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IN THIS ISSUE: 

Personal Money Planning's Newsletter
December 26, 2015
Merry Christmas! OK, I'm a day late, but hopefully you are still enjoying the holiday season as it winds down.
The new year is just around the corner, so I thought a new(er) picture of myself would be a good idea. Feel free to share in your social networks if so inclined.

Jokes aside, thanks for subscribing to our newsletter and I hope you have a wonderful and prosperous 2016!
 
Regards,  

Gary Silverman, CFP®

Soapbox
Gary's Soapbox
Monthly Market Monitor
tiny-business-people.jpg Yes, this link is usually found in the Money 101 section, but that space was already filled, and I didn't want anyone to miss out on this monthly update. Maybe you glance through the charts or click through to the blogs; however you use it is up to you. Enjoy. Click here
Articles
Gary's Latest Articles
From the Times Record News
Is it "wrong" to gamble?
Gary made some observations about gambling during a recent business trip to Las Vegas. So, is gambling wrong? It depends...Read more...

The customer service dance
During the same business trip, Gary also observed another phenomena--the precise actions of a high-functioning working team. Do businesses you frequent work so well? Does your own? Read more...
Money101
Money 101:
Just in time tax information
dollar_bill.jpg Congress did some last minute work on the tax code last week. This link goes into a detailed summary in case tax stuff interests you. If you are basically the one who prepares or strategizes your taxes you might want to read it. Click here.
Final
Final Thought - Just for fun
'Twas The Day After Christmas (By David Frank)
Twas the day after Christmas and all through the house 
Children sat slack-jawed, bored on the couch.
Wrappings and toys littered the floor, 
An incredible mess that I did abhor.
With Mom in her robe and I in my jeans, 
We waded in to get the place clean.
When suddenly the doorbell: it started to clatter, 
I sprang to the Security-View to check out the matter.
The new-fallen snow, now blackened with soot, 
Was trampled and icy and treacherous to foot.
But suddenly in view, did I gasp and pant: 
An unhappy bill collector and eight tiny accountants.
The door flew open and in they came, 
Stern-looking men with bills in my name.
On Discover, on Visa, on American Express, 
On Mastercard too, I sadly confess, 
Right to my limits, then beyond my net worth, 
Over the top I had charged, in a frenzy of mirth.
The black-suited men, so somber, so strict, 
I wondered why me that they had first picked.
They stared at me with a look I couldn't miss, 
That said "Buddy, when are you for paying for this?"
I shrugged my shoulders, but then I grew bolder, 
Went to the cabinet and pulled out a folder.
"As you can see," I said with a smile, 
"It's bankruptcy that I'll have to file!" 
And with a swoop of my arm, my middle digit extended 
I threw the bills in the fire: the matter had ended.
The scent of burnt ash came to my nose, 
As up the chimney my credit-worthiness rose.
Without another word they turned and walked out, 
Got into their limos, but one gave a shout: 
"You may think that's the answer to all of your fears, 
But it's nothing you'll charge for at least seven years!
 
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