Triangle Financial Services
Wisdom of
Wealth
Triangle Financial Services
mission is to assist people April 2011
and businesses to define
and achieve their dreams
through financial goals and
April is Financial Literacy Month!
guidance. What is financial literacy?
In the most basic sense, it
Triangle strives to develop
financial responsibility and is the ability to understand
independence through finance, and in our case,
value living. personal finance. Ideally,
financial education should
begin at a young age, and
continue throughout life.
For kids as young as two,
Inside this issue: education can be as basic
as identifying if a new toy
is a want or a need. My
1st Quarter Update, nephew, at one and a half,
Domestic Health 2
could tell you that money
Wells REIT II Update 2 comes from Mommy's
Global Economy & purse! As kids get older,
Real Estate Markets 3
allowances can help stress
Commodities & that money doesn't grow
World Markets 4
on trees & everything has
Money Smart Week 4 a price. Teenagers can
Looking Back... 5 take control of their cloth-
ing/car/school lunch
Board of Advisors,
budget, with a little guid-
E200, Mavens of 6
Money ance from Mom & Dad. As
a young adult, financial
Evolving Business 7 education gets more in
Wesley University 7 depth, with the personal
Disclosures & Cita- touch of credit cards on a
tions 9
person's credit history and
how that will affect future
From Kendra’s Desk 10
purchases. Throughout
adulthood, we are con-
stantly bombarded with
new information about the
current economy, changes
in our health insurance &
401k plans, and unexpected
crises (losing a job, medical
issues, accidents). How do
we deal with these things?
We ask questions, talk to a
trusted friend/professional,
get advice when needed. By
using your networks, you
can continue your financial
education throughout life.
So, are you curious to see
if you can be considered
'financially literate'? There
are several online quizzes to
test your literacy. In 2006
Jump$tart.org (the produc-
ers of one quiz) said that
high school seniors aver-
aged only 52.4% correct
answers. Yikes! Can you do
better?
Here is a sample question
from Jump$tart.org:: If
your credit card is stolen and
Volume 4, Issue 1
the thief runs up a total debt
of $1,000, but you notify the
issuer of the card as soon as
you discover it is missing,
what is the maximum
amount that you can be
forced to pay according to
Federal law? $0, $50, $500,
or $1000 Look for the
answer in another arti-
cle.
If you would like to see a
blog post, seminar, or
newsletter article on a
specific topic, just call or
email Kendra at
kerkamaa@hirep.net or
Lindsey at
lstaylor@hirep.net with
your ideas.
 Insid e S tory H ead li ne
Wisdom of Wealth
The Quarter in Brief
All quarter, investors
watched political revolu-
tion in North Africa and
the Middle East - and
then in March, they tried
to assess the impact of
the unprecedented series
of tragedies in Japan.
Wall Street came through
all this tumult remarka-
bly well: the S&P 500
Domestic Economic Health
The first quarter ended
with some superb news:
the Labor Department
Special Birthdays noted that our economy
had added 216,000 jobs,
Barb T. 4/2 with more than a third of
Beverly W. 4/2 the new hires coming
Ronald B. 4/5 within the important
Du Van D. 4/15 category of business and
Jackie P. 4/15 professional services.
Tom G. 4/17 Unemployment was at
Sandy V.W. 4/20 9.0% in January, 8.9% in
David N. 4/26 February and 8.8% in
Jean B. 4/30 March – contrast that
Todd B. 5/7 with the 9.8% jobless
Steve S. 5/16 rate in November.3,4
Tony S. 5/17 Consumer spending in-
Mary H. 5/23 creased by 0.3% in Janu-
Jennifer W. 6/8 ary and 0.7% in February,
Pat S. 6/11 but inflation was rising
Lynn S. 6/13 too, driven by jumps in
Josef S. 6/22 energy and food prices
(food prices rose 3.9% in
Vicki B. 6/30
March; that was the big-
Wells REIT II Distribution Update
Those of you invested in
the Wells REIT II product
may have noticed a
change in the dividend
recently. It got smaller.
Now before you get too
upset, we want to assure
you that we still believe in
Page 2 this investment. In fact,
rose 5.42% in the 1Q.
Ultimately, U.S. investors
responded to better-
than-expected corporate
profits and improved do-
mestic economic indica-
tors such as consumer
spending and unemploy-
ment. During March,
CNBC.com columnist
John Carney joked of a
gest monthly increase
since 1974.) The federal
government’s Consumer
Price Index increased by
0.4% in January and 0.5%
in February, putting an-
nualized inflation at 2.1%
(it had been just 1.1% in
November). The Labor
Department told us that
producer prices soared
by 1.6% in February after
rising 0.8% in January;
this put annualized
wholesale inflation at
5.6%.5,6,7
What were consumers
buying? Well, they
seemed to be buying
fewer hard goods. Core
durable goods orders
(i.e., with transportation
order factored out) fell
by 3.0% in January and
we figured a reduced divi-
dend would be coming.
There are several reasons
for this, including current
market conditions and
increased tenant demands
when signing leases. The
modest decrease of the
distribution rate will help
“Teflon market”, and
while Wall Street wasn’t
that invincible, its 1Q
performance was impres-
sive. Certain commodi-
ties soared; home sales
and prices retreated. At
the end of the quarter,
the bulls were still
clearly in charge.1,2
0.6% for February. How-
ever, the Census Bureau
did note a 0.3% rise in
retail sales in January
followed by a 1.0% gain
in February.8,9,10
The key U.S. purchasing
manager surveys brought
good news. At the end of
the quarter, the Institute
for Supply Management’s
monthly report on the
service sector had hov-
ered close to 60 in Janu-
ary (59.4) and February
(59.7). ISM’s manufactur-
ing report reached a
peak of 61.4 in February
before making a slight
descent to 61.2 in March
– still, the sector had
grown for 20 straight
months.11,12
Wells REIT II protect their
portfolio from current and
future economic turbu-
lence.
Literacy Quiz Answer:
$50

