JERSEY BENEFITS ADVISORS INVESTOR NEWSLETTER SUMMER 2011

MARKET WATCH

We have just completed halftime in America, to borrow a sports analogy, as the residents of this fair land took a much needed respite, to reflect on their revered and fragile independence. Judging from the traffic here at the Jersey Shore, at least a few souls didn’t seem to mind parting with the $3.49 per gallon it took to reach the sizzling sand and take a dip in the unseasonably warm 4th of July ocean. Then, it was back to work, for the 9 out of 10 who officially had a job, as the second half of the year began, hopefully without some of the shocks we experienced in the first half, but realizing it could very well be more of the same.

Actually, the first half ended very much like the first quarter as the news generally was focused on the same regions of the world. The US economy seemed to be on the verge of a boom, only to get mired down in international events which captured the media’s attention as the market rebounded from a 7% decline, just days before the quarter’s close, to make a fantastic comeback and post quite respectable results. The Middle East and North African uprisings raged on but were stalemated, European debt problems seemed to flare up and cool off every other week, with constant threats of a Greek default. Japan has put on its game face and set out to rebuild a tsunami battered economy, while so many seem just so enamored with “everything China”. It reminds me of the 70’s mindset towards the Soviet model. For those of you who weren’t around then or don’t remember the history, suffice it to say, there is no Soviet Union now!

One major bright spot during the second quarter was the Navy Seals’ killing of bin Laden. Unfortunately, the initial euphoria was met with the stark realization his al Qaeda buddies might want revenge. While things have been quiet, the destabilizing unease due to the threat of terrorism dampens our collective consciousness. Still, it does bring us one step closer to closing a chapter which has been consuming a large part of our treasure and dividing us as a people.

The major indices were all up for the year at the halfway point, thanks to the surge during the last four trading days in June. The Dow Jones Industrial Average* closed at 12,414.34 which is a 7.2% return for the year, so far. The S&P 500*, a measure of the broader market, closed at 1,320.64 which was 5 points lower than its close for the first quarter, but still a 5% return thus far for 2011. Finally, the NASDAQ*, the bell weather of technology, finished the first half at 2,781.07, 8 points lower than the first quarter, but still a 4.5% return for the year. Considering the headwinds the market faced during the first half of the year, and after two nearly 7% corrections, a positive return was a lot like a small lead at halftime; it felt good, but you don’t want to get complacent, because the game could take many twists and turns before time expires.

Speaking of twists and turns, all of the fuss about the debt limit needs a bit of clarification, as the August deadline looms. Look for a last minute compromise that raises some taxes and makes some budget cuts, possibly even to Medicare and Social Security. To play chicken with the debt ceiling, which in effect is gambling with the credibility of the government to make its interest payments, would be as devastating to the markets as when Congress failed to initially approve the TARP legislation. It would be nice for politicians to stop all of the rhetoric and talk plainly about the need to live within a budget like you & I must do.

HAPPY 4TH OF JULY From the Jersey Shore!

PRIVACY POLICY & NEW ADDITION TO OUR WEBSITE

PRIVACY POLICY

At Jersey Benefits Advisors and Jersey Benefits Group, Inc. protecting your privacy is very important to us. We want you to understand what information we collect and how we use it. We collect and use information from you on applications and other forms as well as information about financial transactions with us and from non-affiliated third parties. This “nonpublic personal information” is obtained in connection with providing a financial product or service to you.

We do not disclose any nonpublic personal information about you without your express consent, except as permitted by law. We may disclose the nonpublic personal information we collect to persons or companies that perform services on our behalf.

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you.
We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information at all times.

ONLINE LIFE INSURANCE

We have partnered with ORG, Inc. to develop and market an online life insurance quotation system that allows individuals to enter their information and receive competitive quotes from major insurance carriers online. In most cases the application can also be completed online. There is also a direct toll free line to speak to a customer service representative, as well as an email link to ask questions or receive assistance with the quotation or application process. The quotes can be obtained from our website.

This system eliminates speaking to numerous agents who call with quotes, which is the model used by many websites that market insurance quotes. For people who wish to complete the process totally on their own, and like to evaluate numerous quotes independently before applying for insurance, this site should satisfy their needs. Quotes are free and no money is exchanged until the individual is approved for the policy quoted.

