December,
2004
Dear Appreciated Client and Friends,
If you read the financial news, you can’t help but see
articles about the falling US dollar. The long term effects are speculated by
many. And as with any predictions, someone will have guessed correctly.
Regardless of who is correct in their predictions, here is some interesting data
about our country and personal habits:
Meanwhile, Americans fail to save
enough - whereas the rest of the world saves too much. American consumers have
borrowed against the future by squandering their savings. The personal savings
rate was just 0.2 percent of disposable personal income in September - down from
7.7 percent as recently as 1992. Moreover, large federal budget deficits mean
the government's savings rate is negative.
Source: November 26, 2004,
OP-ED
CONTRIBUTOR.
Stephen S. Roach is chief economist for Morgan
Stanley.
As the holidays approach, I ask you to consider making
the personal choice not to follow the crowd. Use the holidays not as a
source of new debt, but as a moment of consciousness to be filled with
gratitude, and to spend time with your family and friends. When you are
old and others are telling stories of your life, they won’t be reminiscing about
the great present you bought them, they will be remembering the time you spent
together.
To give you a boost in new thinking, this month’s
article is “The Top Five Ways to say I love
you by giving the gift of yourself.”
Happy Holidays,
Mackey
Contents:
Straight to the
Top, A six month adventure to create the business of your
dreams, begins January 2005. If you:
This process may be for you. Here is what one
participant said:
“Thank
you, Thank you, Thank you. What I have learned is invaluable!”
Call Mackey at 859-331-7755 for
more information
Great
News!!
We hoped this day would come, and it finally did!
The Intersection of Joy and Money
is now an international hit. Popuri Publishing, a Russian publishing
house, has decided to print 7,000 copies of The Intersection of Joy and Money in
Russian!
Client Focus: Audrey
Godwin
No Room for Playing
Small
“Mackey is a great
voice. The Intersection of Joy and Money is a true workbook that I have used…and that I have
given to my clients to use…to become clear on the choices and patterns we have
around money.” - Audrey Godwin, CPA & Founder, The Godwin
Group
Audrey Godwin first heard Mackey speak at a conference
and was immediately drawn to Mackey’s message of joy, money, and living your
passion. Mackey was also doing something Audrey had dreamt of doing
for years….owning and running a successful CPA/Consulting
firm.
Now, several years later, Audrey is also the owner of
her own successful firm, The Godwin Group, located in
After seeing Mackey speak, Audrey stayed in touch with
Mackey and bought the book as soon as it was published. She loved it
so much that she now also uses the book as a working tool with her
clients.
“I will give the book to my clients and have them read
certain chapters – or complete certain exercises for us to talk about,” explains
Audrey.
Audrey is also committed to her own personal development
– which includes ongoing work in The
Intersection of Joy and Money. “As a Mom and a Business
Owner, there is no room for playing small,” says Audrey, “I’m working on being
everything I can be.”
To learn more about Audrey Godwin and her business, The
Godwin Group, please visit her website www.theGodwinGroup.net or email her at
AGodwin@theGodwinGroup.net
The Top
Get a little crafty and make your partner smile.
How about a personal coupon book, redeemable for a 10-minute foot massage, their
favorite dinner, a pedicure, or doing anything they really don’t like to do
(like take their car in for an oil change, or the laundry.) Be creative
and have some fun.
#2 Volunteer together
Take the whole family and volunteer for part or all of a
day at your favorite charity, or let the kids pick a charity they know and
understand. You’ll give your kids two gifts they will never forget, your
time and the pure pleasure in serving others.
#3 A letter from the heart
Rather than a card off the shelf, written by someone you
don’t know and never will, take the time to write a letter to your partner or
children telling them what this year has meant to you in your
relationship.
#4 Plan a trip to a local
park.
Instead of a day of shopping, put on your warm clothes,
wish for a sunny day and take a hike in the woods. Nature brings out the
best in us all. Take along a thermos of hot chocolate for the end of the
hike.
#5 Give the gift of
education
Instead of more toys soon to be discarded, give all or a
portion of your kids, nieces or nephews presents as money in a college saving
fund. Enclose with it a personal story of how you found your life
path. You will help them learn the lesson of saving while giving a truly
lasting present.
Favorite web
site:
www.thebeehive.org has simple, plain
English advice on subjects such as setting up a budget, savings, investing,
managing your cash and credit. A good site for anyone who is starting out
or for anyone who wants to know more without wading through
finance-ease.
Upcoming
Events:
SRI preview
Start the New Year off by coming to lunch at our new
offices on January 25, 2005, to learn the truth and dispel the myths of Socially
Responsible Investing. You can make a difference every day by voting with your
money. Join us on January 25th and find out how to get
started.
Straight to the Top
This six month adventure starts January 25, 2005 with a
Grow Your Business seminar at our new offices. If you are ready for your
business to be at the top of your
field, join the group for guidance, support, and great how to’s. Please
come and share in the learning with us.
Moving
details:
Prosperity Publishing, and The Advisory Team, LLC
will be moving to a new location on January 3, 2005. The new address will
be
The Joy and Money Newsletter is published by Prosperity Publishing.1881 Dixie Hwy, Suite 100, Ft. Wright, KY 41011. 859.331.7755 www.JoyandMoney.com