What's New? Newsletter.pdfSubject: Feddern Financial Consulting Group Newsletter What's New? Feddern Financial Consulting Group In this issue this website on a regular basis TODAY'S

Subject: Feddern Financial Consulting Group Newsletter

What's New? Feddern Financial Consulting Group

In this issue

www.usdebtclock.org...Check this website on a regular basis

TODAY'S 401-k Asset Allocation Changes.

And Now It Begins to Get...REALLY CONFUSING

1st Article-A Roth for your Kids and Grandkids

KEYS TO THE BEGINNING OF A RECOVERY

2nd Article-Tatical Asset Allocators......That's US

Fixed Annuities are Taking the Markets by Storm

AAII/LUG's Group Info

Rick Ackerson's Predictions for 2012...Here they are:

Ladies and Gentlemen: I have acquired access to a special LIVE webcast from my friend Marty Weiss for THURSDAY OCT 25 at 12 Noon here in my office conference room. We will use our 6' projection screen.

Marty's will discuss the up-coming election and how it will affect the investment climate. AND as an added bonus, he will have with him, NEWT GINGRICH as a guest. Regardless of your political persuasion, it will be a very valuable and interesting time. As those of you know who have attended his webcasts with me, he NEVER disappoints. For those of you who are local and since my conference room has limited seating of 10 people, It'll have to be first-come first-served on reservations. 502-442-2049 office phone [email protected]

Ladies and Gentlemen: We always state that people do not invest in the markets; they invest in their beliefs about the markets. In that same way, we like to point out that these missives reflect our beliefs. If our beliefs and your beliefs are not the same, you may not find any of this useful. However, if your beliefs are not congruent with ours, then this information may not be useful to you. Thus, if you are inclined to do some sort of intellectual exercise to prove one of our beliefs wrong, simply remember that everyone can usually find lots of evidence to support their beliefs and to refute others. Just simply know that we admit that these are really our beliefs and that your beliefs just might be different.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

ww.usdebtclock.org

Check this website on a regular basis It's truly eye-opening.

We just past the $16 T-mark

--------------------------------------------------------------------- Here's Another One:

http://finance.yahoo.com/blogs/breakout/not-

facebook-retailer-141641344.html

----------------------------------------------------------------------- AND Another One:

http://finance.yahoo.com/blogs/daily-ticker/stocks-

rise-q4-history-guide-170005273.html

TODAY'S 401-k Asset Allocation Changes ~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Feddern Ultimate 401-k (40 No-Load Index Funds) Welcome Dynamark Graphics Group

NO CHANGE

(BE AWARE OF THE RISKS especially in Bonds)

--------------------------------------------------------------------------------------

Ahead Human Resources (34 Load-Waived Funds) NO CHANGE

(BE AWARE OF THE RISKS especially in Bonds)

--------------------------------------------------------------------------------------

Kentucky Off-Track Betting (33 Load-Waived Funds) NO CHANGE

(BE AWARE OF THE RISKS especially in Bonds)

VISIT OUR WEBSITE FOR SPECIFIC RECOMMENDATIONS www.fedderngroup.com

---------------------------------------------------------------------------------------

We hsve added a new set of indicators provided to me by the folks at NetSignal which are used for the broad markets and give a general indicator of BUY or SELL.

The following market signal changes were issued as of:

US STOCKS - BUY (6-30-2012) FOREIGN STOCKS- SELL (10-1-2012)

EMERGING MARKETS - BUY (6-30-2012) GOLD - BUY (5-31-2012)

(If your company's 401-k could use our expertise in active asset allocation, let me know. We have a daily monitoring service that is designed to mitigate the downside risk for the participants. We did not lose any money in 2008! We doubt that your current provider - broker, agent, representative, trust officer, etc. has any concept of fiduciary responsibility and how to provide you and the others with meaningful, DAILY advice on what to own, when, AND how much...and most importamtly WHEN NOT TO OWN!!!!)

