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NEWS AND ANNOUNCEMENTS

Weekly Economic Update - 9/24/2018

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Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

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Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]In a two-parent household, both parents may want to consider life insurance coverage, even if one of them does not work. Money from the life insurance policy can help a surviving spouse pay for child care and education expenses.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]Learning to ignore things is one of the great paths to inner peace.”Robert J. Sawyer[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]You go into the forest and get it, you sit down to find it, and then you go home, just wanting to get it out. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]It takes eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]No time at all, for you cannot dig half a hole.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 24, 2018

BLUE CHIPS HIT A 2018 HIGH

On Thursday, the Dow Jones Industrial Average saw its best close since January. Friday took the index even higher, to another record settlement of 26,743.50. That capped a 2.25% weekly advance. The Dow was not the only major benchmark shattering records last week. The S&P 500 also settled at a historic peak Thursday before drifting slightly lower to 2,929.67 a day later; in five days, it rose 0.85%. For the Nasdaq Composite, the story was different: it declined 0.29% last week to 7,986.96.1,2

AUGUST WAS A FLAT MONTH FOR HOME BUYING

The National Association of Realtors declared the pace of existing home sales unchanged from July in its August snapshot of the residential real estate market. Economists surveyed by Reuters anticipated an advance of 0.3% after four consecutive months of retreats. Sales were down 1.5%, year-over-year, through August, but existing home inventory grew 2.7% during the same 12 months; that marked the first annualized increase in the supply of homes for sale since 2015. The median existing home price in August: $264,800, 4.6% higher than a year ago.3

HOUSING STARTS JUMP; BUILDING PERMITS FALL

Starts and permits went opposite ways during August, according to the Census Bureau’s latest look at U.S. residential construction activity. Groundbreaking increased 9.2% in the eighth month of the year, but permits for new developments declined by 5.7%.4

OIL CLIMBS TO A 2-MONTH PEAK

WTI crude settled at $70.78 per barrel on the New York Mercantile Exchange on Friday, charging 2.6% for the week. This was crude’s best closing price since July 13, preceding a critical meeting of OPEC nations and their allies to address potential supply problems in the fourth quarter.5

THIS WEEK

Monday offers no major earnings calls or economic reports. | The Conference Board’s latest consumer confidence index arrives Tuesday, plus a new S&P CoreLogic Case-Shiller home price index and earnings from Cintas, Jabil, KB Home, and Nike. | The Federal Reserve makes an interest rate decision Wednesday; in addition, August new home sales figures and earnings from Bed Bath & Beyond, CarMax, and Worthington Industries appear. | Accenture, ConAgra Brands, and Rite Aid present earnings Thursday, complementing the latest initial jobless claims numbers, the third estimate of Q2 economic expansion, and reports on August housing contract activity and hard goods orders. | Friday, August personal spending figures are released, plus the August PCE price index, the final September consumer sentiment index from the University of Michigan, and earnings from BlackBerry.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA8.1919.6114.6214.28
NASDAQ15.7024.3622.3226.65
S&P 5009.5817.1614.2714.27
REAL YIELD9/21 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.920.440.521.85
 Sources: wsj.com, bigcharts.com, treasury.gov - 9/21/182,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - foxbusiness.com/markets/stock-futures-point-to-added-gains-after-record-day [9/21/18]2 - markets.wsj.com/us [9/21/18]3 - reuters.com/article/us-usa-economy-housing/u-s-existing-home-sales-unchanged-in-august-idUSKCN1M026A [9/20/18]4 - investing.com/economic-calendar/ [9/21/18]5 - marketwatch.com/story/us-oil-ends-week-at-2-month-high-books-second-straight-weekly-advance-2018-09-21 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/21/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/21/18] [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Retirement Planning After 60

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If you're over 60, your retirement plan should be shifting.

Provided by Meld University

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.15"]If you’re over the age of 60, you likely hit your peak earning years in the thick of the Great Recession.Between late 2007 and mid-2009, 8.7 million jobs were lost. Raises stagnated, and retirement savings took a beating. In total, the financial crisis wiped out $3.4 trillion in retirement savings. For those who were fast-approaching retirement age, that meant their task had shifted — from building up a solid nest egg to getting themselves back to where they’d started.Now, 10 years later, the economy has recovered, and you are moving even closer to retirement. That means your financial planning strategy needs another shift.

What’s the most important thing to consider in retirement planning after 60?

The short answer is, the amount of risk you assume.Conventional wisdom says that your portfolio should become less risky as you age, with a gradual shift toward safer investments. The thinking behind that is, the older you get, the less time you have remaining to recover from a significant loss.Considering the extended bull market we’re currently experiencing, that advice is more sound than ever.

How do I know if my retirement plan is on track to meet my goals?

Take the time to sit down with your CERTIFIED FINANCIAL PLANNER® and review your asset allocation, with an eye toward protecting your investments. But remember: Balance is key. You probably don’t need to avoid stocks altogether. After all, that’s where you stand to gain the most. But this all depends on how much return you need to meet the goals of your retirement plan. At this age, you should have well defined goals and be well on your way to meeting them. If you haven’t set goals, don’t panic. A CFP® can help you understand your position and set goals, while a Situational Investment Plan can highlight what you need to do to meet those goals.

What should I do with my 401k or IRA after 60?

If you’re still working, keep contributing.Catch-up provisions for retirement accounts allow those over the age of 50 to increase their contributions to a 401k or IRA. For example, individuals with IRAs can contribute up to $6,500 per year after 50. And those with a 401k can contribute up to $24,000 per year. If you’re working for a company that provides a 401k match, that can provide a significant boost to your savings in the years leading up to retirement. It is important to note, however, that employers do not have to match the full catch-up provision, so ask your company about its policies to understand the extent of the benefit.

How does debt factor into retirement planning after 60?

