S&P 500 (^GSPC)1347.05+2.72NASDAQ Composite (^IXIC)2904.080.00S&P 100 INDEX (^OEX)608.930.00CAC 40 (^FCHI)3426.04+14.50DAX (^GDAXI)6791.52+37.32HANG SENG INDEX (^HSI)21018.461+319.271NIKKEI 225 (^N225)9015.59+98.07NYSE COMPOSITE IN (^NYA)8069.710.00Treasury Yield 30 (^TYX)3.1410.00FTSE 100 (^FTSE)5901.98+11.72AMEX COMPOSITE IN (^XAX)2432.8360.00CBOE OEX Implied (^VXO)16.170.00STI (^STI)2982.20+24.42AEX (^AEX)326.33+3.27S&P 400 MIDCAP IN (^IDX)899.46+1.07^DJA (^DJA)0.00N/A^DJT (^DJT)0.00N/ARussell 2000 (^RUT)827.370.00RUSSELL 1000 GRO (^RLG)0.000.00NYSE ENERGY SECTO (^NYE)13290.430.00^PSE (^PSE)0.00N/ANYSE FINANCIAL SE (^NYK)4599.540.00NYSE Internationa (^NYI)5007.750.00NYSE US 100 (^NY)5894.880.00
MLBRangers lock up SS Andrus with 3-year dealA's extend Beane, Crowley through 2019Yanks ink INF Hall to minor league dealDodgers extend ace Kershaw for 2 yearsFormer MLBer Clyburn shot and killedMariners sign Camp, KuoCubs designate DeWitt for assigmnentRangers give Conor Jackson, Beimel minor league dealsNationals give Ankiel, Teahen minor league dealsCards ink Cora to minor league dealO's deal Guthrie to Rox for Hammel and LindstromPenny signs with Japanese clubAceves, Red Sox avoid arbitrationDodgers sign P CoffeyReport: Rays win arbitration case against NiemannRangers' Hamilton admits to another relapseBrewers settle with MarcumEvery day still a struggle for HamiltonRockies extend BelisleCubs avoid arbitration with GarzaPadres agree to terms with P OwingsIndians have deal in place with 1B KotchmanNationals pick up Edwin JacksonIndians avoid arbitration with PerezNationals beat Lannan in arbitrationNationals sign RHP DurbinBlue Jays sign P CorderoMariners sign GuillenPirates ink veteran hurler Cruz to minor league dealPadres avoid arbitration with MoseleyIndians acquire Canzler from RaysAstros sign Hernandez to minor league dealD-Backs avoid arbitration with Montero, RobertsPhillies add Qualls to bullpenBrewers ink OF PattersonOrioles invite P Galarraga, others to spring trainingRangers give Washington 2-year extensionPat Burrell retiring after 12 seasonsTigers' Martinez has initial knee surgeryMets sign INF TuiasosopoPhillies, Pence agree for $10.4 millionRays sign Keppinger to major league dealGiants sign infielder TheriotRays sign Keppinger to minor league dealAstros ink Duke to minor league dealPhillies sign OF PierreReds give P Arredondo 2-year contractIndians sign Wheeler to minor league dealIndians place P Carmona on restricted listYanks sign P KurodaYanks sign P KurodaRed Sox sign former NLCS MVP Ross to one-year dealFielder joins Tigers with nine-year dealA's sign OF GomesNationals add Lidge to bullpenFielder joins Tigers with nine-year dealFormer MLBer Daryle Ward suspended 50 gamesRed Sox sign P BaileyRockies ink P Betancourt to extensionCardinals sign P MotteMarlins sign Kearns to minor league contractReds acquire Valdez from PhilliesAndruw Jones re-ups with YankeesDiamondbacks sign P Ziegler to 1-year dealOrioles avoid arbitration with AndinoYankees bring back MartinNFLGiants TE Ballard tore ACL in Super BowlSaints officially hire SpagnuoloRicky Williams calls it a careerHaley lands in PittsburghReports: Ricky Williams to retireGiants celebrate another Super Bowl titleLindell re-ups with BillsBears bring in Jeremy Bates to work with QBsAn A for Eli...and Indy tooRaiders name Tarver defensive coordinatorChiefs name Daboll offensive coordinatorGiants defensive line key to another runManning wins another Super Bowl MVPNFL Game CapsulesAgain! Giants top Patriots to win Super BowlGronkowski: 'Almost isn't enough' on Hail Mary passReleased Underwood reacts to Patriots' lossGiants lose TEs Ballard, Beckum to injuriesPatriots lead Giants 17-15 after 3rd quarterPatriots lead Giants 10-9 after 1st halfGiants lead Patriots 9-0 after 1st quarterPatriots TE Gronkowski active for Super BowlNFL Inactives (Sunday, February 5, 2012)Patriots release WR UnderwoodDetroit QB Stafford named Comeback Player of the YearRavens center Matt Birk named Walter Payton NFL Man of the YearMiller, Newton garner rookie