Thiesen Dueker Group | Extra Point eUpdate 
Thiesen Dueker News & Updates


We are loving this amazing spring weather, the blossoms on the trees and the longer days. As the days get longer, there is more time in the day for outdoor activities, time with friends and family, and soaking up some vitamin D! What is your favorite part about spring?

Managing your lifestyle is all about making smart choices. Each lifestyle decision you make, from your choice of a home, to what you drive, to how you spend your leisure time, has an impact on your overall financial situation. Take a look at how smart strategies can enhance your lifestyle while at the same time potentially freeing up assets to invest for the long term. Click here!

Let's face it. Investing is difficult, and being human makes it harder. That's why even the smartest people are affected by cognitive biases, especially when it comes to investing. One critical point to understand is that financial markets and the global economy are generally far more resilient than our perceptions tend to give them credit for. Over the past century, we've experienced world wars, recessions, depressions, financial crises. Nonetheless, it is only human to have emotional reactions to portfolio volatility, whether it be fear and anxiety to losses, or confidence and elation to gains. Read below, when the Stock Market Corrects to read further on this topic.

Who will care for you when you can't care for yourself? What is Long-Term Care?
The greatest gift of long-term care insurance is that it allows loved ones to
supervise  your care and not have to  provide your care. Take a look at our  Guide to Long-Term Care Insurance  to answer some of these important questions. Vince Mastro,
our in-house Insurance Professional, would be happy to answer any questions you may have on this topic.

Bowling for Charity!
Without your support and dedication to Thiesen Dueker Group and our charitable efforts, our bowling event would have never been as big of a success as it was. We got to hold our event in the newly remodeled Bowlero, Fresno, which was beautiful and really stepped up the atmosphere for the event. We were able to give back $5,000 to three great charities, Marjaree Mason Center, Valley Caregiver Resource Center, and Made for Them. Please take a moment to click on each link to visit their websites and learn about the great work they do in our community. Thank you to our sponsors:

WhenTheStockMarketCorrectsWhen the Stock Market Corrects 
If you're concerned about stock market performance and your portfolio, it's time for us to have a conversation.  

If you've been sensitive to the stock market performance in the last weeks, you're not alone. Regardless of how your investments fare during market corrections, being aware of your own anxiety in light of what you're seeing, reading, or hearing can make a difference in portfolio performance. We've all done it; reacted either internally or externally when watching the news and the reporter says, "The Dow Fell 400 points today". But is it a big enough deal that you should react to it?   When Our Own Brains Sabotage our Investment Decisions

The relationship between percentage changes and basis points determines the change in a financial instrument, such as the stock market. The Basis Point (BPS), is used to calculate changes in interest rates, equity indexes (stock market), and the yield of fixed income securities. A basis is 1/100 th of 1%. In the case of the Dow 'falling' 400 points, that would be 4%. As the media reports stock market performance for the day, remember that there are 20-22 trading days each month. Reacting to bad market performance news on one day may cause you to make a premature decision.

Understanding A Market Correction  In light of stock market corrections , political issues, scandals, and 'fake news', keeping yourself removed from media as much as possible may be good for you (and your investments). Every day we are exposed to stories that can have an effect on us and our financial decisions. Liquidating your investments in a down market versus waiting for share prices to increase before trading has caused many people to financially hurt themselves. It is up to you to consider how expensive this information may be to you if you react to it.

When it comes your investments, there may be times that your asset allocation needs to be changed in for your portfolio to weather market corrections. Adjusting based on short-term performance may not be the answer, but developing an overall strategy is something to consider. If you're concerned about stock market performance and your portfolio, it's time for us to have a conversation. Together we can determine at what time and under what conditions we should be reacting to basis point changes.
If you would like to join us for any of our events, please contact Shannon Stewart to RSVP at or 559-448-8190.
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April 25th, 2018:
Identity Theft: How to Protect Yourself Against the Fastest Growing Crime in America
Presented by Alexander Hayes of Oppenheimer
May 16th, 2018: Estate Planning
Special Guest, Paul Franco - Estate Planning Attorney
June 13th, 2018: Social Security - The Choice of a Lifetime
Presented by Ian Wetherell of Nationwide Funds
August 15th, 2018: 5 Ways Technology Will Change How You Age
Presented by Kevin Parent of Hartford Funds
September 12th, 2018: Top IRA Mistakes
Presented by Rob Ferguson with MFS Fund Distributors
October 10th, 2018: Medicare & Long Term Care
November 14th, 2018: Tax Planning
Special Guest, Gary Wolfe of W CPA Group
News by the Numbers
Five noteworthy figures...