Debt isn’t always a bad thing. But it can become a problem when you’re dealing with high interest rates — especially after 60.Money spent on interest is money you can’t invest in retirement, so consider transferring high-interest credit card balances to cards with lower rates when possible. If you are still paying down your mortgage, you may want to evaluate refinancing options. Or maybe it’s time to downsize and cut your mortgage — and the corresponding interest payments — down to size. The bottom line is there are many options, and a CFP® is a great resource to help you sort through them.

How do I know if I’m on track to have enough money when I retire?

You need insight into your investment portfolio and what you can expect from Social Security, a pension or other income sources, for sure. You also need a monthly spending budget. For many people, this can be a daunting task.Keeping track of your monthly spending habits and expenses is more important after 60 than ever before. That’s because your income in retirement is likely to drop below pre-retirement levels. That shift can be a shock to the system and can cause some retirees to churn through retirement savings at a more rapid clip than they would like.Enlisting a CFP® to help set your goals is a great start, but you need a plan of action. That is why we have developed our proprietary Situational Investment Plan to streamline your retirement planning. If you’re curious, click here to learn more about how Situational Investing can help you.Remember: The average retirement lasts 18 years. For many of us, it will last much longer. You’re playing the long game, and you need to plan accordingly.[/et_pb_text][et_pb_text admin_label="Article Footer - Text" _builder_version="3.15" saved_tabs="all" global_module="2010"]To learn more about planning your retirement, visit Meld University where we provide a wealth of articles and in-person classes to help you be successful in your retirement plan. If you are looking for help or advice about your retirement, contact us to schedule a meeting with our team.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="WSS Fine Print - Text" _builder_version="3.15" text_font_size="10px" custom_css_main_element="font-size:10px important!;" saved_tabs="all" global_module="1711"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by Workspace Solutions, LLC, and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update - 9/17/2018

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Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.15"]

Meld University Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H2 - Text" _builder_version="3.12.2" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd" header_2_font="Alegreya SC||||||||" header_2_font_size="48px"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]If you recently received a promotion or raise, you need not spend more money simply because you have it. Counter the temptation to buy this or that with the question “Do I really need this?” Living within your means could leave you with more money to save and invest for the future.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]“The greatest pleasure in life is doing what people say you cannot do.”Walter Bagehot[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]It takes a crew of eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]What is long and narrow, yet can look far and wide?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A telescope.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 17, 2018CONSUMER SENTIMENT EXCEEDS EXPECTATIONSIn its initial September edition, the University of Michigan’s monthly consumer sentiment index rose 4.6 points to 100.8, a 6-month high. Economists polled by Bloomberg had forecast a reading of 96.6. Fifty-six percent of households responding to the survey said that they had made recent financial gains; the all-time high for the survey is 57%, recorded in both March 2018 and February 1998. The index’s future expectations gauge reached a 14-year peak of 91.1.1RETAIL SALES ALMOST FLAT IN AUGUSTThe 0.1% August advance was the smallest monthly gain since February. Core retail purchases (which exclude the automotive, food, and home improvement categories) rose by the same amount. The Department of Commerce did revise the July numbers upward: the overall retail sales increase in that month went to 0.7%; the core retail sales gain, to 0.8%.2ANNUALIZED INFLATION DECREASESAugust’s Consumer Price Index shows 12-month inflation at 2.7%, down from 2.9%. Yearly core inflation retreated similarly, lessening from 2.4% to 2.2% last month. The headline CPI rose 0.2% in August; the core CPI, 0.1%. Both the headline and core Producer Price Index declined 0.1% in August, significantly reducing their annualized gains. Twelve-month wholesale inflation shrank 0.5% to 2.8%, while yearly core wholesale inflation retreated to 2.3% from 2.7%.3A POSITIVE FIVE DAYS FOR EQUITIESAll three major stock indices advanced last week. The Dow Industrials gained 0.92% to reach 26,154.67 at Friday’s close. Settling at 8,010.04 Friday, the Nasdaq Composite was up 1.36% for the week. The S&P 500 improved 1.16% to 2,904.98. The main barometer of Wall Street volatility, the CBOE VIX, fell 18.88% for the week to 12.07.4THIS WEEKFedEx announces earnings Monday. | AutoZone, Cracker Barrel, and General Mills present earnings Tuesday. | On Wednesday, the Census Bureau provides a snapshot of August residential construction activity, and Red Hat reports quarterly results. | Investors consider August existing home sales numbers, a new initial jobless claims report, and earnings from Darden Restaurants, Micron Technology, Steelcase, and Thor Industries on Thursday. | Nothing major is slated for Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA5.8117.8014.0213.96
NASDAQ16.0324.5923.0426.74
S&P 5008.6516.4014.4214.36
REAL YIELD9/14 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.890.350.801.70
Sources: wsj.com, bigcharts.com, treasury.gov - 9/14/184,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - bloomberg.com/news/articles/2018-09-14/u-s-consumer-sentiment-rises-to-six-month-high-above-estimate [9/14/18]2 - cnbc.com/2018/09/14/us-retail-sales-august-2018.html [9/14/18]3 - investing.com/economic-calendar/ [9/14/18]4 - markets.wsj.com/us [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/14/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/14/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update - 9/24/2018

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="to registration form - text" _builder_version="3.15" saved_tabs="all" custom_padding="24px|16px|24px|16px" background_color="rgba(14,112,249,0.16)" global_module="1444"]

Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H2 - Text" _builder_version="3.12.2" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd" header_2_font="Alegreya SC||||||||" header_2_font_size="48px"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]In a two-parent household, both parents may want to consider life insurance coverage, even if one of them does not work. Money from the life insurance policy can help a surviving spouse pay for child care and education expenses.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]Learning to ignore things is one of the great paths to inner peace.”Robert J. Sawyer[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]You go into the forest and get it, you sit down to find it, and then you go home, just wanting to get it out. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]It takes eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]No time at all, for you cannot dig half a hole.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 24, 2018