awardsPackers QB Rodgers voted NFL MVPBaltimore LB Suggs honored as top defensive player49ers' Jim Harbaugh wins coaching honorParcells, 3 WRs not among HOF inducteesPats list Gronkowski as questionableManning mania leaving Brady an afterthoughtSafety among prevalent issues for GoodellBelichick: No setbacks for GronkowskiIrsay: Manning not yet cleared by ColtsPackers promote Clements to offensive coordinatorGronkowski limited in Thursday's practiceColts name Manusky defensive coordinatorNFL gives 49ers $200 million loan for new stadiumGiants' Coughlin still whistling past the criticsManning's status no longer in doubtTressel headed back to Akron in non-coaching roleChiefs offensive coordinator Muir retiresGronkowski misses another practiceUmenyiora fined $20k for missing media sessionPatriots try to settle score with Giants in Super Bowl XLVISuper Bowl officials announcedPatriots' Slater hoping to achieve new family firstRaiders name Knapp offensive coordinatorNo arguing with Patriots' (tight) end resultsPatriots' Slater hoping to achieve new family firstManning's 1st QB coach hired as Colts OCFour years later, Giants' foes still feeling the rushKelly Clarkson to sing national anthem at Super BowlReid confirms Bowles as secondary coach; Castillo remains DCGronkowski taking it day-by-dayGronkowski taking it day-by-dayRags-to-riches story has Giants' offense on Cruz controlNBAEllis' 48 not enough, Durant lifts Thunder over WarriorsNational Basketball Association Game CapsulesNash lifts Suns over BucksPierce passes Bird as Celtics down BobcatsJames, Wade lead Heat over CavsPekovic helps Minnesota down SacramentoPacers hang on to beat JazzBillups done for season with torn AchillesDanilo Gallinari has 'significant ankle sprain''Melo sidelined for at least a weekSpurs waive Malcolm ThomasPacers try to rebound vs. JazzHeat battle Cavs down southPierce eyes a legend in Celtics-Bobcats matchupRedd, Suns invade MilwaukeeLove-less Wolves welcome Kings to Twin CitiesDurant leads Thunder into Golden StateDuncan's double-double lifts Spurs over GrizzliesThunder down Blazers in OTClippers' Billups helped off the courtBulls roll past NetsPaul helps Clippers beat Magic in OTRockets outlast NuggetsSixers escape with win over LakersNash, Suns strike down HawksGallinari suffers left ankle injuryWizards take down Raptors in OTKings handle skidding HornetsShowtime to Lob City; Lakers are playing second fiddle in LANo Stoudemire, no Anthony, no problem: Knicks roll past JazzCarmelo Anthony leaves game with strained groinPierce, Parker named NBA Players of the WeekNHLEdler lifts Canucks over Preds in shootoutAvs beat slumping BlackhawksJets edge Maple LeafsClifford's goal the difference in Kings' win over LightningNational Hockey League Game CapsulesElliott tops former team, leading Blues over SensVrbata helps Coyotes down StarsOvechkin nets two, as Caps blank PanthersCanadiens top Penguins in shootoutNielsen lifts Isles over Flyers in SOIsles lock up NielsenBrodeur, Devils shut out RangersBlue Jackets get WildOwen Nolan announces his retirementPotent Leafs determined to end playoff droughtOilers' Nugent-Hopkins out with sprained shoulderPekka a Rinne-stone Cowboy in NashvilleBriere returning to Flyers lineup TuesdayFlyers seek rebound effort against IslandersSliding Blackhawks aim to get back on track in DenverLehtonen, Stars welcome Coyotes to Big DLeafs try to stay hot in WinnipegRinne, Preds host showdown with CanucksSurging Bolts host low-scoring KingsElliott returns to Ottawa as Blues visit SensPens close out road trip with test against HabsBlue Jackets shoot for consecutive wins vs. WildPanthers, Caps again do battle for first placeDevils aim to keep rolling against East-leading RangersDucks beat Flames in lengthy shootoutCoyotes get by road-weary Red WingsLeafs continue winning ways, outscore OilersCrosby skates with teamSabres coach Ruff suffers injury at practiceWild sign D ProsserGagner, Kovalchuk, Reimer named NHL's 'Three Stars'Howard-less Red Wings aim for win in PhoenixFlames try for rare win in AnaheimLeafs hope to