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  • The Outlook For Stocks, Bonds, Gold, The Dollar and Real Estate |
    per share all without creating new business All of this points to a good year for US Stocks but not gangbusters nor will it be easy The demographic headwind will be a major drag on the economy until approximately 2022 That s when the 85 million Echo boomers hit their peak spending years Until then it s still Invest for need not for greed Risk management is paramount especially if you are close to retirement or already enjoying your golden years After that you ll be able to buy anything again and make money Bonds Rates look like they are going even lower Even though America is starting to rebound the global slowdown will keeps rates at zero in Europe and Japan forcing money into the U S which will keep rates low here If you are a bond investor today you are getting the royal shaft by not even keeping pace with inflation and getting back 60 to 80 cents worth of purchasing power at maturity for every dollar you invest Gold Gold is an inflationary hedge nothing more With no inflation it will be going nowhere fast U S Dollar The US dollar will be a major story this year as it gets increasingly stronger due to the enormous Japanese and soon to be Euro stimulus programs Printing money hurts your economy as we saw a few years ago That tide has turned Real Estate There is a long term recovery in real estate underway but the easy money has been made over the past few years unless you live near Palo Alto From here on I expect a slow grind up until that demographic headwind turns to a tailwind in 2022 Summary and investor strategy This year as well as the next few will be good to those who are invested properly with a qualified retirement advisor and have a plan for the good times as well as the bad The key as you get older is to manage risk properly because it becomes harder to replace this money unless you don t mind losing money and plan on working forever If you are retired or close to it how much can I make is replaced by how much can I afford to lose or how much do I want to lose This will ensure you are looking at the big picture and getting the returns you need but with the least risk possible so you don t get hurt to badly or at all when the market turns down again and that s where we can help To learn more about The Springer Investment Approach which is our powerful proprietary Investment Management Strategy designed to manage risk and deliver returns in any market or to get a free second opinion on your portfolio simply reply to this email or give us a call for a free consultation today Sincerely Keith Springer 916 925 8900 Bookmark on Delicious Digg this post Recommend on Facebook Share on Linkedin

    Original URL path: http://www.keithspringer.info/why-2015-looks-good/#wpcf7-f9736-o1 (2016-05-01)
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  • 2015 Preliminary Key Financial Data |
    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 should assume that future performance of any specific investment or investment strategy including the investments and or investment strategies recommended or undertaken by Advisor made reference to directly or indirectly by Advisor in its web site email or indirectly

    Original URL path: http://www.keithspringer.info/2015-preliminary-key-financial-data/#wpcf7-f9736-o1 (2016-05-01)
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  • Smart Money Newsletter | - Part 3
    springer financial advisors Frank Luntz co author of Newt Gingrich s Contract with America 11 22 POSTED ON November 18 2014 BY Keith Springer IN 2014 Smart Money Newsletter Tune in this week as Keith discusses author Fran Luntz s opinions on why baby boomers are failing to save enough for their golden years and what they must do to create a secure retirement Don t let this be you Tune in Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors Critical Market Video Update November 14 POSTED ON November 13 2014 BY Keith Springer IN 2014 Smart Money Newsletter To learn what s going on in today s world with the economy and financial markets in plain English and too see where stocks and bonds are headed be sure to watch this brief video update Bookmark on Delicious Digg this Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors 6 Football Strategies You Can Use To Help You Retire Rich POSTED ON November 13 2014 BY Keith Springer IN 2014 Smart Money Newsletter 6 Football Strategies You Can Use to Help You Retire Rich Football and finances have a lot in common and applying some of these same basic strategies can help you reach your retirement goals faster than you ever thought Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors Previous 1 2 3 4 77 Next 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

