Friday, July 31, 2015

FOTO FRIDAY - SPECIAL MUSICAL WATERCOLOR PAINTING

Today we are highlighting
an original 
MUSICAL
watercolor 
painting that
hangs over Linda's desk.

It's a music staff with colors 

that seem to be leaping to the music. 

We have a lot of people comment 

how much they like it - 

so we thought we'd share it today


Come and visit our offices and see it! 
We are located at 
4640 Nicols Road, Suite 203 in 
Eagan, MN. (Behind Doolittle's restaurant). 

We specialize in helping people

pursue financial independence 

and Medicare supplement and

long-term care insurance. 


We'll put on some coffee/tea or
hot chocolate for you too! 


Have a great day! 


Leif M. Hagen, CLU, ChFC
LPL Financial Advisor 

Linda Cross, Assistant


Call us today @ 651-209-6350

Thursday, July 30, 2015

Thursday TRAVEL TIPS! - 5 THINGS to Make Your TRAVEL LESS STRESSED

Thursday TRAVEL Tips:

  1. Pack some organic coconut oil in a tight sealed container (will melt in heat) for moisturizer on long flights for your skin and lips. Discover more at:
    http://www.prevention.com/beauty/coconut-oil-cures-your-skin-and-hair
  2. Use a bar of soap or dryer sheet in your dirty clothes bag to keep suitcase smelling good.
  3. Use packing cubes for clothes - roll up clothes and slide into the cube (partially zipped up) and continue to add more clothes until full. This will keep your suitcase organized and clothes rolled up actually are less wrinkled! You can organize cubes according to pants, shirts, socks etc. See more at http://bit.ly/1OQJ5YL
  4. Traveling overseas - Never leave home with out DUCT TAPE! It comes in handy when your trying to keep the adapter in the socket of the wall and it won't stay in. There are many times it comes in handy!
  5. Tea Tree oil (Melaleuca alternifolia) - it kills bacteria and aids the body in healing the skin and kills fungus (like athletes feet). See more information at http://www.purenewyou.com/shop/index.php?main_page=index&cPath=173


Leif Hagen, CLU, ChFC 
LPL Financial Advisor 
Helping people pursue 
financial independence and 
specializing in 



LPL Financial Advisor
Call Leif Hagen @ 651-209-6350
Securities offered through LPL Financial
Member FINRA/SIPC

For a list of states in which
we are registered to do business, 
please visit:

Wednesday, July 29, 2015

PEEK of the WEEK Financial Newsletter - CHINA's WILD RIDE ISN'T OVER and more in this week's newsletter

Peek of the Week

July 29, 2015

The Markets

There was a spate of bad news last week, and it drove U.S. markets lower.

China’s wild ride isn’t over yet. The Purchasing Managers’ Index, a private measure of Chinese manufacturing,came in below expectations at 48.2, according to BloombergBusiness. Results below 50 indicate the sector is contracting. That doesn’t bode well for growth in China, which is the biggest global consumer of metals, grains, and energy,
or the rest of the world.

Things weren’t rosy in the United States either. Sales of new homes in June came in below expectations, and the median new home price fell from a year ago. That news was a U-turn from recent data indicating strength in the housing market.

Earnings news was also less than stellar. The Standard & Poor’s 500 Index is kind of pricey, according to Reuters,and second quarter earnings for companies in the index were mixed. Seventy-four percent of companies beat earnings expectations but not nearly as many delivered on expected revenues.

Earnings weren’t the only issue on investors’ minds. Last week, the Federal Reserve has signaled a September rate hike was a possibility. This week it inadvertently released a confidential staff forecast that included estimates for inflation, unemployment, economic growth, and the fed funds rate. The Washington Post reported:

“Currently, the fed funds rate is between 0 and 0.25 percent, the same level it has been since the financial crisis hit in 2008… The staff prediction is that the prevailing fed funds rate during the fourth quarter will be 0.35 percent. Though there is no reference to exactly when or how that could happen, analysts say the most likely way is for the central bank to raise its target rate in September.”

Experts cited by Barron’s cautioned, “…it’s not the first rate hike that’s important. It is what comes after that.” Stay tuned.



Data as of 7/24/15
1-Week
Y-T-D
1-Year
3-Year
5-Year
10-Year
Standard & Poor's 500 (Domestic Stocks)
-2.2%
1.0%
4.6%
15.8%
13.3%
5.4%
Dow Jones Global ex-U.S.
-2.0
1.9
-8.4
8.3
3.5
2.8
10-year Treasury Note (Yield Only)
2.3
NA
2.5
1.4
3.0
4.3
Gold (per ounce)
-4.6
-9.9
-16.4
-12.0
-1.8
9.8
Bloomberg Commodity Index
-4.4
-10.6
-27.7
-13.1
-6.4
-5.0
DJ Equity All REIT Total Return Index
-0.5
-1.9
5.8
10.4
12.7
6.9

S&P 500, Dow Jones Global ex-US, Gold, Bloomberg Commodity Index returns exclude reinvested dividends 
(gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT Total Return Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, Barron’s, djindexes.com, London Bullion Market Association. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable.

a high school degree. Companies often take an interest in education.
Some involve themselves in community outreach efforts, sending employees to teach financial literacy 
or educate students about careers that demand knowledge of a particular field of study. Others have foundations that provide financial support to school districts.

