Title: Investment Advice for 2009

" Foreclosure numbers for the final quarter of 2008 were released yesterday they were worse than what was anticipated. Quickly and upon deployment numbers will be out in just a short amount of time. And of course because of the December holiday employment we anticipate those will be down what is the bottom of all of this. Here with us now is Barry Armstrong he's financial planner with securities America advisers and the host of money matters on -- talk. 830 WCR and it's good to see you nice to be here in what 2000 nine's film very much like 2000 and --"

" It certainly is I think a lot of people scrambling around trying to figure out. What to do specifically. With their investment portfolios because they've lost so much money right you look at your portfolio for when -- perhaps. It can be down 4050 sometimes it -- portfolios down 60%. I think people make mistakes sometimes saying what connect you'd make the money back. Quickly. And I think we should. We talk about that because second year old mistake between let's do talk about it because quickly is just not a word that's being used right now for anything associated with finances that's right in. You know I've mentioned in the past that I expect the stock market -- out specifically. To trade -- somewhere between 7500. Envelope and 9500. High. For the next two years. So would lot of investors are coming -- what do we do in anticipation that. Right now we see. Is an awful lot of money being put into the economy government spending on -- interest rates are very low. He'd get the the overnight lending rate is at 2. 25% some monies that are readily available. Typically with that will lead to is a period inflation and that may not come until 20102011. But if you're an investor and if you got a long time Verizon fiber -- time horizon he should anticipate that. So I've been suggesting to people consider inflation protected investments. You can buy them from the government in the form inflation protected bonds. You can -- mutual funds that invest in inflation protection securities. And that's something you wanted to do that before the inflation actually. Curse might not when -- upon us the other investment I think people should look at is something called real estate investment trust. These have very high rates of return neighbor that is six's. Maybe even more than 6%. And what they're investing. Would be hard assets buildings office building hospitals medical facilities. Real estate investment trust of that nature I think might perform very well again over that longer time horizon -- Inning you're actually talking about fun not not necessarily saying a lot by realistic enough -- to the past I am I'm talking about for the passive investors and has a four -- statement thanking you look at a typical 41 K plan. You may discovered that real estate investment trust are part of what you can acquire. With a 41 K where you're managing your own money could talk your advisers say look. I'd like to put this ass makes her asset class in court for find it's not in many of the powerful news and reviews."

" very early on we all started talking about this idea not casting an all keep your money out. And we went -- time period where people panic stricken -- where the money in their for a when Kaczur but he all of advisers tried to talk everybody down off of that you know the alleged. But I'm hearing this again because it's not turning around and people just keep put money in just keeps disappearing. What is your advice to people who again are thinking you know that's in new year and I'm not going to do not give them money there well."

" The safest investment known to mankind is the US treasury. And if you want to be very safe with your money. You can buy ten year treasury note -- the EU -- need to understand that you just taxable in two right now it's two point 2%. So its two point 2% per year for the next ten years. That's a safe investment at the other thing that people -- consider not quite as safe as US treasury would be a certificate of deposit from your local banker a large banks. But again understand that the rates of return on five year CD on the 3% range on a three year CD to two and half. And I hate to share more bad news but the cost of FDIC insurance is being raised coming out. Because so many banks failed -- and you've still got banks failing at a rate you know seems like every week you hear about another bank going under. So the result is the cost of FDIC insurance is gonna go up I hate to tell people this but CD rates and money market account rates are going to continue to decline down over the next ninety days thanks."

" And more and more money to you and while we continue to meet with fewer regular basis and we hope the convention we were all get together and talk about remembered when it if the Fed up. -- thank you very much its candidacy."