November Greetings

As I write this month's newsletter, the weather outside is turning decidedly Novemberish. Cool, wet, and windy, it makes you think that maybe something more harsh is just around the corner.

It's a similar feeling that I get as I see the market headlines - housing starts are way down, oil prices way up, market going sideways to down a little - it just makes you think something more harsh is in the offing. Much the same as we know that there is a Spring around the corner and we know that there will be some chilly winds to endure in the short term, I think that our present market outlook is not nearly as bleak as all of the signals seem to indicate. Granted, we're going to have to endure the "chill" of higher fuel prices and the "ill winds" as the housing market rights itself, but all in all, before you know it, this "winter of discontent" will be past us and we'll soon see the sprouts of new growth in our investments. If you're sufficiently diversified throughout the market, now is a good time to begin to snuggle in for a winter's sleep - relax, and get out a good book to enjoy by the fireplace.

In this month's newsletter, I'll cover the benefits of having a will in place. I think you'll learn something here - and maybe it will get you motivated to take some action.