BLUE CHIPS HIT A 2018 HIGH

On Thursday, the Dow Jones Industrial Average saw its best close since January. Friday took the index even higher, to another record settlement of 26,743.50. That capped a 2.25% weekly advance. The Dow was not the only major benchmark shattering records last week. The S&P 500 also settled at a historic peak Thursday before drifting slightly lower to 2,929.67 a day later; in five days, it rose 0.85%. For the Nasdaq Composite, the story was different: it declined 0.29% last week to 7,986.96.1,2

AUGUST WAS A FLAT MONTH FOR HOME BUYING

The National Association of Realtors declared the pace of existing home sales unchanged from July in its August snapshot of the residential real estate market. Economists surveyed by Reuters anticipated an advance of 0.3% after four consecutive months of retreats. Sales were down 1.5%, year-over-year, through August, but existing home inventory grew 2.7% during the same 12 months; that marked the first annualized increase in the supply of homes for sale since 2015. The median existing home price in August: $264,800, 4.6% higher than a year ago.3

HOUSING STARTS JUMP; BUILDING PERMITS FALL

Starts and permits went opposite ways during August, according to the Census Bureau’s latest look at U.S. residential construction activity. Groundbreaking increased 9.2% in the eighth month of the year, but permits for new developments declined by 5.7%.4

OIL CLIMBS TO A 2-MONTH PEAK

WTI crude settled at $70.78 per barrel on the New York Mercantile Exchange on Friday, charging 2.6% for the week. This was crude’s best closing price since July 13, preceding a critical meeting of OPEC nations and their allies to address potential supply problems in the fourth quarter.5

THIS WEEK

Monday offers no major earnings calls or economic reports. | The Conference Board’s latest consumer confidence index arrives Tuesday, plus a new S&P CoreLogic Case-Shiller home price index and earnings from Cintas, Jabil, KB Home, and Nike. | The Federal Reserve makes an interest rate decision Wednesday; in addition, August new home sales figures and earnings from Bed Bath & Beyond, CarMax, and Worthington Industries appear. | Accenture, ConAgra Brands, and Rite Aid present earnings Thursday, complementing the latest initial jobless claims numbers, the third estimate of Q2 economic expansion, and reports on August housing contract activity and hard goods orders. | Friday, August personal spending figures are released, plus the August PCE price index, the final September consumer sentiment index from the University of Michigan, and earnings from BlackBerry.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA8.1919.6114.6214.28
NASDAQ15.7024.3622.3226.65
S&P 5009.5817.1614.2714.27
REAL YIELD9/21 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.920.440.521.85
 Sources: wsj.com, bigcharts.com, treasury.gov - 9/21/182,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.15" saved_tabs="all" custom_padding="24px|16px|24px|16px" background_color="rgba(14,112,249,0.16)" global_module="1444"]

Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - foxbusiness.com/markets/stock-futures-point-to-added-gains-after-record-day [9/21/18]2 - markets.wsj.com/us [9/21/18]3 - reuters.com/article/us-usa-economy-housing/u-s-existing-home-sales-unchanged-in-august-idUSKCN1M026A [9/20/18]4 - investing.com/economic-calendar/ [9/21/18]5 - marketwatch.com/story/us-oil-ends-week-at-2-month-high-books-second-straight-weekly-advance-2018-09-21 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/21/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/21/18] [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Retirement Planning After 60

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.15" src="https://meldfinancial.com/wp-content/uploads/retirement-planning-situational-investing-over-sixtyfacebook.jpg" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.15" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

If you're over 60, your retirement plan should be shifting.

Provided by Meld University

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.15"]If you’re over the age of 60, you likely hit your peak earning years in the thick of the Great Recession.Between late 2007 and mid-2009, 8.7 million jobs were lost. Raises stagnated, and retirement savings took a beating. In total, the financial crisis wiped out $3.4 trillion in retirement savings. For those who were fast-approaching retirement age, that meant their task had shifted — from building up a solid nest egg to getting themselves back to where they’d started.Now, 10 years later, the economy has recovered, and you are moving even closer to retirement. That means your financial planning strategy needs another shift.

What’s the most important thing to consider in retirement planning after 60?

The short answer is, the amount of risk you assume.Conventional wisdom says that your portfolio should become less risky as you age, with a gradual shift toward safer investments. The thinking behind that is, the older you get, the less time you have remaining to recover from a significant loss.Considering the extended bull market we’re currently experiencing, that advice is more sound than ever.

How do I know if my retirement plan is on track to meet my goals?

Take the time to sit down with your CERTIFIED FINANCIAL PLANNER® and review your asset allocation, with an eye toward protecting your investments. But remember: Balance is key. You probably don’t need to avoid stocks altogether. After all, that’s where you stand to gain the most. But this all depends on how much return you need to meet the goals of your retirement plan. At this age, you should have well defined goals and be well on your way to meeting them. If you haven’t set goals, don’t panic. A CFP® can help you understand your position and set goals, while a Situational Investment Plan can highlight what you need to do to meet those goals.

What should I do with my 401k or IRA after 60?

If you’re still working, keep contributing.Catch-up provisions for retirement accounts allow those over the age of 50 to increase their contributions to a 401k or IRA. For example, individuals with IRAs can contribute up to $6,500 per year after 50. And those with a 401k can contribute up to $24,000 per year. If you’re working for a company that provides a 401k match, that can provide a significant boost to your savings in the years leading up to retirement. It is important to note, however, that employers do not have to match the full catch-up provision, so ask your company about its policies to understand the extent of the benefit.

How does debt factor into retirement planning after 60?

