Today I discuss the overall flat day on the market for Wall Street as European stocks close at their lowest since September and energy companies (taking the biggest hits) overall pulling down the index. I then explain why you should have a positive outlook on 2016 as central banks may finally be recognizing they have been over involved in economy. Other topics for discussion include:

I also take a call from Michael who asks if he should keep his long term care policy he bought from GE after it has been bought by another company.

Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!

Email your money question to [email protected] , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.