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IN THIS ISSUE: 
Personal Money Planning's Newsletter
November 21, 2015
Gary Silverman, CFPWelcome to our newsletter. If you would like to share it, feel free to use the buttons at the very top of this email. We would be grateful! 

Speaking of being grateful, we would like to take this time to say "Thanks" for subscribing and keeping in touch. 

Happy Thanksgiving!  

Gary Silverman, CFP®
Soapbox
Gary's Soapbox
Upcoming Seminar Announcement
finger-keyboard.jpg The year is almost over. Yes, we still have Thanksgiving and Christmas to look forward to, but we also have to look forward to  the end of the calendar year and the upcoming tax season. A few things to think about:
  • Charitable donations. If you want them to count for tax year 2015, it's time to do it. Read more from the IRS .
  • Required Minimum Distributions (RMD). If you are 70 1/2 or older, you need to take your RMD from your IRA before the end of the year. Best to get the wheels in motion by the beginning of December. 
If you are in the Wichita Falls area, I hope you will join us for our annual End of Year Tax and Market Update Seminar. Here's more info: 

Free Seminar
December 3, 2015
5:30 to 7:30 p.m.
Wichita Falls Museum of Art at Midwestern State University
2 Eureka Circle, Wichita Falls, TX

Speakers:
Gary Silverman, CFP® and David Welch, CPA


Join us to discuss issues crucial to wrapping up your financial year and starting 2016 on the right track. David will discuss tax issues important to be aware of as you prepare for the upcoming tax season. I will look back at what has happened in the market in the past year and will share my thoughts on where it is heading.


Please RSVP by responding to this email, calling 940-692-6885, or emailing Tina@PersonalMoneyPlanning.com
Articles
Gary's Latest Articles
From the Times Record News
Saving for college: Is a 529 plan or a Roth IRA a better option for you?

When it comes to long-term savings for college, quite a few variables have to be taken into account. For example, what if the child decides to skip college? What happens to their financial aid chances if a savings account is set up? These and other questions are discussed in Gary's 2-part series. 

Read Part One HERE
Read Part Two HERE
Money101
Money 101:
Monthly Market Monitor
tiny-business-people.jpg In addition to numerous charts and graphs with information about the worldwide markets, the monthly monitor also includes introductions to some very informative blog posts. Click here to hear what experts are saying about interest rate changes, global market volatility, and what investors should focus on instead of the "sweet spot."  
 CLICK HERE TO LEARN MORE
Final
Final Thought
It's funny because it's true

Tina came across this "financial" article and thought it would be a good way to end the newsletter. After all, it's important to save for the luxuries in life; you can't get "money for nothing." Enjoy this story from The Onion.
QUICK LINKS

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This newsletter is produced by Gary Silverman, dba Personal Money Planning, a registered investment advisor located in Wichita Falls, Texas.
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