extend win streak in clash with surging OilersRangers continue dominance of FlyersKovalchuk leads Devils past PensMemphis to join Big East in 2013-14Prosecutors: Sandusky should stay insideACC sets new scheduling formats for expansionLouisiana Tech RB dies at off-campus apartmentTepper tabbed to head Buffalo defenseTressel headed back to Akron in non-coaching roleAlabama earns raves for recruiting classOutside jury sought for Sandusky trialFlood rises to top job at RutgersReport: Flood agrees to coach RutgersCousins lifts North over South in Senior BowlWisconsin extends Bielema another yearA legend is laid to restBrown to stay at Texas through 2020Penn State pays tribute to PaternoSchiano leaves Rutgers for Tampa BaySan Jose State extends MacIntyreFormer NFL player and Fresno State coach Boone diesCincinnati extends Jones for three yearsBig East adds Navy for footballKelly to remain the Ducks' head coachMost can't separate Penn State scandal, JoePa's legacyJoePa's legacy will live onLegendary Penn State coach Paterno diesKinne's TD boosts National to victoryCreer's late TD lifts West over East at Shrine GamePaterno's condition said to be 'serious'Purdue RB Pegram leaves schoolBanks becomes DC at IllinoisWisconsin names Matt Canada offensive coordinatorMichigan WR Stonum dismissed from teamMaryland picks Stewart as new defensive coordinatorOregon QB Thomas to go proPaterno interview: 'I wish I had done more'Penn State names Roof defensive coordinatorQB Robinson, CB Floyd staying at MichiganArkansas QB Wilson to return for senior seasonVols name Sunseri defensive coordinatorWyoming, Christensen agree to five-year dealLSU defenders Claiborne, Brockers enter NFL draftAlabama's Richardson, Kirkpatrick entering draftKevin Steele out as Clemson D-coordinatorBoise State names Prince new offensive coordinatorBaylor QB Griffin to enter NFL DraftGeorgia TE Charles declares for NFL DraftNotre Dame gives Kelly two-year extensionJay Paterno leaves Penn State's coaching staffIowa RB Coker withdraws from schoolWisconsin C Konz to enter NFL DraftAlabama tops AP poll tooCollege Football Bowl Game CapsulesAlabama wins sequel, annihilates LSU for BCS titleA title that should have never happenedAlabama wins sequel, annihilates LSU for BCS titleAlabama wins sequel, annihilates LSU for BCS titleAlabama dominates first half, leads LSU 9-0Tulsa's Johnson to turn proVanGorder takes defensive coordinator position with AuburnSouth Carolina CB Gilmore to enter NFL DraftAlabama vs. LSU part deux, this time with BCS title on lineSouth Carolina's Taylor to return for senior seasonCollege Football Bowl Game CapsulesNorthern Illinois prevails in GoDaddy.com BowlNorthern Illinois prevails in GoDaddy.com BowlEvansville gets past CreightonNo. 3 Ohio State holds on, beats PurdueTop-25 College Basketball Game CapsulesKentucky cruises past FloridaBluejays set sights on Purple Aces in MVC actionBuckeyes meet Boilermakers in Big Ten battleWildcats and Gators collide in matchup of SEC's bestDenmon helps Missouri edge OklahomaNo. 18 Marquette downs DePaulNo. 24 Louisville routs ConnecticutAlabama's Mitchell suspended indefinitelySuper Bowl hangover: Catching you up on college hoopsKentucky again tops men's hoops pollBig 12 brawl pits Missouri against OklahomaMarquette and DePaul meet in Big East actionMiami upsets No. 7 Duke in overtimeNo. 9 Michigan State defeats No. 23 MichiganWolverines and Spartans add another chapter to bitter rivalryHurricanes blow into Durham seeking upset of Blue DevilsSan Diego State handles TCUPangos, Sacre lift No. 24 Gonzaga over PepperdineDenmon lifts No. 4 Missouri over KansasOladipo helps Indiana past PurdueMurray State remains perfect in win over SkyhawksKentucky cruises past South CarolinaMoultrie lifts No. 22 Mississippi State over AuburnNorthern Iowa knocks off No. 13 CreightonWyoming upsets No. 11 UNLVNorth Carolina downs MarylandNo. 6 Baylor holds off Oklahoma StateBoynton helps Florida down VanderbiltOhio State tops Wisconsin to remain atop Big Ten
Today's News
Stock futures signal higher Wall Street open