Of course, anyone who is interested in talking to an insurance advisor, who will meet with the client in the traditional face to face manner, simply needs to contact the company either by telephone or email to set up an appointment. Through the ORG network, we can assist individuals outside the state of NJ to locate insurance professionals who can meet with them face to face. The toll free number to call, outside NJ, is (855) 802-4123. Within the state of NJ, clients can contact me directly.

INVESTOR PSYCHOLOGY: BUY LOW, METHODICALLY & DISCIPLINED

Investor psychology has been a topic receiving much attention recently, as many of the tried and true philosophies of investing have been questioned. With all of the talk of a lost decade of returns, the focus has been on how to beat the market consistently, utilizing everything from alternative investments to holding physical commodities. As we’ve discussed time and time again, market timing and excessive trading can be very detrimental to a portfolio. As James Stewart stated in the July issue of Smart Money, “If market peaks tend to be unremarkable, market lows tend to arrive when times seem apocalyptic”. That’s why I continue to believe buying quality funds in as many sectors of the economy as you can, and dollar cost averaging into them constantly, is still the best overall strategy.

* THE S&P 500, THE DJIA AND THE NASDAQ ARE UNMANAGED INDEXES THAT ARE WIDELY USED AS INDICATORS OF MARKET TRENDS. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. THE PERFORMANCE OF THESE INDEXES DOES NOT REFLECT FEES AND CHARGES ASSOCIATED WITH INVESTING. IT IS NOT POSSIBLE TO INVEST DIRECTLY IN AN INDEX.

Dollar Cost Averaging through a systematic savings plan is an excellent way to build an account without a sizeable initial investment. Saving a portion of our pay each month is very important. Company sponsored pension plans are one method to save and should be used for retirement. Other systematic investment accounts, SUCH AS ROTH IRA’S, TRADITIONAL IRA’S, COVERDELL ACCOUNTS, 529 PLANS, BROKERAGE ACCOUNTS AND ANNUITIES can also be opened, and debited directly from your checking or savings account. For more information, just call to set up an appointment.

REFERRALS ARE ALWAYS WELCOME

COMPANY INFORMATION:

Investment Advisory Services offered through:

Jersey Benefits Advisors
P.O. Box 1406
Ocean City, N.J. 08226
Phone: 609 827 0194
Fax: 609 861 9257
Email: kaighn@jerseybenefits.com
Http://www.jerseybenefits.com

Securities offered through:

Transamerica Financial Advisors, Inc.
A registered Broker/Dealer
570 Carillon Parkway
St. Petersburg, FL 33758-9053
800-245-8250
Member FINRA & SIPC
Transamerica Financial Advisors, Inc. is
not affiliated with Jersey Benefits Advi-
sors.

Third Party Administration and Insurance
Services offered through:

Jersey Benefits Group, Inc.
P.O. Box 1406
Ocean City, N.J. 08226
Phone: 609 827 0194
Fax: 609 861 9257
Email: kaighn@jerseybenefits.com
Http://www.jerseybenefits.com/

All opinions expressed in this newsletter are
solely those of John Kaighn & Jersey Benefits
Advisors.

LD 41031-07/11

Staying the course

On January 15, 2009, 90 seconds after lifting off from LaGuardia Airport, the now famous US Airways flight 1549 lost all engine power upon striking a flock of geese 3,200 feet above New York City. Three-and-a-half minutes later, the crippled Airbus A320 touched down in the Hudson River, and what could have been a major loss of life became a textbook lesson in crisis management.

Listening to the cockpit communications, it's quickly apparent that "The Miracle on the Hudson" was made possible by the skill, poise and careful coordination of Captain Chesley Sullenberger and First Officer Jeff Skiles. Yet the transcript also reveals the importance of a tool that for decades has helped pilots manage both the routine and unexpected during flight. That tool is the checklist.

Indeed, in the moments just before the bird-strike, Sullenberger is heard saying, "After takeoff checklist complete." Upon losing power, the first directive he gives Skiles is "Get the QRH." The QRH or Quick Reference Handbook, is a manual consisting largely of checklists to be utilized in troubleshooting various problems such as loss of cabin pressure or engine power. After the order is given, Skiles and Sullenberger can be heard working through a series of steps designed to save the flight.