Debt isn’t always a bad thing. But it can become a problem when you’re dealing with high interest rates — especially after 60.Money spent on interest is money you can’t invest in retirement, so consider transferring high-interest credit card balances to cards with lower rates when possible. If you are still paying down your mortgage, you may want to evaluate refinancing options. Or maybe it’s time to downsize and cut your mortgage — and the corresponding interest payments — down to size. The bottom line is there are many options, and a CFP® is a great resource to help you sort through them.

How do I know if I’m on track to have enough money when I retire?

You need insight into your investment portfolio and what you can expect from Social Security, a pension or other income sources, for sure. You also need a monthly spending budget. For many people, this can be a daunting task.Keeping track of your monthly spending habits and expenses is more important after 60 than ever before. That’s because your income in retirement is likely to drop below pre-retirement levels. That shift can be a shock to the system and can cause some retirees to churn through retirement savings at a more rapid clip than they would like.Enlisting a CFP® to help set your goals is a great start, but you need a plan of action. That is why we have developed our proprietary Situational Investment Plan to streamline your retirement planning. If you’re curious, click here to learn more about how Situational Investing can help you.Remember: The average retirement lasts 18 years. For many of us, it will last much longer. You’re playing the long game, and you need to plan accordingly.[/et_pb_text][et_pb_text admin_label="Article Footer - Text" _builder_version="3.15" saved_tabs="all" global_module="2010"]To learn more about planning your retirement, visit Meld University where we provide a wealth of articles and in-person classes to help you be successful in your retirement plan. If you are looking for help or advice about your retirement, contact us to schedule a meeting with our team.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="WSS Fine Print - Text" _builder_version="3.15" text_font_size="10px" custom_css_main_element="font-size:10px important!;" saved_tabs="all" global_module="1711"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by Workspace Solutions, LLC, and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update - 9/17/2018

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.12.2" saved_tabs="all" custom_padding="24px|16px|24px|16px" background_color="rgba(14,112,249,0.16)" global_module="1444"]

Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.15"]

Meld University Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H2 - Text" _builder_version="3.12.2" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd" header_2_font="Alegreya SC||||||||" header_2_font_size="48px"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]If you recently received a promotion or raise, you need not spend more money simply because you have it. Counter the temptation to buy this or that with the question “Do I really need this?” Living within your means could leave you with more money to save and invest for the future.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]“The greatest pleasure in life is doing what people say you cannot do.”Walter Bagehot[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]It takes a crew of eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]What is long and narrow, yet can look far and wide?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A telescope.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 17, 2018CONSUMER SENTIMENT EXCEEDS EXPECTATIONSIn its initial September edition, the University of Michigan’s monthly consumer sentiment index rose 4.6 points to 100.8, a 6-month high. Economists polled by Bloomberg had forecast a reading of 96.6. Fifty-six percent of households responding to the survey said that they had made recent financial gains; the all-time high for the survey is 57%, recorded in both March 2018 and February 1998. The index’s future expectations gauge reached a 14-year peak of 91.1.1RETAIL SALES ALMOST FLAT IN AUGUSTThe 0.1% August advance was the smallest monthly gain since February. Core retail purchases (which exclude the automotive, food, and home improvement categories) rose by the same amount. The Department of Commerce did revise the July numbers upward: the overall retail sales increase in that month went to 0.7%; the core retail sales gain, to 0.8%.2ANNUALIZED INFLATION DECREASESAugust’s Consumer Price Index shows 12-month inflation at 2.7%, down from 2.9%. Yearly core inflation retreated similarly, lessening from 2.4% to 2.2% last month. The headline CPI rose 0.2% in August; the core CPI, 0.1%. Both the headline and core Producer Price Index declined 0.1% in August, significantly reducing their annualized gains. Twelve-month wholesale inflation shrank 0.5% to 2.8%, while yearly core wholesale inflation retreated to 2.3% from 2.7%.3A POSITIVE FIVE DAYS FOR EQUITIESAll three major stock indices advanced last week. The Dow Industrials gained 0.92% to reach 26,154.67 at Friday’s close. Settling at 8,010.04 Friday, the Nasdaq Composite was up 1.36% for the week. The S&P 500 improved 1.16% to 2,904.98. The main barometer of Wall Street volatility, the CBOE VIX, fell 18.88% for the week to 12.07.4THIS WEEKFedEx announces earnings Monday. | AutoZone, Cracker Barrel, and General Mills present earnings Tuesday. | On Wednesday, the Census Bureau provides a snapshot of August residential construction activity, and Red Hat reports quarterly results. | Investors consider August existing home sales numbers, a new initial jobless claims report, and earnings from Darden Restaurants, Micron Technology, Steelcase, and Thor Industries on Thursday. | Nothing major is slated for Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA5.8117.8014.0213.96
NASDAQ16.0324.5923.0426.74
S&P 5008.6516.4014.4214.36
REAL YIELD9/14 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.890.350.801.70
Sources: wsj.com, bigcharts.com, treasury.gov - 9/14/184,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - bloomberg.com/news/articles/2018-09-14/u-s-consumer-sentiment-rises-to-six-month-high-above-estimate [9/14/18]2 - cnbc.com/2018/09/14/us-retail-sales-august-2018.html [9/14/18]3 - investing.com/economic-calendar/ [9/14/18]4 - markets.wsj.com/us [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/14/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/14/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update - 9/24/2018

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="to registration form - text" _builder_version="3.15" saved_tabs="all" custom_padding="24px|16px|24px|16px" background_color="rgba(14,112,249,0.16)" global_module="1444"]

Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H2 - Text" _builder_version="3.12.2" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd" header_2_font="Alegreya SC||||||||" header_2_font_size="48px"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]In a two-parent household, both parents may want to consider life insurance coverage, even if one of them does not work. Money from the life insurance policy can help a surviving spouse pay for child care and education expenses.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]Learning to ignore things is one of the great paths to inner peace.”Robert J. Sawyer[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]You go into the forest and get it, you sit down to find it, and then you go home, just wanting to get it out. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]It takes eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]No time at all, for you cannot dig half a hole.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 24, 2018

