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Market & Economic Brief
November 19, 2008
After attempting a rally earlier in the month, U.S. stocks broke recent support levels and established fresh lows. Commodities and World REITs have also found new lows. Many international stock markets are still maintaining previous support levels. Intermediate term U.S. treasuries continue to rally in a flight to quality. The near term bias has again turned negative for stocks.
The weekly leading and monthly coincident indexes we follow continue to weaken, suggesting more trouble ahead for the U.S. economy. Many European countries continue to report deteriorating economic conditions as well. China reported a dip in October retail sales but consumer spending has held up better than many other parts of their economy.
Producer costs fell a record 2.8% in October, led by a huge decline in energy prices. Future inflation indicators we track also continue to decline.
The Nat’l Association of Home Builders fell to its lowest level since 1985 in November. Home prices declined in 4 out of 5 cities during Q3. The FDIC has proposed using $24 bil. of the TARP funds to help stem foreclosures. The leading home price index we track rose slightly for August (the latest data available). Additional increases may signal a bottom in housing prices.
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Financial Planning
At Dightman Capital Group, a well designed financial plan will help us understand your unique goals and develop strategies to help you achieve them. By understanding the risk factors in your plan, as well as the fundamentals that drive returns for your portfolio, you are more likely to succeed in achieving your wealth creation and management goals.
We offer many financial planning services, and provide a sampling of the most popular below:
Concentrated Stock Services
- Section 16 Officer Issues
- 144 Stock Transactions
- ISO & NQUAL Stock Option Analysis
- Risk Management & Income Generation Strategies
Retirement Planning
- Asset Accumulation Strategies
- Retirement Income Evaluation
- Income Generation Strategy
- Retirement Account Distribution & Transfer Analysis
- Life, Disability & Long-term Care Insurance Analysis
College Funding
We specialize in helping high-income earning families who do not qualify for financial aid develop strategies to more effectively prepare for and potentially lower the cost of college.
- Calculate Expected Family Contribution (EFC)
- Estimate Total College Cost
- Understand Saving Strategies (529, Custodial, ESA, etc.)
- Explain Federal & Institutional EFC Differences
- Identify Potential Tax, Cash Flow, and Asset Strategies*
*Tax & cash flow strategies in coordination with your tax advisor.
Retirement Account Funding Strategy
- IRAs & ROTH IRAs
- SEP & SIMPLE IRAs
- Qualified Plans (401k)
Estate Planning
Dightman Capital offers initial estate planning consultation services with advance planning strategy referred to CPA and Estate Planning Attorney experts.
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