As they attempted to address an emotionally fraught, seemingly impossible situation, the two pilots had a simple resource they could turn to for help.  Beyond the aviation world, checklists are used to manage a host of complex processes: from constructing skyscrapers to administering critical care in hospitals.

Of course, the decisions investors make when markets become volatile don't have life or death consequences, but they can prove vital to ong-term financial wellbeing. And given what we know about
how market volatility can transform a calm, cool and collected investor into an emotional, panicked and scattered one,having a checklist to consult during the next period of instability might mean the difference between reaching your goals and falling short of them. The next time volatility strikes, consider these six steps:

1. Take your emotional temperature.

Even with the recent market tumult still visible in the rearview mirror, it may be difficult to recall just how unsettled investors felt in 2008 and early 2009. Yet it's all but assured that a future downturn will find us back in the same emotional boat.  We shouldn't be surprised that when markets decline our moods tend to do the same, as losses can make us feel as if our financial objectives are imperiled. Yet even if we acknowledge that declines are a reality, we are still susceptible to letting the emotions that accompany those downturns drive decisions at odds with key investing goals. One way to help keep them at bay is to gain a deeper understanding of where they originate.

Consider, for example, the strong compulsion to sell when markets become erratic. At heart this urge is essentially a flight response, We seek to eliminate a source of anxiety - in this case, the possibility of monetary loss - by disengaging from it. On a practical level, that generally means converting assets into cash, which limits the possibility of loss.

Psychological studies and research in behavioral finance confirm that this aversion to loss is actually part of our neurological programming, hard-wired into us from a time when survival depended on hunting and foraging - and holding on to the fruit of those efforts meant the difference between life and death.

Viewed in that light, it's no surprise that the visceral urge to limit losses overtakes the rational part of our brain that may be telling us that selling assets into the teeth of a down market locks in losses and reduces considerably the potential to benefit from a market recovery.

Aversion to loss is but one of many tendencies that surface during volatile periods. Others include the impulse to move with the herd - a phenomenon exemplified by the late 1990s rush into tech stocks - as well as our penchant to heavily weigh the importance of recent events rather than considering them against the backdrop of market history.

According to behavioral economist Dan Ariely in his book, Predictably Irrational, it's important to understand the surprising power that emotions can exert over our choices. "Although there is nothing much we can do to get our Dr. Jekyll to fully appreciate the strength of our Mr. Hyde, perhaps just being aware that we are prone to making the wrong decisions when gripped by intense emotion may help us."

2. Turn down the volume.

When the market is rising like a rocket or sinking like a stone, the popular press seldom provides analysis that's useful to long-term investors. Instead the headlines tend to play up whatever information or trend has grabbed the momentary attention of traders and pundits. In an age of nonstop connectivity, tuning out financial news can be tough, but fixating on daily or even weekly market returns can spur us to actions that might ultimately impede our long- term success.

It's interesting to consider that the temptation to monitor stock and bond investments on a daily or even hourly basis stems mostly from the fact that there is always new data available, as trading creates regular re-pricing. To remain focused on long-term goals, it may be helpful to take the same approach with your investment portfolio that you do with assets that don't get re-priced with similar frequency. For example, short-term fluctuations in the value of your home or car don't prompt you to immediately put them up for sale.

Another strategy for curbing the emotional impact of market volatility is to review the value of your investments only at regularly scheduled times. Many investors elect to do so quarterly upon receiving account or brokerage statements. This diminishes the likelihood that they will feel it necessary to make constant changes in response to day-to-day market swings.

3. Find the broader context.

Ask the average investor how many 20% market declines they'd expect to experience over a 25-year period and chances are the answer will fall short of the number suggested by history. The figure, based on the unmanaged Dow Jones Industrial Average dating back to 1900, is about seven. That's right, roughly once every three-and-a-half years (assuming 50% recovery of lost value between declines), the Dow has lost at least one-fifth its value.

Yet each time such a downturn occurs, it understandably upsets investors. Moreover, the sharper drops often elicit claims that this time the selloff is different or worse than those that have come before. As previously noted, maintaining perspective while watching an account balance shrink is not easy. but remembering that downturns are a fairly normal occurrence can help place short-term market events in a broader historical context.

