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Personal Money Planning's
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There has been only one Christmas - the rest are anniversaries. ~W.J. Cameron Oh, for the good old days when people would stop Christmas shopping when they ran out of money. ~Author Unknown
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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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A Thought for Christmas
This is our last newsletter before Christmas. Because thousands of our countrymen and women are scattered throughout the world in harm's way, I wanted to share a particular poem with you. It's by Michael Marks, whose work you've read in previous years. The Sands Of Christmas, in its entirety, can be found at the bottom of this newsletter.
I ask that you think upon it whenever you are caught in the hustle and bustle that accompanies the holidays.
Merry Christmas.
--Gary
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gary's Sunday newspaper column | Sunday Newspaper Articles You May Have Missed |
From the Wichita Falls Times Record News
Sit. Stay. Rollover your IRA.
Don't chase your tail when it comes to IRA rollover rules. Gary breaks them down here.
Be Realistic When Pursuing your Dreams You have a GREAT business idea! Should you fund it with your retirement savings? |
gary's other newspaper column | Biz to Biz Article You May Have Missed |
From the Wichita Falls Biz to Biz
"Gary Always Wins"
Gary hears that a lot when he's picking up door prizes, but how does his technique transfer to his business plan?
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Article links from |
The Economist |
NATO's New Strategic Concept The NATO alliance is 61 years old--and about to change. Officially, the 28 members are hammering out a new strategic concept, figuring out what threats the member nations will face in the next several decades. This list is interesting: a protracted war in Afghanistan, the response to Iran's nuclear ambitions, the need to reset relations with NATO's old enemy Russia, strategic competition with China, global terrorism, rogue states with weapons of mass destruction, disruption of global supply lines, or cyber attacks on the Internet or power grids.
Who is Xi Jinping? He's the heir apparent to Hu Jintao in China, set to take over as party chief in 2012 and the presidency the following year. Currently, he has been appointed vice chairman of China's Central Military Commission, after having served as the senior provincial chief in coastal provinces Fujian, Zhejiang and Shanghai. His wife is a popular singer who is apparently far better known to the Chinese populace than is their future leader. This article tells us that Mr. Xi is also a newcomer to the Chinese Communist party's inner circle. He will take the reins at a time when Chinese leaders disagree over whether the country should prioritize political reform or adjust the economy to give wage-earners a bigger share of the economy. The country has experienced a tenfold rise in protests and disturbances since 1993. |
from gary's facebook pages |
Facebook Stuff You May Have Missed: from Personal Money Planning and Gary Silverman |
This Economy has Economists Very Confused
Some Perspective If you're feeling a little bit gloomy about the direction the world is taking, you might check out this video created by economist Hans Rosling, which shows 200 years of social and economic history (health and wealth across nations) in about four minutes. Basically, what you see is that, despite the ups and downs, our overall progress, seen from the big picture perspective, has been remarkable, and we still seem to be on that upward path. http://www.tvkim.com/watch/614/kims-picks-a-digital-view-of-the-world
Be diligent to avoid investment scams
Merrie Olde England
Being a serf, while certainly not glamorous, may not have been as bad as people think. At least not compared to today's poorest people.
Solar Energy--Not Where You'd Expect
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| parting thoughts
The Sands of Christmas
I had no Christmas spirit when I breathed a weary sigh, and looked across the table where the bills were piled too high. The laundry wasn't finished and the car I had to fix, My stocks were down another point, the Dolphins lost by six.
And so with only minutes till my son got home from school I gave up on the drudgery and grabbed a wooden stool. The burdens that I carried were about all I could take, and so I flipped the TV on to catch a little break.
I came upon a desert scene in shades of tan and rust, No snowflakes hung upon the wind, just clouds of swirling dust. And where the reindeer should have stood before a laden sleigh, eight hummers ran a column right behind an M1A.
A group of boys walked past the tank, not one was past his teens, Their eyes were hard as polished flint, their faces drawn and lean. They walked the street in armor with their rifles shouldered tight, their dearest wish for Christmas, just to have a silent night.
Other soldiers gathered, hunkered down against the wind, To share a scrap of mail and dreams of going home again. There wasn't much at all to put their lonely hearts at ease, They had no Christmas turkey, just a pack of MREs.
They didn't have a garland or a stocking I could see, They didn't need an ornament-- they lacked a Christmas Tree. They didn't have a present even though it was tradition, the only boxes I could see were labeled "ammunition."
I felt a little tug and found my son now by my side, He asked me what it was I feared, and why it was I cried.
I swept him up into my arms and held him oh so near and kissed him on the forehead as I whispered in his ear. There's nothing wrong my little son, for safe we sleep tonight, our heroes stand on foreign land to give us all the right, to worry on the things in life that mean nothing at all, instead of wondering if we will be the next to fall. He looked at me as children do and said its always right, to thank the ones who help us and perhaps that we should write. And so we pushed aside the bills and sat to draft a note, to thank the many far from home, and this is what we wrote, God bless you all and keep you safe, and speed your way back home. Remember that we love you so, and that you're not alone. The gift you give you share with all, a present every day, You give the gift of liberty and that we can't repay. Michael Marks mmarks@leaa.org Copyright © 2003 by Michael Marks All rights reserved Used by permission Michael Marks' works have been featured in the Washington Times, hang in the Titan Missile Museum, and are featured on the International War Veteran's Poetry Archive at
http://www.iwvpa.net/marksm. Learn more about him at http://iwvpa.net/marksm/index.php. He can be contacted at poetmike@mac.com. |
Gary
Gary Silverman, CFP Personal Money Planning
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