Global Economic Health
In Asia, the inflation pre-
occupations of January
and February gave way to
March concerns over the
damaged economy and
infrastructure of Japan.
Even with those concerns
(and the yen dropping
2.4% in the 1Q against
the dollar), there were
signals of expansion.
China’s official purchas-
ing managers index went
to 53.4 in March from
52.2 in February, the
first increase in four
months; elsewhere in
March, the benchmark
PMIs in India (57.9), Tai-
wan (55.6) and South
Korea (52.8) were all
Real Estate Markets
The quarter ended with a
succession of sour notes
for the housing market.
The latest S&P/Case-
Shiller 20-city home price
index (January data)
showed existing home
prices down 3.1% from a
year before and just 1.1%
above the low from April
2009. S&P index commit-
tee chairman David M.
Blitzer may have merely
been the messenger, but
he saw “no real hope in
sight for the near fu-
ture.” The dreaded
“double dip” seemed a
real possibility.22
Volume 4, Issue 1
showing expansion. A third national bailout
(Australia was the odd by the EU and the Inter-
nation out – its manufac- national Monetary Fund
turing PMI has been be- seemed probable as the
low 50 for four of the 1Q drew to a close. On
past five months.) South the positive side,
Korea’s inflation rate hit France’s statistics agency
4.7% last month and its said that it had reduced
exports were up 30.3% its deficit from 7.7% of
year-over-year in March. GDP in 2009 to 7.0% of
Indonesia’s inflation rate GDP in 2010; Germany’s
was 6.7% in March, down deficit is at 3.3% of its
from 6.8% in February. GDP. Germany’s jobless
China, of course, has rate declined to 7.1% last
been tightening for month from 7.3% in Feb-
months in response to its ruary. According to the
inflationary pres- EU, annualized Eurozone
sures.13,14 inflation increased by .2%
The European Union in March to 2.6%.15
found another debt crisis
on its hands in Portugal.
As for existing home On March 31, Freddie
sales, the National Asso- Mac’s Primary Mortgage
ciation of Realtors said Market Survey put the
they slipped 9.6% for average interest rate for
February after a the 30-year FRM exactly
(revised) 3.4% improve- where it had been at the
ment in January. New end of 2010: at 4.86%.
home sales? Even with The average rates on 1-
the potential for serious year ARMs were precisely
readjustment of these where they had been in
statistics at the Census the December 30 PMMS
Bureau, the numbers (3.26%). Average rates
were quite bad: down for 15-year FRMs went
19.1% for February (and down to 4.09% from
28.0% year-over-year) 4.20%; average interest
after slipping by 12.6% in rates on 5-year ARMs de-
January.23,24,25 scended from 3.77% to
3.70%.26,27
Page 3
Wisdom of Wealth
Commodities Markets
Oil and silver, oil and minum had a very nice gained 10.2%. Wheat
silver: these two com- quarter (+6.6%). Gold prices fell 3.9% in the
modities were the talk of had one of its poorer quarter after a 47.0%
the quarter. However, a quarters in recent his- 2010 gain. The Dow
less glamorous commod- tory, rising just 1.3%. Jones-UBS Commodity
ity actually outperformed Platinum gained 0.3% on Index advanced 4.4% in
them. the quarter while palla- 1Q 2011 after preceding
Oil ended the 1Q at dium lost 4.4%. The U.S. quarterly gains of 15.8%
$106.72 a barrel, with its Dollar Index lost 3.75% and 11.6%.19
for the quar-
1Q performance (+16.8%)
topping its performance ter.18,19,20,21
for all of 2010 (+15.2%). Cotton proved
Prices increased 25% the hottest
alone during a stretch of fundamental
13 market days in Febru- commodity of
ary. Silver futures ad- 1Q 2011, with
vanced 22.5% for the prices rising
quarter, and most of that 38.3%. Corn
happened in March. Alu- futures

