To manage wealth appropriately, sometimes it may be necessary to have a single team dedicated to just your wealth management. This may be scary but it is actually a real practice to have what is called a family office, which can often be found in a family office network, to manage your wealth. This means that you should have at least 1 million dollars to manage, and is a way to have a team that you trust to manage your wealth. There are many family office conferences where you can learn more. U.S. Postal Service Change of Address Joseph J Tramontana is from Hamilton New Jersey and served as a Business Administrator. He is well regarded as an excellent Finance Officer. millionaireblueprintconsumerreview Are you looking for "gold dealers"? Check out buy-gold The passionate experts in this field are ready to answer all of your requests.

FPW Survey thanks

Thanks to all who responded to the FPW survey!

FPW participant Catherine Sharpsteen was the grand prize winner of a free consultation with Suzanne Dalebout & Heather Shino of Polaris Financial Planning. Additional names were drawn to receive financial planning books. If you get an email please respond promptly with your book selection.

My grad student Sam Nelson and I are in the process of reviewing and analyzing the results to help plan future FPW programs.
I’m not a fan of gift cards because of the billions of $ lost by consumers each year to fees, unused cards, & lost cards, but mostly because the recipient cannot save any of your gift. If you gave cash or a check, you could encourage a child to a) save a % of the gift, b) give some to charity, & c) spend some on what they would really treasure. In today’s dismal economy many adults need help paying for rent, mortgage, utility, food, etc. You may not realize the extent of their financial distress because they are embarrassed to let anyone know. Another idea (especially for many Americans who have all that they really need) is to make part of your gift a donation to the recipient’s favorite charity, local food bank or animal shelter, or through The Alternative Gifts International: The December issue of Money magazine included an article about a Wharton School economist who studies gift giving. His research concludes that gifts are ‘economically inefficient” especially when we aren’t sure what the recipient really wants. 

Experience Utah, buy local first (help the local economy):
Global Village Gifts, 146 North 100 East in Logan offers lovely fair traded items from around the world. 

Send a gift subscription to a personal finance magazine like Kiplinger’s, Money, or Consumer Reports.

More resources for simplifying the holidays and your life: Simple Living network:
Alternatives for Simple Living:

The Federal Reserve wants to help you use your credit cards wisely as you shop for the holidays. A new 45-second video Public Service Announcement includes 5 tips for getting the most from your credit cards by:
  • paying on time each month
  • staying below your card's credit limit
  • avoiding unnecessary fees (such as late payment and over-the-limit fees)
  • making more than the minimum payment and
  • watching for changes in your card's interest rate and other terms.
You can view and link to the video at
Avoid the holiday hangover of credit card bills this year. Enjoy the holidays without all the shopping.

See you on January 13.

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FPW Survey thanks
FPW Survey thanks
Reviewed by Pisstol Aer
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Rating : 4.5