Wed, 08 Feb 2012 04:40:36

NEW YORK (Reuters) - Stock index futures pointed to a slightly higher open for equities on Wall Street on Wednesday, with futures for the S&P 500, the Dow Jones and the Nasdaq 100 rising 0.2 to 0.3 percent.

Greeks seek elusive bailout deal, EU tempers fray

Wed, 08 Feb 2012 06:04:06

ATHENS (Reuters) - Greek parties will try again on Wednesday to agree a reform deal in return for a new international rescue to avoid a chaotic default, after delays prompted some EU leaders to warn that the euro zone can live without Athens.

Yahoo chairman exits, review drags on

Tue, 07 Feb 2012 20:23:52

SAN FRANCISCO (Reuters) - Yahoo Inc Chairman Roy Bostock and three other directors will step down as the struggling company ploughs ahead with an internal overhaul, including discussions on dealing with its stakes in China's Alibaba Group and Yahoo Japan.

Nissan sees annual profits beating Toyota, Honda

Wed, 08 Feb 2012 05:28:20

YOKOHAMA, Japan (Reuters) - Nissan Motor Co is on track to be the most profitable of Japan's three big automakers this year, after record car sales last year and improved market share in every major region pushed up quarterly operating profit.

Europe to extend Airbus A380 checks: sources

Wed, 08 Feb 2012 05:31:05

KUALA LUMPUR (Reuters) - European air safety officials are preparing to extend checks for Airbus A380 wing cracks to the entire superjumbo fleet, sources close to the matter told Reuters on Wednesday.

Insight: The dark side of Germany's jobs miracle

Wed, 08 Feb 2012 06:01:11

STRALSUND, Germany (Reuters) - Anja has been scrubbing floors and washing dishes for two euros an hour over the past six years. She is bewildered when she sees newspapers hailing Germany's "job miracle."

S&P cuts Sony rating, warns of further downgrade

Wed, 08 Feb 2012 03:37:37

TOKYO (Reuters) - Standard and Poor's cut its long-term debt rating on Sony Corp on Wednesday to BBB+, warning it may drop the consumer electronics giant a further notch within a year unless it shows it can achieve a significant turnaround in profitability.

China sets target of average 13 percent annual minimum wage rise

Wed, 08 Feb 2012 01:59:49

BEIJING (Reuters) - The annual average growth of China's minimum wages should be at least 13 percent in the five years to 2015, according to a government job market plan for the period published on Wednesday.

Nokia says to cut 4,000 more jobs

Wed, 08 Feb 2012 05:19:17

HELSINKI (Reuters) - Struggling Finnish phone maker Nokia plans to cut 4,000 more jobs at its plants in Finland, Hungary and Mexico as it seeks to cut costs by moving smartphone assembly work to Asia.

Customers seek access to MF Global insurance sums

Tue, 07 Feb 2012 22:28:25

(Reuters) - Customers of MF Global's broker-dealer unit say at least $120 million in insurance policies for the company's executives should instead go toward filling a massive hole in their accounts.

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Testimonials
J. Buecker
Piqua, OH
"Matt Bayer came to my rescue soon after finding myself a widow at the age of 55. He advised and invested well, giving me a much needed sense of security. Recently, after making a bad investment with my son, Matt again came to my rescue with a solution. He is smart, reliable and has become a wonderful friend. I highly recommend The Bayer Financial Group." (Disclaimer)
D. & D. Dearmore
Fairfield, OH
"Matt and the BFG has always been responsive to our needs and has been proactive in offering suggestions to maximize our returns / minimize our risks during this time of financial uncertainty." (Disclaimer)
Rick & Jeri Wuest
Centerville, OH
"We have been using the sound financial advice of Matt Bayer since before the inception of Bayer Financial Group. He always takes the time to explain, and sometimes re-explain the various investments available. Matt pro-actively meets with us throughout the year to review the portfolio and is available to answer any immediate questions between meetings. Matt and the entire staff are friendly and helpful. The summer wine tasting was a blast." (Disclaimer)
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
First and foremost, let me "Thank You" for takingMatthew C Bayer 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.

Matthew C. Bayer Five Star Professional Wealth Manager 10 Years in Business!