“An investment in World Markets

Eyeing global markets in Spain’s IBEX, +13.5%; while the MSCI Emerging
knowledge always U.S. dollar terms, we see France’s CAC 40, 10.6%; Markets Index went
that some of the biggest Germany’s DAX, +7.4%; +1.7% for the quarter.16,17
1Q gains came in Europe. Canada’s TSX Composite, In the 1Q loss column, we
pays the best In fact, the world’s best +7.0%; South Korea’s find these notable stock
performing stock index in KOSPI, +6.3%; China’s
exchanges: Hong Kong’s
the 1Q was Bulgaria’s Shanghai Composite,
interest.” SOFIX, which rose 35.1%. +4.7%; Indonesia’s Ja-
Hang Seng, -0.9%; the
Philippines PSE Compos-
(The quarter’s worst per- karta Composite, +4.4%; ite, -2.3%; Taiwan’s
~Ben Franklin former? Egypt’s EGX 30. Australia’s All Ordinaries,
TAIEX, -4.2%; Japan’s
It dropped 23.0%.) The +2.9%; England’s FTSE
Nikkei 225, -5.3%; India’s
1Q gains among notable 100, +2.8%; Brazil’s Bove-
Sensex, -6.9%.16
indices were as follows: spa, +2.0%. The MSCI
Russia’s RTSI, +14.8%; World Index went +4.3%

Money Smart Week in Review

The Money Smart Week of taking a mortgage for financial literacy pro-
Kickoff was held on Fri- the individual loan holder gram. This is an annual
day, April 8th. Kendra and the bank. The win- contest with a different
attended the breakfast ner did a fantastic job topic each year. For
kickoff & was able to addressing the both the more information on next
listen to a great speaker pro’s and con’s of both year's contest, contact us
--the Money Smart Kid. parties involved and read and we can let you know
The Money Smart Kid had her essay quite well. She when the topic is re-
a great essay addressing was from Traynor, Iowa vealed next year!
the risks and advantages which has an excellent On Saturday, April 9th,