And Now It Begins to Get REALLY CONFUSING

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Here's Mike Turner's latest S&P 500 chart from his CycleProfit work:

As you can see, the above forecast does not lack for volatility and since the model does not forecast exogenous events, it will not surprise me to see far more volatility in the market than is represented above. What we'd like to do is to catch the mid-JAN - mid-FEB move UP; the mid-MAR - mid-MAY DOWN and especially the mid-SEP - NOV UP! No guarantees; but we'll be watching this every day. But, if this forecast proves to be reasonably accurate, my strategy of playing both long and short-biased trades simultaneously, should work out nicely. As glad as I am to see 2011 come to a close, I am very eager to see 2012 unfold. I suspect there will be some incredible money-making opportunities in the 2012 market! Although I do not use only one chart for all my trading strategies, I will use the above SPY forecast to give you an idea about how I plan to put the 'delta-neutral-covered-call' strategy described above, to work... Between now and mid-February, my bias would tend to be toward more bull-biased trades than bear-biased trades. However, I would still have both biases in play. Between early March and mid-May, my bias would tend to be more toward bear-biased trades than bull-biased trades. But, just like I plan to do in a bullish market by having some bear-biased trades, in a bearish market, I will have some bull-biased trades.

TODAY'S NEWS:

STRATEGY

Are YOU Part of This Group of 77%?

More than three-fourths of Americans familiar with retirement accounts are interested in investing their individual retirement accounts (IRAs) in alternative assets. Despite the interest, 44% do not understand how to achieve that goal, according to opinion research from PENSCO. The PENSCO Market Barometer, which polled investors and high-net-worth advisers, also found that eight in 10 advisers say their clients are interested in investing in alternative assets, but only 10% of the advisers offer that capability. We at FFCG are on the cutting edge of alternative investments, both IN and OUT of the retirement platforms. The research also found that two-thirds of advisers say that investing in alternative assets can build wealth for clients, and 82% of advisers expressed interest in providing this option to clients. Investors and clients agree that the top alternative investments are real estate, precious metals and private equity. PENSCO conducted the research with San Francisco-based Koski Research. The firm polled 1,000 people across the country from February 6 to 10, 2012, and 365 financial advisers with more than $10 million in assets under management from February 7 to 17, 2012. FFCG was part of the survey. And we have 6-8 Managed accounts in this area.

A Roth for your Kids and Grandkids

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Making modest contributions during a child's teenage years can add up to a good amount by retirement. It's also tax smart. Shutterstock.com Working at a tender age is an American tradition. I'm sure lots of kids did just that over the summer, and some are still be doing it after school and over the weekends. What isn't so traditional is the notion of kids contributing to their own Roth IRAs. It should be a tradition, because it's such a good idea. Here's the scoop.

Roth Contribution Basics All that's required to make a Roth contribution is having some earned income for the year. Age is completely irrelevant. So if your child earns some cash from a summer job, or part-time work after school - or whatever really - the kid is entitled to make a Roth contribution. For the 2012 tax year, your child can contribute the lesser of: (1) earned income or (2) $5,000. These contribution limits apply equally to Roth IRAs and traditional IRAs, but the Roth alternative is the way kids should go in most cases - for reasons I'll explain. How Much Retirement-Age Money Are We Talking About? By making Roth contributions for just a few years during his or her teenage years, your child can potentially accumulate a good sum of money by retirement age. (I know you don't want to think about your baby with gray hair, but it will happen.) Realistically, most kids won't be willing to contribute the $5,000 maximum to a Roth IRA, even when they have enough earnings to do so. Try talking your teen into saving everything he or she makes instead of spending it at the mall and online. Good luck! Be satisfied if you can convince the kid to contribute at least a meaningful amount each year. Here's what could happen. *Say your 15-year-old pays $1,000 into a Roth IRA each year for three years, starting this year. After 45 years (when your gray-haired "kid" is 60), the account would be worth over $25,000 - assuming a 5% annual rate of return. If you assume a more-optimistic 8% return, the account would be worth just under $89,000. *Say your child contributes $1,500 for each of the three years. With a 5% annual rate of return, the Roth account would be worth about $38,000 in 45 years. At 8%, it would be worth about $132,000. *If your kid contributes $2,500 for each of the three years. With a 5% return, the Roth account would be worth about $64,000 in 45 years. At 8%, the number jumps to a whopping $222,000. You get the idea. These are not trivial sums, even though the yearly contributions are modest.

