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InThisIssueIN THIS ISSUE 
February 2, 2016 
Before_The_BellWBZ1030 with Dave
Before the Bell
with Dave Caruso
Dave reports on big earnings news, Google has taken over Apple as the world's biggest company.
2/02/16
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HeadlinesHeadlines
  • France Seeks Closer Ties With Cuba During Castro Visit
  • British Woman Jailed for Joining Islamic State
  • More Than 50 Alleged Members of MS-13 Gang Indicted in Boston Area 
First_articleFinancial Review Checklist

There You don't need to wait until the beginning or the end of the year for a financial review, especially if your investment mix, risk tolerance, or time financial checklist horizon has changed recently. When meeting with your financial advisor,
consider whether the following areas of your life are on track.
 
Retirement Planning -- Have you determined approximately when you expect to retire and how much you need to accumulate as a nest egg? If your retirement is close at hand or if you are already retired, your financial advisor can help you calculate how much you can withdraw for annual living expenses without depleting your assets.

More on 'Financial Review Checklist'. 
The_MarketsThe Markets
How low can you go?
 
The Bank of Japan (BOJ) dove into the negative interest rate rabbit hole last week when it dropped its benchmark interest rate to minus 0.1 How long will you go percent. If you've been following Japan's story, then you know the country has been struggling with deflation for almost two decades. The BOJ's goal is to push inflation up to 2 percent. MarketWatch explained the idea behind negative interest rates:

"Central banks use their deposit to influence how banks handle their reserves. In the case of negative rates, central banks want to dissuade lenders from parking cash with them."

More on 'Market Commentary' here.
 By_the_NumbersBy the Numbers 
Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized ... more important disclosure mentions found here.  (We urge you to read the entire disclosure statement.)
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Dave Caruso, CFP�
Coastal Capital Group
  
phone:1-978-777-3116
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The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. 

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