Recently, a new model of assistance was introduced. Pathways in Technology Early College High Schools (P-Tech) were the brainchild of New York City, City University of New York, and a large technology company. The schools offer a six-year educational program that combines public high school, community college courses, and paid work experience. Students graduate with an associate degree and it doesn’t cost them a penny of tuition.

The first six students graduated from P-Tech – two years early – in June 2015. All received job offers from the technology company. Three accepted and three decided to go on to college. The Economist described one graduate, who opted for employment:

“He applies his programming and technical skills to a digital platform that provides market research
to his colleagues. It is a good job: he makes $50,000 a year, has a health-care package, and a pension plan. Mr. Saddler is 18 years old. He earned his high-school diploma last month. A few weeks before finishing school, he also received an associate degree in computer systems technology.”


Experts cited by U.S. News & World Report explained early college high schools help bridge the gap for students from low-income families who sometimes struggle with the transition from high school to college or university.

Since about 30 percent of the companies in the United States cannot fill open positions, P-Tech is an idea that’s gaining traction. More than 70 small and large companies are collaborating with high schools and colleges to promote the concept. Twenty-seven schools have been introduced in New York, Connecticut, and Illinois, to date. Colorado is expected to be the next state to follow suit.

Weekly Focus – Think About It

“Rightful liberty is unobstructed action according to our will within limits drawn around us by the equal rights of others.”
                                                    --Thomas Jefferson, Third President of the United States

Best regards,

Leif  M. Hagen
Leif  M. Hagen, CLU, ChFC                                                                       
LP Financial Advisor

P.S.  Please feel free to forward this commentary to family, friends, or colleagues.
If you would like us to add them to our list, please reply to this e-mail with their e-mail address and
we will ask for their permission to be added.

P.S.S. Also, please remind your friends and family members becoming Medicare eligible that we offer Medicare insurance and Part D options with NO CHARGE to work with me as their agent.


Watch Leif's Financial Investment
and other informational videos by
clicking this link or the
photo below:
 

https://www.youtube.com/playlist?list=PL1_GiJLa4miaIxaxbQU5EyQmD2l5aYS-W







Securities offered through LPL Financial Inc.,
Member FINRA/SIPC.
 
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* This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with the named broker/dealer.
* The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be
representative of the stock market in general. You cannot invest directly in this index.
* The Standard & Poor’s 500 (S&P 500) is an unmanaged index. Unmanaged index returns do not reflect fees,
expenses, or sales charges. Index performance is not indicative of the performance of any investment.
* The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S.
Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market.
* Gold represents the afternoon gold price as reported by the London Bullion Market Association.
The gold price is set twice daily by the London Gold Fixing Company at 10:30 and 15:00 and is expressed in U.S. dollars per fine troy ounce.
* The Bloomberg Commodity Index is designed to be a highly liquid and diversified benchmark for the
commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998.
* The DJ Equity All REIT Total Return Index measures the total return performance of the equity subcategory of the
Real Estate Investment Trust (REIT) industry as calculated by Dow Jones.
* Yahoo! Finance is the source for any reference to the performance of an index between two specific periods.
* Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
* Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
* Past performance does not guarantee future results. Investing involves risk, including loss of principal.
* You cannot invest directly in an index.
* Consult your financial professional before making any investment decision.
* Stock investing involves risk including loss of principal.
* To unsubscribe from the “Peek of the Week”, please reply to this email with “Unsubscribe” in the subject line,
or write us at: Hagen Financial Network, Inc. 4640 Nicols Road, Suite 203; Eagan, MN 55122.

Sources:



MEDICARE SUPPLEMENT INSURANCE OPEN ENROLLMENT - DISCOVER MORE ABOUT IT IN THIS BLOG

MEDICARE SUPPLMENT INSURANCE

OPEN ENROLLMENT

When is it?

What do I do?

Discover more about it in this video

and you'll even hear 

Leif's greeting in Japanese!

Watch now by clicking below on the video...

https://www.youtube.com/watch?v=LWxzNBCiiOo

 OPEN ENROLLMENT - DISCOVER MORE

Watch Leif's video about MEDICARE
OPEN ENROLLMENT PERIOD and
hear his JAPANESE GREETING!
Click this link or the video above:
https://youtu.be/LWxzNBCiiOo

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

What is MEDICARE PART "D"?
Discover more in this video by Leif M. Hagen
from Hagen Financial Network, Inc.
by clicking on the video above or the link below:
https://youtu.be/sgr3CF_FFK4


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

MEDICARE?

What is it?

Discover more about MEDICARE in this
video by Leif M. Hagen from
Hagen Financial Network in Eagan, MN.
Click the video above to watch or the link below:
https://youtu.be/dtO4Xu8oNnA


Leif Hagen, CLU, ChFC 
LPL Financial Advisor 
Helping people pursue 
financial independence and 
specializing in 



LPL Financial Advisor
Call Leif Hagen @ 651-209-6350
Securities offered through LPL Financial
Member FINRA/SIPC

For a list of states in which
we are registered to do business, 
please visit:


651-209-6350

or visit



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