Dow Jones Industr (^DJI)9908.39-103.84S&P 500 INDEX,RTH (^GSPC)1056.740.00NASDAQ Composite (^IXIC)2126.050.00S&P 100 INDEX (^OEX)486.850.00iShares FTSE Chin (^FCHI)3609.95+2.68DAX (^GDAXI)5516.00+31.15HANG SENG INDEX (^HSI)19790.279+239.39NIKKEI 225 (^N225)9932.9-18.92NYSE COMPOSITE IN (^NYA)6713.870.00Treasury Yield 30 (^TYX)4.522-40.698FTSE 100 (^FTSE)5126.93+34.60AMEX COMPOSITE IN (^XAX)1766.140.00CBOE OEX Implied (^VXO)25.430.00STRAITS TIMES IND (^STI)2745.02+51.40AEX (^AEX)316.98+0.48S&P 400 MIDCAP IN (^IDX)692.52-4.57Dow Jones Composi (^DJA)3341.39-32.28Dow Jones Transpo (^DJT)3792.89-29.31RUSSELL 2000 INDE (^RUT)586.490.00RUSSELL 1000 GRO (^RLG)473.030.00NYSE ENERGY SECTO (^NYE)10467.860.00NYSE Arca Tech 10 (^PSE)821.94-5.12NYSE FINANCIAL SE (^NYK)4354.720.00NYSE Internationa (^NYI)4693.330.00NYSE US 100 (^NY)4864.960.00
MLBCliff Lee undergoes foot surgeryCardinals avoid arbitration with SchumakerYankees add Thames to outfield mixYankees agree to deal with OF WinnBrewers to honor Selig with statueDodgers ink Brian Giles to minors dealA's send Eveland to TorontoMariners take another chance on BedardTwins make Thome deal officialMora, Rockies finalize dealTwins sign Orlando Hudson to one-year dealJays agree to terms with GreggTigers make Verlander deal officialCubs avoid arbitration with Marmol, sign MillarTigers, Verlander close in on multi-year dealRed Sox sign reliever Nelson to minor league dealMariners avoid arbitration with 1B KotchmanDodgers sign veteran RHP OrtizBrewers claim P Estrada from WashingtonDodgers sign P Weaver to minor-league deal againGiants extend spring training invite to pitcher MotaPadres avoid arbitration with Scott HairstonDodgers sign OF Reed JohnsonExclusive window expires for group interested in AstrosMariners sign 1B Garko to one-year dealFormer ASU coach Murphy takes position with PadresReport: Twins, Mauer agree to 10-year extensionReds finalize one-year deal with SS CabreraJon Miller named Frick Award winnerA's make deal with Reds amid slew of roster movesMora, Rockies agree to contractGiants avoid arbitration with WilsonMets sign Catalanotto to minor league dealReport: Reds sign free agent SS CabreraAngels come to terms with SaundersRangers, Feldman avoid arbitrationMariners sign Byrnes to one-year dealA's agree to two-year deal with P WuertzMets ink Tatis to one-year dealTwins' Punto, Morales undergo surgeryTurnbow, Veras agree to minor league deals with MarlinsCubs, Nady come to termsNats ink Batista to minor league dealOrioles bring back LHP HendricksonBrewers sign veteran OF EdmondsRockies make Giambi deal officialPhillies bring in ContrerasReds ink INF Cairo to minor league dealRockies agree with Street on three-year dealBrewers claim INF Inglett off waiversCubs avoid arbitration with MarshallCubs avoid arbitration with MarshallMaybe Flushing is BeirutHawk to enter Hall as an ExpoReliever Coke among seven players signed by TigersPadres agree to deal with P GarlandRangers avoid arbitration with FranciscoTwins bring in slugger ThomeTwins bring in slugger ThomeDodgers agree to one-year deal with C AusmusDodgers agree to one-year deal with C AusmusReport: Twins bring in slugger ThomePadres agree to deal with P GarlandBoston and Hermida avoid arbitrationBrewers avoid arbitration with P VillanuevaBrewers avoid arbitration with P VillanuevaA's, Sheets agree to dealRoyals sign