Having that historical perspective can strengthen your resolve to stay invested, which can be a key to long-term success. After all, pulling out of the market at a high point and buying back in at the boltom is almost impossible to do once, let alone more than a half dozen times during your life as an investor.

4. Recognize the potential harm of sudden movements.

A recent survey by financial research firm Dalbar determined that over the 20 yearsended December 31, 2009, the average stock investor's return trailed that of the broader market by nearly 5% per year.  Put another way, if the market gained 10% annually, the average investor's portfolio realized only a 5% gain.

Much of this differential stems from investors who, for the reasons discussed previously, sold at the boltom of the market and, if they bought back in, did so once the market had already begun to recover. Market turnarounds often happen suddenly and unpredictably; being on the sidelines when a reversal occurs can rob investors of significant return.

In fact, a hypothetical investor in the unrnanaged Standard & Poor's 500 Composite Index who wasn't invested on the index's five best days during the lO-year period ended December 31, 2009, would have realized an annual return nearly 4% lower than someone who remained invested the entire time. Of course, past results are not predictive of results in future periods.

5. Think like a contrarian.

Warren Buffett once offered the following bit of investing advice: "When others are greedy, be fearful; when others are fearful, be greedy." A more delicate rephrasing might be: Amid adversity, there is often opportunity. Volatility of the kind that marked 2008 and early 2009 often punishes good and bad investments alike, as some investors succumb to the stress and opt out of the market entirely.

Though coetinuing to invest when markets are declining can be difficult, if you believe that stock and bond funds are a good way of meeting long-term financial objectives - which has been the case historically - then making purchases during a downturn is often like buying investments at prices below their longterm average. That's because as markets become less emotionally driven, stocks and bonds generally return to something closer to their long-term average, and investors who "bought on the dip" can benefit. While regular investing doesn't ensure you'll make money, staying the course through thick and thin can help increase your share balance, which can increase your portfolio's ability to provide income.

6. Check in with your financial adviser.

No one would set out on a Himalayan trek without enlisting a guide who knew how to navigate the most perilous stretches. So it goes with investing.

Your financial adviser can be a steadying presence when market conditions get tough. Whether reviewing your investment plan, providing perspective on what's happening in the market or placing current conditions in a larger context, your adviser is an important ally and sounding board.  Maintaining open lines of communication can prevent you from taking steps that could undermine your long-term goals.

Indeed, you might think of an adviser as a kind of co-pilot. Much like Sullenberger and Skiles, you can manage the crisis more effectively together - by systematically working through your checklist with the goal of achieving a belter outcome.

The preceding article appeared in the Investor Magazine provided to shareholders of American Funds, a mutual fund company whose various funds are used by Jersey Benefits Advisors and John Kaighn to assist clients in meeting their investment objectives.

Investing Your Money Wisely

If you are involved in business then chances are you are so caught up with your day to day operations that you sometimes forget that there are ways for your money to make even more money for you. In many instances, you will actually earn more from your investments than from your actual business. This is because you have to deal with overhead expenses, salary, and other operations with your business. On the other hand, all these factors are not present with your investments. In other words, you are making your money work for you when you invest rather than the other way around.

So how exactly can you go about this endeavor? The fact is, investments require exposure to the financial markets, so you would need to determine where to invest your money. There are many investment options from which to choose. 401k Plans, IRA's, Simplified Employee Pensions and the SIMPLE Plan are a few ways you can funnel cash from your business into an investment account. Asset Management Accounts, Annuities and Life Insurance are other methods you can use to gain some tax advantages while putting your money to work.

While investing in the market can yield a higher rate of return for your money, there are also risks, so you should have a long term investment horizon. Some ways to invest include investing in the stock market, bonds, mutual funds, ETF's and money market funds. Diversification is one key to success while investing. This means having your money spread over many asset classes so your risks are balanced in different industries and sectors of the economy. Using diversification/asset allocation as part of your investment strategy neither assures nor guarantees better performance and cannot protect against losses in a declining market.  Another key to investing wisely is to dollar cost average into your investments, so you don't drop a large amount of money into a particular asset all at once. Dollar cost averaging is simply investing smaller amounts of money on a monthly or quarterly basis into your selected funds, in order to make purchases at various prices, instead of one large purchase.  Dollar cost averaging/systematic investment does not ensure a profit or guarantee against a loss.  Investors should consider their financial ability to continue their purchases through periods of low price levels.