    Original URL path: http://www.keithspringer.info/category/critical-economic-and-market-commentary/page/3/ (2016-05-01)
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  • Smart Money Newsletter | - Part 2
    Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors Critical Year End Tax Strategies POSTED ON December 16 2014 BY Keith Springer IN 2014 Smart Money Newsletter Tune in this week and learn critical year end tax strategies that could save you thousands of dollars and many sleepless nights as Keith interviews Senior Tax Strategist Chris Mann in a special year end tax strategy session for investors That s Saturday Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors How To Build a Better Portfolio Than Your Advisor POSTED ON December 9 2014 BY Keith Springer IN 2014 Smart Money Newsletter Tune in to Smart Money with Keith Springer this week as Keith explains why so many portfolios underperforms their benchmarks and unveils the specifics on how to build a rock solid investment and retirement plan that will achieve your Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors Critical Market Update December 04 POSTED ON December 4 2014 BY Keith Springer IN 2014 Smart Money Newsletter To learn what s going on in today s world with the economy and financial markets in plain English and too see where stocks and bonds are headed be sure to watch this brief video update Bookmark on Delicious Digg this Read More investment strategies Keith Springer Keith Springer Financial Advisors springer financial advisors Previous 1 2 3 77 Next 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

    Original URL path: http://www.keithspringer.info/category/critical-economic-and-market-commentary/page/2/#wpcf7-f9736-o1 (2016-05-01)
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  • HOPE | Smart Money Newsletter | Keith Springer |
    waiting some sort of bell to ring or having sold out in an emotional panic Although the market should rally and we are sure to look back at these prices as tremendous opportunities I m not going to sit back and wait As you know I ve been very defensive and I will continue to look for the best opportunities especially for good dividends There are some tremendous opportunities out there right now Municipal and corporate bond and preferred stock yields are extraordinarily high right now with some good quality yields of 8 9 and even 10 For those that aren t too greedy that s hard to beat In addition the oil bust has created some great opportunities with many stocks of producers who are hedged at higher oil prices paying extraordinarily high dividends some 12 15 due to their corporate structure Oil is also a good hedge against a falling dollar If you have any CD s coming due or bank cash there are some great alternatives so let me know Just for example this is what I saw this morning Corporate Bonds 2 10 10 CIT 9 62 YTM 11 3 10 CIT 10 23 YTM 6 1 11 Alcoa 7 25 YTM Preffereds Bank of America 10 15 BSBC 8 Goldman Sachs 7 ½ 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

    Original URL path: http://www.keithspringer.info/economic-and-market-commentary-2-16-2009/ (2016-05-01)
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  • Wave of Deals | Smart Money Newsletter | Keith Springer |
    a serious retreat by consumers and increased savings are all the conditions that generate deflation If left unchecked we could see something like what Japan experienced or even worse as they started with a savings rate of 13 But deflation is not going to be left unchecked It will be fought by central banks everywhere with low rates and the printing press as well as government spending However as we are learning lowering rates isn t enough to get consumers to spend when they have seen their wealth erode from losses in the value of their houses and investment portfolios and retirement accounts The stimulus last summer was largely saved or used to pay down debt What was an annualized stimulus of 3 of GDP in the second quarter which is pretty big only kept GDP growth positive for one quarter Now with what is it now a 700b stimulus a Trillion a gazillion more Whatever it is the boys at the helm are going to fight this recession and deflation with everything they ve got but primarily with old fashioned stimulus As they print money to tackle deflation with a complete disregard for inflation I might add they had better be ready for a serious decline in the dollar If they don t stop in time they risk a run on the dollar If they are forced to stop due to that or sooner than it takes hold the economy will decline again bringing back deflation What that means to you and me is that we had better adjust our portfolios and businesses for that reality and we will Market and Investment strategy One of the great sucker plays since the bear began in 2000 has been the buy and hold for the long term mantra that has been chanted by the sages of Wall Street Simply look at the returns from 12 31 99 to 12 31 08 if you invested in an S P 500 index and held for the long term then your total return during this time would have been 28 13 or an annualized rate of 3 6 per year In inflation adjusted terms the stock market is about where it was in 1973 If you reinvested dividends that gets you to 1991 inflation adjusted Clearly we have to be nimble and willing to desert old fashion buy and hold asset allocation models to be successful What looks attractive at the moment Quality bonds both corporate and municipal There are some attractive issues here 7 8 yields Look for dividends There are many high yielding stocks and preferreds If you have CD s or back cash let me know There are some great deals out there I would avoid I would not be a buyer of US government debt Treasuries if not in a bubble have little upside potential and just don t yield enough Chasing CD rates at banks Those banks that are offering high CD rates may be chasing deposit money and