Roth IRAs Are Usually Better for Kids than Traditional IRAs For a kid, contributing to a Roth IRA is usually a much better idea than contributing to a traditional IRA for several reasons.

First, your child can later withdraw all or part of the Roth contributions - without any federal income tax or penalty - to pay for college or for any other reason. (Roth earnings generally cannot be withdrawn federal-income-tax-free before age 59½.) Even though Roth contributions can be withdrawn without any federal tax hit, the best strategy is to leave as much of the account balance as possible untouched until retirement age. That way, your child could accumulate the amounts mentioned earlier and never owe any federal income tax on those amounts. But if money must be withdrawn from a Roth IRA, it can be done tax-free up to the cumulative amount of contributions. Flexibility is a good thing. In contrast, if your child contributes to a traditional deductible IRA, any subsequent withdrawals will be taxed. Even worse, payouts before age 59½ will be hit with a 10% penalty tax, unless the money is used for certain IRS-approved reasons (one of which is to pay college costs, thankfully). What about tax deductions for IRA contributions? Good question. Your child won't get any for Roth pay-ins, but the kid probably won't get any meaningful tax deduction for contributing to a traditional IRA either. That's because an unmarried dependent child's standard deduction will shelter up to $5,950 of earned income (for 2012) from federal income tax. Any additional income will be taxed at low rates. So unless your child has enough income to owe a significant amount of tax (pretty unlikely), the theoretical advantage of being able to deduct traditional IRA contributions is mostly or entirely worthless to your child. Since that's the only advantage a traditional IRA has over a Roth IRA, the Roth option is almost always the best option.

The Last Word Encouraging your working kid to make Roth IRA contributions is a great way to introduce the ideas of saving and investing for the future. Plus there are tax advantages. It's never too soon for your child to learn about taxes and how to legally minimize them. After all, it's basically a game, and kids love games

KEYS TO THE BEGINNING OF A RECOVERY

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

1. The Real Estate market must stabilize. If not reversing, at least not continuing to fall. Inventory still huge and getting worse! The National COMMERCIAL COLLAPSE IS JUST BEGINNING! Hold on to your hat. This is a superior example of government stimulus gone awry. The

consensus is that housing will decline another 20-30% from current levels... and probably THIS YEAR! However, one dichotomy is that the best performing sector in 2011 was Real Estate; and the first 1/2 of 2012 RE is also leading the way...go figure. Rental units are highly coveted.

2. Unemployment must stabilize. If not reversing, at least not continuing to rise. Last report was indeed unstable! AND IT CONTINUES TO REMAIN ABOVE 8%! The REAL RATE is much closer to 20% if you really count ALL without a job! Of course there's very little motivation to really search for a job with unemployment payments now running 99 weeks!!!

3. Corporate earnings (profits) must stabilize. If not reversing, at least not continuing to fall. SOME POSITIVE SIGNS. But top line growth (new sales) have just not been there. There's just so much cost cutting that can be done. We'll see what the rest of 2012 brings.

4. Banks must begin to make loans again (especially to small businesses and potential home owners... albeit under ancient premises of buyers being qualified and of all things, a down payment! Lots of "hoopla" from the mega banks, but it appears that there's no real progress. They're hoarding any cash they can get their hands on. And that probably includes Helicopter Ben's newest $600 BILLION! And now, here comes Regional problems compounded by PRIME loan, Alt-A resets in the Commercial end! Beware of your bank's ratings. Community Banks offer the best deal! We are checking them out at least weekly. Call me. I have some personal experience here.

5. The DOLLAR has to decline. It's started for REAL But now with the Euro going down the tubes today and rallying tomorrow, the dollar seems to be the best of the worst.

