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 Personal Money Planning'se-Newsletter for January 15, 2011
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According to CareerBuilder.com, nearly 1/3 of workers called in sick at least once last year, even though they were well. In the survey,many said they lied because they just didn't feel like going to work or needed to catch up on some sleep. Some of the more interesting excuses:
- "I had a hair transplant that took a bad turn."
- "I fell asleep at my desk working from home and hit my head. Now my neck is injured."
- "I caught my foot in the garbage disposal."
- "I'm just not feeling too clever today."
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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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 Hunger
It's Friday night. Tina, our marketing specialist, has put this newsletter to bed. It is all ready to go out to you. And now I'm changing it.
It's been a while since I've used the system that formats this newsletter, so please forgive any imperfections. There is also no time for someone to check my grammar or spelling...both of which are quite wanting.
But I think it is worth it. For I just came from a beautiful exhibit. The beauty is from the humanity that is exhibited, but the subject matter, hunger, is not pretty at all. The Wichita Falls Museum of Art is currently showing Hunger and Resilience by Michael Nye. Michael traveled all around our nation, meeting and listening to people who have experienced hunger.
At the exhibit, you will find hanging on the walls 50 portraits...portraits of the folks Michael listened to. You will listen to them too as you place the headphones on and press the button. I listened to Alejandro who told me of the time in his youth when his sister, probably 11 years old, got he and his siblings through a difficult day by having them gather pecans to eat for lunch as that was the only food that was available to eat.
I listened to Joesette, a 14-year-old girl from the projects, who would often sleep on the floor for fear of a bullet coming through the window. She felt the pangs of hunger many times already in her life. Hunger is a wound in their lives; one that at best leaves a scar and at worst never truly heals. Many of them were given a strength though their adversity. But it certainly isn't the teacher we would wish on anyone we loved.
Hunger and Resilience runs through February 25. If you are in the area, I suggest you stop by. Take as little as fifteen minutes if you are in a rush. Each vignette is about five minutes long.
Look into their eyes, put on the headset, and listen.
Gary Silverman, CFP
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| gary's Sunday newspaper column | Sunday Newspaper Articles You May Have Missed |
From the Wichita Falls Times Record News
Who Wants to be a Millionaire?
It's possible, but is it enough? A million doesn't go as far as it used to.
Safe Places For Your Money Where are the places where your money doesn't lose value and how do you find them? This article takes a look at that question. |
| Fun with Finance | Stock Market Basics |
Found on YouTube
How the New York Stock Exchange Works
Here's a cartoon from 1952 that acts as a tutorial for understanding the relationship between corporations, stock holders and the market. Enjoy!
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| IRS.gov |
Tax Changes For Small Business |
New Tax Laws To Consider in 2011 |
from gary's facebook pages |
Facebook Stuff You May Have Missed: from Personal Money Planning and Gary Silverman |
Well Behaved Women Rarely Make History
A capitalist, communist, and free-lover, Victoria Woodhull wasn't your typical woman from the late 1800s. Not only was she the first woman to run for president, she co-founded the first female run brokerage firm after Cornelius Vanderbilt (the rich guy) used the investing tips she received from the spirit world while in a trance.
Music Calms The Savage Beast
Monogamy Makes You Drink
Okay, that may not be the exact conclusion of this study by the American Association of Wine Economists, but it does raise a few questions. First, Who knew there was an American Association of Wine Economists? And second, why does cutting back on the number of wives you have increase your need to drink?
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| parting thoughts
Milestones
Back in November, I celebrated my 53rd birthday. 53 years-old is not a particularly significant milestone. But in that same month, there was also the 50th anniversary of the first SSBN deterrent patrol.
The cold war involved many scary things. One of the scariest (that, by the way, is still with us) is the possibility of nuclear war. And by golly, if Russia was going to destroy us, we were going to make darn sure that we could destroy them. Thus MAD (mutually assured destruction) was born. As insane as it was, it actually worked--at least so far.
Part of the MAD doctrine was to make sure that even if Russia got off the first shot, we'd still have plenty leftover to blast them out of existence. Thus the SSBN was born. The SSBN is a ship that is a submarine (the "SS") that carry ballistic missiles (the "B") and is nuclear powered ("N") so that it doesn't have to come up for air.
On November 15, 1960, the USS George Washington began the Navy's first SSBN deterrent patrol.
Personally, I served on the SSBN 655, the Henry L. Stimson, and went out on three deterrent patrols on her. Patrols like that tend to be relatively boring, except that we were surrounded by equipment that was pretty deadly (electrified, pressurized, poisonous, scalding, or explosive); and that doesn't count the torpedoes and nuclear tipped ballistic missiles that were carried on-board. And did I mention we were underwater the whole time? Water that always seemed to want to get inside with us?
Ahhh, good times.
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Gary
Gary Silverman, CFP
Personal Money Planning
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