Hughes, three othersDodgers ink Belliard to one-year dealNFLSaints' Super Bowl victory most watched event in TV historyRaiders name Pendergast assistant coachBrowns release StallworthMissed opportunities cost ColtsBrees brings home MVP to the Big EasyWho Dat? Super Bowl champs! Saints rally to beat ColtsLine of Scrimmage: Saints' Night, Manning's NightmareNFL Game CapsulesIndy holds slim lead going into fourth quarterColts use goal-line stand, lead Saints at halftimeColts take early lead in Super BowlChiefs G Waters named Walter Payton Man of the YearFreeney active for Super BowlNFL Inactives (Sunday, February 7, 2010)Freeney sits out Colts' final walkthroughRice, Smith headline 2010 NFL Hall of Fame classReport: Sapp arrested, suspended from NFL NetworkBears promote Marinelli to defensive coordinatorFreeney officially listed as questionable for Super BowlGoodell wants labor peace quicklyTomlinson believes days in San Diego are overFormer Steeler great Bill Dudley passes awayCarroll's Seahawks staff in placeEdwards leaves Gators to become Bills defensive coordinatorThe Top 10 Super Bowl Player Prop BetsFreeney hopes to test ankle FridayBucs name Van Pelt quarterbacks coachCardinals sign CFL standout BaggsEagles bring in Jauron to coach DBsSuper Bowl officials announcedFreeney says ankle is feeling "a lot" betterReport: Kubiak agrees to new three-year deal with TexansJets fine Ryan for obscene gestureRedskins name McCardell wide receivers coachEagles sign P BrooksJudgment Day for Manning once againSaints' Brees a hero in more ways than oneSanchez elects to have surgerySaints' Payton steps away from sanctityCaldwell's come a long way, babyRoad to Super Bowl XLIV: Colts' path only looked smoothRoad to Super Bowl XLIV: Saints see long-term vision pay offFreeney unsure if he'll play in Super BowlReport: Jets' Sanchez to have surgerySaints defense: Turning over a playmaking leafBears hire Martz as offensive coordinatorColts defense: Unsung DTs toil capably in trenchesBills bring back DeHavenThe Top Super Bowl Team Prop BetsManning, Brady highlight All-Decade TeamChris Johnson's late score lifts AFC over NFCReport: Colts' Freeney has ligament damage in ankleChris Johnson's late score lifts AFC over NFCNFL Game CapsulesChris Johnson's late score lifts AFC over NFCFormer 'Skins coach Zorn hired as Baltimore QBs coachVikings OT McKinnie kicked off Pro Bowl squadFormer Eagle, NFL broadcaster Brookshier passesCards' Warner calls it quitsPanthers LB Beason added to Pro Bowl roster for WillisCards' Warner calls it quitsGiants QB coach Palmer retiresSaints offense: Bush's role a dangerous oneCards' Warner calls it quitsColts offense: Garcon's profile growing higherCards' Warner calls it quitsNBAMavs send Warriors to ninth straight loss; Ellis hurts kneeBryant sidelined for second straight gameGasol carries short-handed Lakers over SpursNational Basketball Association Game CapsulesCarter and Orlando stay hot with win over HornetsJames, Westbrook take home NBA weekly honorsWizards/Hawks rescheduled for March 11Pacers' Foster to have season-ending back surgeryClippers' Kaman to replace injured Roy in All-Star GameSpurs resume road trip against LakersMavs kick off road trip in Oakland vs. WarriorsMagic, Hornets collide in OrlandoCarter leads Magic over BostonBosh powers Raptors to win over KingsMagic and Celtics renew rivalry in BeantownRaptors