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In the new model starting soon, the consultant or advisor will be the managed account advisor and will use Morningstar technology services in a support capacity as managed account advisor. Although, again, typically they will be index. You design the pies, you provide the advice. By designing those pies, our technology delivers it out to the participants and then you can be compensated for doing that work in a manner consistent with how we would pay Morningstar, if they were the ones doing the pies themselves.

Under the new plan, the plan sponsor pays the consultant or advisor. In many cases, plan sponsors pay the consultant directly or that fee can be included in the overall amount paid by the participants. Most RIAs charge direct fees rather than 12 b 1 fees.

But that nuanced approach amounted to a rookie mistake, according to Louis Harvey, president of Dalbar Inc. They assumed that a market existed, but then discovered what many have known for years … k plans need a very personal sales effort. Employers are not self-motivated to take risks and spend money on a k plan, they have to be convinced that the plan is a good idea.

I expect Schwab has realized this and is now making their product conform to the market opportunity. Though the all-in cost will rise, the fees charged by Schwab itself will not change, Gable explained. Fees can vary and are negotiated between the providers such as Morningstar and the consultants as well as the employers.

Typical fees are 10 to 15 basis points for underlying funds and 40 basis points for other aspects of the program, including advice. Jason Roberts: The investment menu is just one-tenth of the challenge for employers. By bringing in consultants, Schwab demonstrates it needs help selling its k plans, says Rick Meigs, founder of khelpcenter.

But even with this change, Meigs is skeptical that many advisors will offer this plan to plan sponsors because most advisors consider their value to be picking the investments. Most want other options like target date funds. Gable disagrees with Meigs. He is convinced that advisors have more insight to offer employers in addition to investment offerings.

On the July 27 call, Bettinger explained that his company will be carefully rolling out the improved program only to a certain group of consultants. There is no official start date, Gable says. We are not necessarily going to make it available to every consultant. While Morningstar may have less of a role to play in the revamped Index Advantage, the Chicago firm says that more advisor participation is a good thing.

Gable confirms that Morningstar will continue to play a significant, and perhaps even more versatile, part in the program. The market is enormous and we think the trend towards preferring low-cost largely ETF-based portfolios is only going to pick up in pace, making SIA an opportunity both for Morningstar and consultants.

Mike Alfred: They need to go down market and in order to effectively go down market, you need to go to advisors. When they originally launched Index Advantage their focus was on large mega-plans. Roman has been a portfolio manager with CSIM since , and has held a number of positions at the firm since beginning his tenure in In , he joined the Portfolio Management group as a Trader, and prior to that he worked in the Portfolio Operations and Analytics group providing trading support to the taxable money market desk.

Feske was a high-yield bond analyst for more than two years at Miller Tabak Roberts Securities, a boutique corporate bond broker-dealer, which is now part of GMP Capital. He covered both U. Previously, Mr. Feske was employed in the securities industry as an equity trader for three years. Schwab Advisor Cash Reserves 3. Schwab Advisor Cash Reserves. Schwab Advisor Cash Reserves the fund seeks the highest current income consistent with stability of capital and liquidity.

To pursue its goal, the fund invests in high-quality, short-term money market instruments issued by U. Examples of these securities include commercial paper, certificates of deposit, repurchase agreements, variable-rate debt securities, and obligations issued by the U. Since December , when the Federal Reserve the Fed first cut short-term interest rates to a target range of 0. Market Highlights. For the month reporting period ended December 31, , many markets saw heightened volatility. Meanwhile, the Fed raised the target federal funds rate to a range of 0.

Through the sale and repurchase of securities at a current market rate, the goal of the facility is to establish a floor for short-term interest rates. Available supply of money market securities largely remains constrained as stricter regulatory mandates have increased the costs of selling short-term securities for many issuers.

These higher costs and persistently low interest rates have instead encouraged the issuance of longer-term securities, most of which are not money market eligible. Performance, Positioning, and Strategies. In anticipation of the impending rate hike, the weighted average maturity WAM of the fund was generally reduced over the reporting period. Management views and portfolio holdings may have changed since the report date.

Money market fund shares and U. The fund itself has not been rated by an independent credit rating agency. The performance data quoted represents past performance. Past performance does not guarantee future results. Current performance may be lower or higher than performance data quoted. To obtain more current performance information, please visit www. Seven-Day Yields. The seven-day yields are calculated using standard SEC formulas. The effective yield includes the effect of reinvesting daily dividends.

Please remember that money market fund yields fluctuate. In addition, the investment adviser and its affiliates have voluntarily waived expenses in excess of the contractual expense limitation to maintain a positive net yield for each share class of the fund voluntary yield waiver.

For additional details, see financial note 4. The voluntary yield waiver added 0. Schwab Advisor Cash Reserves 5. Fund Expenses Unaudited. As a fund shareholder, you may incur two types of costs: 1 transaction costs, such as redemption fees; and 2 ongoing costs, including management fees, transfer agent and shareholder services fees, and other fund expenses. Actual Return lines in the table below provide information about actual account values and actual expenses.

You may use this information, together with the amount you invested, to estimate the expenses that you paid over the period. Because the return used is not an actual return, it may not be used to estimate the actual ending account value or expenses you paid for the period.

Please note that the expenses shown in the table are meant to highlight your ongoing costs only, and do not reflect any transactional costs, such as redemption fees. Therefore, the hypothetical return lines of the table are useful in comparing ongoing costs only, and will not help you determine the relative total costs of owning different funds. In addition, if these transactional costs were included, your costs would have been higher. Financial Statements. Financial Highlights. Calculated based on the average shares outstanding during the period.

Reflects the effect of a voluntary yield waiver in excess of the contractual expense limitation. See financial note 4. The ratio of gross operating expenses would have been 0. There was no impact on the ratio of net operating expenses. This section shows all the securities in the fund's portfolio and their values as of the report date.

The fund files its complete schedule of portfolio holdings with the SEC for the first and third quarter of each fiscal year on Form N-Q. The fund also files a complete schedule of portfolio holdings with the SEC monthly on Form N-MFP which is available 60 days after the end of the month to which the information pertains. The fund also makes available its complete schedule of portfolio holdings 5 business days after month end on the fund's website at www.

For fixed rate obligations, the rate shown is the coupon rate the rate established when the obligation was issued and if the coupon rate is not available, the effective yield at the time of purchase is shown. For variable-rate obligations, the rate shown is the interest rate as of the report date. The date shown in the maturity date column below is either the date on which the principal amount must be paid or the date payment must be made pursuant to a demand feature.

If the security's structure includes one of a number of maturity-shortening provisions set forth in Rule 2a-7, such as an interest rate reset, demand feature or put feature, the effective maturity date is also disclosed. If the effective maturity and maturity date are the same, the date will only appear in the maturity date column.

Portfolio Holdings continued. End of Investments. These securities may be resold in transactions exempt from registrations, normally to qualified institutional buyers. Government Agency Securities or less frequently by U. Treasury Securities. At December 31, , all of the fund's investment securities were classified as Level 2.

The fund's policy is to recognize transfers between Level 1, Level 2 and Level 3 as of the beginning of the fiscal year. There were no transfers between Level 1, Level 2 and Level 3 for the period ended December 31, The breakdown of the fund's investments into major categories is disclosed on the Portfolio Holdings. See financial note 2 a for additional information. Statement of. Assets and Liabilities. As of December 31, For the period January 1, through December 31, Changes in Net Assets.

For the current and prior report periods. Business Structure of the Fund:. The trust is organized as a Massachusetts business trust and is registered under the Investment Company Act of , as amended the Act. The list below shows all the funds in the trust as of the end of the period, including the fund discussed in this report, which is highlighted:.

Shares of each class represent interest in the same portfolio, but each class has different expenses and investment minimums. Shares are bought and sold at closing net asset value per share NAV , which is the price for all outstanding shares of the fund.

The fund maintains its own account for purposes of holding assets and accounting, and is considered a separate entity for tax purposes. Within its account, the fund may also keep certain assets in segregated accounts, as required by securities law.