BLUE CHIPS HIT A 2018 HIGH

On Thursday, the Dow Jones Industrial Average saw its best close since January. Friday took the index even higher, to another record settlement of 26,743.50. That capped a 2.25% weekly advance. The Dow was not the only major benchmark shattering records last week. The S&P 500 also settled at a historic peak Thursday before drifting slightly lower to 2,929.67 a day later; in five days, it rose 0.85%. For the Nasdaq Composite, the story was different: it declined 0.29% last week to 7,986.96.1,2

AUGUST WAS A FLAT MONTH FOR HOME BUYING

The National Association of Realtors declared the pace of existing home sales unchanged from July in its August snapshot of the residential real estate market. Economists surveyed by Reuters anticipated an advance of 0.3% after four consecutive months of retreats. Sales were down 1.5%, year-over-year, through August, but existing home inventory grew 2.7% during the same 12 months; that marked the first annualized increase in the supply of homes for sale since 2015. The median existing home price in August: $264,800, 4.6% higher than a year ago.3

HOUSING STARTS JUMP; BUILDING PERMITS FALL

Starts and permits went opposite ways during August, according to the Census Bureau’s latest look at U.S. residential construction activity. Groundbreaking increased 9.2% in the eighth month of the year, but permits for new developments declined by 5.7%.4

OIL CLIMBS TO A 2-MONTH PEAK

WTI crude settled at $70.78 per barrel on the New York Mercantile Exchange on Friday, charging 2.6% for the week. This was crude’s best closing price since July 13, preceding a critical meeting of OPEC nations and their allies to address potential supply problems in the fourth quarter.5

THIS WEEK

Monday offers no major earnings calls or economic reports. | The Conference Board’s latest consumer confidence index arrives Tuesday, plus a new S&P CoreLogic Case-Shiller home price index and earnings from Cintas, Jabil, KB Home, and Nike. | The Federal Reserve makes an interest rate decision Wednesday; in addition, August new home sales figures and earnings from Bed Bath & Beyond, CarMax, and Worthington Industries appear. | Accenture, ConAgra Brands, and Rite Aid present earnings Thursday, complementing the latest initial jobless claims numbers, the third estimate of Q2 economic expansion, and reports on August housing contract activity and hard goods orders. | Friday, August personal spending figures are released, plus the August PCE price index, the final September consumer sentiment index from the University of Michigan, and earnings from BlackBerry.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA8.1919.6114.6214.28
NASDAQ15.7024.3622.3226.65
S&P 5009.5817.1614.2714.27
REAL YIELD9/21 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.920.440.521.85
 Sources: wsj.com, bigcharts.com, treasury.gov - 9/21/182,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.15" saved_tabs="all" custom_padding="24px|16px|24px|16px" background_color="rgba(14,112,249,0.16)" global_module="1444"]

Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - foxbusiness.com/markets/stock-futures-point-to-added-gains-after-record-day [9/21/18]2 - markets.wsj.com/us [9/21/18]3 - reuters.com/article/us-usa-economy-housing/u-s-existing-home-sales-unchanged-in-august-idUSKCN1M026A [9/20/18]4 - investing.com/economic-calendar/ [9/21/18]5 - marketwatch.com/story/us-oil-ends-week-at-2-month-high-books-second-straight-weekly-advance-2018-09-21 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/21/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/21/18] [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Retirement Planning After 60

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If you're over 60, your retirement plan should be shifting.

Provided by Meld University

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.15"]If you’re over the age of 60, you likely hit your peak earning years in the thick of the Great Recession.Between late 2007 and mid-2009, 8.7 million jobs were lost. Raises stagnated, and retirement savings took a beating. In total, the financial crisis wiped out $3.4 trillion in retirement savings. For those who were fast-approaching retirement age, that meant their task had shifted — from building up a solid nest egg to getting themselves back to where they’d started.Now, 10 years later, the economy has recovered, and you are moving even closer to retirement. That means your financial planning strategy needs another shift.

What’s the most important thing to consider in retirement planning after 60?

The short answer is, the amount of risk you assume.Conventional wisdom says that your portfolio should become less risky as you age, with a gradual shift toward safer investments. The thinking behind that is, the older you get, the less time you have remaining to recover from a significant loss.Considering the extended bull market we’re currently experiencing, that advice is more sound than ever.

How do I know if my retirement plan is on track to meet my goals?

Take the time to sit down with your CERTIFIED FINANCIAL PLANNER® and review your asset allocation, with an eye toward protecting your investments. But remember: Balance is key. You probably don’t need to avoid stocks altogether. After all, that’s where you stand to gain the most. But this all depends on how much return you need to meet the goals of your retirement plan. At this age, you should have well defined goals and be well on your way to meeting them. If you haven’t set goals, don’t panic. A CFP® can help you understand your position and set goals, while a Situational Investment Plan can highlight what you need to do to meet those goals.

What should I do with my 401k or IRA after 60?

If you’re still working, keep contributing.Catch-up provisions for retirement accounts allow those over the age of 50 to increase their contributions to a 401k or IRA. For example, individuals with IRAs can contribute up to $6,500 per year after 50. And those with a 401k can contribute up to $24,000 per year. If you’re working for a company that provides a 401k match, that can provide a significant boost to your savings in the years leading up to retirement. It is important to note, however, that employers do not have to match the full catch-up provision, so ask your company about its policies to understand the extent of the benefit.

How does debt factor into retirement planning after 60?

