Financial Tech

Slowing Markets and the Growing Middle Class – Guide Rock Weekly Market Commentary Mar-18 FT021

Like winded runners, stock markets slowed at the end of last week. Since the start of the year, the Dow Jones Industrials Index has risen by almost 11 percent, hurdling past new highs several times. The S&P 500 Index gained percent over the same period. The index moved higher in 10 of the past 11 weeks and finished last week just shy of its all-time high. However, the Dow and the S& P’s momentum – and that of some other stock markets – slowed on Friday as stronger economic data was offset by an unexpected slump in consumer sentiment. Listen Mobile:   Economists expected the Thomson Reuters/University of Michigan consumer sentiment index – which gauges Americans’ feelings about their current financial health, the health of the economy over the shorter-term, and growth prospects for the economy over the longer-term – to move higher in March. Instead, the index fell from to , reaching its lowest level since December 2011. Markets fell on the news even though the negative results contradicted those of other consumer confidence measures, such as Bloomberg’s Consumer Comfort Index which has moved higher for six consecutive weeks. The consumer sentiment surprise also pushed Treasury yields down. Yields on benchmark 10-year Treasury notes fell to 2 percent. The Treasury market remains concerned that stronger economic data could lead the Federal Reserve to change its policy on quantitative easing. The Federal Reserve’s next Open Market Committee meeting is next week, and may provide further insight to the matter. Data as of 3/15/13 1-Week Y-T-D 1-Year 3-Year 5-Year 10-Year Standard & Poor’s 500 (Domestic Stocks) 10-year Treasury Note (Yield Only) N/A Gold (per ounce) DJ-UBS Commodity Index DJ Equity All REIT TR Index Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, Barron’s, , London Bullion Market Association. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable. THE MIDDLE CLASS IS GROWING. In the United States, households that earn between $35,600 a year and $94,600 a year are considered to be middle class. That’s about 40 percent of households (another 40 percent earn less than the middle class and 20 percent earn more). Scholars and pundits have noted that job insecurity and stagnant income levels have weakened the middle class in the United States during the past few years, but that’s not what’s happening in the rest of the world. The global middle class has been growing and is expected to continue to grow over the next few decades. The Organization for Economic Development defines the global middle class as including people earning between $10 and $100 a day with purchasing power parity. (Purchasing power parity is the theory that currency exchange rates should adjust so the same goods cost the same in different countries. It’s what the Big Mac Index measures.) By 2030, according to Ernst & Young, the global middle class is expected to more than double, adding three billion new members. These up-and-comers primarily will live and work in rapidly-growing countries. As the global middle class grows so should its spending power. Between 2011 and 2030, middle class demand for goods and services is expected to increase from $21 trillion to $56 trillion. Forty percent of that spending will be done by the burgeoning middle class in Asia, including China and India. According to Forbes, these consumers are creating demand for all kinds of goods and services including cosmetics, automobiles, cell phone minutes, personal banking, and retirement planning. For many decades, consumer spending has been an important driver behind economic growth in the United States. It’s likely to play a significant role in the economic growth of emerging countries, too. As developing countries become developed countries, interesting opportunities for investment are likely to emerge. Weekly Focus – Think About It “A man who carries a cat by the tail learns something he can learn in no other way.” —Mark Twain, American author and humorist Best regards, ANDREW HUNT CFP® President of Guide Rock Capital Management, Inc. 1001 Gallup Drive Omaha, NE 68102 Communication | Woo | Achiever | Ideation | Relator   Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to be added. Securities offered through Shareholders Service Group, Member FINRA/SIPC. * This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with the named broker/dealer. * The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision. * To unsubscribe from the Guide Post please reply to this e-mail with    “Unsubscribe” in the subject line, or write us at
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Financial Tech