The number of consecutive quarters the S&P 500 had advanced, prior to Q1 2018.
A win streak just ended for the equities benchmark, which declined 1.2% in the opening three months of the year. The Dow Jones Industrial Average also saw a 9-quarter streak of gains end last week.
How much personal incomes rose in February.
This is a nice gain and not an isolated one. Household incomes have now improved 0.4% per month for three straight months, the Department of Commerce announced last week.
The approximate P/E ratio for the S&P 500 on March 29th.
Stocks looked less expensive than they had been in some time at the end of the first quarter. Back in mid-December, the S&P traded at about 18.9 times forward earnings.
Median total rent paid by today's 30-year-olds from age 22-30.
Studying Census Bureau data, apartment search website Rent Café has determined that Gen Y has paid much more for housing in their twenties compared with previous generations. In inflation-adjusted terms, today's 40-year-olds paid the equivalent of $85,800 during that time of life; today's 70-year-olds paid the equivalent of $66,900 in present-day dollars.
$1.17 trillion
The amount of U.S. debt China holds.
As CNNMoney reported last week, China actually scaled down the total of Treasuries it owns by 1.4% in December and January.
Did you know?
Leaner May Mean Smarter
Recent studies find that slimming down may be good for your brain.
When you try to lose weight, you challenge your body - and if you stick to your diet and exercise plan, you may improve your mind along the way. Research from the Department of Psychological Sciences at Kent State University finds a strong correlation between weight loss and improved brain function.
As you lose pounds in the first week of a diet, your metabolism adjusts to make dropping additional pounds harder. Additionally, when you eat less, fat cells release less leptin into your bloodstream. Lower levels of this hormone are linked to increased appetite. The lack of leptin, however, boosts activity in areas of the brain that regulate appetite. When excess weight is shed, blood circulation to and from your brain is enhanced, resulting in less strain on veins and arteries. Memory, concentration, and other cognitive skills are positioned to improve. This can also happen as a byproduct of radical weight loss methods: multiple studies have found the same positive effects in people within three months of undergoing weight loss surgery.
Low-Carb Sriracha Beef Lettuce Wraps
(Makes 3-4 servings or 6-8 lettuce wraps)
2 tsp. neutral-flavored oil like grapeseed or peanut oil
1 lb. lean ground beef
1 T fish sauce 
1-2 T  Sriracha Sauce (depending on how much heat you want)
2 T water
zest from one large lime
juice from one large lime (about 1 1/2 T juice)
1/4 cup thinly sliced green onion (or double that amount if you're not using the cilantro)
1/2 cup chopped cilantro
1-2 heads iceberg lettuce, washed and cut into cups
Heat the oil in a heavy frying pan over medium-high heat, then cook the beef until it's cooked through and starting to brown, breaking apart with a turner as it cooks.  
While beef cooks, mix together the fish sauce, Sriracha Sauce, and water in a small bowl.  Zest the skin of the lime and squeeze the juice.  (You may need two limes to get enough juice, but only use the zest from one lime.)  Thinly slice the green onions and chop the cilantro. Most iceberg lettuce doesn't need washing, but remove the outer leaves. Cut out the core and cut the lettuce into quarters to make "cups" to hold the beef mixture.
When the beef is done, add the Sriracha Sauce mixture and let it sizzle until the water has evaporated, stirring a few times to get the flavor mixed through the meat.  Turn off the heat and stir in the lime zest, lime juice, sliced green onions, and chopped cilantro.
Serve meat mixture with iceberg lettuce leaves to fill with meat and wrap around it, to be eaten with your hands.
Market Stats As Of 
April 13th, 2018

Index                                 YTD
Dow Jones                       -1.39%
Nasdaq                           +3.07%
S&P                                   -0.46%

US Treasury Yield
Maturity                           Last Yld
3 mo.                                  1.72% 
5 yr.                                     2.67%
10 yr.                                   2.82%
30 yr.                                   3.03%            
Indices are unmanaged and cannot be invested into directly. Unmanaged index returns do not reflect fees, expenses, or sales charges. Index performance is not indicative of the performance of any investment. Past performance is no guarantee of future results. 
Retirement Planning
  • Traditional/Roth IRAs
  • Simple/SEP IRAs
  • IRA Rollovers and IRA Consolidations
  • 401(k), 403(b), Profit Sharing & Defined Benefit Plans
  • Income Distributions and RMDs
Financial Strategies
  • Comprehensive & Modular Financial Plans
  • Risk & Insurance Analysis
  • Wealth Accumulation & Income Planning
  • Personal, Family & Charitable Trusts
  • Private Trust Services*
Investment Management
  • Asset Allocation Modeling
  • Investment Manager Search & Selection 
  • Performance Monitoring
  • Institutional Research
Educational Funding
  • 529 Plans
  • Education Savings Accounts
  • Custodial Accounts
Investment Options & Tools
  • CDs & Money Market Funds
  • Tax-advantage Municipal & Treasury Bonds
  • Domestic & Foreign Stock and bonds
  • Mutual Funds, Unit Trusts & ETFs
  • Fixed and Variable Annuities
  • Insurance - Life, Long-Term Care and Health 
  • Alternative Investments - REITs

*LPL Financial representatives offer access to trust services through the Private Trust Company N.A., an affiliate of LPL Financial.
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