Debt isn’t always a bad thing. But it can become a problem when you’re dealing with high interest rates — especially after 60.Money spent on interest is money you can’t invest in retirement, so consider transferring high-interest credit card balances to cards with lower rates when possible. If you are still paying down your mortgage, you may want to evaluate refinancing options. Or maybe it’s time to downsize and cut your mortgage — and the corresponding interest payments — down to size. The bottom line is there are many options, and a CFP® is a great resource to help you sort through them.

How do I know if I’m on track to have enough money when I retire?

You need insight into your investment portfolio and what you can expect from Social Security, a pension or other income sources, for sure. You also need a monthly spending budget. For many people, this can be a daunting task.Keeping track of your monthly spending habits and expenses is more important after 60 than ever before. That’s because your income in retirement is likely to drop below pre-retirement levels. That shift can be a shock to the system and can cause some retirees to churn through retirement savings at a more rapid clip than they would like.Enlisting a CFP® to help set your goals is a great start, but you need a plan of action. That is why we have developed our proprietary Situational Investment Plan to streamline your retirement planning. If you’re curious, click here to learn more about how Situational Investing can help you.Remember: The average retirement lasts 18 years. For many of us, it will last much longer. You’re playing the long game, and you need to plan accordingly.[/et_pb_text][et_pb_text admin_label="Article Footer - Text" _builder_version="3.15" saved_tabs="all" global_module="2010"]To learn more about planning your retirement, visit Meld University where we provide a wealth of articles and in-person classes to help you be successful in your retirement plan. If you are looking for help or advice about your retirement, contact us to schedule a meeting with our team.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="WSS Fine Print - Text" _builder_version="3.15" text_font_size="10px" custom_css_main_element="font-size:10px important!;" saved_tabs="all" global_module="1711"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by Workspace Solutions, LLC, and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update - 9/17/2018

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Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.15"]

Meld University Presents:

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Weekly Economic Update

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Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]If you recently received a promotion or raise, you need not spend more money simply because you have it. Counter the temptation to buy this or that with the question “Do I really need this?” Living within your means could leave you with more money to save and invest for the future.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]“The greatest pleasure in life is doing what people say you cannot do.”Walter Bagehot[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]It takes a crew of eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]What is long and narrow, yet can look far and wide?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A telescope.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 17, 2018CONSUMER SENTIMENT EXCEEDS EXPECTATIONSIn its initial September edition, the University of Michigan’s monthly consumer sentiment index rose 4.6 points to 100.8, a 6-month high. Economists polled by Bloomberg had forecast a reading of 96.6. Fifty-six percent of households responding to the survey said that they had made recent financial gains; the all-time high for the survey is 57%, recorded in both March 2018 and February 1998. The index’s future expectations gauge reached a 14-year peak of 91.1.1RETAIL SALES ALMOST FLAT IN AUGUSTThe 0.1% August advance was the smallest monthly gain since February. Core retail purchases (which exclude the automotive, food, and home improvement categories) rose by the same amount. The Department of Commerce did revise the July numbers upward: the overall retail sales increase in that month went to 0.7%; the core retail sales gain, to 0.8%.2ANNUALIZED INFLATION DECREASESAugust’s Consumer Price Index shows 12-month inflation at 2.7%, down from 2.9%. Yearly core inflation retreated similarly, lessening from 2.4% to 2.2% last month. The headline CPI rose 0.2% in August; the core CPI, 0.1%. Both the headline and core Producer Price Index declined 0.1% in August, significantly reducing their annualized gains. Twelve-month wholesale inflation shrank 0.5% to 2.8%, while yearly core wholesale inflation retreated to 2.3% from 2.7%.3A POSITIVE FIVE DAYS FOR EQUITIESAll three major stock indices advanced last week. The Dow Industrials gained 0.92% to reach 26,154.67 at Friday’s close. Settling at 8,010.04 Friday, the Nasdaq Composite was up 1.36% for the week. The S&P 500 improved 1.16% to 2,904.98. The main barometer of Wall Street volatility, the CBOE VIX, fell 18.88% for the week to 12.07.4THIS WEEKFedEx announces earnings Monday. | AutoZone, Cracker Barrel, and General Mills present earnings Tuesday. | On Wednesday, the Census Bureau provides a snapshot of August residential construction activity, and Red Hat reports quarterly results. | Investors consider August existing home sales numbers, a new initial jobless claims report, and earnings from Darden Restaurants, Micron Technology, Steelcase, and Thor Industries on Thursday. | Nothing major is slated for Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA5.8117.8014.0213.96
NASDAQ16.0324.5923.0426.74
S&P 5008.6516.4014.4214.36
REAL YIELD9/14 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.890.350.801.70
Sources: wsj.com, bigcharts.com, treasury.gov - 9/14/184,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - bloomberg.com/news/articles/2018-09-14/u-s-consumer-sentiment-rises-to-six-month-high-above-estimate [9/14/18]2 - cnbc.com/2018/09/14/us-retail-sales-august-2018.html [9/14/18]3 - investing.com/economic-calendar/ [9/14/18]4 - markets.wsj.com/us [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/14/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/14/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update - 9/24/2018

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Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H2 - Text" _builder_version="3.12.2" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd" header_2_font="Alegreya SC||||||||" header_2_font_size="48px"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]In a two-parent household, both parents may want to consider life insurance coverage, even if one of them does not work. Money from the life insurance policy can help a surviving spouse pay for child care and education expenses.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]Learning to ignore things is one of the great paths to inner peace.”Robert J. Sawyer[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]You go into the forest and get it, you sit down to find it, and then you go home, just wanting to get it out. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]It takes eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]No time at all, for you cannot dig half a hole.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 24, 2018

BLUE CHIPS HIT A 2018 HIGH

On Thursday, the Dow Jones Industrial Average saw its best close since January. Friday took the index even higher, to another record settlement of 26,743.50. That capped a 2.25% weekly advance. The Dow was not the only major benchmark shattering records last week. The S&P 500 also settled at a historic peak Thursday before drifting slightly lower to 2,929.67 a day later; in five days, it rose 0.85%. For the Nasdaq Composite, the story was different: it declined 0.29% last week to 7,986.96.1,2

