|
|
Money 101:
Personal Money Planning's Newsletter
|
|
| Find Us On Facebook! |  | |
Join our Facebook page for interesting and helpful information about finance, business, and more.
|
|
|
Money 101 FEBRUARY 4, 2012 |
Howdy!
This time, we are touching on a few topics that could concern you, like whether or not cell phone companies are about to release your phone number to telemarketers, and how you should go about choosing someone to help you out with your taxes (hint: don't wait until the last minute).
Have a great weekend! Gary Silverman, CFP® |
|
|
Gary's Soapbox
Telemarketers and Cell Phones
Recently, you may have been forwarded an e-mail warning you that on January 31, 2012, telemarketers would be given access to your cell phone number and if you didn't act promptly, you would be plagued with dozens of calls, as the floodgates opened. Of course, if your cell plan makes you pay for incoming calls, this could add up.
You may not have received this warning recently. You may have received it in 2010. Or 2008. Or 2007. Or all the way back to 2004, the earliest date that my research department (you know, my marketing assistant, Tina), could find record of it. Like many forwarded messages that wind up in your inbox, this isn't something you need to worry that much over. Years ago, some of the cell phone providers considered creating a cell phone directory, but it wasn't even going to be released to the public (cell numbers would have been part of the providers' 411 services) , much less to telemarketers. Either way, the directory never happened, but that didn't stop the e-mail rumor mill.
The Federal Trade Commission (FTC) doesn't allow telemarketers to add mobile numbers to auto-dialers, which is the way they make their unsolicited calls. The National Do Not Call Registry was established to give consumers a choice when it comes to many of these calls. If you are worried about getting calls from telemarketers on ANY of your phones, including your cell phones, add your numbers to the this Do Not Call List. You can register online or by dialing 1-888-382-1222 from the phone you want to register. Remember, signing up for this list does not stop calls from charities, political organizations, telephone surveyors or companies you have done business with in the past.
See the FTC site for more information.
|
|
Gary's Latest Articles
From Times Record News
and Biz to Biz
Retirement Account News
Gary's recently shared important information about your IRA and 401(k) accounts. Many people think that it is enough to leave your IRA to someone in your will, but you need to do more than that, or it can cost you.
Next, there are some new rules in the works that will allow you to clearly see the costs associated with your 401(k) plan.
Starting a New Business What does it take to start a business of your own? First, letting go of the idea that you and your business have to be perfect. Read more... |
|
Money 101: Tax Time
|
|
|
Something to think about in this election season
A lot of folks churn numbers to come up with statistics that are mostly meaningless. One of these is to predict how the stock market will do based on it being an election year and what party is in office at the time. In case you were wondering, the last time the S&P 500 was down during an election year when an incumbent Democrat was president was way back in 1940. That's 72 years ago. The market was up when Truman ran, when Johnson ran, when Carter ran, and when Clinton ran for a second term.
Sincerely,
Gary Silverman
Personal Money Planning |
|
|
|
©2012 Personal Money Planning . All rights 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 from this newsletter for general education by the original recipient.
|
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. |
|
|
|
|
|