host reeling KingsBlazers' Roy out until after All-Star breakBryant sidelined, games played streak brokenJazz use balanced attack to beat short-handed NuggetsBogut leads Bucks over PacersSixers stop RocketsWestbrook's all-around effort carries Thunder over WarriorsKobe sits, but Lakers finally win in PortlandGomes and T'Wolves down GrizzliesDeng, Rose lead Bulls over HeatNets continue road woes, fall to PistonsLeBron pours in 47 as Cavs win 11th straight gameHill, Spurs continue recent dominance over ClippersRockets G Lowry out at least a weekCollison leads Hornets over BobcatsBulls' Thomas suspendedWarriors sign Tolliver, release ClaxtonDC blizzard forces Wizards/Hawks postponementDurant, Thunder invade Oakland to face WarriorsHughes era begins as Clippers host SpursBlazers hope to continue home dominance over LakersNorthwest heavyweights clash as Nuggets visit JazzResurgent Sixers face Rockets in south TexasStreaking Bucks host Pacers in Central Division clashWolves shoot for season-high 4th straight win vs. GrizzliesBulls, Heat clash in Windy CityJames, Cavs host Knicks at the "Q"NHLLombardi's career night propels Phoenix over road-weary OilersDucks win 10th in a row at home, snap LA's victory streakStewart, Yip help Avs upend BluesNational Hockey League Game CapsulesSharks use Clowe's third period goal to beat LeafsRichards caps Flyers' comeback win over DevilsDevils D Salmela leaves game on stretcherGainey steps down as Canadiens GM, Gauthier takes overGainey stepping down as Canadiens GMOvechkin heads NHL's Three StarsStars activate Ribeiro from IRCoyotes hope to rebound against visiting OilersStreaking Kings try to continue mastery of rival DucksDevils, Flyers ready to renew rivalryAvs resume homestand with visit from BluesGiguere seeks to continue hot streak as Leafs host SharksBruins snap 10-game skid, blank CanadiensSharks get D Wallin from CarolinaOvechkin's hat trick keys Caps' OT comeback over PensThrashers recall G LehtonenCanadiens invite struggling Bruins to MontrealOvechkin's red-hot Caps host Crosby and PensHeatley's two goals help Sharks sneak past PredatorsAnderson, Avs shut out Oilers for third time this seasonCanucks hand Bruins 10th straight lossKhudobin, Wild stymie FlyersLeafs snap Senators' 11-game streak behind flawless GiguereLightning continue hot streak with OT win over FlamesBlackhawks hold on to top BluesPeters shines in NHL debut, leads Hurricanes past IslesMason, Blue Jackets shut out struggling SabresTurco perfect as Stars end Coyotes' six-game win streakLundqvist sharp as Rangers down DevilsBergfors helps Thrashers beat Panthers, snap skidKings set club record with ninth straight winFlyers G Emery outGionta and Habs slip by PensFlorida State vacates winsTexas wins football challengeUSC, Florida shine on National Signing DayFlorida shines on National Signing DayTennessee plucks Wilcox to take over defenseLeFevour, Gilyard carry North to Senior Bowl winJustice Department considering investigation into BCSMinnesota hands Brewster two-year extensionVirginia names Lazor offensive coordinatorTwo Michigan State players plead guiltyUSC's Barkley has wrist surgeryStoops gets three-year deal from Florida StateMeyer to return for spring practiceKafka's late TD pass boosts East over WestWisconsin extends BielemaEast Carolina names Ruffin McNeill head coachLa. Tech football tabs Dykes as