Significant Accounting Policies:. The following is a summary of the significant accounting policies the fund uses in its preparation of financial statements. Under procedures approved by the Board, the investment adviser has formed a Pricing Committee to administer the pricing and valuation of portfolio securities and other assets and to ensure that prices used for internal purposes or provided by third parties reasonably reflect fair market value.

Among other things, these procedures allow the fund to utilize independent pricing services, quotations from securities and financial instrument dealers and other market sources to determine fair value. Securities in the fund are valued at amortized cost which approximates market value as permitted in accordance with Rule 2a-7 of the Act.

In the event that security valuations do not approximate market value, securities may be fair valued as determined in accordance with procedures adopted by the Board. The Pricing Committee considers a number of factors, including unobservable market inputs when arriving at fair value.

The Pricing Committee may employ techniques such as the review of related or comparable assets or liabilities, related market activities, recent transactions, market multiples, book values, transactional back-testing, disposition analysis and other relevant information. The Pricing Committee regularly reviews these inputs and assumptions to calibrate the valuations.

Due to the subjective and variable nature of fair value pricing, there can be no assurance that a fund could obtain the fair value assigned to the security upon the sale of such security. The Board convenes on a regular basis to review fair value determinations made by the fund pursuant to the valuation procedures.

In accordance with the authoritative guidance on fair value measurements and disclosures under GAAP, the fund discloses the fair value of its investments in a hierarchy that prioritizes the significant inputs to valuation techniques used to measure the fair value.

The hierarchy gives the highest priority to valuations based upon unadjusted quoted prices in active markets for identical assets or liabilities Level 1 measurements and the lowest priority to valuations based upon unobservable inputs that are significant to the valuation Level 3 measurements.

If inputs used to measure the financial instruments fall within different levels of the hierarchy, the categorization is based on the lowest level input that is significant to the valuation. If the. Financial Notes continued. The three levels of the fair value hierarchy are as follows:. These generally include U. Securities held by money funds operating under Rule 2a-7 of the Act are valued at amortized cost which approximates current market value and are considered to be valued using Level 2 inputs.

When observable prices are not available for these securities, the fund uses one or more valuation techniques for which sufficient and reliable data is available. The inputs used by the fund in estimating the value of Level 3 prices may include the original transaction price, quoted prices for similar securities or assets in active markets, completed or pending third-party transactions in the underlying investment or comparable issuers, and changes in financial ratios or cash flows.

Assumptions used by the fund due to the lack of observable inputs may significantly impact the resulting fair value and therefore the fund's results of operations. The inputs or methodology used for valuing securities are not necessarily an indication of the risk associated with investing in those securities.

Repurchase Agreements: In a repurchase agreement, a fund buys a security from another party the counter-party , usually a financial institution, with the agreement that it be sold back in the future. Repurchase agreements subject a fund to counter-party risk, meaning that the fund could lose money if the other party fails to perform under the terms of the agreement. The fund mitigates this risk by ensuring that a fund's repurchase agreements are collateralized by cash, U.

These risks are magnified to the extent that a repurchase agreement is secured by collateral other than cash and government securities, such as debt securities, equity securities and high yield securities that are rated below investment grade. All collateral is held by the fund's custodian or, with multi-party agreements, the agent's bank and is monitored daily to ensure that its market value is at least equal to the repurchase price under the agreement. In the event of a default by the counter-party, realization of the collateral proceeds could be delayed or limited and the value of the collateral may decline.

Investments in repurchase agreements are also based on a review of the credit quality of the repurchase agreement counter-party. The value of the related collateral disclosed in the Portfolio Holdings exceeded the value of the repurchase agreements at period end.

Delayed-Delivery Transactions: The fund may buy securities at a predetermined price or yield, with payment and delivery taking place after the customary settlement period for that type of security. The fund will assume the rights and risks of ownership at the time of purchase, including the risk of price and yield fluctuations.

Typically, no interest will accrue to a fund until the security is delivered. The fund will earmark or segregate appropriate liquid assets to cover its delayed-delivery purchase obligations, if any. Security transactions are recorded as of the date the order to buy or sell the security is executed.

Realized gains and losses from security transactions are based on the identified costs of the securities involved. Interest income is recorded as it accrues. If the fund buys a debt security at a discount less than face value or a premium more than face value , it amortizes premiums and accretes discounts from the purchase settlement date up to maturity. The fund then increases in the case of discounts or reduces in the case of premiums the income it records from the security.

Expenses that are specific to the fund are charged directly to the fund. Expenses that are common to all funds within the trust generally are allocated among the funds in proportion to their average daily net assets. For funds offering multiple share classes, the net investment income, other than class specific expenses, and the realized and unrealized gains or losses, are allocated daily to each class in proportion to their average daily net assets.

The fund declares distributions from net investment income, if any, every day it is open for business. These distributions, which are substantially equal to the fund's net investment income for that day, are paid out to shareholders once a month. The fund makes distributions from net realized capital gains, if any, once a year. The fund has an arrangement with its custodian bank, State Street Bank and Trust Company State Street , under which the fund may receive a credit for its uninvested cash balance to offset its custody fees and accounting fees.

The accounting policies described in this report conform to GAAP. Notwithstanding this, shareholders should understand that in order to follow these principles, fund management has to make estimates and assumptions that affect the information reported in the financial statements. The fund intends to meet federal income and excise tax requirements for regulated investment companies. Accordingly, the fund distributes substantially all of its net investment income and net realized capital gains, if any, to its respective shareholders each year.

As long as the fund meets the tax requirements, it is not required to pay federal income tax. In addition, in the normal course of business the fund enters into contracts with its vendors and others that provide general indemnifications. However, based on experience, the fund expects the risk of loss attributable to these arrangements to be remote.

Risk Factors:. Investment Risk. An investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Interest Rate Risk. Interest rates rise and fall over time.

A sudden or unpredictable rise in interest rates may cause volatility in the market and may decrease liquidity in the money market securities markets, making it more difficult for the fund to sell its money market investments at a time when the investment adviser might wish to sell such investments. Repurchase Agreements Risk. When the fund enters into a repurchase agreement, the fund is exposed to the risk that the other party i.

In a repurchase agreement, there exists the risk that, when the fund buys a security from a counter-party that agrees to repurchase the security at an agreed upon price usually higher and time, the counter-party will not repurchase the security. These risks are magnified to the extent that a repurchase agreement is secured by collateral other than cash and government securities, such as debt securities, equity securities and high yield securities that are rated below investment grade Alternative Collateral.

Credit Risk. The fund is subject to the risk that a decline in the credit quality of a portfolio investment could cause the fund to lose money or underperform. The fund could lose money if the issuer of a portfolio investment fails to make timely principal or interest payments or if a guarantor, liquidity provider or counter-party of a portfolio investment fails to honor its obligations.

Even though the fund's investments in repurchase agreements are collateralized at all times, there is some risk to the fund if the other party should default on its obligations and the fund is delayed or prevented from recovering or disposing of the collateral. Negative perceptions of the ability of an issuer, guarantor, liquidity provider or counter-party to make payments or otherwise honor its obligations, as applicable, could also cause the price of that investment to decline.

The credit quality of the fund's portfolio holdings can change rapidly in certain market environments and any downgrade or default on the part of a single portfolio investment could cause the fund's share price or yield to fall. Many of the U. There can be no assurance that the U. Also, any government guarantees on securities a fund owns do not extend to the shares of the fund itself.

Credit and Liquidity Enhancements Risk. Generally, these enhancements are employed by the issuers of the securities to reduce credit risk and provide enhanced or back-up liquidity for the purchaser, such as the fund. For example, a rating agency downgrade of a credit or liquidity enhancement provider may adversely affect the value of securities held by the fund. Foreign Investment Risk. Although the fund may invest only in U. These include risks of adverse changes in foreign economic, political, regulatory and other conditions; differing accounting, auditing, financial reporting and legal standards and practices; the imposition of.

In addition, sovereign risk, or the risk that a government may become unwilling or unable to meet its loan obligations or guarantees, could increase the credit risk of financial institutions connected to that particular country. Management Risk. Any actively managed mutual fund is subject to the risk that its investment adviser will select investments or allocate assets in a manner that could cause the fund to underperform or otherwise not meet its objective.

