Financial planning is the key to happier fiscal future.

In today’s financial climate it can often be difficult to know what to do with your money, especially if you are looking to begin saving for retirement, college expenses for a child or other large expenses. Worry caused by money and finances can be a great stressor in life, so why not do yourself a favor and get rid of this unneeded stress by setting up a financial plan with a professional financial planner at LSB Financial? 

Not only will this help with your own angst and anxiety, but financial planning will also ensure you have the money set aside for future expenses and to live the life you want. Statistics from the 2012 Household Financial Planning Survey conducted by the Princeton Survey Research Associates for the Consumer Federation of America back this claim up.

For example, those surveyed who had a financial plan were more likely to say they live comfortably, are confident in managing finances (money, savings, investments) and have a much higher feeling of control over their finances than those without a plan. Survey participants with a financial plan were also more likely to say they did not feel behind on specific financial goals.

How great would it feel to be confident about your financial future? Financial planning can create solid financial habits and increase a feeling of assurance. About 46 percent of those with a financial plan regularly saved 10 percent of their income, as opposed to only 16 percent of non-planners that did the same.

The professionals at LSB Financial can help you start your journey toward a secure financial future. Imagine not having to worry about emergency expenses, being able to send your child to a great college or outliving your money 10, 15 or 20 years down the road. That dream begins with a solid financial plan, and LSB would love to help you create it.

*Important Notes: Securities and Financial Planning offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. They are not a deposit, not FDIC insured, not covered by a bank guarantee, not insured by any federal government agency and may lose value. Insurance products offered through LPL Financial or its licensed affiliates. Lincoln Savings Bank and LSB Financial are not registered broker/dealers and are not affiliated with LPL Financial.

• Over the past week, the LPL Financial Current Conditions Index (CCI) slid further to 219. The path of the CCI remains consistent with continued, though sluggish, economic growth in the United States.
• This year, the CCI has echoed the spring and summer slides of 2010 and 2011, as the economy softened. The CCI has also reflected a repeat of the subsequent rebounds seen in the past two years. However, decoupling from the trends of the past couple of years, momentum has slowed in recent weeks and has returned to the lows of the summer. 

View the entire Current Conditions Index (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above current conditions index for the week of December 12, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx 
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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/ 

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Economic Commentary Highlights... 

• We expect the Federal Reserve (Fed) to continue Operation Twist at this week’s Federal Open Market Committee (FOMC) meeting. Before ending quantitative easing (QE), the Fed has repeatedly said it is looking for “sustained and substantial” improvement in the labor market.
• The Fed’s communication policy is likely to be at the heart of the agenda.
• Looking ahead, the rotation to new FOMC members in January 2013 is unlikely to significantly impact monetary policy in 2013.  

View the entire economic commentary (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of December 12, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx 
________________________________________________________________________
This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902.http://www.mylsb.com/ 

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Economic Commentary Highlights... 

• The United States’ structural budget deficit looms behind the fiscal cliff. 
• Waste, fraud, and abuse, domestic discretionary programs and foreign aid receive a great deal of attention in the media, but are not a significant source of the nation’s long-term budget woes.
• Eighty percent of federal outlays are growing at an unsustainable pace and will contribute the most to our medium- and long-term budget woes in the coming decade.

View the entire economic commentary (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of November 20, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx 
________________________________________________________________________
This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902.http://www.mylsb.com/ 

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

11/8/12 Election Poll Highlights... 

• In the past week ending Wednesday, the day after the elections, the LPL Financial “Wall Street” Election Poll Index sharply reversed the move toward Republican-favored industries relative to those favored by Democrats that began following the first presidential debate.

• Our “Wall Street” Election Poll had accurately favored Democrats all year, with Democrat-favored industries outperforming by a wide margin of about 20%. In the month leading up to the election, the Republican-favored sectors finally began to outperform and erode some of the relative gains of the Democrat favored industries. The Republican-favored industries even outperformed on Election Day, as Democrat-favored industries such as Health Care Facilities and Health Care Services were the worst performing industries of the S&P 500 on Election Day. However, these Democrat-favored industries were among the best performers on the day after the election, while Republican-favored industries suffered. For example, the Republican-favored Coal and Consumable Fuels index, which had risen +26% since the first presidential debate through Election Day, fell -8% on the day after the election.

View the entire Election Poll (pdf format)
________________________________________________________________________Lincoln Savings Bank and LSB Financial are pleased to provide the above Election Poll for the week of November 8, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx
________________________________________________________________________
This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Market Commentary Highlights... 

• With the power transitions taking place last week, it has become apparent that gridlock is now a global phenomenon taking root in the United States, Europe, and China.

• Fortunately for them, the Chinese possess an advantage that other countries do not: economic growth seems to be improving. 

• Investments that benefit from China’s growth may do well, namely commodities such as precious metals and oil, along with stock market sectors that benefit from solid export demand from China, like information technology.

View the entire Market Commentary (pdf format) 
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of November 12, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found here. 
________________________________________________________________________
This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Economic Commentary Highlights... 

• We believe lawmakers will move swiftly to avoid the looming fiscal cliff, and act as soon as possible to put the United States on a path to longer term fiscal stability.