6. Auto sales must stabilize at some NEW level. Maybe started! 7. The consumer must get "back in the game of consumin" -

NO WAY (except for the carzy APPLE IPhone) ... NOT YET at any rate!

ANALYSIS OF THE ABOVE: NO Real Hope YET! - 10/19/2012

Tatical Asset Allocators...

That's US! -------------------------------------------------------------------------------------------

A growing number of Wall Street pros market themselves as "tactical" allocators. But just what does that mean? Since the 2008 crash, more financial advisers have been reassuring their clients by embracing "tactical investing"-basically, shifting money among different asset classes to dodge market crises. The problem, some critics say, is that so many money managers have now adopted the "tactical" label that there is confusion as to what it truly means. For clients, that could mean scary moments in a potentially rocky fourth quarter, where political and economic currents are leading many advisers to recommend portfolio changes. Tactical investing grew in popularity during the financial crisis in part because traditional "buy and hold" investors incurred such steep losses Asset managers who reacted quickly to the tumble, often by shifting a lot of money into cash, boosted the reputation of the tactical approach by shielding their clients from some losses. Investors' interest has kept growing even as the markets have rebounded. A 2012 survey by Curian Capital, a Denver investment firm, found that 63% of advisers say they're employing more tactical strategies, and that the number of advisers who say their clients are requesting such strategies has risen sharply since last year. "The buy-and-hold of the '90s is the buy-and-hope of today-the strategy isn't working," says Donald L. Dillingham, president of Merit Advisors in Oklahoma City and an adviser who says he's advocated a tactical approach "for the last 25 years." Yet, with no official definition of what makes an adviser "tactical," a range of contradictory ideas fits under the umbrella. Some self-identified tactical advisers, for example, now advocate a strong position in stocks-albeit defensive ones. Ron Weiner, chief executive of RDM Financial Group in Westport, Conn., likes U.S. large caps. Others are moving to cash: Patrick Robert, chief executive of PKR Investments in St. Louis, Mo., is nearly doubling the cash allocation in his model portfolio, to 9 %. "Given all the uncertainty, we are telling clients to put some money on the sidelines," he says. The take-away may be that tactical is less a strategy than a philosophy-that

markets demand attention and action. But how does an investor know what, exactly, his adviser means by "tactical"? And how can you tell smart tactical trading from trigger-happy market timing? IT has been our process here at FFCG to have developed a definitive methodology that we follow on a daily basis REGARDLESS of market conditions and flucuations! Financial experts say clients shouldn't be afraid to ask about how often the adviser looks at the portfolio and what events might prompt the adviser to make allocation changes. Another sign that an adviser has a more sophisticated understanding of tactical investing: the use of alternative investments, such as master limited partnerships or non-traded real-estate investment trusts, which can serve as a hedge during a stock market decline, explains Sandra Motusesky, a director of investment solutions at Pershing, a financial-services company. Just as important: A tactical adviser doesn't have to make enormous changes. If anything, some argue, the approach should involve smaller moves and even contrarian plays; if advisers aren't thinking along those lines, they may be tactical in name only. "Our business is fraught with people who say they are one thing, and they're not even sure of the definition of it," says Mr. Weiner.

Fixed Annuities are Taking the Markets by Storm THE VERY LATEST!

Last Fall, Jerry Hahn, (our insurance specialist), and I spent an entire day in Indianapolis AND Batesville, IN at the Forethought Insurance Company corporate headquarters. We met with a vast array of players from the company's Senior VP's to the CFO to what appeared to be EVERYONE that's ANYONE that has anything to do with their THREE fixed-indexed-bonus annuities. Apparently, they have very few advisors come to town to "kick the tires," and they actually seemed more than eager to accommodate us and address all of our questions...not the least of which is "How do they structure these annuities to allow a bonus from day one AND a generous annual growth % so that after 10 years the income account has doubled?" In other words, show me! They were very open and