Liquidity Risk. Liquidity risk exists when particular investments are difficult to purchase or sell. The market for certain investments may become illiquid due to specific adverse changes in the conditions of a particular issuer or under adverse market or economic conditions independent of the issuer, including, for example, during periods of rising interest rates.

Further, transactions in illiquid securities may entail transaction costs that are higher than those for transactions in liquid securities. Redemption Risk. The fund may experience periods of heavy redemptions that could cause the fund to liquidate its assets at inopportune times or at a loss or depressed value, particularly during periods of declining or illiquid markets. Money Market Risk. The fund is not designed to offer capital appreciation.

In exchange for their emphasis on stability and liquidity, money market investments may offer lower long-term performance than stock or bond investments. Affiliates and Affiliated Transactions:. Charles Schwab Investment Management, Inc. Schwab serves as the fund's paying agent under the Plan for making payments of the shareholder service fee due to the service providers other than Schwab.

All shareholder service fees paid by the fund to Schwab in its capacity as the fund's paying agent will be passed through to the service providers, and Schwab will not retain any portion of such fees. The Plan also enables the fund to pay Schwab for certain sweep administration services, such as processing of automatic purchases and redemptions it provides to fund shareholders invested in the fund. The shareholder servicing fee paid to a particular service provider is made pursuant to its written agreement with Schwab or, in the case of payments made to Schwab, pursuant to Schwab's written agreement with the fund , and the fund will pay no more than 0.

The sweep administration fee paid to Schwab is based on the average daily net asset value of the fund's shares owned by shareholders holding shares through Schwab. If the cost of providing the services under the Plan is less than the payment received, the unexpended portion of the fees may be retained as profit by Schwab or the service provider.

Contractual Expense Limitation. CSIM and its affiliates have made an additional agreement with the fund, for so long as CSIM serves as the investment adviser to the fund, which may only be amended or terminated with the approval of the Board, to limit the total annual fund operating expenses charged, excluding interest, taxes and certain non-routine expenses expense limitation , as follows:.

Sweep Shares 0. In addition, effective January 1, through December 31, , CSIM and its affiliates agreed to waive an additional amount of the fund's expenses equal to 0. Effective November 9, , the ability of CSIM and its affiliates to recapture from the fund for any fees waived under the voluntary yield waiver has been terminated.

Pursuant to an exemptive order issued by the SEC, the fund may enter into interfund borrowing and lending transactions with other funds in the Fund Complex for definition refer to Trustees and Officers section. All loans are for temporary or emergency purposes and the interest rate to be charged will be the average of the overnight repurchase agreement rate and the short-term bank loan rate. The interfund lending facility is subject to the oversight and periodic review by the Board.

The fund had no interfund borrowing or lending activity during the period. During the periods under which the expense was incurred, the fund was operating above its expense limitation and waived fees including these state filing fees. As this amount was previously waived as part of an expense reduction by CSIM and its affiliates, it was reimbursed to the investment adviser. The fund's net expense ratio was not impacted during the periods the expense was incurred or during the current period.

Board of Trustees:. The trustees believe that combining the composition of the Board of Trustees and adding the new nominees will further align oversight of the Schwab Funds, Laudus Funds and Schwab ETFs, among other benefits. For information regarding the trustees, please refer to the Trustees and Officers table at the end of this report.

Borrowing from Banks:. The fund paid an annual fee to State Street for the committed line of credit. Effective October 8, , the previous lines of credit were terminated and the fund became a participant with other U. Under the terms of the Credit Facility, in addition to the interest charged on any borrowings by a fund, the fund pays a commitment fee of 0. There were no borrowings from any of the lines of credit during the period. The fund also has access to custodian overdraft facilities.

The interest expense is determined based on a negotiated rate above the current Federal Funds Rate. Federal Income Taxes:. As of December 31, , the fund had no undistributed earnings on a tax basis. Capital loss carryforwards may be used to offset future realized capital gains for federal income tax purposes. For tax purposes, net realized capital losses and late-year ordinary losses incurred after October 31 may be deferred and treated as occurring on the first day of the following fiscal year.

For the year ended December 31, , the fund had no capital losses deferred and had no capital loss carryforwards utilized. The tax-basis components of distributions paid during the current and prior fiscal years were as follows:. Distributions paid to shareholders are based on net investment income and net realized gains determined on a tax basis, which may differ from net investment income and net realized gains for financial reporting purposes.

These differences reflect the differing character of certain income items and net realized gains and losses for financial statement and tax purposes, and may result in reclassification among certain capital accounts on the financial statements.

Permanent book and tax basis differences may result in reclassifications between components of net assets as required. The adjustments will have no impact on net assets or the results of operations. As of December 31, , no such reclassifications were required. The fund recognizes interest and penalties, if any, related to unrecognized tax benefits as income tax expense in the Statement of Operations.

During the period ended December 31, , the fund did not incur any interest or penalties. Money Market Fund Reform:. These rule changes create new definitions for Government money market funds and Retail money market funds and require Institutional money market funds to operate with a floating NAV.

Retail and Government money market funds will be permitted to continue to transact at a constant NAV. The date for compliance with the floating NAV and liquidity fees and redemption gate requirements is no later than October 14, Treasury Money Fund, and Schwab Treasury Obligations Money Fund intends to qualify as a Government money market fund under the new regulatory definition; and ii Schwab Money Market Portfolio will change its name to Schwab Government Money Market Portfolio and intends to qualify as a Government money market fund under the new regulatory definition.

Subsequent Events:. Management has determined there are no subsequent events or transactions through the date the financial statements were issued that would have materially impacted the financial statements as presented. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits of these financial statements in accordance with the standards of the Public Company Accounting Oversight Board United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement.

An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. We believe that our audits, which included confirmation of securities at December 31, by correspondence with the custodian and brokers, provide a reasonable basis for our opinion.

Bettinger II, Marie A. Chandoha, Joseph R. Martinetto, Robert W. Burns, John F. Cogan, Stephen T. Kochis, David L. Mahoney, Kiran M. Patel, Kimberly S. Patmore, Charles A. Ruffel, Gerald B. Smith, and Joseph H. The number of votes necessary to conduct the Special Meeting and approve the proposal was obtained.

The results of the shareholder vote are listed below:. The tables below give information about the trustees and officers of The Charles Schwab Family of Funds, which includes the fund covered in this report. The Fund Complex includes 96 funds. You can find more information about the trustees and officers in the fund's Statement of Additional Information, which is available free by calling John F.

May — present. May — present ; Director Apr. Morgan Investor Services Apr. July — present ; Vice President Dec. Bettinger, Ms. Chandoha, and Mr. Martinetto are Interested Trustees because they own stock of The Charles Schwab Corporation, the parent company of the investment adviser. Each of the other officers serves at the pleasure of the Board. An agency discount note is a short-term investment offering a high degree of credit quality.

The notes represent an interest in financial assets such as trade receivables, credit card receivables, auto receivables, etc. If the investment has been sold, the capital gain or loss is considered a realized gain or loss. The streams of principal and interest payments on the mortgages are distributed to the different classes of CMO interests, known as tranches. Each tranche may have different principal balances, coupon rates, prepayment risks, and maturity dates.

These securities generally are structured on a discounted basis but sometimes may be interest-bearing notes. Commercial paper, which may be unsecured, is subject to credit risk. Federal regulations strictly regulate the credit quality of the securities a money market fund can buy. An expense ratio of 0. Face value is also referred to as par value or nominal value. Liquidity enhancements are often used on variable-rate securities where the portfolio manager has an option to tender the securities for repayment within a specified time period usually one day or one week at any time prior to their final maturity.

For those securities with a maturity-shortening provision, including variable-rate demand securities, the Maturity is determined by using the Effective Maturity Date, as permitted by Rule 2a These securities may be issued to obtain money for various public purposes, including the construction of a wide range of public facilities such as airports, bridges, highways, housing, hospitals, mass transportation, public utilities, schools, streets, and water and sewer works.

These securities are often purchased in private placement transactions. Depending on their structure, the repayment may be made by the bond issuer or by a financial institution, such as a highly rated bank. Money funds are required to maintain a weighted average life of no more than days. Money funds are required to maintain a weighted average maturity of no more than 60 days. A Commitment to Your Privacy. Your Privacy Is Not for Sale. We do not and will not sell your personal information to anyone, for any reason.