Investing is a good way to earn while enjoying the convenience of being in control of your time and your money. Investments also can provide you with a sense of security if you know that your money is managed by a competent financial advisor. Choosing an investment advisor is a highly personal endeavor, but with all of the options and choices available, having someone with which to discuss your investments and provide advice is extremely important. Advisors can work fee based or commission based and can even charge on an hourly basis, depending on the needs of the client. No matter whether you choose to go it alone or work with an advisor, investments certainly give you plenty of flexibility because you are free to choose the investment medium that best suits your needs.

John Kaighn

Jersey Benefits Advisors

What Is Investing?

The concept of investment is actually quite simple: investing means putting your money to work for you. Basically speaking, investing is another way to think about how to make money. Growing up, most of us were taught that you can earn an income only by getting a job and working, and that's exactly what most of us do. There is nothing wrong with this way of thinking, but in order to make more money, we'd have to work more hours. However, there is a limit to the number of hours that can be worked in a day, not to mention the fact that having a great deal of money is no fun if we don't have the leisure time to enjoy it.

You can't clone yourself to increase your working time, so instead, you need to have an extension of yourself - your money - working for you. That way, while you are putting in hours for your employer, working in the garden, sleeping, reading the paper or socializing with friends, your investments can be earning you money. Quite simply, making your money work for you maximizes your earning potential whether or not you receive a raise, decide to work overtime or look for a higher-paying job.

There are many different ways you can go about making an investment. This includes putting money into a money market, stocks, bonds, mutual funds, annuities, ETF's, real estate or starting your own business. Sometimes people refer to these options as "investment vehicles," which is just another way of saying "a way to invest". Each of these vehicles has various pros and cons, depending on who you talk to, but it doesn't matter so much which method you choose for investing your money, the idea is to have your money working for you so it creates wealth. Even though this is a simple idea, it's the most important concept about investing.

What Investing Is Not:

Investing is not gambling. Gambling is putting money at risk by betting on an uncertain outcome with the hope that you might win money. Part of the confusion between investing and gambling, however, may come from the way some people use investment vehicles. For example, it could be argued that buying a stock based on a "hot tip" you heard at the water cooler is essentially the same as placing a bet at a casino.

True investing doesn't happen without some action on your part. An investor does not simply throw his or her money at any random investment; he or she performs thorough analysis and commits capital only when there is a reasonable expectation of profit. Yes, there still are risks, and there are no guarantees, but investing is more than simply hoping Lady Luck is on your side.

Why Bother Investing?

Obviously, everybody wants more money. It's pretty easy to understand that people invest because they want to increase their personal freedom, sense of security and ability to afford the things they want in life. However, investing is becoming more of a necessity. The days when everyone worked the same job for 30 years and then retired to a nice fat pension are gone. For average people, investing is not just a helpful tool, but rather the only way to afford to retire and maintain their present lifestyle.

Whether you live in the U.S., Canada, or pretty much any other country in the industrialized Western World, governments are tightening their belts. Almost without exception, the responsibility of planning for retirement is shifting away from the state and towards the individual. There is much debate about how safe our old-age pension programs will be over the next 20, 30 and 50 years. But why leave it to chance? By planning ahead you can ensure financial stability during your retirement. (For more, see Jersey Benefits Group, Inc.)

John Kaighn

Jersey Benefits Advisors

John Kaighn's Guidance Website

Jersey Benefits Advisors Newsletter Fall 2008

DOWN BUT NOT OUT! THE FINANCIAL CAPITAL OF THE WORLD HAS BEEN HUMBLED, BUT NOT DESTROYED!

Market Watch

I ended my summer newsletter with the following assessment of where our economy was heading. It was written before talk of the Emergency Economic Stabilization Act of 2008, which became law on October 3, 2008. “With all of the stresses on the US economy, confirmation of a recession could become a reality either in the second half of this year, or early in 2009. The healing process necessary to recover from the mortgage fiasco and oil shock is underway.”

