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  • Keith Springer Blog | Financial Commentary | Stock Market Analysis Sacramento CA - Part 3
    Do s Part 2 POSTED ON February 19 2015 BY Keith Springer IN Uncategorized This retirement thing is hard You are already retired and want a comfortable lifestyle or you want to retire as soon as possible like yesterday Proper retirement planning is so much more than just managing your assets Tune in Read More The 7 Retirement Planning Must Do s POSTED ON February 10 2015 BY Keith Springer IN Uncategorized This retirement thing is hard You are already retired and want a comfortable lifestyle or you want to retire as soon as possible like yesterday Proper retirement planning is so much more than just managing your assets Tune in Read More Why Does the Stock Market Stink So Far This Year POSTED ON February 6 2015 BY Keith Springer IN Smart Money Newsletter For the last few months I have been saying how positive it looks for many U S companies So why has the stock market done so poorly Not only is it down for the last few months but market volatility Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors Previous 1 2 3 4 163 Next SIGN UP FOR KEITH S SMART MONEY NEWSLETTER Privacy by SafeUnsubscribe Recognized Excellence in Professional Wealth Management since 1985 4480 DUCKHORN DRIVE SACRAMENTO CA 95834 916 925 8900 INFO KEITHSPRINGER COM Get Your FREE Customized Retirement Income Analysis 2015 Springer Financial Advisors 4480 Duckhorn Drive Sacramento CA 95834 916 925 8900 Springer Insurance Solutions CA License 0G11958 Springer Financial Advisors Advisor is a federally registered investment adviser located in Sacramento California Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California Advisor s web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services together with access to additional investment related information publications and links Accordingly the publication of Advisor s web site on the Internet or dissemination of informational emails should not be construed by any consumer and or prospective client as Advisor s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet A copy of Advisor s current written disclosure statement discussing Advisor s business operations services and fees is available from Advisor upon written request You may also obtain publicly available information about Advisor through the SEC website as follows http www adviserinfo sec gov IAPD Content Search iapd OrgSearch aspx Advisor does not make any representations or warranties as to the accuracy timeliness suitability completeness or relevance of any information prepared by any unaffiliated third party whether linked to Advisor s web site or incorporated in an email and takes no responsibility therefore All such information is believed to be reliable and authoritative but does not constitute sufficient information to be the sole basis for sound investment decisions and all

    Original URL path: http://www.keithspringer.info/page/3/ (2016-05-01)
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  • Keith Springer Blog | Financial Commentary | Stock Market Analysis Sacramento CA - Part 2
    Springer IN Uncategorized Staying on top of all the latest tax rules is a full time job in itself Proper planning can help you pay less taxes and keep more money in your pocket Tune into Smart Money with Keith Springer this Read More Previous 1 2 3 163 Next SIGN UP FOR KEITH S SMART MONEY NEWSLETTER Privacy by SafeUnsubscribe Recognized Excellence in Professional Wealth Management since 1985 4480 DUCKHORN DRIVE SACRAMENTO CA 95834 916 925 8900 INFO KEITHSPRINGER COM Get Your FREE Customized Retirement Income Analysis 2015 Springer Financial Advisors 4480 Duckhorn Drive Sacramento CA 95834 916 925 8900 Springer Insurance Solutions CA License 0G11958 Springer Financial Advisors Advisor is a federally registered investment adviser located in Sacramento California Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California Advisor s web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services together with access to additional investment related information publications and links Accordingly the publication of Advisor s web site on the Internet or dissemination of informational emails should not be construed by any consumer and or prospective client as Advisor s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet A copy of Advisor s current written disclosure statement discussing Advisor s business operations services and fees is available from Advisor upon written request You may also obtain publicly available information about Advisor through the SEC website as follows http www adviserinfo sec gov IAPD Content Search iapd OrgSearch aspx Advisor does not make any representations or warranties as to the accuracy timeliness suitability completeness