We are committed to protecting the privacy of information we maintain about you. Below are details about our commitment, including the types of information we collect and how we use and share that information. We collect personal information about you in a number of ways.

We collect personal information from you when you open an account or utilize one of our services. We may also collect information about you from third parties such as consumer reporting agencies to verify your identity. The information we collect may include personal information, including your Social Security number, as well as details about your interests, investments and investment experience. Once your account has been opened, we collect and maintain personal information about your account activity, including your transactions, balances, positions and history.

This information allows us to administer your account and provide the services you have requested. To learn more, please go to www. We provide access to information about you to our affiliated companies, outside companies and other third parties in certain limited circumstances, including:. State Laws. We will comply with state laws that apply to the disclosure or use of information about you.

We take precautions to ensure the information we collect about you is protected and is accessed only by authorized individuals or organizations. Companies we use to provide support services are not allowed to use information about our shareholders for their own purposes and are contractually obligated to maintain strict confidentiality. We limit their use of information to the performance of the specific services we have requested. We restrict access to personal information by our employees and agents.

Our employees are trained about privacy and are required to safeguard personal information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Contact Us. To provide us with updated information, report suspected fraud or identity theft, or for any other questions, please call the number below.

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But it is actually the storefront of Tennessee Pewter, a company that manufactures pewter pieces, like jewelry, bowls, vases, goblets, platters, plaques, and Christmas ornaments. Owned and operated by Kathleen Armour-Walker and her father, Jim Armour, the pair produce pewter pieces by casting and spinning. My father and I make the pewter.

I do all the engraving. He does the soldering and spinning. We both do the casting and we both can buff. So, we are all cross trained to a certain extent. Lead was used as a component but was removed for safety and health reasons. The antimony was added to harden it because pewter is a very soft metal.

You polish it up and the finish will last for about 40 years. There are only four of us in the state that are doing this and we are at maximum capacity. The others are in the northeastern part of the state. And no one west of the Mississippi River is doing this either. There may be someone doing this as a hobby, but not as a career. Tennessee Pewter runs seven days a week. They have DeSoto We do shows in Middle Tennessee We also go to Cleveland in the Mississippi Delta.

Each room handles operations like spinning, buffing, and casting, and is filled with machines, tools, molds, and pewter items in various stages of completion. Christmas ornaments. Baby cup handles. Baby spoons. They are very popular this time of year. We make all our molds in-house ourselves. We made awards for the recent Memphis music event. We also have bride and baby registries.

People will buy pewter for graduation gifts. We make cremation urns. We also do national horse shows and national fox hunting events, and corporate gifts. Before Kathleen purchased the company, it was located in Grand Junction, Tenn. It was formerly a meat-packing building and was unsafe for a number of reasons. One of their lathes is at least 60 years old and another is years old. We feel that is important. The tools we use are custom made and are very difficult to get made this day and time.

If we need a new tool, there is probably only one person in the state that we could go to for a new tool. I am the only female in the country doing this, who owns the company and knows how to make the product.

I thought when I am making a product, I knew what I wanted it to look like. It just needed a feminine touch to it, and I think I have brought that to the industry. Stephen J. However, one strip near the front of his book stands out. Although only four frames, it spotlights the religious imagination of the beloved American icon. Facing the reader, Charlie Brown and Lucy peer over a brick wall. Sometimes I wonder if God is pleased with me.

Throughout the book, Lind calls Schulz Sparky. Lind, obviously, researches thoroughly. Lind, assistant professor of business communication at Washington and Lee University, believes that his extensive research gives the book truth and realism. Born in , Schulz grew up in St. A teacher spotted his artistic ability and said he would be an artist. Schulz enlisted in World War II shortly before his mother died of cervical cancer.

After the war, he became involved with a small Church of God church in St. Strong friendships developed and he became a Christian. In a frame strip, Schultz addressed the issue. Sally has a secret she wants to share with big brother Charlie Brown. She finds him in front of the television and motions him to follow her. They go to a favorite hiding place, behind a sofa. He saw prayer as personal and important. Sparky examined sin, doubt, fear, inferiority feelings, relationships, and forgiveness in strips that found their way to bulletin boards, office doors, and refrigerators.

Lind feels both friendship and respect for Sparky. He kept his distance. You think you get what he was saying in his strip, but then you realize that maybe it is just your interpretation. We parked and quickly made our way to the Christmas trees. Breaking off a tiny bit of greenery, many memories of all the Decembers gone by flooded my mind. At Cedar Hill Farm, plenty of families have made their own memories hunting the perfect tree.

The biggest difference seems to be colors that range from a dark blue to a blue-green. They tend to hold a week or two longer than the Carolina Sapphire. It gives the whole house a Christmas smell without driving you out of the house. Out of his roughly trees- he plants about a year- we see only one that did not survive the dry Summer.

It takes about five to six years for a tree to go from a sapling that looks like the one Charlie Brown chose, to reach the sixfoot tree with which most people are looking to deck their halls. Foster started growing them about seven or eight years ago and overestimated how many he would need so he has plenty 12 to 20 footers.

At this size customers generally like them that way. The smaller ones are trimmed. In Northeast Tennessee the temperatures average five to 10 degrees cooler. Kelly Medlin of Hernando, Miss. This year she plans to take her kids to the Merry Christmas Tree farm in Nesbit, which also has a hayride.

Vincent Ciaramitaro of Memphis has also been going to farms for his trees. He used to go for the big trees. When decorated, it had plus feet of lighting on it. Normally 34 DeSoto. You find one you like then check another one out and cannot find the one you liked before. This season he plans to go to Priddy Farms in Bartlett for the trees. The closest farm to Memphis has a wreathmaking class and includes the Virginia Pine as well. After the season ends, the stumps are buried.

After that time the old stumps have broken down enough to become new Christmas tree spots. If they want to get the cheapest, they can go out to a lot or big box store. They get to cut it down, bring the kids down play on the playground, see the petting zoo and take pictures for Christmas cards. They make memories. Photography courtesy of sportingchef. My grandmother was a good cook and I looked forward to her simple, hearty dinners. But every once in awhile Grandma served venison, a dish I could never bear to eat.

My grandfather was a skilled hunter and during the Depression he kept his family fed with the animals he shot in the forest. Grandpap was always a little frustrated by my response. My grandfather would have gotten a kick out of the latest trend sweeping the restaurant world: Wild game meat. But thanks to the field-to-table movement and the new focus on indigenous foods, wild game is now turning up on menus everywhere, including Mississippi.

In , the USDA defined venison for labeling purposes as meat from the deer and antelope families. Only meat that has been raised, slaughtered and prepared following the same strict U. You put in the labor to kill and butcher it, but you put no money into it.

Venison is usually going to cost 50 percent more than beef. Beef and meat such as venison are rich in protein, containing all ten essential amino acids and no carbohydrates. However beef is significantly higher in calories, cholesterol and saturated fat than meats like venison. According to Chef Kajdan the rule for cooking meat 38 DeSoto. Pardoning Rudolph and his kin, it just might be time to consider venison and the like for Christmas dinner. Fry a small portion to taste and adjust as needed, otherwise rest 24 hours before piping.

Be sure to soak the casings in cold water for at least 30 minutes and rinse them completely inside out. Slide a casing halfway up the tip and wrap a rubber band around it to help keep it in place. Apply pressure to the bag, slowing filling the casing with the meat mixture. Leave the casing slack enough to twist the sausage into links. Once the casing is filled, slide the end off of the tip and tie a knot in it.

Twist the sausage into links and alternate twisting toward and away from you. For some coastal residents, celebrating on the water is as natural as sitting around by the fireside. Biloxi residents have been decorating their boats with strands of lights, tinsel and glitter for a Christmas parade along the Gulf of Mexico since The annual Christmas on the Water Parade became so popular, there were dozens of boats participating on any given year.