straight-forward. The time with the CFO was very enlightening. He was very open to sharing with us the financials of the company AND their investment strategies and process. In fact, we have their entire corporate financial report in our office. You'd think of insurance companies as being conservative, but after the last financial melt-down we wanted to see what happened to them in 2008 AND how are they positioned for the current economic situation that as you know I believe is could really be dire. They're invested even more in cash than we are! They make changes (or at least meet) daily to adjust the financial projections and liabilities. Nothing is left to chance! The upper management has placed the company in a solid financial framework going forward, and we can rely on the annuity platforms to perform exactly as advertised. They have diversified their investment accounts throughout all the major banks AND have hired BlackRock (the major US Fixed Income manager) as manager and consultant. In addition to fully not ottheir risks in their Corporate Bond portfolio (they do not use Governments because of the low yields and extreme volatility) and they also fully hedge their S&P exposure, they also use the "law of large numbers" to their advantage in issuing annuities and life insurance. That simply means that some people die too soon, and some live too long; and their models take all of that into account. Believe it or not, they have nearly an entire floor of actuaries that do these calculations on a regular basis. The Operations function (involving some 200 people) is 70 miles east of Indy in Batesville where the company originated by offering pre-paid funeral policies! In fact, their four-story office building is in the same office park with the Batesville Casket Company and Hillenbrand Industries. Forethought has just been placed once again in the Ward's Top 50 Insurance Companies for the past FIVE years! Check out wardinc.com to see the entire list of life and health insurance companies. It's really interesting to observe who's NOT in the list! The general details of the three annuities are stated below.

Option 1: A Fixed rate annuity...Fixed at 6% for ten years. This product offers everyone a 15% BONUS from the very first day. If you do the math: $100,000 invested is amplified by $15,000 additional from them, PLUS a 6% annual interest rate that is COMPOUNDED on the entire amount. If you hold this investment for ten years before beginning to withdraw income, you will double your money from which you can then begin taking income...get this...FOR THE REST OF YOUR LIFE! Option 2: A similar fixed rate annuity that offers a 25% signing bonus... this product compounds at 5% annual interest instead of 6% for the ten year investment period. This product also doubles in value if you do not take any income from it for 10 years. Both of these fixed annuity products allow you to withdraw before the ten years are up, but this option will have a slightly higher value for early distribution because it has a larger initial bonus. This is a choice for someone who anticipates a need for income before 10 years. Option 3: A recentlyintroduced fixed annuity product by Forethought that pays a 5% initial bonus and compounds annually at 6%. AND if you hold it for the full ten years without taking distributions, Forethought will pay out 8% annually for at least 4-6 years before reverting to the 5-6% standard level for the rest of your life. You also have the option of extending the annuity for an additional 10 years if you do not need to begin the income phase.

Option 4: A "new for us" fixed annuity by Fidelity Guarantee contains an 18% initial bonus and compunds at 6.5% annually. This annuity can be held up to 14 years and life-time income may begin any time after the first year. Your original amount will double in value at the 10-year mark! ----------------------------------------------------------------------------------------------- These types of "guaranteed" income investments are very useful for anyone looking for long-term enhanced rates over typical CDs. Now I know that some of you are saying, "This is too good to be

true." But I'm here to tell you it IS TRUE. Now, try to put aside all of the war stories you've heard about annuities...actually those stories probably stem from so-called "variable" annuities typically sold by brokers, banks, and insurence agents. These are VERY LUCRITIVE for these financial product salesmen! Over the past THREE years, the markets have been mostly TOO volatile to invest your serious money. If you did, SORRY, but you've probably lost a substantial amount of money yet again. And if you're not careful, this can happen going forward when you least expect it. We here at Feddern Group have been mostly invested in cash/money markets with most of the discretionary funds entrusted to us over the past numerous years. We have had some relatively small amounts allocated from time to time to Inverse Funds, Hedged Funds, Commodities and FOREX. For those of you that are really conservative, the interest rates on CD's and Money Markets have indeed been paltry. If you have "serious" money that needs to earn a rate that will double your principal amount in ten years, you really need to contact me for ALL of the details including fees, costs, and redemption. There are also other "features" that are also available that offer real enhancements and

AAII/LUG's Group Info ============================

AAII will Meet on WEDNESDAY 11-14-2012 at the Standard Country Club at 6:00 PM.