Page 4

Money Smart Week, Continued
Kendra attended Money
Smart Conference held
on the Drake Cam-
pus. This annual confer-
ence focuses on Women
and Money, and has sev-
eral workshops and a
keynote speaker. This
year, Kendra listened to
Olivia Mellan, a money
psychologist and pub-
lished author who has
been featured on Oprah,
the Today Show, and
Looking Back...Looking Forward
In a quarter notable for the
severity of its disasters and
the boldness of its political
unrest, the U.S. stock in-
dexes registered sizable
gains. The quarter repre-
sented the third chapter of
a striking ascent for stocks.
Across the last three quar-
ters, the Dow has advanced
26.05%, the S&P 500 28.63%
and the NASDAQ 31.85%.1
Wall Street stood up to the
challenges of the first quar-
ter, but what might be
ahead? Optimism remains:
CNNMoney surveyed 15
noted investment strategists
and found that nine expect
the S&P 500 to finish the
year at 1,400 or higher. If
% CHANGE
the S&P does wrap up 2011
near the 1,400 level, that
would mean a price return NASDAQ
of around 11%.31
The worries about a correc-REAL YIELD
tion brought on by the 10 YR TIPS
events of March have sub- (Source: online.wsj.com, bigcharts.com, ustreas.gov, bls.gov, 3/31/11)1,28,29,30
sided (for now) and we have
20/20, as well as being a
columnist in Investment
Advisor magazine. Says
Kendra, "It was great
hearing her speak about
finding your money style
& discovering money har-
mony as a balanced rela-
tionship with
money." The biggest
takeaway was that
money is a tool in your
life, not the magic elixir
that so many would like
some strong, positive indi-
cators at home – a descend-
ing unemployment rate and
manufacturing and service
sectors that are clearly
growing. At the moment, oil
and gasoline prices seem to
be the biggest hazard for
the consumer (and by ex-
tension the broad econ-
omy). Another earnings sea-
son begins next week; let’s
hope that soaring oil and
commodity costs haven’t
dented corporate profits too
much.
According to data compiled
by Standard and Poor’s and
Yale University’s Robert
Y-T-D
DJIA +6.41
+4.83
S&P 500 +5.42
3/31 RATE
0.99%
Volume 4, Issue 1
it to be. Learn more
about Olivia and discover
your Money style at
www.moneyharmony.com
.
“The four most
Shiller, the S&P 500’s earn-
ings are poised to surpass the dangerous words in
2007 peak of $90 a share in
3Q 2011. In 1Q 2009, earnings
were just $7 a share. This investing are ‘This
would represent the biggest
profit gain for the S&P 500 in time it’s different.’”
the last 110 years. S&P and
Shiller think that by the 3Q,
the difference between S&P ~Sir John
companies’ projected 12-
month profits and average Templeton
earnings over the last 10
years will be wider than at
any time since 1951. That
kind of talk might compel
even the most bearish to stick
with stocks.32
QTD CHG 1-YR CHG 10-YR AVG
+6.41 +13.48 +2.47
+4.83 +15.98 +5.11
+5.42 +13.37 +1.43
1 YR AGO 5 YRS AGO 10 YRS AGO
1.60% 2.35% 3.52%
Page 5
Wisdom of Wealth
Board of Advisors
I have created a Board of Advisors com- names out of a hat. So, if you were-
prised of clients to provide in depth feed- n’t picked this time, there is a chance
back and utilize client expertise. The vi- you could be invited in the future!
sion is to collaborate and get direct input Our first meeting is in May and I look
Switching to e- on what we are doing well and what we
can be doing better. It was a VERY diffi-
forward to updating everyone about
what we discuss.
Newsletters cult deci-
sion to de-
cide who
Beginning with this
should be
newsletter, we will be on this first
using a new email ser- Board, and
ended up
vice to deliver our elec- drawing
tronic newsletter to
save time and money. If
we have an email ad-
dress on file for you,
you may have already
received a copy of this
month’s newsletter. If
you prefer to receive
the paper copy, you will
need to unsubscribe to
the email version by
Working on it for You!
clicking the link at the I am excited to an- year strategic growth cess and contracting.”
nounce that I have been plan. “The SBA Emerg- It will be work well
bottom of the email. selected to be part of ing 200 initiative will worth it when I can im-
If you did not receive the SBA Emerging 200 enable the participating prove the business for
(e200) Initiative. It is small businesses to en- you. Look for upcoming
an electronic copy and an intensive 6 month gage in an intensive items that I will begin
would like to, just visit MBA class for CEO’s of curriculum focused on to implement.
our website, existing Des Moines developing a winning http://www.sba.gov/
small businesses that expansion strategy for content/sba-emerging-
www.trianglefsinc.com, assess the current busi- their business, including
200-initiative
and sign up using the ness and develop a 3 options for capital ac-
link under Kendra’s pic-
ture.
Mavens of Money (MOM$)
For those who do not
This is a startup group financial awareness will foster collabora-
have email or would of female financial and motivate women tion in the community
just rather have the professionals in the to take action for their and establish a voice
paper copy, we will Des Moines area. We own financial health from financial profes-
formed this group to and wealth. We par- sionals for financial
continue to mail our
provide support for ticipated in Money literacy. Look for in-
newsletter to you. females in our industry Smart Week and will formation about up-
and be active in our be involved with the coming events we will
community to promote Girl Scouts in teaching be participating in.
financial literacy. Our classes to young
Page 6 passion is to promote women. This group