    Original URL path: http://www.keithspringer.info/citi-morgan-talk-may-spark-fresh-wave-of-deals-2/ (2016-05-01)
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  • Bear Trap | Keith Springer | Smart Money Newsletter |
    high and rising throughout the developed world It is likely to be 2011 before the housing market finds a real bottom and housing construction can begin to rise We are in a serious recession and we have to allow time for both the housing market and the credit markets to heal likely at least two more years P E ratios will likely decline over time to low double digits as they did in the 70 s The combination of all three bubbles consumer spending credit and housing which were made possible by increasing leverage and poor lending standards is by definition deflationary Market Strategy We are in a long term secular bear market and the investor that ignores this fact or simply ignores their statements and hopes for a new Bull Market to just reappear will continue to get punished One of the great sucker plays since the late 90 s has been the buy and hold for the long term strategy Just look at the returns from 12 31 99 to 12 31 08 if you invested in an S P 500 index and held for the long term your total return during this time would have been 28 13 or an annualized rate of 3 6 per year In inflation adjusted terms the stock market is about where it was in 1973 If you reinvested dividends that gets you to 1991 inflation adjusted Clearly investors must be nimble and willing to desert old fashion buy and hold asset allocation models to be successful Hoping that stocks somehow rebound to new highs and that the economy is going to go back to what we saw in 1982 1999 or 2003 2006 is not a strategy You need to be proactive and take charge of your portfolio Simply using a traditional 60 40 or 50 50 split of stocks and bonds is not going to get you blissfully to retirement Ignoring your statements and waiting for a rebound will cause heart aches while trying to time the market will cause heart attacks As an investor there are three steps you can take to improve your ability to handle the current market Actively manage your assets Tactically there are many investments that are doing very well Develop Reasonable Expectations Hope may win the Whitehouse but it is not an investment strategy Be the expert or hire one If your portfolio is not performing well don t be afraid to get a free 2nd opinion The next year and likely two will continue to be challenging to say the least I would be looking for absolute return types of investments for the next several years Quality corporate and municipal bonds are currently VERY attractive some in the 7 8 range as well as high yielding stocks and preferreds some yielding even higher Don t just buy based on ratings or yield Finding somone that knows these markets is the key Bookmark on Delicious Digg this post Recommend on Facebook Share on Linkedin

    Original URL path: http://www.keithspringer.info/economic-and-market-update-12809/ (2016-05-01)
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  • Smart Money Newsletter | - Part 76
    be considered a four letter word By the time that ugly not the word I d prefer to Read More Market Update POSTED ON August 19 2010 BY Keith Springer IN 2009 Smart Money Newsletter Posted At February 16 2009 1 07 PM What is going on with the market Is the economy going to get better or worse What is an investor to do Springer Turkey Challenge coming to a Read More Economic and Market Update for Advisory Clients POSTED ON August 19 2010 BY Keith Springer IN 2009 Smart Money Newsletter Posted At February 16 2009 12 57 PM Economic Update New numbers Market update what to expect Action item Do you have CD s coming due or cash savings money market These just popped up 7 40 on a Read More Economic Update Ouch but could it hurt anymore POSTED ON August 19 2010 BY Keith Springer IN 2009 Smart Money Newsletter Posted At February 16 2009 11 57 AM Market update Good news At least for a bit Investment strategy What to look for now and how to prepare for tomorrow Economic Update I know it s the holidays Read More Previous 1 75 76 77 Next 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 users thereof should be guided accordingly Past performance may not be indicative of

    Original URL path: http://www.keithspringer.info/category/critical-economic-and-market-commentary/page/76/ (2016-05-01)
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