AUGUST WAS A FLAT MONTH FOR HOME BUYING

The National Association of Realtors declared the pace of existing home sales unchanged from July in its August snapshot of the residential real estate market. Economists surveyed by Reuters anticipated an advance of 0.3% after four consecutive months of retreats. Sales were down 1.5%, year-over-year, through August, but existing home inventory grew 2.7% during the same 12 months; that marked the first annualized increase in the supply of homes for sale since 2015. The median existing home price in August: $264,800, 4.6% higher than a year ago.3

HOUSING STARTS JUMP; BUILDING PERMITS FALL

Starts and permits went opposite ways during August, according to the Census Bureau’s latest look at U.S. residential construction activity. Groundbreaking increased 9.2% in the eighth month of the year, but permits for new developments declined by 5.7%.4

OIL CLIMBS TO A 2-MONTH PEAK

WTI crude settled at $70.78 per barrel on the New York Mercantile Exchange on Friday, charging 2.6% for the week. This was crude’s best closing price since July 13, preceding a critical meeting of OPEC nations and their allies to address potential supply problems in the fourth quarter.5

THIS WEEK

Monday offers no major earnings calls or economic reports. | The Conference Board’s latest consumer confidence index arrives Tuesday, plus a new S&P CoreLogic Case-Shiller home price index and earnings from Cintas, Jabil, KB Home, and Nike. | The Federal Reserve makes an interest rate decision Wednesday; in addition, August new home sales figures and earnings from Bed Bath & Beyond, CarMax, and Worthington Industries appear. | Accenture, ConAgra Brands, and Rite Aid present earnings Thursday, complementing the latest initial jobless claims numbers, the third estimate of Q2 economic expansion, and reports on August housing contract activity and hard goods orders. | Friday, August personal spending figures are released, plus the August PCE price index, the final September consumer sentiment index from the University of Michigan, and earnings from BlackBerry.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA8.1919.6114.6214.28
NASDAQ15.7024.3622.3226.65
S&P 5009.5817.1614.2714.27
REAL YIELD9/21 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.920.440.521.85
 Sources: wsj.com, bigcharts.com, treasury.gov - 9/21/182,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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Upcoming Event: 

Click here for details and to register for our next Meld University event: Financial Planning – What to Expect, Why it Matters. The class will be held on Tuesday, October 16th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - foxbusiness.com/markets/stock-futures-point-to-added-gains-after-record-day [9/21/18]2 - markets.wsj.com/us [9/21/18]3 - reuters.com/article/us-usa-economy-housing/u-s-existing-home-sales-unchanged-in-august-idUSKCN1M026A [9/20/18]4 - investing.com/economic-calendar/ [9/21/18]5 - marketwatch.com/story/us-oil-ends-week-at-2-month-high-books-second-straight-weekly-advance-2018-09-21 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F21%2F17&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F20%2F13&x=0&y=0 [9/21/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F22%2F08&x=0&y=0 [9/21/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/21/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/21/18] [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Retirement Planning After 60

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.15" src="https://meldfinancial.com/wp-content/uploads/retirement-planning-situational-investing-over-sixtyfacebook.jpg" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.15" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

If you're over 60, your retirement plan should be shifting.

Provided by Meld University

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.15"]If you’re over the age of 60, you likely hit your peak earning years in the thick of the Great Recession.Between late 2007 and mid-2009, 8.7 million jobs were lost. Raises stagnated, and retirement savings took a beating. In total, the financial crisis wiped out $3.4 trillion in retirement savings. For those who were fast-approaching retirement age, that meant their task had shifted — from building up a solid nest egg to getting themselves back to where they’d started.Now, 10 years later, the economy has recovered, and you are moving even closer to retirement. That means your financial planning strategy needs another shift.

What’s the most important thing to consider in retirement planning after 60?

The short answer is, the amount of risk you assume.Conventional wisdom says that your portfolio should become less risky as you age, with a gradual shift toward safer investments. The thinking behind that is, the older you get, the less time you have remaining to recover from a significant loss.Considering the extended bull market we’re currently experiencing, that advice is more sound than ever.

How do I know if my retirement plan is on track to meet my goals?

Take the time to sit down with your CERTIFIED FINANCIAL PLANNER® and review your asset allocation, with an eye toward protecting your investments. But remember: Balance is key. You probably don’t need to avoid stocks altogether. After all, that’s where you stand to gain the most. But this all depends on how much return you need to meet the goals of your retirement plan. At this age, you should have well defined goals and be well on your way to meeting them. If you haven’t set goals, don’t panic. A CFP® can help you understand your position and set goals, while a Situational Investment Plan can highlight what you need to do to meet those goals.

What should I do with my 401k or IRA after 60?

If you’re still working, keep contributing.Catch-up provisions for retirement accounts allow those over the age of 50 to increase their contributions to a 401k or IRA. For example, individuals with IRAs can contribute up to $6,500 per year after 50. And those with a 401k can contribute up to $24,000 per year. If you’re working for a company that provides a 401k match, that can provide a significant boost to your savings in the years leading up to retirement. It is important to note, however, that employers do not have to match the full catch-up provision, so ask your company about its policies to understand the extent of the benefit.

How does debt factor into retirement planning after 60?

Debt isn’t always a bad thing. But it can become a problem when you’re dealing with high interest rates — especially after 60.Money spent on interest is money you can’t invest in retirement, so consider transferring high-interest credit card balances to cards with lower rates when possible. If you are still paying down your mortgage, you may want to evaluate refinancing options. Or maybe it’s time to downsize and cut your mortgage — and the corresponding interest payments — down to size. The bottom line is there are many options, and a CFP® is a great resource to help you sort through them.