    Original URL path: http://www.keithspringer.info/page/2/#wpcf7-f9736-o1 (2016-05-01)
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  • Associated Press | Retail Report | Finance Blog |
    2 4 percent gain in same store sales beating Wall Street projections for a 1 6 percent gain Including fuel sales same store sales rose 2 5 percent At Sam s Club its warehouse club division fresh food dry groceries and other consumables were strong Weaker categories included electronics jewelry and home related products the company said Wal Mart predicted that same store sales for its overall U S stores will be up from 1 percent to 3 percent in November Target Corp which has lagged behind Wal Mart in recent months because of its heavier emphasis on nonessentials posted a 4 8 percent drop worse than the 2 8 percent decline that analysts had expected Sales for the month of October were very disappointing with continued volatility in daily results Target s President and Chief Executive Gregg Steinhafel said in a statement We expect the recent challenging sales environment to continue into the holiday season and beyond as a result of the economic factors currently affecting consumer spending Costco hurt by currency effects reported a 1 percent decline in October Analysts surveyed by Thomson Reuters expected a gain of 3 6 percent Macy s Inc reported a 6 3 percent drop in same store sales for October No estimate from Thomson Reuters was available Gap Inc saw a 16 percent drop worse than the 11 1 percent decline Wall Street had forecast The retailer reaffirmed its profit outlook for the third quarter however as it focused on inventory control Limited Brands Inc reported a 9 percent drop in October a bigger decline than the 7 2 percent analysts were expecting Even teens dramatically scaled back their spending American Eagle Outfitters Inc reported a 12 percent drop in same store sales worse than the 8 percent decline predicted while Abercrombie Fitch Co suffered a 20 percent drop last month steeper than the 14 4 percent decline expected Wet Seal Inc saw its same store sales fall 6 2 percent less than the 8 6 percent decline expected The teen retailer said it now expects third quarter profit at the high end of its guidance Bookmark on Delicious Digg this post Recommend on Facebook Share on Linkedin share via Reddit Share with Stumblers Tweet about it Subscribe to the comments on this post Print for later Bookmark in Browser Tell a friend 4480 DUCKHORN DRIVE SACRAMENTO CA 95834 916 925 8900 INFO KEITHSPRINGER COM Get Your FREE Customized Retirement Income Analysis 2015 Springer Financial Advisors 4480 Duckhorn Drive Sacramento CA 95834 916 925 8900 Springer Insurance Solutions CA License 0G11958 Springer Financial Advisors Advisor is a federally registered investment adviser located in Sacramento California Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California Advisor s web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services together with access to additional investment

    Original URL path: http://www.keithspringer.info/retailers-report-steep-sales-declines-in-october/ (2016-05-01)
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  • Beating Investments | Financial Analysis | Keith Springer Blog |
    pay an expense ratio Liquidity Very liquid in theory You can buy or sell any dividend paying equities at any time However to reap lower tax benefits you must own equities for a certain amount of time generally more than 60 days in a 121 day period surrounding the so called ex dividend date which is the day after shareholders who are entitled to a dividend are identified Pros Low taxes for now Until 2010 qualified dividends are subject to capital gains taxes which are no higher than 15 percent for individuals in tax brackets 25 percent or higher Individuals in lower tax brackets owe no tax on dividends starting in 2008 until Jan 1 2011 Cons Besides the potential for capital loss these stocks generally lack diversity Dividend paying stocks or funds that invest in them tend to concentrate on a few industries that aren t known for rapid growth Risk Equities can lose money so buying dividend rich stocks requires homework 4 Exchange traded funds or ETFs How they work ETFs have qualities of both stocks and funds Though they comprise a basket of securities they re traded like a stock so prices vary throughout the day But like mutual funds ETFs can include equities bonds commodities currencies derivatives etc ETFs are generally designed to mirror indexes but that s not always so Demand for ETFs is fueling rapid growth in their offerings It s possible for inflation leery individuals to find ETFs invested in high growth stocks or dividend rich equities Who they re good for Relatively low management costs and tax efficiency make ETFs better for budget minded retirees who are looking to invest a sum of money for years instead of weeks or months and who may be seeking to diversify assets They also offer a convenient no fuss alternative to individual securities because it s relatively easy to pick one off the shelf and plug it into a portfolio Price Varies throughout the day Commissions are charged with purchases and sales Liquidity Very liquid You can trade ETFs as frequently as you want just as with stocks You can place limit orders on them short them buy them on margin Pros Low management costs and rich yields Because most ETFs are not actively run by a manager ETFs are generally cheaper than mutual funds Tax efficiency Generally underlying assets in an ETF are pegged to an index so they re not traded as frequently as an actively managed mutual fund And ETFs usually don t make large capital gain distributions to investors either keeping taxes in check Risk An ETF s market price may skew widely from its net asset value Though it s uncommon investors need to be aware this adds a certain level of uncertainty ETFs are often made up of a pool of assets in a narrowly defined index or in a particular sector That concentration can increase the risk for price declines more than actively managed funds which tend to

