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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.
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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.
You may know that I support the Navy Seabees at Sheppard Air Force Base. They recently won recognition as the most community active military group at Sheppard. They earned that award because of their commitment to help nonprofits in Texoma with projects of all sorts. The Seabees are an integral part of Hotter'N Hell Hundred week, FallsFest, Streams and Valleys trail days, Thor, The Duel, and Wee-Chi-Tah trail races to name a few. The Seabees help many nonprofits throughout Texoma and now is a great time to help them back. 
The bull market started 70 months ago and has gained (as I'm writing this) about 250%. Since 1950 there have been 10 bull markets and only 3 of those have gone up at least 200%. So, assuming you didn't sell out of the market during the Great Recession (and not get back in), you should be happy. While they might be happy with the results, studied investors tend to wonder what the future will bring. Bull markets, after all, don't last forever.
How did the markets behave in November? Take a look at this month's market monitor. It's full of information, graphs and charts to keep you in the know. 
