet's Virtual Boundaries
How will the walls going up by governments and individual websites impact the free-wheeling information sharing that the Internet is known for?
What's next for the Internet?
This article looks at the future of the Internet and suggests it would be bad news if it became a collection of proprietary islands accessed by devices controlled remotely. If the Internet loses too much of its universality, it could fall apart the way global trade sometimes collapses if there is too much protectionism.
http://www.economist.com/node/16941635 |
| Social Security Online | Information from the Social Security Administration |
Free Webinar September 21: Tips for People Who Receive Social Security
Social Security online offers live webinars to answer common questions about Social Security, and to assist in using its website. On Tuesday, they will focus on the services available online to those who are already receiving Social Security, such as replacing your Medicare card. You can RSVP to the webinar, or ask to have the link e-mailed to you so you can watch it after its original broadcast.
Filing for Social Security Disability
If you are in the Wichita Falls area, there will be a session at the Wichita Falls Public Library teaching the process of using the website to apply for Social Security disability benefits. It is on September 21, from 10:00 a.m. to 11:30 a.m. upstairs in room 203.
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| from gary's facebook pages |
Facebook Stuff You May Have Missed: from Personal Money Planning
and Gary Silverman |
For information about Personal Money Planning, continued sharing of links about money, small business, finance, and the economy, be sure to link to the Personal Money Planning Page by Clicking Here: 
You may have already "friended" Gary on his personal Facebook page, if not, Friend Away by Clicking Here: 
Here are a few links from recent posts:
"I have a great business idea!" Now, about funding it...
What are the rules about taking out loans from your 401(k)? And, by the way, is there anything else that should be considered when funding a start-up? From Gary's guest blog at DallasNews.com.
Where's the jail time? Another Ponzi scheme unveiled, and another example of "if it looks too good to be true, it probably is." But I wonder about the punishment. Isn't a Ponzi scheme robbery?
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parting thoughts
What the Class of 2014 Doesn't Know
Most students entering high school this month were born in the same year that saw The Silence of the Lambs win Best Picture at the Oscars, the acquittal of four LAPD police officers accused of excessive force against Rodney King (followed by the Los Angeles riots), and Jay Leno's first year as host of the Tonight Show.
If you know a teen who doesn't understand what you are asking for when you point at your wrist, this list may be of interest to you. Every year, Beloit College releases the Beloit College Mindset List, a snapshot of the world our leaders of tomorrow live in. You may be surprised how different it is from yours.
Enjoy! | |
http://www.beloit.edu/mindset/2014.php
That's all, for now.
Gary
Gary Silverman, CFP
Personal Money Planning
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©2010 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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