AGENDA

See the schedule below

AAII Monthly Meetings

3rd WED of each month @ 6 P Standard CC:

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ The Standard Country Club is conveniently located off Brownsboro Road (Highway 22) in eastern Jefferson County, two miles west of the Gene Snyder Freeway (I-265), between Goose Creek and Barbour Lane. The entrance to the club is prominently marked by a sign on the left side of Brownsboro Road, when driving toward Louisville. Since this meeting is sponsored by the Louisville Chapter of the American Association of Individual Investors, you are always asked to pre-register by email to attend this program, in order for the country club to provide appropriate seating arrangements. Also, indicate if you plan to stay for the dinner afterwards. Please confirm your attendance by email to [email protected] There is a charge for attending the meeting of $10 to help defray some of our expenses And this is not a "prospecting seminar" conducted by a financial services firm selling financial products, and your email addresses will remain private and protected. You are also invited to stay for the buffet which is an additional $15 (which makes the total $25 for the meeting AND the dinner.)

About the American Association of Individual Investors From the beginning, AAII has answered the question, "Where can you go to get unbiased facts and effective knowledge about investing?" AAII was founded in 1978 to provide individual investors with effective investment education materials that with a bit of dedication could outperform the popular market averages. Over thirty years later, the 150,000 members of AAII report investment returns that are consistently higher than those of the stock market as a whole. AAII's purpose is to assist individuals in becoming effective managers of their own assets through programs of education,

information and research. AAII Louisville Chapter offers investment education to members in a "person to person" social setting at the Standard Country Club. Recent presentations in 2010 included "Economic Update" by Christopher Waller, Ph.D., Senior Vice President and Director of Research, Federal Reserve Bank of St. Louis, "Tax Ramifications of the Health Care Bill", by Joe Johnston, CPA, Strothman & Company, "Why Real Estate as Part of a Diversified Portfolio, Why Non-Traded REITs", by Scott Crawford, Regional Vice President, Realty Capital Securities, and Senator Rand Paul "A Legislative Update" Monthly chapter meetings regularly discuss attendees favorite stock and mutual fund selections, stock market timing indicators, leading and lagging sectors, and member presentations regarding how they manage their investment portfolios. In general, we discuss anything of interest to the individual investor. Whether you are an active or passive investor, you will find something of interest in the AAII Journal and our monthly meetings.

2012 Programs: Feb 15- Economic Update for 2012 - Boz Todd, Chief Investment Officer, Founder of Todd Investment Advisors, and the quintessential economist. We will also give EVERYONE in attendance a copy of our newest DVD "The Year in Review." It contains over 1000 newspaper headlines reflecting the year of 2011. Reservations requested: [email protected] OR call us at: 502-442-0363 -------------------------------------------------------------------------------------------- Mar 21- "Searching for Value" - Bill Husband (one of our own members.) Bill does all of his own research and will have a unique perspective on "value" for your portfolio. We will also dissect a portfolio of 10 Dividend paying Blue Chip Stocks from the DOW Industrials. We call it "DOW Dividend Royalty." Reservations requested: [email protected] OR call us at: 502-442-0363

---------------------------------------------------------------------------------------------- Apr 18- We will update you on Bill Husband's "Searching for Value" portfolio. Bill

does all of his own research and has a unique methodology that you need to know. We will also discuss a new portfolio of Commodity ETFs and how to profit from each one. Also the BUY/SELL Charts for our "Dow Dividend ROYALTY" portfolio of 10 select stocks from the Dow Industrials. AND Just for fun, a presentation from the folks at the Derby Festival about this year's extravaganza and its impact on the Metro economy. Reservations requested: [email protected] OR call us at: 502-442-0363 ------------------------------------------------------------------------------------------------ May 16- CANCELLED ------------------------------------------------------------------------------------------------ Jun 20- Guest Speaker: Mike Harrison - Currency Trader "How to Get Rich S-L-O-W-L-Y in Currencies" By Mike Harrison, Boca Raton, FL

Reservations requested: [email protected] OR call us at: 502-442-0363

------------------------------------------------------------------------------------------------- Jul 18- GUEST SPEAKER Mark Hottel, CPA

Mark will compare your investment fortunes and your tax liabilities between a ROMNEY win vs. an OBAMA win. Hang on to your hat pilgrims; It ain't pretty.

