New York Life

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 13.5pt bold Arial, Helvetica, sans-serif;"> Michael J. Reid, CLU®, ChFC®, CLTC </span> <br> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Celebrating 39 years of Service to my Clients!</b> <br> <br>4617 N. Prospect Road, Suite 26 <br>Peoria Heights, IL 61616-6484 <br>Phone: 309-682-9383 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:mreid@ft.newyorklife.com"> mreid@ft.newyorklife.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p><img alt="" src="/images/flag.jpg" style="margin: 5px 10px; width: 167px; float: left; height: 250px" />As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee your own retirement security. These things won’t happen by accident. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start.<br /><br /><br /><br />Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. As a New York Life Insurance Company agent, and a Registered Representative of NYLIFE Securities LLC, I can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives.<br /><br /><br /><br />Please use my Web site as a resource, and do not hesitate to contact me for additional information or to schedule a meeting. Thank you for your interest.<br /><br /><br /><br /><small>Michael J. Reid is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of Arizona,Florida, Illinois, Indiana,Iowa,Ohio,Texas,Wisconsin. No insurance business may be conducted outside these states referenced.<br /><br /><br /><br />Michael J. Reid is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>, a Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the states of Illinois,Indiana,Ohio and Wisconsin. No offers may be made or accepted from any resident outside the specific states referenced.<br /><br /><br /><br />Michael J. Reid is licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities. </small></p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192"> </td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/N/TA11_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td colspan="2" width="192"> </td><td width="14" valign="top" background="/graphics/N/TA11_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2836" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Difference Between the Debt and the Deficit</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3065" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Protection from a Range of Liability Claims </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2889" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Finding a Good Time to Invest</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3288" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Growth, Value, or Both </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/spacer.gif" WIDTH="225" HEIGHT="6" border="0"><img src="/graphics/N/TA11_Account_Access_Header.gif" width="225" height="32" border="0" alt="Account Access"></td> </tr> <tr> <td width="14" background="/graphics/N/TA11_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <form name="access_links"> <select name="target_link" onChange="javascript:new_window(document.access_links.target_link.options[document.access_links.target_link.selectedIndex].value,'800','600'); self.document.access_links.target_link.selectedIndex=0"> <option value="null.htm">Choose a site... <option value="https://www.vsc3.newyorklife.com/VSCRegWebApp/login">Account Summary <option value="https://www.vsc3.newyorklife.com/VSCRegWebApp/login">Life Insurance and Annuities <option value="http://www.nylim.com/portal/site/MainStay">MainStay Mutual Funds <option value="https://www.mystreetscape.com/my/NYLIFEsecurities">NYLIFE Securities <option value="http://www.nylim.com/portal/site/retirement">NYLIM Mutual Plans <option value="http://www.upromise.com/partner/acqLandingNavbar.do?partnerName=newyorklife&ax=nyl">Upromise </select> </form> </td> </tr> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/spacer.gif" WIDTH="225" HEIGHT="6" border="0"><img src="/graphics/N/TA11_Personal_Folders_Header.gif" width="225" height="32" border="0" alt="Personal Folders"></td> </tr> <tr> <td width="14" background="/graphics/N/TA11_r2_c6.gif"> </td> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="2"><a href="http://www.newyorklife.com/cda/0,3254,11266,00.html" onclick="javascript:infobox(this.href,'800','600'); return false;" target="_blank"><font color="#000000">Log in or create</font></a> a Personal Folder</font> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/N/TA11_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/N/TA11_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/N/TA11_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/N/TA11_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/N/TA11_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br><font face="Arial, Helvetica, sans-serif" size="1"><div align="center"> <br>Securities offered by properly licensed registered representatives of NYLIFE Securities LLC (member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>). <br><a href="http://www.mikereid.com/files/NYLAgentdisclaimer.htm" TARGET="_blank"> Copyright 2012. New York Life Insurance Company. All Rights Reserved.</a> <br><a href="http://www.mikereid.com/files/NYLAgentPrivacyPolicy.htm" TARGET="_blank">Privacy Policy</a> </div></font> <iframe src="http://www.newyorklife.com/nyl/jsp/others/set_agent_id.jsp?marketerNumber=YAEJFfJKfDY%3D" style="width:1px; height:1px; display:none;" frameborder="0"> </iframe> </td></tr></table></div></body></html>