Mar-11 Weekly Market Commentary from Guide Rock Capital – FT020

During periods of strong market performance, like the one we’ve experienced since the end of last year, it’s important to remember that markets ebb and flow over time. Since December 31, 2012, the Dow Jones Industrial Index has gained percent and the Standard & Poor’s 500 added percent. Last week, the Dow reached highs last seen during 2007, and the S&P 500 ended the week less than one percent from its record high, which was also realized during 2007. While the strong performance of stock markets has given investors reason to smile, significant economic challenges remain. The effect of sequester spending cuts on the American public and economic growth remains relatively unknown. Also, earnings growth appears to be slowing and that could affect stock prices. (Earnings are a measure of a company’s profitability and influence its share price.) Listen Mobile:   Global markets were largely up last week, too, as investors seemed to celebrate stronger and Chinese economic data, as well as the fact that Central banks in Europe, the United Kingdom, Australia, Japan, and Canada met and left their monetary policies unchanged. In the Eurozone, economic growth remained relatively weak and inconsistent. While the European Central Bank has stepped up to help countries affected by poor demand for bonds, insufficient bank-to-business lending has negatively affected economic growth, especially in southern Europe, leaving some countries mired in recession. In the United States, yields on 10-year Treasuries rose higher last week despite Federal Reserve assurances that it will continue to pursue its current monetary policy for some time. Data as of 3/8/13 1-Week Y-T-D 1-Year 3-Year 5-Year 10-Year Standard & Poor’s 500 (Domestic Stocks) 10-year Treasury Note (Yield Only) N/A Gold (per ounce) DJ-UBS Commodity Index DJ Equity All REIT TR Index Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, Barron’s, , London Bullion Market Association. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable. IS A WEDDING IN YOUR FUTURE? IF SO, PREPARE YOURSELF. Between the planner, venue, food, flowers, cake, dress, drinks, photographer, videographer, invitations, programs, and all the rest, you’re likely to be hearing a lot of this: Ka-ching! Ka-ching! More than $50 billion is spent on weddings in the United States each year. According to the 2012 Wedding Report, the average wedding has about 133 to 143 guests and costs more than $25,000, not including the honeymoon. The good news is the average cost of a wedding in 2011 was less than the average cost in 2007. The bad news is that, according to , the cost of any wedding could increase by 50 to 100 percent if the planners choose designer labels, popular event locations, custom products and services, or if they invite significantly more guests. Here are a few tips that may help ensure wedding costs don’t spiral out of control: · Establish a budget. Set a budget for the wedding, but make sure you build in a cushion of 10 to 15 percent for cost overruns, just as you would if you were putting an addition on your house or remodeling. · Understand venue and reception costs. When negotiating the cost of your reception, it’s important to ask for the per person cost, all-inclusive. If you’re given an all-inclusive price and you find the words ‘additional costs may be incurred’ or ‘plus the cost of setup and delivery’ in your final contract, ask what those costs are, specifically, and be prepared to negotiate. · Make smart liquor choices. The drinks served at the reception often are a significant expense. Many venues charge for every bottle opened. To save on the cost, you could opt to serve beer, wine, and champagne for toasts. Alternatively, you could offer signature cocktails that require a single type of liquor, which can help limit the number of bottles opened. After evaluating costs, you may decide that the best option is for the happy couple to elope, marry in an exotic locale, and celebrate with a big party when they return. If that’s not an option, make sure to take advantage of the plentiful online resources available. Weekly Focus – Think About It “The greatest happiness of life is the conviction that we are loved; loved for ourselves, or rather, loved in spite of ourselves.” —Victor Hugo, French poet and novelist Best regards, ANDREW HUNT CFP® President of Guide Rock Capital Management, Inc. 1001 Gallup Drive Omaha, NE 68102 Communication | Woo | Achiever | Ideation | Relator   Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to be added. Securities offered through Shareholders Service Group, Member FINRA/SIPC. * This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with the named broker/dealer. * The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision.
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Financial Tech