    Original URL path: http://www.keithspringer.info/inflation-beating-investments-for-retirement/ (2016-05-01)
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  • Annual Springer Turkey Challenge | Keith Springer Hosts | Sacramento Local Charity |
    Sacramento CA 95833 916 925 8900 Bookmark on Delicious Digg this post Recommend on Facebook Share on Linkedin share via Reddit Share with Stumblers Tweet about it Subscribe to the comments on this post Print for later Bookmark in Browser Tell a friend 4480 DUCKHORN DRIVE SACRAMENTO CA 95834 916 925 8900 INFO KEITHSPRINGER COM Get Your FREE Customized Retirement Income Analysis 2015 Springer Financial Advisors 4480 Duckhorn Drive Sacramento CA 95834 916 925 8900 Springer Insurance Solutions CA License 0G11958 Springer Financial Advisors Advisor is a federally registered investment adviser located in Sacramento California Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California Advisor s web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services together with access to additional investment related information publications and links Accordingly the publication of Advisor s web site on the Internet or dissemination of informational emails should not be construed by any consumer and or prospective client as Advisor s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet A copy of Advisor s current written disclosure statement discussing Advisor s business operations services and fees is available from Advisor upon written request You may also obtain publicly available information about Advisor through the SEC website as follows http www adviserinfo sec gov IAPD Content Search iapd OrgSearch aspx Advisor does not make any representations or warranties as to the accuracy timeliness suitability completeness or relevance of any information prepared by any unaffiliated third party whether linked to Advisor s web site or incorporated in an email and takes no

    Original URL path: http://www.keithspringer.info/annual-springer-turkey-challenge-help-us-feed-those-in-need-this-holiday/ (2016-05-01)
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  • Fox Business | Keith Springer Live | Financial Expert |
    925 8900 INFO KEITHSPRINGER COM Get Your FREE Customized Retirement Income Analysis 2015 Springer Financial Advisors 4480 Duckhorn Drive Sacramento CA 95834 916 925 8900 Springer Insurance Solutions CA License 0G11958 Springer Financial Advisors Advisor is a federally registered investment adviser located in Sacramento California Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California Advisor s web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services together with access to additional investment related information publications and links Accordingly the publication of Advisor s web site on the Internet or dissemination of informational emails should not be construed by any consumer and or prospective client as Advisor s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet A copy of Advisor s current written disclosure statement discussing Advisor s business operations services and fees is available from Advisor upon written request You may also obtain publicly available information about Advisor through the SEC website as follows http www adviserinfo sec gov IAPD Content Search iapd OrgSearch aspx Advisor does not make any representations or warranties as to the accuracy timeliness suitability completeness or relevance of any information prepared by any unaffiliated third party whether linked to Advisor s web site or incorporated in an email and takes no responsibility therefore All such information is believed to be reliable and authoritative but does not constitute sufficient information to be the sole basis for sound investment decisions and all users thereof should be guided accordingly Past performance may not be indicative of future results Therefore no current or prospective client

