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Dear Maria & Don,

Good news! 

Phyllis had successful total right hip replacement surgery and now is almost back to full strength. 

She is looking forward to catching up on her tennis playing and going for walks with Jerry and the grand kids.  

We are very thankful for all your prayers during this time.   We have been blessed with such wonderful friends and clients.

TITHING AND YOUR REFERRALS

WWC is tithing on all Matrix fees and we are gifting to Christian Non Profit organizations/ministries. 

When you refer someone who becomes a client, you will be sent a Ministry Income letter for you to complete if you would like to direct the tithing from your referrals' advisory fees to your favorite Christian ministry.

If you do not respond, we will determine the Christian Ministry that will receive it.

NEW RECEPTIONIST AT WWC

We are very pleased to announce that Debbie Tinkler will be our front office and answering the 734-453-1819 and 800-615-0435 number.  She will be answering for WWC from 8:30 AM - 5:00 PM. 

Debbie is not new to WWC as she and Phyllis go way back to working together at the National Association of Family Wealth Counselor in the 90's. Debbie is married to a minister and lives in Indiana.  Now when you refer your friends to us and they call the business number they will get Debbie first and she will then relay the message to the correct staff person.

Please continue to use our cell numbers to contact each of us directly.  All our numbers can be found at the end of the newsletter. 

PLEASE TAKE NOTE: Lynn's new number is 616-460-1581.

2007 CHRISTMAS PARTY AT FREDERICK MEIJER GARDENS

Wordhouse Wealth Coaching has been blessed with wonderful clients and would like take you out to lunch and share the wonders of Frederick Meijer Gardens & Sculpture Park during this time of year.

Saturday, December 1st from 12:15 - 4:30 PM

Please invite your family and friends to attend with you. After lunch and a short video, you will be able to tour the barrier-free Frederick Meijer Gardens & Sculpture Park until 4:30.  Christmas is a special time at FMG as they have several additional attractions for all ages to enjoy. 

This is a 2 hour drive from Plymouth.  If you are interested in getting a hotel room, there are many hotels on 28th Street, going West from 96 toward the East Beltline.  From your hotel, go to the East Beltline North past 96 and Meijer Gardens will be on your right.  

RSVP needed by Wednesday, Nov. 21

616-460-6518  734-459-1819  800-615-0435

jkurtz@wordhousewealthcoaching.com

Dress: Christmas Casual

Merry Christmas and God Bless!

HOLIDAY BUSINESS HOURS

Listed below are our 2007 dates to help you know our end of the year expectations in completing paperwork or setting up appointments.

October 31 - Request your foreseeable "end of the year" decisions by this date

November 21 - Checks and completed paperwork to Lynn

December 13 - Last 2007 WWC appointment

December 15 - January 4 - Wordhouse Wealth Coaching available by voice mail or email.

Because we are a virtual company, you can contact us at any time and we pride ourselves in responding to your requests within 24 hours.

INVESTOR CLASSES

We teach three types of classes and expect our clients to attend them all.

Investor Education Series, Life Coaching and Stewardship Coaching.

It is important that you have the tools to make wise decisions with your money and to share your knowledge with others.  These classes give you fundamental information into the technical, introspective and non-technical aspects of investing and planning.

2008

Plymouth - Wordhouse Home - Bring your pastor and church friends to these stewardship classes!

Jan. 14, 7 - 9 PM  The Stewardship Solution / What are you doing with God's money?

April 22, 7 - 9 PM  Stewardship for the Yachtless / Non millionaires can have a giving plan

Oct. 7, 7 - 9 PM  Being a Holistic Steward / Stewardship in all of your life

Plymouth - JW Hulce Center for the Arts - Bring friends and change their lives!

Jan. 15, 7 - 9 PM   Investment TRUTHS: Separating Myths from Truths

April 29, 7- 9 PM  Investment TRUTHS: Separating Myths from Truths

Oct. 14, 7 - 9 PM  Investment TRUTHS: Separating Myths from Truths

Grand Rapids - Cornerstone University - Bring friends and change their lives!

Jan. 22, 10 -  Noon Investment TRUTHS: Separating Myths from Truths 
Jan. 22, 7 - 9 PM  Investment TRUTHS: Separating Myths from Truths  

April 1, 10 -  Noon  Investment TRUTHS: Separating Myths from Truths

April 1, 7 - 9 PM  Investment TRUTHS: Separating Myths from Truths

Sept. 16, 10 -  Noon Investment TRUTHS: Separating Myths from Truths

Sept. 16, 7 - 9 PM  Investment TRUTHS: Separating Myths from Truths

Allendale - Second Christian Reformed Church - Clients only

Jan. 23, 7 - 8:30 PM  The Critical Mind set for Harnessing the Power of Free Markets

April 2, 7 - 8:30 PM  Discovering Your True Purpose for Money and/or Life  - Life Coaching

Sept.17, 7  - 8:30 PM   The Stewardship Solution / What are you doing with God's money?

Hudsonville - Hudsonville Congregational United Church of Christ - Bring friends and change their lives!

Jan. 24, 10 -  Noon  Investment TRUTHS: Separating Myths from Truths 

Jan. 24, 7 - 9 PM  Investment TRUTHS: Separating Myths from Truths 

April 3, 10 -  Noon  Investment TRUTHS: Separating Myths from Truths

April 3, 7 - 9 PM  Investment TRUTHS: Separating Myths from Truths

Sept. 18, 10 -  Noon  Investment TRUTHS: Separating Myths from Truths

Sept. 18, 7 - 9 PM  Investment TRUTHS: Separating Myths from Truths

Our 2008 class schedule is subject to change at any time. 