Mar-4 Weekly Market Commentary from Guide Rock Capital – FT019

It was a bumpy week for stock markets. Early on, markets in many countries were negatively affected by the outcome of Italian elections. Italy’s anti-establishment Five-Star Movement, led by comedian Beppe Grillo, won about one-fourth of the votes in both the country’s upper and lower houses. Markets lost value as investors anticipated political gridlock could delay Italian economic reforms. Since Italy is the third largest economy in Eurozone and its public debt is significantly higher than its Gross Domestic Product, political stalemate in Italy could negatively affect the Eurozone. Listen Mobile:   As the week progressed, events in Italy were eclipsed. Ben Bernanke reiterated the Federal Reserve’s intention to keep monetary policy loose until unemployment levels drop. This helped stock markets recover some lost ground. Positive economic news, including higher pending home sales and a rise in consumer sentiment helped push the Dow Jones Industrials, NASDAQ, and Standard & Poor’s 500 Indices even higher, and they finished the week in positive territory. Concerns about Italian election results affected bond markets, too, pushing yields on 10-year Treasuries lower during the week. Lower yields were also driven by uncertainty about the potential impact of sequestration – $85 billion in automatic spending cuts – on America’s economic growth. Despite great political hullaballoo, no action was taken to prevent or modify the spending cuts and they took effect on Friday, March 1. Over the next decade, sequestration is expected to cut government spending by about $ trillion. The cuts will reduce defense discretionary spending, including weapons purchases, base operations, construction work, and more. Cuts also will shrink mandatory and discretionary domestic spending. Two of the domestic programs affected are the unemployment trust fund and Medicare (specifically, Medicare’s provider payments). Data as of 3/1/13 1-Week Y-T-D 1-Year 3-Year 5-Year 10-Year Standard & Poor’s 500 (Domestic Stocks) 10-year Treasury Note (Yield Only) N/A Gold (per ounce) DJ-UBS Commodity Index DJ Equity All REIT TR Index Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, Barron’s, , London Bullion Market Association. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable. THE NATIONAL RETIREMENT RISK INDEX (NRRI) measures whether Americans will be able to maintain the same standard of living they enjoy today after they retire. When it was updated for 2012, the index showed the number of “at risk” households had increased by nine percentage points – from 44 percent to 53 percent – between 2007 and 2010. In its explanatory comments the Center for Retirement Research at Boston College (the group that compiles the index) attributed the change to the combined effects of the financial crisis, poor investment returns, low interest rates, and the continuing rise in Social Security’s full retirement age. Americans are not unaware of the situation. The 2012 Retirement Confidence Survey found almost one-half of working Americans are ‘not too’ or ‘not at all’ confident they’ll have enough money to live comfortably throughout retirement. If you fall into either of these categories – and even if you don’t – it’s important to evaluate your current retirement plan in light of key risks that may influence its effectiveness. These include: · Longevity risk. A recent headline suggested that 72 is the new 30. The scientists who made the determination meant that modern man, at age 72, has the same chance of dying as primitive man did at age 30. That makes longevity risk – the chance you’ll outlive your savings – an essential consideration when planning for retirement. One way to address longevity risk is by developing a retirement income plan that will allow you to generate income for as many years as you may need it. · Inflation risk is the chance your savings and investment will grow more slowly than inflation, reducing your purchasing power. For example, a gallon of milk that cost about $ in 1990 would have set you back $ in 2012 – and that was after a period of relatively low inflation. One way to address inflation risk is to consider investing in a well-allocated and well-diversified portfolio that may have the potential to outperform inflation over time. If you have any questions about saving for retirement, or would like to review your retirement plan, please give us a call. Weekly Focus – Think About It When planning for a year, plant corn. When planning for a decade, plant trees. When planning for life, train and educate people. –Chinese proverb Best regards, ANDREW HUNT CFP® President of Guide Rock Capital Management, Inc. 1001 Gallup Drive Omaha, NE 68102 Communication | Woo | Achiever | Ideation | Relator     Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to be added. Securities offered through Shareholders Service Group, Member FINRA/SIPC. * This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with the named broker/dealer. * The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision. * To unsubscribe from the Guide Post please reply to this e-mail with    “Unsubscribe” in the subject line, or write us at
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Home Gadget Geeks