Reservations requested: [email protected] OR call us at: 502-442-0363

------------------------------------------------------------------------------------------------

Aug 15- GUEST SPEAKER:

Bill Husband

DIVIDEND PORTFOLIOS Reservations requested: [email protected] OR call us at: 502-442-0363

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Sep 19- GUEST SPEAKER: Bill Chandler, Founder and Former Principal of National Asset Management and Current Private Investor and Consultant "There's No Such Thing as a Bear Market... And I Can Prove It!!!" Reservations requested: [email protected]

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Oct 17-

GUEST SPEAKER:

Karen Hill, A Texas Road House ORIGINAL EMPLOYEE

"How I Did It from DAY ONE!"

Reservations requested: [email protected] OR call us at: 502-442-0363

------------------------------------------------------------------

Nov 14-

ADDITIONAL TOPICS:

Alan Greenspan's Favorite Market Indicator Has Just turned Positive

19 Stock and Bond Indicators to Help You Determine "Where We

Are" Especially Since the Election

The "Holy Grail" Stock Portfolio Using VectorVest Rules

The Absolute WORST Thing That Has Happened to Small Business

---------------------------------------------------------------------------------------------- Dec 19- ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Standard Country Club 8208 Brownsboro Rd. Louisville, KY 40241

Reservations Needed and Required (502) 442-0363 Otto Office (502) 552-2049 Otto Cell

Dinner cost $25

DON'T MISS THIS ONE!

==========================================================

ALSO ==========================================================

NOTE THE CHANGE IN DATE:

Louisville User Group (LUG) FREE - No Reservations needed

SATURDAY -OPEN- - 10:00 AM My Conference Room FEDDERN FINANCIAL CONSULTING GROUP 603 North Shore Drive - Suite 102 Jeffersonville, IN 47130 (502) 442-0363 Office (502) 552-2049 Otto Cell

PROGRAM:

Quick Links...

Visit our Website

Otto G. Feddern Feddern Financial Consulting Group 603 North Shore Drive Suite 102 Jeffersonville, IN 47130 (502) 442-0368 Office (502) 552-2049 Cell [email protected]

Rick Ackerson's Predictions for 2012

Here they are:

* After taking a strong lead in the primaries, Ron Paul will be bludgeoned

into defeat by the mainstream news media and its Evil Masters. The

Establishment has far too much to lose if Paul becomes President, and it will fight him openly and shamelessly with every

resource at its command.

* European borrowing rates will threaten to explode above 7%, pushing the PIIGS

into bankruptcy (although it won't be called that). The euro's fall will be

arrested at $1.08 nonetheless, buttressed by a Rube Goldberg

"restructuring" plan that, fortunately for the global financial system, no one will be

able to understand.

* 'Mother' nature will continue to rampage with yet more earthquakes in places

where earthquakes don't usually happen.

* Yields on U.S. Treasury Bonds will fall to 2% simply because there aren't

enough mattresses to hold the world's money.

* Despite its intrinsic worthlessness, the U.S. dollar will soar, pushing the Dollar

Index above 90.

* Toward the end of the year, deflation in the U.S. housing market will enter its

climactic stage. Before the washout ends

in late 2013, homes prices will have fallen 80% from their 2007 peaks.

* Gold will stage a powerful rally after

bottoming at $1445 in January, but the buying spree will fall well short of $2000. Silver will fare relatively worse, falling to

$18.35 before finding traction and recovering into the low $30s.

* Iran's nuclear weapons program will be

derailed, although not by economic or political sanctions.

* Bird flu and/or Fukushima radiation

could ultimately push all of the items on this list below-the-fold. Except this one:

* War will break out in the Middle East,

and it will eventually be acknowledged as the start of a Third World War.

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