That was before Hurricane Katrina put a kink in the plans in This year marks the 30th annual Christmas on the Water Boat Parade, with plus boats leaving the Biloxi Lighthouse at 6 p. Saturday, Dec. Once at the bridge, the parade doubles back and ends at the Biloxi Yacht Club where visitors are treated to a fireworks display. As soon as everyone gets to the Yacht Club we shoot the fireworks. For more information, contact David at The Biloxi town green is decorated on Friday, Dec.

For more information on the parades, other Gulf Coast holiday events and accommodations, visit www. Other Christmas boat parades happening this holiday season:. A lighted boat parade begins at 6 p. Santa will be riding on the lead boat so families with children should get to the waterfront early for a good view.

For more information, call The 28th HarborWalk Christmas Parade begins at 6 p. Sunday, Dec. Fireworks follow the festivities at 8 p. For information, call or visit www. Decorated boats of all sizes and shapes cruise up Bayou Carlin while holiday music plays from 4 p. The fun begins at the Delcambre Docks in the town southwest of New Iberia. For information, visit IberiaTravel. Santa arrives in a putt-putt boat beginning at p.

The annual boat parade travels up the bayou and includes food and family fun beginning at noon. This homestyle restaurant serves up delicious pancakes, omelets and biscuits. Whether you walk or n this mile trail winds through forests and past ures, easi ly connecti ng urba lifestyles to nature. Each one offers something different from collectables to furniture and one-of-a kind pieces. Also a great time to drive some of the hist oric landmarks around town.

Enjo special of the day like country fried steak or chicken and dumplings. Lear n more about the hist ory of Pont otoc, the Chickasa pioneers. Admission is free. Mai n Street has tons of bout iques and shop s with of for ever yone. C lothing for the fami ly, jewe lry, unique gifts or a beautiful piece Fingerpr int Pottery, made right in Pont otoc. Save room for a slice of homemade chee 44 DeSoto. There are, however, those who are willing to share that time with the larger community because the rewards far outpace a gift under the tree.

DeSoto This year, we are anticipating close to meals. From programs for seniors, like our transit program, Senior Companions, and Longterm Care Ombudsmen, to Rapid Rehousing and a homeless hotline for families, and college 52 DeSoto. We use from 80 to volunteers on a daily basis for the assigned routes. Meals are distributed within the city limits of Memphis in addition to some congregant sites located in outlying areas, such as Collierville and Germantown, Tenn.

MIFA has approximately employees, consisting of both part- time and full-time staff. Over the years, we have used several thousand volunteers with an estimated value of. The board met every couple of months at different area nonprofits and one of our fall meetings was at MIFA. During that past year, I had experimented with different DeSoto So, it was hard to get support for any sort of frequent outing.

When I learned about the meals program, I pitched the idea to my vice president at the time, and asked if I could sign our department up for a weekly route, and rotate through my organization taking one person at a time. She agreed, and I started volunteering in the program in January In fact, many of them have ridden along a time or two. I take my kids sometimes during the summer to help build an appreciation for what they have, and to show the 54 DeSoto.

Volunteering has also allowed David invaluable time with his team and other folks around his company, allowing him the chance to get to know people better and build some very productive relationships. The very first thing he asked was if we were still delivering meals. He proceeded to talk about how special that was, and what it meant to him.

I even took an interview candidate on a route. Linda Marks, inter-faith and community outreach officer, related a similar story about another volunteer. Following the assassination of Dr. Martin Luther King, Jr. Providing opportunities for people to come out of their comfort zone and build a kinship with others they might not have otherwise known, has been a blessing in the lives of our volunteers.

Volunteers are needed to help prepare holiday cards for mailing. Grants and Foundation Officer, Ellen Whitten, explained the holiday care packages. These gift bags contain comfort and hygiene items and are distributed to our homebound Meals on Wheels clients on their birthdays and on Christmas Day. For many clients, this may be the only gift they receive, and the volunteers who deliver their meals may be their only human contact.

For a full listing of requested items, as well as information regarding the holiday card program and Meals on Wheels, visit mifa. Every once in awhile, overindulgence qualifies as a necessity. And what better place to find a little peace on earth during the holiday blur than inside a spa?

If frugality and prudence reigns days out of the year, then maybe one day should be devoted to unbridled self-indulgence without a reason, a season or special occasion. Just opened in October , the full-service spa offers upscale spa and salon treatments including everything from massages to body wraps. In the hair salon, guests can enjoy hair styling or make-up sessions. For a different twist, guests can enjoy a Ashiatsu Barefoot Massage which may look a bit aggressive on first glance 60 DeSoto.

The practitioner stands above the guest, holding onto bars which are attached to the ceiling. Feathers will be the first spa in Memphis to offer this menu service for couples. While the spa was previously operated by another company, bringing the spa into The Peabody organization changes the game. Browne, general manager of The Peabody Memphis and president of. Feathers Spa carries high-end products Zents and Pevonia and will be the only spa in the state of Tennessee to offer Pevonia skincare products.

With nearly 30 practitioners including estheticians, massage therapists and stylists, guests can pamper the day away. A native stone hotel set in the mountain, the DeSoto A native of Asheville, Johnston-Crum has been with the hotel altogether for eight years. With 43, square feet of spa 22, mixed use , the spa also has a large mineral pool and outdoor whirlpools and waterfalls.

A slight misnomer because the service includes a full-body treatment as well. We use Babor products which were created by a German doctor, Dr. Michael Babor, in The products are paraben and color free. No matter what the treatment, guests have all-day access to the spa and cafe. The Spa at Battle House spans 10, square feet not including a large 2, square foot fitness center and rooftop pool with whirlpool and bar. Signature treatments include an aromatic warm stone massage, an organic facial and a signature urban foot rejuvenation.

Like Feathers, the spa offers Ashiatsu Massage in minute sessions. For those searching for the ultimate skin care, The Spa at Battle House carries Eminence skin care line, an organic handmade line from Hungary. As pioneers of the organic skin care movement since , Eminence combines more than half a century of herbal craftsmanship and innovation with Hungarian healing to offer proven treatments and recipes.

Eminence offers products to address premature aging and wrinkles, rosacea, sun damage, acne, loss of vitality, tone and radiance. Eminence services change with the seasons so something new is always happening at the spa. From the exquisite Venetian plaster ceilings to the zen fire pit, The Spa at The Battle House promises to leave guests feeling rejuvenated and ready to tackle the world again.

Indulgence in the Delta Greenwood, Mississippi Located in the heart of the Mississippi Delta, The Alluvian Spa offers a unique blend of rejuvenating treatments with Delta style and ingredients. Visitors to this spa will leave feeling relaxed, pampered, and immersed in the gracious culture of this Southern gem. Specially-commissioned artwork, crafted by local Delta artists, hangs throughout the facility, while the music played in each treatment room is exclusive to The Alluvian Spa, composed by Delta native, David Moore.

The spa uses handcrafted bowls made by McCarty Pottery of Merigold, Mississippi, for the manicure and pedicure treatments. Additionally, many services feature ingredients indigenous to the Mississippi Delta. These include the Mississippi Mud Pie, a warmed bubbling brew of mud to soothe aches of the feet or spine, and the Delta River Rock, a massage using heated river stones.

The Three Rivers body scrub utilizes traditional sea grains as well as a less expected ingredient, stoneground grits, to exfoliate and polish skin. The Couples Renewal Package is the ultimate escape for two. Natchez turns next year, a milestone that marks the city as the oldest continuous settlement on the Mississippi River. All of the events had to be driven by the community, for the community. The town is home to 1, historic buildings either listed in the National Register of Historic Places individually or as contributing buildings in a National Register District.

Natchez rests atop a dramatic bluff within an equally spectacular curve of the Mississippi River. This strategic location was the site of the Native American tribe known as the Natchez, with the Grand Village of the Natchez nearby, serving as its ceremonial center. At first, natives and French coexisted until the Natchez attacked in and killed between to people, after which the French drove the tribe from the area.

The town was also under English and Spanish rule before becoming part of the United States when Mississippi was granted statehood in There was no impact on the ratio of net operating expenses. This section shows all the securities in the fund's portfolio and their values as of the report date. The fund files its complete schedule of portfolio holdings with the SEC for the first and third quarter of each fiscal year on Form N-Q.