new head coachHoltz names five assistants at South FloridaHouston gives Sumlin new contractDooley replaces Kiffin at TennesseeAlabama CB Jackson declares for NFL DraftScelfo, Van De Velde to fill LA Tech vacancies for DooleyGeorgia Tech tabs Groh as defensive coordinatorReport: Dooley to replace Kiffin at TennesseeStanford's Gerhart to enter NFL DraftGeorgia tabs Grantham to run defenseHoltz takes over at South FloridaCutcliffe volunteers to remain at DukeBoise State's Petersen wins Bear Bryant AwardHoltz on his way to South FloridaTexas WR Buckner to transfer after arrestChow to remain at UCLAKiffin introduced as Trojans head coachMichigan State LB Jones returning for senior yearArkansas TE Williams to returnHouston's Keenum returning for senior yearTennessee names Brown interim coach amid Kiffin's departureKiffin headed to USCReport: Kiffin headed to USCFlorida S Wright declares for NFL DraftReport: Del Rio on USC's radarEnos named new football coach at Central MichiganAlabama LB McClain to enter NFL DraftYellow Jackets lose three more to NFLBCS Championship - what might have beenLeavitt wants his job backFlorida's Dunlap, Pouncey headed to NFLReport: Carroll resigns at USC to take Seattle jobOregon State's Riley receives contract extensionReport: Carroll resigns at USCGeorgia's Curran to enter NFL DraftTexas Tech hands football program over to TubervilleTexas Tech makes Tuberville next head coachReport: Texas Tech makes Tuberville next head coachTexas S Thomas entering NFL DraftUSC WR Williams to enter NFL DraftUSC RB McKnight to enter NFL DraftUSC RB McKnight to enter NFL DraftGeorgia Tech WR Thomas to enter NFL DraftSouth Florida fires LeavittButler at the top of the Horizon againJayhawks capitalize on turnovers to top TexasNo. 25 Pitt breezes past Robert MorrisTop-25 College Basketball Game CapsulesReynolds leads Villanova past West Virginia in Big East showdownKansas still No. 1, Syracuse slides up to No. 2Jayhawks and Longhorns duke it out in AustinRamblers try to cool off red-hot BulldogsVillanova visits West Virginia in Big East showdownColonials face tall task in clash with PanthersSyracuse thumps Cincinnati on the roadTurner leads Ohio State over IowaBuckeyes host Hawkeyes in Big Ten actionThird-ranked Orange clash with Bearcats in Big East battlePitt pulls away to beat PiratesGeorgia tops No. 18 VandyLobos need OT to beat AztecsMason-Griffin, Oklahoma extend Texas' woesIllinois upends Lucas-less MSUTennessee dominates South CarolinaKansas tops Nebraska againVeasley and Butler down Wright StateOle Miss rallies from huge deficit to beat AlabamaKoch helps Northern Iowa slip past Southern IllinoisYellow Jackets hold off NC StateBouldin paces Gonzaga over MemphisKentucky clobbers LSUTexas A&M downs Baylor for third straight winStrong second half propels West Virginia past St. John'sBadgers continue domination of MichiganWillis, UNLV crush BYUHoyas send 'Nova to first Big East lossScheyer and Duke handle BCClemente and Kansas State rally to down Iowa StateAnderson and Richmond upset TempleSalukis tangle with 24th-ranked PanthersLobos seek revenge in Mountain West clash with AztecsWright State hopes to hand No. 23 Butler first league lossGamecocks take on Volunteers in SEC actionMountaineers battle Red Storm in Big AppleLonghorns in Norman to tangle with Sooners
Today's News
Greek bailout speculation lifts euro