Home Networking, ZyXel, Pulling Network Cable, VoIP, ENGenious EAP600, PoE, DataShark 70025 Tester, Asus RT-AC66U, Plenum Cable – HT107

Jim (@jcollison) is joined this week by Kevin Schoonover (@schoondoggy1979), Greg Welch (@welchwerks) , Bill Paulmenn (@BillPaulmenn) and Renny Phipps (@rennyphipps) for Show 107!  Part II of a 4 Part Series on Home Networking.  How to do it, how not to and how to get it done with what you have!  Hope you enjoy this episode.  Part 3 will be next weekend (March 9th or 10th, watch twtter) with the guys from BYOB. Join us for the show live each Thursday at 8pmC/9E at Listen Mobile:   See Jim and Mike Howard on Podcasters Roundtable that was recorded on March 1. or on Youtube at Click the image for full view Kevin Schoonover Deployed ZyXel ZyWALL 20 firewall, upgrade from old NAT router Deployed EnGenius EAP600 WAP-Concurrent Dual Radio I have had great luck with Windows Homegroup Belarc Advisor network audit and interface launcher Pull a nylon twine with each cable run Pull-zit If I were building a new house,,,,,, Resource- Resource- Resource- Resource-   Bill Paulmenn Wireless Routers : AC Routers tested and installed into service – 3 Asus RT-AC66U Dual Band / with Forked open source firmware.  Detailed Links and Specs Open source VPN built in Free Dropbox like – DIY Cloud Compete with my “SuperRouter” Making custom network cables. How to test your new cables (test hardware and functions) DataShark 70025 Tester If you have to cross electrical lines do it at 90 degrees (old wives tale?) How to run your network wires from your attic to your basement or other floors with metal chains! Renny Phipps General notes Use DynDNS to provide consistent access to your network from the internet Use Cat 6 for long runs (over say 15 Meters) Avoid getting within 2 feet of electrical cabling if possible To find the fastest DNS server for your area/connection try “Name Bench” or “DNS Benchmark” Use a UPS to keep your wireless network up during blackouts Network Diagram is here # short Videos here   Greg Welch Network Hardware: Netgear ProSafe 24-port Gigabit Smart Switch GS724Tv3 Supports Link Aggregation groups (LAG’s) and VLAN’s Supermicro SuperServer 5015A-H    aka   (PFSENSE Router) Added Intel dual port gigabit NIC with riser card Netgear WNDRv2   (PFSENSE AP) # APC Smart-UPS 1500VA USB & Serial RM 2U 120V ;total_watts=50 Added APC AP9630 UPS Network Management Card Completely Wireless: After moving to a new house we are completely wireless for all workstations and tablets All on 5 GHz N except as noted 2- Workstations ASUS ITX 3rd Gen I-5 (BYOB) 1- WorkStation Dell 2 – Dual Xeons GHz N USB 1- IPAD 4th GEN   (prints to the laserjet) 2- Lenovo ThinkPad Tablet 2 Windows 8 1- Kindle Fire N 1- Samsung 60 inch Series 7  LCD   GHz for its Netflix and Vudu etc. 1- XBOX 360  N 2- HTC 8X Windows Phones 1- HTPC Decommissioned for a little while, will be working on a redesign 1- HP LaserJet Pro 200 Color MFP M276nw
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Financial Tech