There is no doubt that anger, frustration and fear are feelings that are being experienced by many of us as we’ve witnessed the deflation of the housing bubble and the subsequent credit crisis which culminated in the emergency relief plan mentioned above. It is important to understand that many economists think this period will be labeled a recession, when the dust has settled and the National Bureau of Economic Research (NBER) assesses the situation, some time in the future. Meanwhile, we are faced with the here and now and surviving this period, while planning for the recovery.

It is important to understand how we got here in order to avoid the same mistakes in the future. The initial media reaction was to blame Wall Street for this fiasco, but as events play out, it is being understood the blame can be equally placed on the shoulders of government, as well as many of the citizens of this fair land who used the equity in their homes as a bank, and stretched for outsized gains on their investments.

At the heart of the matter sit the two Government Sponsored Enterprises (GSE's) Fannie Mae and Freddie Mac. By being a GSE these companies were treated like they had the full faith and backing of the Federal Government, even though they didn't. A little history helps to understand the dilemma.

Fannie Mae was created by the government during the Great Depression to buy mortgages, which they guaranteed with the full backing of the government. In 1968, President Johnson structured Fannie Mae as a government sponsored enterprise, without the guarantee. In the 1970's, Freddie Mac was created and the two quasi public entities began buying mortgages and packaging them into securities, which were purchased by banks, investors, governments and others around the world, because of the “implicit guarantee” that if anything went wrong, the US government would back the securities. Fannie and Freddie were also encouraged by the government to increase lending for subprime mortgages in order to advance the government’s agenda for “affordable housing”.

As we all know by now, the two GSE's did fail, and while the reasons are varied, the implicit guarantee is now an explicit guarantee. Furthermore, the actions of Fannie Mae and Freddie Mac made housing more expensive, not more affordable!

The ensuing credit crunch has had a chilling effect on the stock market, which has not been very pretty this year. At the end of the third quarter, the DJIA was 10,850.7, the S&P 500 clocked in at 1,164.74 and the NASDAQ finished at 2,082.3. All of the indices are in bear market territory and down significantly for the year.

There will be some false starts and possibly some more gut-wrenching ups and downs, especially as the election bears down on us. Fortunately, all bear markets end, just as their counterparts do. Usually, when you least expect it!

Economic Outlook

Regardless of your feelings about the government rescue plan and where the fault lies, the reality of the situation is that the government has chosen to clean up a mess it helped create. The implications for the broader economy remain to be seen, but one thing is for sure, the road to recovery will be bumpy and prolonged. While it is generally believed the current crisis is not over, general consensus is that it is beyond halftime, to use a football metaphor, and possibly in the fourth quarter. I doubt very much the recovery will be instantaneous, even with the recent government actions. Look for a period of extreme volatility as we decide on a new President.

When the news is all bad, and the media paints a dire picture of the future, it is difficult to take the steps which could help you to benefit from the current financial landscape. Those of you who are investing in retirement plans or other investment accounts on a monthly basis, are picking up shares at a discount. While your account value may be down, once the market begins to rebound, the value of your account will increase rapidly, reflecting the increased number of shares you own. If you are not regularly contributing and have some available cash, the next several months should be a good time to add to your account, but I would caution against making a large investment at once.

To help you conquer investing phobia, consider this study by Psychologist Paul Slovic of the University of Oregon. In 2001 he had investors estimate the performance of their portfolio over the next 12 months and the decade to come. Only 6.7% of investors expected a zero or negative return in 2001 and only 1.3% thought they’d have no gains over the next 10 years. He asked investors the same question on September 29, 2008 and 36% of investors saw no profits for the current year and 5% predicted their portfolios would go nowhere for the full decade. Obviously, investors view of the next decade is being shaped by events of the last few days. Looking backward at where the market has been is a surefire way to ensure you will miss opportunities going forward. According to Jason Zweig, author of the Intelligent Investor column in the Wall Street Journal, “You need only two things in order to have an edge in today’s market: cash and courage”.

While the current economic situation seems challenging, the actions by the Federal Reserve and governments around the world will prevent the doomsday scenario of global depression. History will be the judge as to the severity of today’s difficulties, but lessons learned during the Great Depression indicate no government action can be catastrophic. I’ve opted to suspend consolidated statements until the year’s end, so call me to discuss quarterly statement concerns.