How do I know if I’m on track to have enough money when I retire?

You need insight into your investment portfolio and what you can expect from Social Security, a pension or other income sources, for sure. You also need a monthly spending budget. For many people, this can be a daunting task.Keeping track of your monthly spending habits and expenses is more important after 60 than ever before. That’s because your income in retirement is likely to drop below pre-retirement levels. That shift can be a shock to the system and can cause some retirees to churn through retirement savings at a more rapid clip than they would like.Enlisting a CFP® to help set your goals is a great start, but you need a plan of action. That is why we have developed our proprietary Situational Investment Plan to streamline your retirement planning. If you’re curious, click here to learn more about how Situational Investing can help you.Remember: The average retirement lasts 18 years. For many of us, it will last much longer. You’re playing the long game, and you need to plan accordingly.[/et_pb_text][et_pb_text admin_label="Article Footer - Text" _builder_version="3.15" saved_tabs="all" global_module="2010"]To learn more about planning your retirement, visit Meld University where we provide a wealth of articles and in-person classes to help you be successful in your retirement plan. If you are looking for help or advice about your retirement, contact us to schedule a meeting with our team.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.105" background_layout="light" saved_tabs="all" global_module="1444"]

Click here to register for our next event, "Investment Planning: From Growth to Income".

[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="WSS Fine Print - Text" _builder_version="3.15" text_font_size="10px" custom_css_main_element="font-size:10px important!;" saved_tabs="all" global_module="1711"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by Workspace Solutions, LLC, and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update - 9/17/2018

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.12.2" saved_tabs="all" custom_padding="24px|16px|24px|16px" background_color="rgba(14,112,249,0.16)" global_module="1444"]

Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.15"]

Meld University Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H2 - Text" _builder_version="3.12.2" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd" header_2_font="Alegreya SC||||||||" header_2_font_size="48px"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.15"]If you recently received a promotion or raise, you need not spend more money simply because you have it. Counter the temptation to buy this or that with the question “Do I really need this?” Living within your means could leave you with more money to save and invest for the future.[/et_pb_text][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.15"]“The greatest pleasure in life is doing what people say you cannot do.”Walter Bagehot[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.15"]It takes a crew of eight workers four hours to dig a 30’ hole in the ground. How long would it take them to dig half a hole?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.15"]What is long and narrow, yet can look far and wide?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.15" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A telescope.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.15" background_color="#ffffff"]September 17, 2018CONSUMER SENTIMENT EXCEEDS EXPECTATIONSIn its initial September edition, the University of Michigan’s monthly consumer sentiment index rose 4.6 points to 100.8, a 6-month high. Economists polled by Bloomberg had forecast a reading of 96.6. Fifty-six percent of households responding to the survey said that they had made recent financial gains; the all-time high for the survey is 57%, recorded in both March 2018 and February 1998. The index’s future expectations gauge reached a 14-year peak of 91.1.1RETAIL SALES ALMOST FLAT IN AUGUSTThe 0.1% August advance was the smallest monthly gain since February. Core retail purchases (which exclude the automotive, food, and home improvement categories) rose by the same amount. The Department of Commerce did revise the July numbers upward: the overall retail sales increase in that month went to 0.7%; the core retail sales gain, to 0.8%.2ANNUALIZED INFLATION DECREASESAugust’s Consumer Price Index shows 12-month inflation at 2.7%, down from 2.9%. Yearly core inflation retreated similarly, lessening from 2.4% to 2.2% last month. The headline CPI rose 0.2% in August; the core CPI, 0.1%. Both the headline and core Producer Price Index declined 0.1% in August, significantly reducing their annualized gains. Twelve-month wholesale inflation shrank 0.5% to 2.8%, while yearly core wholesale inflation retreated to 2.3% from 2.7%.3A POSITIVE FIVE DAYS FOR EQUITIESAll three major stock indices advanced last week. The Dow Industrials gained 0.92% to reach 26,154.67 at Friday’s close. Settling at 8,010.04 Friday, the Nasdaq Composite was up 1.36% for the week. The S&P 500 improved 1.16% to 2,904.98. The main barometer of Wall Street volatility, the CBOE VIX, fell 18.88% for the week to 12.07.4THIS WEEKFedEx announces earnings Monday. | AutoZone, Cracker Barrel, and General Mills present earnings Tuesday. | On Wednesday, the Census Bureau provides a snapshot of August residential construction activity, and Red Hat reports quarterly results. | Investors consider August existing home sales numbers, a new initial jobless claims report, and earnings from Darden Restaurants, Micron Technology, Steelcase, and Thor Industries on Thursday. | Nothing major is slated for Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA5.8117.8014.0213.96
NASDAQ16.0324.5923.0426.74
S&P 5008.6516.4014.4214.36
REAL YIELD9/14 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.890.350.801.70
Sources: wsj.com, bigcharts.com, treasury.gov - 9/14/184,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.12.2" saved_tabs="all" custom_padding="24px|16px|24px|16px" background_color="rgba(14,112,249,0.16)" global_module="1444"]

Upcoming Event: 

Click here for details and to register for our next Meld University event: What Baby Boomers Need to Know about Medicare Planning. The class will be held on Tuesday, September 18th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.15" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.CITATIONS:1 - bloomberg.com/news/articles/2018-09-14/u-s-consumer-sentiment-rises-to-six-month-high-above-estimate [9/14/18]2 - cnbc.com/2018/09/14/us-retail-sales-august-2018.html [9/14/18]3 - investing.com/economic-calendar/ [9/14/18]4 - markets.wsj.com/us [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F14%2F17&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F13%2F13&x=0&y=0 [9/14/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F15%2F08&x=0&y=0 [9/14/18] 6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [9/14/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [9/14/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


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