Feb-18 Weekly Market Commentary from Guide Rock Capital – FT017

Weekly Market Commentary from Guide Rock Capital – February 18, 2013 Stocks delivered mixed performance last week. The Dow Jones Industrials and NASDAQ Indices moved lower while the Standard & Poor’s 500 and Russell 2000 Indices moved higher for the week. Stocks were helped by positive economic news in the United States, including modestly positive retail sales for January, improved consumer sentiment, and a decline in initial jobless claims. However, these positives were offset to some extent by concerns about weakness overseas. Germany reported that its economy contracted during the fourth quarter of 2012. It’s the country’s worst economic performance since 2009. Listen Mobile: Overall, the major stock indices remain in positive territory for the year. They’ve been buoyed, in part, by better than expected fourth quarter earnings. On January 1, 2013, analysts expected profitability of companies in the S&P 500 Index would increase by about percent year-to-year. As 2012 fourth quarter’s earnings season headed toward the finish line last week, that estimate had almost doubled to percent. About 70 percent of companies have exceeded analysts’ expectations so far. On average, over the long term, about 62 percent of companies beat expectations. The yield on benchmark 10-year Treasury bonds continued to hover around 2 percent during the week. Reports of weaker than expected economic growth in Europe during the last quarter of 2012 may have increased demand for Treasuries. When demand increases, prices often go up and yields go down. Bond yields also have been affected by the Federal Reserve’s quantitative easing program. The Fed has been buying Treasury bonds in an effort to help support the economy. In general, these purchases are believed to be keeping bond yields lower than they might be otherwise. Quantitative easing will not continue indefinitely which may be the reason the Financial Industry Regulatory Authority issued a statement last week that said, “Many economists believe that interest rates are not likely to get much lower and will eventually rise. If that is true, then outstanding bonds, particularly those with a low interest rate and high duration may experience significant price drops as interest rates rise along the way.” Data as of 2/15/13 1-Week Y-T-D 1-Year 3-Year 5-Year 10-Year Standard & Poor’s 500 (Domestic Stocks) 10-year Treasury Note (Yield Only) N/A Gold (per ounce) DJ-UBS Commodity Index DJ Equity All REIT TR Index Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, Barron’s, , London Bullion Market Association. Past performance is no guarantee of future results.  Indices are unmanaged and cannot be invested into directly.  N/A means not applicable. CHILDREN ARE TARGETED FOR IDENTITY THEFT FAR MORE OFTEN than you might think. That’s right. A 2012 report from Carnegie Mellon CyLab found children are targeted for identity theft 35 times more frequently than adults. That’s because the unused social security numbers assigned to children for tax purposes are uniquely valuable to identity thieves. These numbers can be paired with any name and address and used for many years. Often the theft isn’t discovered until a child applies for a student loan or a job, or tries to buy a mobile phone or a car. The report is based on 42,000 identity protection scans of children, ages 18 and under, that were completed during 2009 and 2010. Researchers found social security numbers for more than 4,300 children – percent of those scanned – were being used by someone else (a stranger, a parent, or another family member) to: · Buy homes and automobiles · Establish credit card accounts · Secure employment and get driver’s licenses Source: Child Identity Theft, Richard Power, Carnegie Mellon CyLab The youngest victim was five months old. The victim of the largest fraud (about three-quarters of a million dollars) was a 16-year-old girl. The first step in protecting your child’s social security number is to check with credit bureaus and find out whether a file has been opened using your child’s social security number. In many cases, even if the number is being used, your child’s full identity has not been stolen. In addition to contacting credit bureaus, watch for warning signs your child’s social security number may be in play. These include receiving: · Pre-approved credit card offers in your child’s name · Notices from the IRS indicating your child didn’t pay income taxes · Calls from collection agencies asking for your child Source: Child Identity Theft, Richard Power, Carnegie Mellon CyLab; Federal Trade Commission Consumer Information, Child Identity Theft, August 2012 If you would like to learn more about how to protect your child from identity theft, visit the Federal Trade Commission’s web site at , and click on Privacy and Identity, Repairing Identity Theft, and then Child Identity Theft. Weekly Focus – Think About It “The greatest pleasure in life is doing what people say you cannot do.” —Walter Bagehot, British economist and journalist Best regards, Andrew Hunt CFP® President of Guide Rock Capital Management, Inc. 1001 Gallup Drive Omaha, NE 68102 Communication | WOO | Achiever | Ideation | Relator     Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to be added. Securities offered through Shareholders Service Group, Member FINRA/SIPC. * This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with the named broker/dealer. * The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision. * To unsubscribe from the Guide Post please reply to this e-mail with    “Unsubscribe” in the subject line, or write us at
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