Evolving Business, Evolving Schedules
Triangle is a living, breathing
business, and periodically
changes are necessary to
keep our goals within sight.
This year, our meeting
schedule procedures will be
changing to accommodate a
couple of exciting events.
Kendra is excited to
participate in a class which
will help her better manage
Wesley University: Alzheimer’s Disease
Wesley Acres, a retirement
community located on
Grand Avenue in Des
Moines, is hosting an in-
depth educational event on
Alzheimer's Disease. The
day consists of three 60-
minutes sessions, with a
packet of resources & a
healthy lunch. Dr. Yogesh
Shah, M.D. will be speaking
about dementia causes,
stages of Alzheimer's Dis-
ease, and current and future
treatment options. Dr.
Shah has been on the board
of the Alzheimer's Associa-
tion and has given talks on
dementia locally, nationally
and internationally. Session
Two will be presented by
Connie Lucas, Program Spe-
cialist for the Alzheimer's
Association Greater Iowa
Chapter. Her presentation
will give the perspective of
the business. Due to this
class, evening appointments
will be limited to one night
a week beginning in April.
These evening appointments
tend to fill up fast, however,
so expect to schedule these
appointments several weeks
in advance.
As you may have heard all
ready, Kendra's family will
someone with Alzheimer's
Disease and strategies to
maximize communication
and overcome common
barriers with people who
have Alzheimer's Dis-
ease. The final session will
be presented by Mary
McCarthy, Wesley Acres
Wellness Director. She will
discuss the positive benefits
of physical and mental exer-
cise and lead the group in
some simple exercises that
will challenge the mind and
body. The event will be
held May 7, 2011 from
9:30am to 2:45pm in the
Wesley Acres Community
Room. For more informa-
tion, please contact Susan
Skinner at 515-271-
6796. Limited seating is
available, please register by
April 27, 2011.
Volume 4, Issue 1
be adding another daughter
in mid-August. Kendra will
be taking a six week mater-
nity leave, and will not be
scheduling appointments
during this time. As always,
Lindsey will be in the office
if you have questions, con-
cerns, or needs arise during
this time.
Upcoming Events
Every other Tuesday and Thursday
through October:
No Evening Appointments
Tuesday, May 3rd
Board of Advisors Meeting
Saturday, May 7th
Wesley University: Alzheimer’s
Disease
See the article to the left for more
details
Monday, May 30
Triangle and Markets Closed for
Memorial Day
June (Dates TBA)
Wisconsin Trip
Monday, July 4
Triangle and Markets Closed for
Independence Day
August & September
Kendra on maternity leave, no regular
appointments
September 19-23
Annual Compliance Conference and
Wisconsin Appointments
Page 7
Wisdom of Wealth

