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 Personal Money Planning'se-Newsletter for March 12, 2011
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One Last Joke Before We Say Goodbye To Winter
I just got off the phone with a friend living in Minnesota, near the Canadian border.
He said that since early this morning the snow has been nearly waist high and is still falling. The temperature is dropping way below zero and the north wind
is increasing to near gale force.
His wife has done nothing but look through the kitchen window and just stare.
He says that if it gets much worse, he may have to let her in.
From: David Lundgren, Wellington Management
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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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Japan, And Others, In Our Prayers
I woke up a bit early Friday morning (3 a.m. to be exact) and never got back to bed. That's because I saw the news alert of an earthquake in Japan. When I turned on the T.V., I was greeted with the scene of a house, several cars and a moderate-sized ship floating over a seawall and under a highway bridge (the ship and house didn't fit too well).
By now you know much more about the extent of the devastation. Obviously, those affected should be in our thoughts and prayers.
At the same time, let's remember the many people who are still trying to rebuild their lives in Indonesia. Losing most of your friends and family, all the buildings of your village, and even some of your coastline takes more than a few years to get over. And let's not forget the people of Haiti, many of whom are still enduring appalling conditions in tent cities; or the folks in Chile. Then there's the displacement of the refugees and other victims of civil strive from the Middle East, along with other parts of the world.
With all of that, at the end of our prayers, perhaps a thank you is in order as well. We may have had a bad day, but for most of us it was much more a blessing, all things considered.
Gary Silverman, CFP
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| gary's newspaper column | Newspaper Articles You May Have Missed |
From the Wichita Falls Times Record News
Inflation Deflation
No matter what it feels like at the pump or the grocery store, inflation is not out of hand. Inflation anxiety is.
Protecting Yourself Against Knowns and Unknowns You are sure about what is around the corner, right? But what if someone is just as sure you are wrong? |
| gary's other newspaper column | Biz to Biz Article You May Have Missed |
From the Wichita Falls Times Record News Biz to Biz
"You're Fired"
No, not you. Your customer. Surprised? Read this article for times when this may be a good idea.
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Article links
from |
The Economist
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From Across The Aisle It's not what you think. What artists and businesspeople can learn from each other (hint: anyone in business can respect someone who can score a $124 million sale on the day Lehman Brothers collapsed):
http://www.economist.com/node/18175675 Stagnation Or Inequality? This article explores the ideas from economics professor, Tyler Cowen.
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from gary's facebook pages |
Facebook Stuff You May Have Missed:
From Personal Money Planning
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Wanna See Something Scary?
Ghosts? Goblins? Soap Scum? Nope: Debt.
Avoid IRS Headaches About Your New Business Venture It took me more than three years to turn a profit from Personal Money Planning, and I'm not alone. Starting a business is not an instant road to success, so if your start-up takes a bit of time to gain traction, following these tips can save you from an IRS quandary. Links from Gary: Ahoy!
Should You Trust Your Compass? Back in grade school, I learned that the north magnetic pole wasn't at the top of the earth (true north). Later, I learned that it was moving. Now, I find out that it's traveling a lot faster than I thought. Gotta Go, Gotta Go, Gotta Go...Make Decisions? Need to pee? You're probably making better decisions, too, according to this article.
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| parting thoughts
Expect the Unexpected
Thursday night, most of you didn't head to bed expecting reports of disaster on the other side of the world upon awakening. A couple of months ago, most of you didn't expect Middle East dictatorships falling like dominoes. This time last year, most of you didn't expect your tank of gas to cost so much.
That's the problem with expectations, as well as the bit of foreseeing that goes with them. Sometimes...really, all the time...what seemed like a constant ends up revealing itself as a variable.
Make sure you are prepared for a tomorrow that brings with it many surprises.
Or, as the great sage said, "stuff happens."
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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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