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Market Watch

Markets at a Glance

February 23, 2012 @ 07:42 AM

Dow Jones Industrials	12,938.67	- 27.02
Nasdaq Composite	2,933.17	- 15.40
S&P 500	1,357.66	- 4.55
10 Year Treasury Note	2.01	- 0.04

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Articles

Cash Management

Cash Management Basics

Doubling Your Money

Cash Management Tools

Money Market Funds

Biweekly Mortgages

Reverse Mortgages

Smart Financing Ideas

College Financial Aid

Savings Alternatives

Home Equity Loans

Estates & Trusts

Estate Planning

Avoiding Probate

Charitable Gifts

Controlling the Distribution

Paying Estate Taxes

Benefits of A-B Trusts

Charitable Lead Trusts

Charitable Remainder Trusts

Wealth Replacement Trusts

Family Limited Partnerships

Property Ownership

History of the Federal Estate Tax

Investing

Diversification

Closed-End Funds

Mutual Fund Loads

Fixed vs. Variable Annuities

Investment Risks

Asset Allocation

College Investment Options

Stock and Bond Alternatives

Dollar-Cost Averaging

Retirement

Planning Options

Future of Social Security

Social Security Income

Self-Employed Retirement Plans

Retirement Plan Distributions

Traditional IRAs

Managing Retirement Plans

Save Now or Save Later

Risk Management

Why Purchase Life Insurance

Property and Casualty Insurance

Business Owner Policies

Life Insurance for Business Owners

Split-Dollar Life Insurance

Last-Survivor Life Insurance

Disability Income Insurance for Business Owners

Term Life Insurance

Whole Life Insurance

Universal Life Insurance

Insurance Claims

Maximizing Your Insurance Benefits

Insuring Your Future

Protecting Your Home

Assessing Disability Income Insurance

Types of Health Coverage

Additional Liability Coverage

Evaluating Insurance Companies

Long-Term-Care Costs

Medicare Coverage

Tax Planning

Tax Strategies for Retirement Plans

Mutual Fund Profits

Tax-Free Insurance Upgrades

Newsletters

February

HOT TOPIC: Why Watch the Employment Situation

GDP: Measuring the Economy

Tracking the Rise of Target-Date Funds

Keeping Pace with Social Security

Retirement Plans for Small Businesses

Do You Have Enough Disability Coverage

January

HOT TOPIC: Looking Ahead in 2012

Growth, Value, or Both

Insurance for Two Could Benefit Your Heirs

For Better, For Worse: Communicating About Retirement

Are Consumers Holding the Keys to a Better Economy?

Retaining MVPs with Executive Bonus Life Insurance

December

HOT TOPIC: European News Causes Market Mood Swings

Be Ready for a Change in Interest Rates

Leaving Your Home Out of the Retirement Equation

Another Year, Another AMT Patch

The Financial State of the States

Help Chart the Future of Your Family Business

November

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

To Roll or Not to Roll: It's Your Choice

Giving Strategies That Can Give Back

Variable Annuities and Your Retirement Strategy

The Dynamics That Can Drive Inflation

Is Your Business Ready for a Structure Change

October

HOT TOPIC: Will Federal Reserve Tactics Help the Ailing U.S. Economy?

Ways to Save More

ETFs for the Conservative Investor

New Opportunity Under the Federal Gift Tax

Protection from a Range of Liability Claims

September

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

Bring Your Life Insurance Home From Work

Using Living Benefits for Retirement Income

Federal Estate Tax Is Much Lower — For Now

Settling on a Salary

August

HOT TOPIC: Why Global Investors Are Worried About European Debt

What Kind of Investor Are You?

Rising Popularity of Roth IRA as Retirement Vehicle

Earning Income from Mutual Funds

Evaluating Life Insurance Needs

When Key Players Can't Work

July

HOT TOPIC: Are Housing Troubles Standing in the Way of Growth?

Tips for Surviving the Estate Tax

Finding a Good Time to Invest

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

Managing Cash When Interest Rates Are Low

Put It in Writing

June

Using a Variable Annuity for Guaranteed Income

The Difference Between the Debt and the Deficit

Deciding When to Begin

Understanding the Appeal of Mutual Funds for High-Income Households

Tax Law Keeps S Corporations Attractive

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

May

HOT TOPIC: Debating the Debt Ceiling

Giving the Gift of Knowledge

Help an Inheritance Help You

Never Retire? Don't Count on It

Building a Business Versus Building Wealth

April

HOT TOPIC: Eye on Japan's Recovery Within a Recovery

Consider Your Retirement Needs, but Don't Forget Your Retirement Wants

Making Money Market Funds Work for You

Dispelling Umbrella Insurance Myths

How Interest Rates Can Influence Financial Decisions

Protect Your Business with a Disaster Readiness Plan

March

HOT TOPIC: The Federal Estate Tax Is Back and May Be Here to Stay

Help Keep Your Estate Out of Probate

Protecting What May Be Your Most Valuable Asset

Roth IRA Conversion Mistakes Can Be Costly

Another Economic Stimulus

E-Seminars

Estate Planning

Financial Management

iMoney

Retirement Vision

Inside an Annuity

The Latte Habit

The $350,000 Baby

Retirement Confidence

The Retirement Income Factor

Tax Library

Tax Publications

TaxWise Strategies

Calculators

Cash Management

Cash Flow Analysis

Lifetime Earnings

Estate Planning

Loans & Credit Cards

Home Affordability

Mortgage Refinancing

Mortgage Acceleration

Credit Card Debt

Car Affordability

Retirement & Inflation

Cost of Retirement

Impact of Inflation

Retirement Plan Early Distribution

Personal Inflation Rate

Retirement Portfolio Lifespan

Risk Management

Life Expectancy

Disability Income Insurance

Saving & Investing

College Funding

Savings Accumulation

Taxes & IRAs

Federal Income Tax

Tax-Deferred Savings

IRA Eligibility

Roth IRA Conversion

Glossary

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Contact Info

www.StarrBarnum.com

One Main Street, Suite 214

Burlington

, VT 05401
Map and Directions

Phone: 802.324.3831

barnumv_starr@nlvmail.com

Additional Pages

Securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC, Broker/Dealer and Registered Investment Adviser, 354 Mountain View Dr, Suite 200, Colchester, Vermont 05446 (802) 864-6819. All entities and individuals referenced are independent of Equity Services, Inc. unless otherwise noted. The Vermont Agency is independent of Equity Services, Inc.

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Registered Representatives of Equity Services, Inc. do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor.

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