Quarterly Update Required Disclosure and Citations

This material was prepared by Peter Montoya Inc., and does not necessarily represent the views of the presenting
Representative or the Representative’s Broker/Dealer. This information should not be construed as investment ad-
vice. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ
Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the Na-
tional Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is an un-
managed group of securities considered to be representative of the stock market in general. It is not possible to in-
vest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Ex-
change (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Ex-
change). NYSE Group is a leading provider of securities listing, trading and market data products and services. The
New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the
preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX
Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals
trade. SOFIX is the first official index of the Bulgarian Stock Exchange, started on October 20, 2000. The EGX 30 In-
dex is a free-float capitalization weighted index of the 30 most highly capitalized and liquid stocks traded on the
Egyptian Exchange. The RTS Index (RTSI) is an index of 50 Russian stocks that trade on the RTS Stock Exchange in
Moscow. The IBEX 35 is the benchmark stock market index of the Bolsa de Madrid, Spain's principal stock exchange.
The CAC-40 Index is a narrow-based, modified capitalization-weighted index of 40 companies listed on the Paris
Bourse. The DAX 30 is a Blue Chip stock market index consisting of the 30 major German companies trading on the
Frankfurt Stock Exchange. The S&P/TSX Composite Index is an index of the stock (equity) prices of the largest com-
panies on the Toronto Stock Exchange (TSX) as measured by market capitalization. The Korea Composite Stock Price
Index or KOSPI is the index of all common stocks traded on the Stock Market Division. The SSE Composite Index is an
index of all stocks (A shares and B shares) that are traded at the Shanghai Stock Exchange. The JSX Composite is an
index of all stocks that trade on the Indonesia Stock Exchange. The S&P/ASX All Ordinaries Index represents the 500
largest companies in the Australian equities market. The FTSE 100 Index is a share index of the 100 most highly capi-
talized companies listed on the London Stock Exchange. The Bovespa, the benchmark stock index of Brazil, is the
second largest in the Americas, and the leading exchange in Latin America. The Hang Seng Index is a free-float capi-
talization-weighted index of selection of companies from the Stock Exchange of Hong Kong. The PSE Composite In-
dex, commonly known previously as the PHISIX and presently as the PSEi, is the main stock market index of the Phil-
ippine Stock Exchange. The TWSE, or TAIEX, Index is capitalization-weighted index of all listed common shares
traded on the Taiwan Stock Exchange. Nikkei 225 (Ticker: ^N225) is a stock market index for the Tokyo Stock Ex-
change (TSE). The Nikkei average is the most watched index of Asian stocks. BSE Sensex or Bombay Stock Exchange
Sensitivity Index is a value-weighted index composed of 30 stocks that started January 1, 1986. The MSCI World In-
dex is a free-float weighted equity index that includes developed world markets, and does not include emerging
markets. The MSCI Emerging Markets Index is a float-adjusted market capitalization index consisting of indices in
more than 25 emerging economies. All information is believed to be from reliable sources; however we make no rep-
resentation as to its complete- ness or accu-
racy. All economic and perform- ance data is
historical and not indicative of future results.
Market indices discussed are un- managed.
Investors cannot invest in unman- aged indices.
The publisher is not engaged in rendering
legal, accounting or other profes- sional ser-
vices. If other expert assistance is needed, the
reader is advised to engage the services of a
competent professional. Please consult your
Financial Advisor for further in- formation.
Additional risks are associated with interna-
tional investing, such as currency fluctuations,
political and economic instability and differ-
ences in accounting standards.

Page 8
 Volume 4, Issue 1

Citations.
1 - blogs.wsj.com/marketbeat/2011/03/31/
data-points-u-s-markets-11/ [3/31/11]
2 - cnbc.com/id/42253348/