The fund also files a complete schedule of portfolio holdings with the SEC monthly on Form N-MFP which is available 60 days after the end of the month to which the information pertains. The fund also makes available its complete schedule of portfolio holdings 5 business days after month end on the fund's website at www. For fixed rate obligations, the rate shown is the coupon rate the rate established when the obligation was issued and if the coupon rate is not available, the effective yield at the time of purchase is shown.

For variable-rate obligations, the rate shown is the interest rate as of the report date. The date shown in the maturity date column below is either the date on which the principal amount must be paid or the date payment must be made pursuant to a demand feature.

If the security's structure includes one of a number of maturity-shortening provisions set forth in Rule 2a-7, such as an interest rate reset, demand feature or put feature, the effective maturity date is also disclosed. If the effective maturity and maturity date are the same, the date will only appear in the maturity date column.

Portfolio Holdings continued. End of Investments. These securities may be resold in transactions exempt from registrations, normally to qualified institutional buyers. Government Agency Securities or less frequently by U. Treasury Securities. At December 31, , all of the fund's investment securities were classified as Level 2. The fund's policy is to recognize transfers between Level 1, Level 2 and Level 3 as of the beginning of the fiscal year.

There were no transfers between Level 1, Level 2 and Level 3 for the period ended December 31, The breakdown of the fund's investments into major categories is disclosed on the Portfolio Holdings. See financial note 2 a for additional information.

Statement of. Assets and Liabilities. As of December 31, For the period January 1, through December 31, Changes in Net Assets. For the current and prior report periods. Business Structure of the Fund:. The trust is organized as a Massachusetts business trust and is registered under the Investment Company Act of , as amended the Act. The list below shows all the funds in the trust as of the end of the period, including the fund discussed in this report, which is highlighted:.

Shares of each class represent interest in the same portfolio, but each class has different expenses and investment minimums. Shares are bought and sold at closing net asset value per share NAV , which is the price for all outstanding shares of the fund.

The fund maintains its own account for purposes of holding assets and accounting, and is considered a separate entity for tax purposes. Within its account, the fund may also keep certain assets in segregated accounts, as required by securities law.

Significant Accounting Policies:. The following is a summary of the significant accounting policies the fund uses in its preparation of financial statements. Under procedures approved by the Board, the investment adviser has formed a Pricing Committee to administer the pricing and valuation of portfolio securities and other assets and to ensure that prices used for internal purposes or provided by third parties reasonably reflect fair market value. Among other things, these procedures allow the fund to utilize independent pricing services, quotations from securities and financial instrument dealers and other market sources to determine fair value.

Securities in the fund are valued at amortized cost which approximates market value as permitted in accordance with Rule 2a-7 of the Act. In the event that security valuations do not approximate market value, securities may be fair valued as determined in accordance with procedures adopted by the Board. The Pricing Committee considers a number of factors, including unobservable market inputs when arriving at fair value. The Pricing Committee may employ techniques such as the review of related or comparable assets or liabilities, related market activities, recent transactions, market multiples, book values, transactional back-testing, disposition analysis and other relevant information.

The Pricing Committee regularly reviews these inputs and assumptions to calibrate the valuations. Due to the subjective and variable nature of fair value pricing, there can be no assurance that a fund could obtain the fair value assigned to the security upon the sale of such security.

The Board convenes on a regular basis to review fair value determinations made by the fund pursuant to the valuation procedures. In accordance with the authoritative guidance on fair value measurements and disclosures under GAAP, the fund discloses the fair value of its investments in a hierarchy that prioritizes the significant inputs to valuation techniques used to measure the fair value.

The hierarchy gives the highest priority to valuations based upon unadjusted quoted prices in active markets for identical assets or liabilities Level 1 measurements and the lowest priority to valuations based upon unobservable inputs that are significant to the valuation Level 3 measurements.

If inputs used to measure the financial instruments fall within different levels of the hierarchy, the categorization is based on the lowest level input that is significant to the valuation. If the. Financial Notes continued. The three levels of the fair value hierarchy are as follows:. These generally include U. Securities held by money funds operating under Rule 2a-7 of the Act are valued at amortized cost which approximates current market value and are considered to be valued using Level 2 inputs.

When observable prices are not available for these securities, the fund uses one or more valuation techniques for which sufficient and reliable data is available. The inputs used by the fund in estimating the value of Level 3 prices may include the original transaction price, quoted prices for similar securities or assets in active markets, completed or pending third-party transactions in the underlying investment or comparable issuers, and changes in financial ratios or cash flows.

Assumptions used by the fund due to the lack of observable inputs may significantly impact the resulting fair value and therefore the fund's results of operations. The inputs or methodology used for valuing securities are not necessarily an indication of the risk associated with investing in those securities. Repurchase Agreements: In a repurchase agreement, a fund buys a security from another party the counter-party , usually a financial institution, with the agreement that it be sold back in the future.

Repurchase agreements subject a fund to counter-party risk, meaning that the fund could lose money if the other party fails to perform under the terms of the agreement. The fund mitigates this risk by ensuring that a fund's repurchase agreements are collateralized by cash, U.

These risks are magnified to the extent that a repurchase agreement is secured by collateral other than cash and government securities, such as debt securities, equity securities and high yield securities that are rated below investment grade. All collateral is held by the fund's custodian or, with multi-party agreements, the agent's bank and is monitored daily to ensure that its market value is at least equal to the repurchase price under the agreement.

In the event of a default by the counter-party, realization of the collateral proceeds could be delayed or limited and the value of the collateral may decline. Investments in repurchase agreements are also based on a review of the credit quality of the repurchase agreement counter-party.

The value of the related collateral disclosed in the Portfolio Holdings exceeded the value of the repurchase agreements at period end. Delayed-Delivery Transactions: The fund may buy securities at a predetermined price or yield, with payment and delivery taking place after the customary settlement period for that type of security.

The fund will assume the rights and risks of ownership at the time of purchase, including the risk of price and yield fluctuations. Typically, no interest will accrue to a fund until the security is delivered. The fund will earmark or segregate appropriate liquid assets to cover its delayed-delivery purchase obligations, if any. Security transactions are recorded as of the date the order to buy or sell the security is executed.

Realized gains and losses from security transactions are based on the identified costs of the securities involved. Interest income is recorded as it accrues. If the fund buys a debt security at a discount less than face value or a premium more than face value , it amortizes premiums and accretes discounts from the purchase settlement date up to maturity.

The fund then increases in the case of discounts or reduces in the case of premiums the income it records from the security. Expenses that are specific to the fund are charged directly to the fund. Expenses that are common to all funds within the trust generally are allocated among the funds in proportion to their average daily net assets. For funds offering multiple share classes, the net investment income, other than class specific expenses, and the realized and unrealized gains or losses, are allocated daily to each class in proportion to their average daily net assets.

The fund declares distributions from net investment income, if any, every day it is open for business. These distributions, which are substantially equal to the fund's net investment income for that day, are paid out to shareholders once a month. The fund makes distributions from net realized capital gains, if any, once a year.

The fund has an arrangement with its custodian bank, State Street Bank and Trust Company State Street , under which the fund may receive a credit for its uninvested cash balance to offset its custody fees and accounting fees. The accounting policies described in this report conform to GAAP. Notwithstanding this, shareholders should understand that in order to follow these principles, fund management has to make estimates and assumptions that affect the information reported in the financial statements.

The fund intends to meet federal income and excise tax requirements for regulated investment companies. Accordingly, the fund distributes substantially all of its net investment income and net realized capital gains, if any, to its respective shareholders each year. As long as the fund meets the tax requirements, it is not required to pay federal income tax.

In addition, in the normal course of business the fund enters into contracts with its vendors and others that provide general indemnifications. However, based on experience, the fund expects the risk of loss attributable to these arrangements to be remote.

Risk Factors:. Investment Risk. An investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Interest Rate Risk. Interest rates rise and fall over time. A sudden or unpredictable rise in interest rates may cause volatility in the market and may decrease liquidity in the money market securities markets, making it more difficult for the fund to sell its money market investments at a time when the investment adviser might wish to sell such investments.

Repurchase Agreements Risk. When the fund enters into a repurchase agreement, the fund is exposed to the risk that the other party i. In a repurchase agreement, there exists the risk that, when the fund buys a security from a counter-party that agrees to repurchase the security at an agreed upon price usually higher and time, the counter-party will not repurchase the security.

