The January 2013 personal finance newsletter is now available. It includes lots of financial planning news and updates. Starting with a review of the 2012 investment year, we also review the details of the fiscal cliff compromise and how it may affect you. In addition, there are articles on resources for retirees going back to college, the economics of borrowing from your 401k, and perspective on the fallacy of making investment market predictions. Lastly, the free Countdown to Retirement series starts on Tuesday January 15 at the Keller Public Library, and details on the series are provided. Please click here to read the newsletter, and enjoy!