RSVP's are a MUST! Please check the website for any date or location changes on the schedule.

If you are unable to attend the classes, please contact Joyce to send you the class materials so you can self study. 

RSVP NOW for Classes!

jkurtz@wordhousewealthcoaching.com

NO! NO! NO!

Inland Land Appreciation Fund investors have received an offer to purchase their remaining units. Do not accept the offer. All the money you receive back from Inland Land Appreciation is 100% your gain!  If you have questions, call Phyllis.

403b RETIREMENT PLANS

We are no longer allowed to withdraw your 403b monies, before retirement or the plan ceasing, to move your funds to Matrix.  We are encouraging clients to instead, maximize their ROTHS for the employee and the spouse, before considering contributing to their 403b at work. Matrix can help you manage your 403b at work to be as close to MPT as possible with the funds you have in your 403b program. 

There will be no future transfers from your employers 403b while the account is still active.  We can only transfer your funds once you retire, change jobs, or your employer changes their approved companies.

INLAND DISTRIBUTION

Inland American to increase annualized cash distribution rate to 6.2%

Effective November 1, 2007, Inland American will increase the per share amount of its annualized cash distribution from $0.61 per share, equivalent to a 6.2% annualized return on a $10.00 share price.  Because Inland distributions are in arrears, the cash distribution paid in December 2007 will be the first to reflect this increase. More information about the cash distribution increase, and Inland American's distribution policy in general, can be found in the Prospectus dated August 1, 2007, each of which has been filed with the Securities and Exchange Commission.www.inland-american.com

TOSS OLD FORMS

Matrix and TCA forms are continually being revised.  If you have old forms please toss and request new forms when you are ready to submit the request. 

The envelopes we sent with Matrix's address printed on them are still good.  If you need more envelopes, we will be happy to send you more for direct deposits.  Call or email Lynn.

DID YOU TURN 70 THIS YEAR?

If you turned 70 this year, take your first required minimum distrubution BEFORE THE NEW YEAR, so you don't have to take and be taxed on double the amount in 2008.  If you need to have your RMD figured out please give Joyce a call 734-536-3407 or email JKurtz@WordhouseWealthCoaching.com. Joyce will calculate the amount you need to take out and submit the paperwork for you.  

RETIREMENT CONTRIBUTION LIMITS  (under age of 49 / 50+)

2007

Roth: $4000 / $5000

403b/457/401k: $15,500 / $20,500

Defined Contribution: $45,000

2008

Roth: $5000 / $6000

403b/457/401k: $16,000 / $21,000

Defined Contribution: $46,000

The year you turn 50, you can maximize with the higher amount. Lynn will be sending you paperwork to change your ROTH contributions for January 2008.

MARIA OR PHYLLIS'  NAME ADDED TO YOUR PAPERWORK

You might notice that both are listed on your newest Matrix statements. We have combined our Matix clients into one Wordhouse Wealth Coaching account.  This helped to consolidate reports and paperwork.  There will be no change in the appearance of the TCA paperwork.

UNHAPPY WITH YOUR CPA / TAX PREPARER?

A CPA / tax preparer that you like, deducts your advisory fees and supports MPT is an important part of your peace of mind when figuring your taxes.   If you would like a new CPA/tax preparer we will be happy to refer our personal and business CPA / tax preparer, Frank Wiegand. Frank has given the Wordhouse's a lot of peace of mind in making important decisions in our personal and business lives. 

Please note we do not have any financial interest in recommending him to you.  We believe that surrounding yourself with a great team is important to your happiness and success in life. 

CORRECTIONS WANTED

No one likes their name misspelled or an incorrect address on their statements!  If you see that your WWC/Matrix/TCA statements are not accurate in some way, please contact Joyce immediately.  We try to catch the mistakes, but now and then one slips though.

NEW ARTICLE

Click on this link to read our newest article, Simple Investing Creates Financial Peace of Mind, which was published in the Observer Eccentric Sept. 30, 2007. Please share this article with your loved ones over Thanksgiving time, you could change their lives! 

All our articlescan be found under the communication tab http://wordhousewealthcoaching.com/communication.html on our website.

NEW FREE MARKET PLATFORM

It is with great anticipation that we are announcing the new platform will be open January 2008.  We will be sending you more info regarding switching your accounts to the new platform after the New Year.  

MPT just got Bigger and Better

1. Additional Asset Classes - International Small Cap, Emerging Markets Value, Emerging Markets Small, Two Year Global Fixed.  Equaling 4,972 unique NEW holdings.  Giving you better diversification.
2. Daily rebalancing via new cash inflows.  The funds are aggregated, so when new money comes in as cash, Matrix rebalances the asset classes with the new cash.  This eliminates the need to sell funds to balance out the funds who are below target.
3. Lower short term gains - tax efficient trading.  Due to using new cash inflows to rebalance, there will be lower turnover, therefore lower costs and lower taxes.
4. Improved reporting to demonstrate improved portfolio diversification
5. Exclusive fund structure. No one outside of Matrix will have this program.

Matrix is keeping the current platform open as there may be situations where larger accounts over $1 million where it might not be in the best interest of the client to switch.  We will be reviewing all clients accounts to determine if the new platform would be a good match.

Sincerely,

Phyllis and Maria