Tue, 09 Feb 2010 04:31:54

LONDON (Reuters) - The euro rose on Tuesday on speculation that European Union nations could bail out errant member Greece, while global stocks were flat and emerging market shares climbed.

Toyota adds new Prius to global recall list

Tue, 09 Feb 2010 04:25:23

TOKYO (Reuters) - Toyota Motor Corp said it is recalling nearly half a million of its flagship Prius and other hybrid cars for braking problems as it seeks to address criticism over the handling of its worst safety crisis.

JAL to stay with American in blow to Delta

Tue, 09 Feb 2010 03:46:06

TOKYO (Reuters) - Japan Airlines Corp will keep its partnership with American Airlines in the Oneworld alliance due to concerns that forging ties with rival suitor Delta Air Lines would make it difficult to achieve a quick turnaround, a source with knowledge of the matter said.

UBS back to profit in Q4, outflows accelerate

Tue, 09 Feb 2010 04:33:15

ZURICH (Reuters) - Swiss bank UBS posted its first quarterly net profit since Oswald Gruebel took the helm a year ago but clients withdrew far more money than forecast, signaling he may need more time to steady the ship.

Toyota pledges more responsiveness to U.S. regulators

Tue, 09 Feb 2010 01:01:43

WASHINGTON (Reuters) - Toyota Motor Corp President Akio Toyoda wrote in an article published on Tuesday that he has promised the top U.S. transportation official the troubled automaker will be more vigilant in the future about responding to safety regulators.

ECB Trichet departure sparks Greece rescue talk

Tue, 09 Feb 2010 03:40:35

SYDNEY (Reuters) - European Central Bank President Jean-Claude Trichet is cutting short a trip to Australia to attend a special European Union summit, prompting market speculation initiatives are in the works to help resolve Greece's debt problems.

Nissan returns to Q3 profit, lifts forecast

Tue, 09 Feb 2010 03:50:59

YOKOHAMA, Japan (Reuters) - Nissan Motor Co, Japan's third-largest automaker, returned to quarterly profit on Tuesday and lifted its outlook for the second time, as brisk global sales signal the worst may be over for the auto industry.

Swatch full-year profit beats poll, upbeat on 2010

Tue, 09 Feb 2010 02:31:20

ZURICH (Reuters) - Swatch Group, the world's largest watchmaker by sales, posted a forecast-beating full-year profit and confirmed its upbeat outlook for 2010, easing worries a flagging economic recovery may hit demand.

Macquarie outlook disappoints; shares slide 7 percent

Tue, 09 Feb 2010 01:14:25

SYDNEY (Reuters) - Macquarie Group , Australia's top investment bank, forecast a disappointing second-half profit and gave an outlook that raised worries about its key equity business, sending its shares sliding 7 percent.

CIT sets John Thain's salary at $6 million a year

Mon, 08 Feb 2010 18:02:54

NEW YORK (Reuters) - CIT Group Inc said its new Chief Executive John Thain will get an annual base salary of $6 million, most of which is in stock, and a bonus of up to another $1.5 million, in a nod to compensation practices popularized by the Obama administration's pay czar.

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Testimonials
Kurt Jacob
Springboro, OH
"We began working with Matt in the fall of 2005. Since then he has demonstrated great insight and sound judgment in directing our investments. Making decisions in an unstable economy require diligent research and timely action, Matt has blended both of these expectations into an analytical and strategic approach, which for us, he delivered results.

No one is an expert in predicting future events, so we must rely on someone who closely monitors current trending, but is not careless or reactive. His prevailing competence, in this regard helped mitigate a financial disaster for us. Every portfolio in the county lost value in this deep recession, but Matt made certain any collateral damage was minimal.

Undoubtedly those investors who are either uninformed or do not seek guidance from professionals are at risk. In talking with others preparing for retirement, we found his plans offer more long term insulation and protection for us. He takes the time to outline each detail, which offers reassurance and builds confidence. Matt does not rush through suggestions or explanations, which solidifies our trust.