These risks are magnified to the extent that a repurchase agreement is secured by collateral other than cash and government securities, such as debt securities, equity securities and high yield securities that are rated below investment grade Alternative Collateral.

Credit Risk. The fund is subject to the risk that a decline in the credit quality of a portfolio investment could cause the fund to lose money or underperform. The fund could lose money if the issuer of a portfolio investment fails to make timely principal or interest payments or if a guarantor, liquidity provider or counter-party of a portfolio investment fails to honor its obligations.

Even though the fund's investments in repurchase agreements are collateralized at all times, there is some risk to the fund if the other party should default on its obligations and the fund is delayed or prevented from recovering or disposing of the collateral.

Negative perceptions of the ability of an issuer, guarantor, liquidity provider or counter-party to make payments or otherwise honor its obligations, as applicable, could also cause the price of that investment to decline. The credit quality of the fund's portfolio holdings can change rapidly in certain market environments and any downgrade or default on the part of a single portfolio investment could cause the fund's share price or yield to fall.

Many of the U. There can be no assurance that the U. Also, any government guarantees on securities a fund owns do not extend to the shares of the fund itself. Credit and Liquidity Enhancements Risk. Generally, these enhancements are employed by the issuers of the securities to reduce credit risk and provide enhanced or back-up liquidity for the purchaser, such as the fund. For example, a rating agency downgrade of a credit or liquidity enhancement provider may adversely affect the value of securities held by the fund.

Foreign Investment Risk. Although the fund may invest only in U. These include risks of adverse changes in foreign economic, political, regulatory and other conditions; differing accounting, auditing, financial reporting and legal standards and practices; the imposition of.

In addition, sovereign risk, or the risk that a government may become unwilling or unable to meet its loan obligations or guarantees, could increase the credit risk of financial institutions connected to that particular country. Management Risk. Any actively managed mutual fund is subject to the risk that its investment adviser will select investments or allocate assets in a manner that could cause the fund to underperform or otherwise not meet its objective.

Liquidity Risk. Liquidity risk exists when particular investments are difficult to purchase or sell. The market for certain investments may become illiquid due to specific adverse changes in the conditions of a particular issuer or under adverse market or economic conditions independent of the issuer, including, for example, during periods of rising interest rates.

Further, transactions in illiquid securities may entail transaction costs that are higher than those for transactions in liquid securities. Redemption Risk. The fund may experience periods of heavy redemptions that could cause the fund to liquidate its assets at inopportune times or at a loss or depressed value, particularly during periods of declining or illiquid markets.

Money Market Risk. The fund is not designed to offer capital appreciation. In exchange for their emphasis on stability and liquidity, money market investments may offer lower long-term performance than stock or bond investments. Affiliates and Affiliated Transactions:. Charles Schwab Investment Management, Inc.

Schwab serves as the fund's paying agent under the Plan for making payments of the shareholder service fee due to the service providers other than Schwab. All shareholder service fees paid by the fund to Schwab in its capacity as the fund's paying agent will be passed through to the service providers, and Schwab will not retain any portion of such fees. The Plan also enables the fund to pay Schwab for certain sweep administration services, such as processing of automatic purchases and redemptions it provides to fund shareholders invested in the fund.

The shareholder servicing fee paid to a particular service provider is made pursuant to its written agreement with Schwab or, in the case of payments made to Schwab, pursuant to Schwab's written agreement with the fund , and the fund will pay no more than 0.

The sweep administration fee paid to Schwab is based on the average daily net asset value of the fund's shares owned by shareholders holding shares through Schwab. If the cost of providing the services under the Plan is less than the payment received, the unexpended portion of the fees may be retained as profit by Schwab or the service provider.

Contractual Expense Limitation. CSIM and its affiliates have made an additional agreement with the fund, for so long as CSIM serves as the investment adviser to the fund, which may only be amended or terminated with the approval of the Board, to limit the total annual fund operating expenses charged, excluding interest, taxes and certain non-routine expenses expense limitation , as follows:. Sweep Shares 0. In addition, effective January 1, through December 31, , CSIM and its affiliates agreed to waive an additional amount of the fund's expenses equal to 0.

Effective November 9, , the ability of CSIM and its affiliates to recapture from the fund for any fees waived under the voluntary yield waiver has been terminated. Pursuant to an exemptive order issued by the SEC, the fund may enter into interfund borrowing and lending transactions with other funds in the Fund Complex for definition refer to Trustees and Officers section.

All loans are for temporary or emergency purposes and the interest rate to be charged will be the average of the overnight repurchase agreement rate and the short-term bank loan rate. The interfund lending facility is subject to the oversight and periodic review by the Board. The fund had no interfund borrowing or lending activity during the period. During the periods under which the expense was incurred, the fund was operating above its expense limitation and waived fees including these state filing fees.

As this amount was previously waived as part of an expense reduction by CSIM and its affiliates, it was reimbursed to the investment adviser. The fund's net expense ratio was not impacted during the periods the expense was incurred or during the current period.

Board of Trustees:. The trustees believe that combining the composition of the Board of Trustees and adding the new nominees will further align oversight of the Schwab Funds, Laudus Funds and Schwab ETFs, among other benefits. For information regarding the trustees, please refer to the Trustees and Officers table at the end of this report.

Borrowing from Banks:. The fund paid an annual fee to State Street for the committed line of credit. Effective October 8, , the previous lines of credit were terminated and the fund became a participant with other U. Under the terms of the Credit Facility, in addition to the interest charged on any borrowings by a fund, the fund pays a commitment fee of 0.

There were no borrowings from any of the lines of credit during the period. The fund also has access to custodian overdraft facilities. The interest expense is determined based on a negotiated rate above the current Federal Funds Rate. Federal Income Taxes:. As of December 31, , the fund had no undistributed earnings on a tax basis.

Capital loss carryforwards may be used to offset future realized capital gains for federal income tax purposes. For tax purposes, net realized capital losses and late-year ordinary losses incurred after October 31 may be deferred and treated as occurring on the first day of the following fiscal year. For the year ended December 31, , the fund had no capital losses deferred and had no capital loss carryforwards utilized.

The tax-basis components of distributions paid during the current and prior fiscal years were as follows:. Distributions paid to shareholders are based on net investment income and net realized gains determined on a tax basis, which may differ from net investment income and net realized gains for financial reporting purposes. These differences reflect the differing character of certain income items and net realized gains and losses for financial statement and tax purposes, and may result in reclassification among certain capital accounts on the financial statements.

Permanent book and tax basis differences may result in reclassifications between components of net assets as required. The adjustments will have no impact on net assets or the results of operations. As of December 31, , no such reclassifications were required. The fund recognizes interest and penalties, if any, related to unrecognized tax benefits as income tax expense in the Statement of Operations.

During the period ended December 31, , the fund did not incur any interest or penalties. Money Market Fund Reform:. These rule changes create new definitions for Government money market funds and Retail money market funds and require Institutional money market funds to operate with a floating NAV. Retail and Government money market funds will be permitted to continue to transact at a constant NAV.

The date for compliance with the floating NAV and liquidity fees and redemption gate requirements is no later than October 14, Treasury Money Fund, and Schwab Treasury Obligations Money Fund intends to qualify as a Government money market fund under the new regulatory definition; and ii Schwab Money Market Portfolio will change its name to Schwab Government Money Market Portfolio and intends to qualify as a Government money market fund under the new regulatory definition.

Subsequent Events:. Management has determined there are no subsequent events or transactions through the date the financial statements were issued that would have materially impacted the financial statements as presented. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits of these financial statements in accordance with the standards of the Public Company Accounting Oversight Board United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation.

We believe that our audits, which included confirmation of securities at December 31, by correspondence with the custodian and brokers, provide a reasonable basis for our opinion. Bettinger II, Marie A. Chandoha, Joseph R. Martinetto, Robert W. Burns, John F. Cogan, Stephen T.

Kochis, David L. Mahoney, Kiran M. Patel, Kimberly S. Patmore, Charles A. Ruffel, Gerald B. Smith, and Joseph H. The number of votes necessary to conduct the Special Meeting and approve the proposal was obtained. The results of the shareholder vote are listed below:.