Stocks_Are_Cheap_Right_Why_the_Bulls_May_Be_Wrong [3/24/11]
3 - data.bls.gov/pdq/SurveyOutputServlet?data_tool=latest_numbers&series_id=LNS14000000 [4/5/11]
4 - miamiherald.com/2011/04/01/2145890/jobless-rate-drops-to-2-year-low.html [4/1/11]
5 - bea.gov/newsreleases/national/pi/pinewsrelease.htm [3/28/11]
6 - latimes.com/business/la-fi-cpi-20110318,0,1486304.story [3/18/11]
7 - nytimes.com/2011/03/17/business/economy/17econ.html?_r=1 [3/17/11]
8 - community.nasdaq.com/News/2011-03/us-durable-good-orders-decline-in-feb.aspx [3/24/11]
9 - census.gov/retail/marts/www/marts_current.pdf [2/15/11]
10 - census.gov/retail/marts/www/marts_current.pdf [3/11/11]
11 - ism.ws/ISMReport/MfgROB.cfm [4/1/11]
12 - ism.ws/ISMReport/NonMfgROB.cfm [3/3/11]
13 - smh.com.au/business/markets/asian-stocks-yen-ease-back-on-rates-economic-outlook-20110401-1cqlk.html [4/1/11]
14 - online.wsj.com/article/SB10001424052748703712504576236082339694182.html
15 - nytimes.com/2011/04/01/business/global/01euecon.html [4/1/11]
16 - online.wsj.com/article/SB10001424052748704559904576230961355482604.html [4/1/11]
17 - mscibarra.com/products/indices/international_equity_indices/gimi/stdindex/performance.html [3/31/11]
18- blogs.wsj.com/marketbeat/2011/03/31/data-points-energy-metals-478/ [3/31/11]
19 - online.wsj.com/article/SB10001424052748704559904576228843988189756.html [3/31/11]
20 - bullionpricestoday.com/bullion-prices-mixed-in-first-quarter-2011/ [3/31/11]
21 – online.wsj.com/mdc/public/npage/2_3051.html?mod=mdc_curr_dtabnk&symb=DXY [4/1/11]
22 - articles.latimes.com/2011/mar/30/business/la-fi-home-prices-20110330 [3/30/11]
23 - community.nasdaq.com/News/2011-03/us-existing-home-sales-drop-by-nearly-10-in-feb.aspx?storyid=62987 [3/21/11]
24 - census.gov/cgi-bin/briefroom/BriefRm [4/5/11]
25 - finance.yahoo.com/news/Newhome-sales-in-January-drop-apf-3048098018.html [3/23/11]
26 - freddiemac.com/pmms/ [4/4/11]
27 - freddiemac.com/pmms/index.html?year=2010 [4/4/11]
28 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=3%2F31%2F10&x=0&y=0 [3/31/11]
28 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=3%2F31%2F10&x=0&y=0 [3/31/11]
28 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=3%2F31%2F10&x=0&y=0 [3/31/11] Page 9
 1614 Center St.
Des Moines, IA 50314
Phone: 515-282-8962
Fax: 515-288-8372
E-mail: kerkamaa@hirep.net
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Securities and Advisory Services offered through Harbour Investments Inc
From Kendra’s Desk
Happy Spring everyone!!!
It certainly is a busy time
of year and what a great
change of seasons. Hope
everyone got through tax
time and now are looking
forward to summer.
My husband and I are
excited to announce that
we are expecting our
second little girl in the
middle of August! We
are thrilled to be ex-
panding the family and
Anja is looking forward to
being a big sister. What
that means to you is that
I will be doing all of Au-
gust and September’s
regular reviews in July
and October. Lindsey
and I will be available
during the maternity
“leave” to take care of
your immediate needs.
In my quest to keep
everyone informed and
educated in the ever
complicated financial
world, I have started a
financial blog. I invite
you to sign up to receive
regular emails (once a
week/10 days) with com-
mentary on financial
news, tips, information
and events. Go to
www.trianglefsinc.com
and sign up under my
photo.
We will also be moving
our newsletter to elec-
tronic form and will be
utilizing an email ser-
vice. Please let me know
what you think of it! You
will be able to easily un-
subscribe by clicking on
the option in your email.
For those without email,
we will continue paper
copies. We will also be
using this to send out
information about up-
coming events and activi-
ties.
Thank you all for your
support and business and
I look forward to staying
in touch with and keep-
ing you informed. Let
me know what works
well for you.
Always,
Kendra