As president of the company one could assume he is more detached, but instead he provides very personalized service, BFG appreciation events are just another example of his commitment to develop a relationship of integrity. We strongly recommend Matt and BFG and proudly offer this testimonial of his work. One flaw, he is a Chicago Cubs fan." (Disclaimer)
A. Smith
Dayton, OH
"Matt Bayer and his financial group are very client conscious. They always try to meet with clients every 3 months to review accounts and keep clients informed of investment changes in the market. Matt is pleasant to work with. From 1-10, Matt gets a 10." (Disclaimer)
David Skolik
Englewood, OH
"I have trusted Matt with my financial future since he started The Bayer Financial Group, an honest man who takes the time to know his clients. Courteous and professional treatment is provided by all members of The Bayer Financial Team." (Disclaimer)
Maria
Centerville, OH
"Matt's time and patience with me was precious. His professional manner was laced with humor and friendliness. The office was quiet and calm - I was comfortable and did not feel 'rushed'." (Disclaimer)
Father Gary C. Aultz
Kettering, OH
"I have been a long time friend of Matt Bayer's family. Over the past two years he has patiently and thoroughly explained strategies that will maximize financial security in my retirement. I can enthusiastically recommend his resourcefulness and intuition in the field of finance. He is always more than willing and able to serve and that holds true for all the staff in his organization." (Disclaimer)
Louis & Bonnie
Kettering, OH
"Our association with Matt Bayer and The Bayer Financial Group began in 2004 after my husband lost his job due to manufacturing plant closure. Matt rolled his existing retirement funds into investment funds that have performed better than we had anticipated even with the current economic downturn. We have found his advice helpful; he has been supportive; and maintains a positive outlook even when others predict "gloom and doom". We are quick to recommend Matt and his organization to our family and friends when discussing investment funds." (Disclaimer)
Bruce
Xenia, OH
"Everybody took a beating last year, but Matt did much better than the market. Enough better that I could pick up some bargains when the market was low." (Disclaimer)
Michael LaMusga
Kettering, OH
"I have been a client of The Bayer Financial Group for about 15 years. Matt's unwavering guidance and assistance has been most appreciated and effective!" (Disclaimer)
William
Crossville, TN
"I have been with Matt since the start of his company. He has handled my accounts very well. If I have any question he's always available." (Disclaimer)
Norman & Jeri
Dayton, OH
"On the advice of a friend, we transferred our investment and retirement accounts to The Bayer Financial Group in 2006. During the past two years, our relationship with Matt and his staff has grown and flourished. We consider Matt to be a trusted advisor that handles any need in a professional manner, and we wholeheartedly recommend his organization." (Disclaimer)
William & Jeannette
New Paris, OH
"We have been with Bayer Financial Group from inception and have always found them to be hard working, well informed and customer friendly." (Disclaimer)
Lawrence & Marilyn
Oakwood, OH
"We have been so happy working with Matt Bayer. Matt listens to our short-term and long-term needs and clearly explains how he will help us to them. The best feature of being with The Bayer Financial Group is that Matt checks with us frequently through the year so we can constantly look at the market and also reassess our own personal situation." (Disclaimer)
Dr. Paul & Mrs. Pamela Kuppin
Centerville, OH
"We have been clients of Matt Bayer and The Bayer Financial Group, LLC. for the past few years and we feel fortunate and privileged for this association. Matt and his entire staff have been nothing but professional as well as passionate and personal in our dealings, knowing that our needs and wishes are met with the utmost care. Their knowledge and resource availability is second to none. They have truly gone above and beyond their responsibility in every facet of our contact with their firm and made our lives so much easier to navigate. Their personal touch, experience, and attention to detail and our needs is second to none. We would highly recommend them to anyone looking for a total experience in the services they provide." (Disclaimer)
Disclaimer
1.) The fact that the testimonial may not be representative of the experience of other clients.
2.) The fact that the testimonial is no guarantee of future performance or success.
3.) No clients were paid for their testimonial.
Thank You and Welcome
Matthew C Bayer

First and foremost, let me "Thank You" for taking the time to visit The Bayer Financial Group, LLC website. This site was created to help give people in need a resource to educate themselves and answer questions regarding just about any financial concern. We have included video workshops, numerous calculators and timely financial information to aid you in your journey. Along the way, I also hope to give you a better idea as to why so many people have decided to make The Bayer Financial Group, LLC their financial planning relationship. Please take some time to explore the site. Many frequent visitors have elected to add bayerfinancialgroup.com to their favorites, and some have even made it their "Home Page". Whatever your need, I hope the information contained helps. I have always believed the level of communication in a relationship is directly proportionate to the depth of the foundation supporting that relationship. Any comments you have regarding the information, accessibility and user friendliness of this site would be greatly appreciated. Please keep in mind, this site is designed to help facilitate your thought process and was not created to provide recommendations. Everyone has a different financial "situation" and set of goals. As you continue your journey for data and direction, I want to make sure my company is responsible in the way we are getting you and your loved ones information to make educated decisions. For this reason, we do offer free consultations to address your concerns, and I would recommend we set some time aside to chat more and get to know each other. Please contact us when now is the time.

Sincerely,

Matthew C. Bayer

President