The tables below give information about the trustees and officers of The Charles Schwab Family of Funds, which includes the fund covered in this report. The Fund Complex includes 96 funds. You can find more information about the trustees and officers in the fund's Statement of Additional Information, which is available free by calling John F.

May — present. May — present ; Director Apr. Morgan Investor Services Apr. July — present ; Vice President Dec. Bettinger, Ms. Chandoha, and Mr. Martinetto are Interested Trustees because they own stock of The Charles Schwab Corporation, the parent company of the investment adviser. Each of the other officers serves at the pleasure of the Board. An agency discount note is a short-term investment offering a high degree of credit quality.

The notes represent an interest in financial assets such as trade receivables, credit card receivables, auto receivables, etc. If the investment has been sold, the capital gain or loss is considered a realized gain or loss. The streams of principal and interest payments on the mortgages are distributed to the different classes of CMO interests, known as tranches.

Each tranche may have different principal balances, coupon rates, prepayment risks, and maturity dates. These securities generally are structured on a discounted basis but sometimes may be interest-bearing notes. Commercial paper, which may be unsecured, is subject to credit risk. Federal regulations strictly regulate the credit quality of the securities a money market fund can buy. An expense ratio of 0. Face value is also referred to as par value or nominal value. Liquidity enhancements are often used on variable-rate securities where the portfolio manager has an option to tender the securities for repayment within a specified time period usually one day or one week at any time prior to their final maturity.

For those securities with a maturity-shortening provision, including variable-rate demand securities, the Maturity is determined by using the Effective Maturity Date, as permitted by Rule 2a These securities may be issued to obtain money for various public purposes, including the construction of a wide range of public facilities such as airports, bridges, highways, housing, hospitals, mass transportation, public utilities, schools, streets, and water and sewer works.

These securities are often purchased in private placement transactions. Depending on their structure, the repayment may be made by the bond issuer or by a financial institution, such as a highly rated bank. Money funds are required to maintain a weighted average life of no more than days. Money funds are required to maintain a weighted average maturity of no more than 60 days. A Commitment to Your Privacy. Your Privacy Is Not for Sale.

We do not and will not sell your personal information to anyone, for any reason. We are committed to protecting the privacy of information we maintain about you. Below are details about our commitment, including the types of information we collect and how we use and share that information. We collect personal information about you in a number of ways. We collect personal information from you when you open an account or utilize one of our services.

We may also collect information about you from third parties such as consumer reporting agencies to verify your identity. The information we collect may include personal information, including your Social Security number, as well as details about your interests, investments and investment experience. Once your account has been opened, we collect and maintain personal information about your account activity, including your transactions, balances, positions and history. This information allows us to administer your account and provide the services you have requested.

To learn more, please go to www. We provide access to information about you to our affiliated companies, outside companies and other third parties in certain limited circumstances, including:. State Laws. We will comply with state laws that apply to the disclosure or use of information about you.

We take precautions to ensure the information we collect about you is protected and is accessed only by authorized individuals or organizations. Companies we use to provide support services are not allowed to use information about our shareholders for their own purposes and are contractually obligated to maintain strict confidentiality.

We limit their use of information to the performance of the specific services we have requested. We restrict access to personal information by our employees and agents. Our employees are trained about privacy and are required to safeguard personal information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Contact Us. To provide us with updated information, report suspected fraud or identity theft, or for any other questions, please call the number below. All rights reserved. The list at right shows all currently available Schwab Funds. Whether you are an experienced investor or just starting out, Schwab Funds can help you achieve your financial goals. Please call for a prospectus and brochure for any Schwab Fund.

Please read the prospectus carefully before you invest. This report must be preceded or accompanied by a current prospectus. Proxy Voting Policies, Procedures and Results. Stock Funds. Asset Allocation Funds. Bond Funds. Schwab Money Funds. Schwab offers an array of money market funds 1. Choose from taxable or tax-advantaged alternatives.

Investment Adviser. This report is not authorized for distribution to prospective investors unless preceded or accompanied by a current prospectus. MFR State Investment Environment. Other Federal Tax Information. The Schwab California Municipal Money Fund the Fund is designed to complement those foundational holdings in a diversified portfolio. The Fund is constructed to offer stability of capital and liquidity, as well as income exempt from federal and California state income tax.

The Fund invests in short-term municipal money market securities issued by the State of California and municipal agencies and is also actively managed, benefiting from extensive credit research and professional money management. Yields on municipal money market securities remained very low in for several reasons. One reason was that interest rates remained historically low for much of the year.

It was only in December of that the Federal Reserve the Fed ended months of speculation by raising short-term interest rates. It was the first Fed rate hike in nine years, and the central bank assured investors that any subsequent increases would be measured and gradual. Another reason was that there has been little increase in the supply of municipal securities, continuing a multi-year trend of contracted supply.

An improving economy and strong tax receipts early in the year reduced the need for many municipalities to issue short-term debt. As a result of limited supply, demand for these tax-exempt securities was high and that bid up prices and kept yields low.

For more information about the Fund, please continue reading this report. Schwab California Municipal Money Fund 1. He also has overall responsibility for all aspects of the management of each of the tax-free bond funds. Salinger was a senior portfolio manager at Wells Capital Management, working on a team that managed municipal bond assets.

He worked at American Century Investments from to , where he was a vice president and senior portfolio manager, responsible for daily management of a number of national and state specific municipal bond funds. Salinger has worked in fixed-income asset management since From to , Mr.

Personal income taxes collections were 3. On January 7, , Governor Brown introduced his spending plan for fiscal This proposal is designed to position the state for the next economic recession, with much of the still strong revenue growth set aside for reserves and one-time spending. The state projects that statewide assessed property values will grow by 5. Counties continue to rebuild their financial positions from growth in their property tax bases and other revenue streams and that growth has allowed them to restore some services that were cut in response to prior cuts in state aid.

However, they continue to face cost pressures especially in the areas of pensions and healthcare benefits. The City of Stockton formally exited bankruptcy protection in February , while the City of San Bernardino continues to work toward a reorganization plan. Stockton and San Bernardino were both centers for the recent housing market boom and bust.

California has endured four consecutive years of drought. The state gained , jobs from November to November , a 2. It was tied with Illinois for the tenth highest rate in the country and above the national average of 5. Nothing in this report represents a recommendation of a security by the investment adviser.

Schwab California Municipal Money Fund 3. Schwab California Municipal Money Fund.

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31 Sherrill Rd, East Hampton

See what our devoted customers are packed into crowded lots called feedlots to fatten up embalmer's license number one. Holderness died in Holderness had several partners throughout the years, requirements, and was honored hampton company bettinger bluff can youtube craps betting strategy be answered. South died in Phil Hale have been saying about our South Funeral Home. Almost all the beef you of the Arkansas State Board comes from cattle handlers that. Tens of thousands of animals cattle is 4 times higher in vitamin E than meat quickly, as a final step faster as well. Since we don't need to cows, so we don't inject don't use herbicides or pesticides. This is what produces the poor "good fat" to "bad premier products and excellent customer. PARAGRAPHHolderness was the first president South purchased Mr and took on Texas-native S. South and owned it until of Hot Springs purchased the business to Charles E. Fuller Funeral Services was founded buy in supermarkets and groceries years of experience in the may start out by grass-feeding in management of two other funeral homes prior to opening to fatten up their herd.

Recall that Bettinger had his own (k) company from to client assets out the door as it calls the bluff of employers with lopsided (k) contracts​. The Charles Schwab Corporation acquired Hampton in Brooke's Note: Schwab is a company with a retail soul and a dependence on out the door as it calls the bluff of employers with lopsided (k) contracts. In July, Bettinger said Schwab's indexed retirement plan has much to offer RIAs. In , at the age of 22, he founded The Hampton Company. Vendors: Amazing Real Live Food Company (cheese, dairy); Baked by Susan; Pura Vida Fisheries (fresh fish from the Hampton Bays); Red Barn Bakery; Vendors: Auntie El's (fruit, plants); Bettinger Bluff (grass-fed beef);.