Protecting Your Assets In a Down Market

For those of you invested in the Transamerica and MetLife Annuities, I want to remind you about the Guaranteed Minimum Income Benefit on your account which protects the assets so your account will continue to grow in a down market. Look for the line item GMIB, Income for Life or Managed Annuity Program to ascertain this value. While the market value reflects the turmoil in the stock market, the beauty of these products is their insured value during times of market upheaval. These products help to protect your assets and are an especially good investment for retirement assets. While nobody likes to see losses in value, it is reassuring to know these products have protection against downside risk and that insurance companies must have adequate capital in reserve.

Investment Advisory Services offered through:
Jersey Benefits Advisors
P.O. Box 1406
Ocean City, N.J. 08226
Phone: 609 827 0194
Fax: 609 861 9257
Email: kaighn@jerseybenefits.com
Jersey Benefits Advisors

Securities offered through:
Transamerica Financial Advisors, Inc.
A registered Broker/Dealer
1150 S. Olive St. Suite T-25
Los Angeles, CA 90015
800-245-8250
Member FINRA & SIPC

Third Party Administration and Insurance Services offered through:
Jersey Benefits Group, Inc
P.O. Box 1406
Ocean City, N.J. 08226
Phone: 609 827 0194
Fax: 609 861 9257
Email: kaighn@jerseybenefits.com
Jersey Benefits Group, Inc.

John H. Kaighn

Jersey Benefits Advisors

The Kaighn Report

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Sites Reviewed:

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Carl Hendricks Home Based Business Prosperity is a well-established blog where you can find multitude of information on Internet Marketing and blogging. Carl's blog is jam packed with helpful tips and ideas to help you with your online business. Reviewed by: Bill Shultz for his Pipeline Incomes blog.

Gamy Rachel has a blog - Make A Living Honestly that provides readers with methods of being profitable online while mainitaining the highetst levels of integrity. You will find helpful advice on article marketing, working from home and quality affiliate programs. You will find ways to develop a robust home based business Reviewed by: Carl Hendricks Home Based Business Prosperity.

Wolney H Filho's Work at Home Online blog provides lots of tips and advice for people who want to start a work at home business. Wolney has over 10 years of networking experience and regularly updates his blog to give you the latest ideas on how to work at home online and how to promote your website. Reviewed by Suzanne Morrison for her Internet Business Ideas blog.

Dean's Home Business Reporter is a WordPress blog of an associate whom helped I setup another blog for just a short time ago. Yet in this short time Dean has learned the power of blogging and has installed a new blog on his own that is shaping up to be a great resource for those looking for work at home business opportunities. Reviewed by Jeff Houdyschell @ Work At Home BusinessBlog

Jeff Houdyschell's Work At Home Business Blog is loaded with all the information you might need to know about the work at home business industry. It is designed to be easy to find what you are looking for and what he has to offer. Jeff also offers a very unique personalized WordPress Installation Service at a very affordable cost. I have used this service. I will highly recommend Jeff to any one that wants a blog installed on their own domain. Check him out you won't be sorry.Reviewed by: Dean@Dean's Home Business Reporter

Suzanne Morrison's Internet Home Business Ideas Blog is an excellent Blog. She can help you to make a full time income from the internet. She is part of the Plug-In Profit Site team and her blog is frequently updated with Internet home business ideas, product reviews and suggestions for and promoting your website. Reviewed by Wolney H Filho, the work at home online blog.

Mal Keenan's Internet Marketing Blog is a frequently updated blog on everything pertaining to the world of internet marketing and home business. He includes plenty of internet marketing tips and techniques in his blog and also reviews the latest internet marketing products. Unlike some marketers who recommend every product under the sun, Mal has a very honest approach to his reviews and only recommends products that have actually worked for him. Reviewed by Suzanne Morrison for her Internet Business Ideas blog

Jeff Schuman's make money blog is one of those blogs that I visit often. Jeff has become an expert in achieiving top search engine rankings for some of the most competitive ‘making money online’ keyword phrases. Reviewed by Mal Keenan's Internet Marketing blog.