    Original URL path: http://www.keithspringer.info/sacramentos-keith-springer-financial-expert-fox-business-segment/ (2016-05-01)
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  • Frustrated | Keith Springer Blog | Stock Market Analysis |
    call If you like consider it a free second opinion Regards Keith Springer Bookmark on Delicious Digg this post Recommend on Facebook Share on Linkedin share via Reddit Share with Stumblers Tweet about it Subscribe to the comments on this post Print for later Bookmark in Browser Tell a friend 4480 DUCKHORN DRIVE SACRAMENTO CA 95834 916 925 8900 INFO KEITHSPRINGER COM Get Your FREE Customized Retirement Income Analysis 2015 Springer Financial Advisors 4480 Duckhorn Drive Sacramento CA 95834 916 925 8900 Springer Insurance Solutions CA License 0G11958 Springer Financial Advisors Advisor is a federally registered investment adviser located in Sacramento California Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California Advisor s web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services together with access to additional investment related information publications and links Accordingly the publication of Advisor s web site on the Internet or dissemination of informational emails should not be construed by any consumer and or prospective client as Advisor s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet A copy of Advisor s current written disclosure statement discussing Advisor s business operations services and fees is available from Advisor upon written request You may also obtain publicly available information about Advisor through the SEC website as follows http www adviserinfo sec gov IAPD Content Search iapd OrgSearch aspx Advisor does not make any representations or warranties as to the accuracy timeliness suitability completeness or relevance of any information prepared by any unaffiliated third party whether linked to Advisor s web site or

    Original URL path: http://www.keithspringer.info/frustrated-with-the-market-yet/ (2016-05-01)
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  • Keith Springer Blog | Financial Commentary | Stock Market Analysis Sacramento CA - Part 162
    individual investor Read More Critical Economic and Market Commentary 12 17 2008 POSTED ON August 19 2010 BY Keith Springer IN 2008 Smart Money Newsletter Posted At December 17 2008 1 34 AM Helping You Survive AND Thrive in Today s Financial Environment Call Keith for a free consultation today 916 925 8900 Market Commentary The markets continue to be dangerously volatile As heart wrenching as Read More Keith Springer on FOX Live POSTED ON August 19 2010 BY Keith Springer IN On the Tube Did you happen to catch my FOX Business interview live yesterday In the segment I discuss quite in depth the current economic and market climate and what to expect Also specific investment ideas for right now and in the Read More Critical Economic and Market Update 11 7 2008 POSTED ON August 19 2010 BY Keith Springer IN 2008 Smart Money Newsletter Posted At December 17 2008 1 31 AM Helping you Survive and Thrive in todays economic environment To view our most recent live media market commentaries please visit www keithspringer com Keith in the media Good morning We re in dangerous Read More Previous 1 161 162 163 Next SIGN UP FOR KEITH S SMART MONEY NEWSLETTER Privacy by SafeUnsubscribe Recognized Excellence in Professional Wealth Management since 1985 4480 DUCKHORN DRIVE SACRAMENTO CA 95834 916 925 8900 INFO KEITHSPRINGER COM Get Your FREE Customized Retirement Income Analysis 2015 Springer Financial Advisors 4480 Duckhorn Drive Sacramento CA 95834 916 925 8900 Springer Insurance Solutions CA License 0G11958 Springer Financial Advisors Advisor is a federally registered investment adviser located in Sacramento California Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California Advisor s web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services together with access to additional investment related information publications and links Accordingly the publication of Advisor s web site on the Internet or dissemination of informational emails should not be construed by any consumer and or prospective client as Advisor s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet A copy of Advisor s current written disclosure statement discussing Advisor s business operations services and fees is available from Advisor upon written request You may also obtain publicly available information about Advisor through the SEC website as follows http www adviserinfo sec gov IAPD Content Search iapd OrgSearch aspx Advisor does not make any representations or warranties as to the accuracy timeliness suitability completeness or relevance of any information prepared by any unaffiliated third party whether linked to Advisor s web site or incorporated in an email and takes no responsibility therefore All such information is believed to be reliable and authoritative but does not constitute sufficient information to be the sole basis for sound investment decisions and

    Original URL path: http://www.keithspringer.info/page/162/ (2016-05-01)
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