Jeff Casmer's Work At Home Blog is an excellent blog that ties in well with his top rated work at home directory. He works hard at helping people and his blog is updated reguarly with information that is timely to help you work from home and earn money. Reviewed by: Jeff Schuman for his make money blog to help people make more money and get more traffic.

Jack Humphrey's blog The Friday Traffic Report is just another in a long line of things I read when it is done by Jack. Of course his Power Linking and Authority Black Book are just two examples of the tremendous information he provides. He blogs now about Web 2.0 and social marketing and if you are looking for tips to get more traffic you should check it out and subscribe to his feed. Reviewed by: Jeff Schuman for his make money blog to help people make more money and get more traffic.

Peter Lenkefi writes about Web 2.0 marketing strategies at Web2Center.com. He has some killer videos over there you should check out along with a ton of good information on blog marketing and various “new media” promotion tactics. Reviewed by: Link Building Maniac, Jack Humphrey, for the Friday Traffic Report


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To summarize, you just need to copy everything between the two lines and then remove the review at the bottom and add your review of someone else's blog at the top!

Hopefully this will bring you some top quality links and traffic.

John Kaighn

Home Business Ideas and Opportunities

Jersey Benefits Advisors

Before the Onslaught

Every now and then there comes a time to diverge from my central theme of investment information and divulge facets from other aspects of my life, as well as other interests and passions. With the first full week of June nearly complete and temperatures soaring into the 90's here in sunny Cape May County, I am looking forward to one of the perks of living in a tourist area before the tourists show up inforce.

Most schools still have at least one more week, and so our beaches don't really get crowded until after the 15th of June. Therefore, it is the perfect time for me to enjoy a leisurely stroll along the water's edge today, perhaps in Stone Harbor, and a few hours of reading on the beach tomorrow in Ocean City. It is rather nice to be able to choose a different town and beach on any given day, because they are all so unique and variety is the spice of life. If I have the urge for a great meal and drink, the Washington Inn or Virginia Hotel provide the perfect locale for a romantic dinner in Victorian Cape May. The porch at the Virginia Hotel is a superb spot for sipping mojitos while absorbing the ambiance of the Victorian bed and breakfast hotels which line the festive streets.

It is the little pleasures that keep me plodding along through this adventure we call life, replete with its successes, failures, joys, tradegies and fun. My daily schedule, as intense as it sometimes can be, is punctuated by these delights which I relish ocassionally. The best part of my routine is that it is really not a routine at all, but rather a series interconnected events which ebb and flow with the seasons. The summer season is about to come into full bloom and my schedule will be changing along with the floral landscape.

In life I wear several hats which have a bit of a convergence. My role as guidance counselor is about to end for the current school year, which provides more time for me to spend visiting, calling and satisfying my investment advisory clients as well as the opportunity to enhance my online businesses. It's all about providing insights, information and guidance, so my routine just changes. Luckily this occurs at the right time, because the gardens at my home require my constant attention and care. I've been particularly delighted this spring by the array of color provided by the azaleas, rhododendrons and now mountain laurel which populate my property. As my dogs and I traverse the trails which wind through my yard and the National Wildlife Preserve on the eastern border of my property the fragrance of the mountain laurel is truly intoxicating.

So as the markets gyrate a bit this week, the only numbers which have any real meaning, in my opinion at this juncture, would be a DJIA close of 12,308 and a S&P 500 close of 1,385 because these closing levels would represent a 10% correction from the highs set this spring. Even a drop to these levels would not be an indication of trouble in the markets, but merely a healthy retraction, a little ebb and flow, so to speak.

Thank God it is Friday and the weekend is finally upon us, especially as many of us swelter today in the oppressive heat and humidity descending on the eastern seaboard. To anyone who reads this, get out and smell the roses, soak up the sunshine, don't overreact to the market news you'll hear this week and come visit South Jersey when the schools close. To the locals, we better get out there and enjoy today and early tomorrow, because the onslaught is about to begin! Did I hear rum runner, marguerita, mojito or a nice cabernet sauvignon?

John Kaighn

If you are interested in free information about Investments, Business, Marketing or Online Opportunities, visit my websites at:
http://johnkaighn.com
http://jerseybenefits.com