• We do not expect a recession in the United States.

View the entire economic commentary (pdf format)
________________________________________________________________________Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of November 15, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx 
________________________________________________________________________
This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902.http://www.mylsb.com/ 

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

11/1/12 Election Poll Highlights... 

• In the past week ending Wednesday, the LPL Financial “Wall Street” Election Poll Index reflected a modest further move toward Republican favored industries relative to those favored by Democrats, a move that began following the first Presidential debate.

• Over the past week, the S&P 500 was unchanged during two days that trading was shut down due to Hurricane Sandy. During the shortened trading week, stocks moved only modestly. Most notably, Democrat-favored industries that suffered losses for the week were Home builders, Construction Materials, and Health Care Services. The Republican-favored Oil Exploration and Production industry posted the most significant gain for the week.

View the entire Election Poll (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Election Poll for the week of November 1, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx
________________________________________________________________________

This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.Not FDIC Insured, No Bank Guarantee, May Lose Value Not a Deposit, Not Insured by any Federal Government Agency Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

10/11/12 Election Poll Highlights... 

• In the past week ending Wednesday, the LPL Financial “Wall Street” Election Poll Index reflected little change relative to the impact of the first debate that resulted in a large move toward Republican-favored industries relative to those favored by Democrats.

• Over the past week, most industries in the Republican index posted solid gains. However, Democrat-favored industries posted even stronger gains over the past week, with the most sizable gains in Homebuilding and Construction Materials.

View the entire Election Poll (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Election Poll for the week of October 18, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx
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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.Not FDIC Insured, No Bank Guarantee, May Lose Value Not a Deposit, Not Insured by any Federal Government Agency Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Economic Commentary Highlights... 

• The September 2012 employment report did little to change our view on the labor market, the overall economy, or on the outlook for the Federal Reserve’s (Fed’s) quantitative easing (QE) program.

• The Federal Open Market Committee (FOMC) minutes revealed that when discussing the labor market, FOMC members noted that “growth in employment had been disappointing.”

• In our view, markets (and the public) are likely to continue to clamor for more specifics and  transparency from the Fed.

View the entire economic commentary (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of October 8, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx 
________________________________________________________________________

This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902.http://www.mylsb.com/ 

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC. Not FDIC Insured, No Bank Guarantee, May Lose Value Not a Deposit, Not Insured by any Federal Government Agency 

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Market Commentary Highlights... 

• This week will mark five long years since the S and P 500 reached its all-time peak on October 9, 2007.

• As the S and P 500 nears the previous highs for the third time in 15 years, is the market poised to repeat the pattern and soon embark on a third long and deep multi-year slide? 

• We see four key supports that make it unlikely that stocks will follow the pattern of another multiyear trip back to the bottom of the 15-year range: earnings, dividends, valuations, and the economy.

View the entire Market Commentary (pdf format) 
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of October 8, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found here. 
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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/
Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.Not FDIC Insured, No Bank Guarantee, May Lose ValueNot a Deposit, Not Insured by any Federal Government Agency 
Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

10/11/12 Election Poll Highlights... 

• In the past week ending Wednesday, the LPL Financial “Wall Street” Election Poll Index reflected the impact of the debate and a large move toward Republican-favored industries relative to those favored by Democrats. This is the first meaningful move toward Republicans since the start of the summer before the Supreme Court upheld the Affordable Care Act.

• Over the past week, most industries in the Republican index posted gains, most notably the Coal industry, which was specifically named by presidential candidate Romney in the debate. Most Democrat-favored industries fell significantly over the past week with the most sizable declines in Home building and Health Care facilities.

View the entire Election Poll (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Election Poll for the week of October 11, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx
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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.Not FDIC Insured, No Bank Guarantee, May Lose Value Not a Deposit, Not Insured by any Federal Government Agency Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Market Commentary Highlights...

• The new fiscal year likely brings another trillion in U.S. federal debt to add to the mounting total.
• Federal debt held by the public has doubled from five years ago, before the financial crisis and Great Recession.
• The big buyers of federal debt have been foreigners; further dependence on foreign demand may continue to weaken the dollar and benefit precious metals.

View the entire Market Commentary (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of October 1, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found here.

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.
Not FDIC Insured, No Bank Guarantee, May Lose Value
Not a Deposit, Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

09/27/12 Election Poll Highlights...

• In the past week ending Wednesday, the LPL Financial “Wall Street” Election Poll Index reflected a modest move back toward Republicans, after setting a new high for Democrat-favored industries relative to those favored by Republicans in the prior week. The market continues to increasingly reflect a status quo election outcome.
• Over the past week, the overall market fell. Most industries in both the Democrat and Republican indexes declined, but the most sizable downward moves were seen in the Democrat-favored Homebuilding and Construction related industries.

View the entire Election Poll (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Election Poll for the week of September 27, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.
Not FDIC Insured, No Bank Guarantee, May Lose Value
Not a Deposit, Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Economic Commentary Highlights...

• We believe the U.S. economic backdrop does not support a sustained uptick in inflation anytime soon.
• However, food and energy prices may begin to push overall inflation readings modestly higher
  over the next few months.
• Our review of the Federal Reserve’s (Fed) Beige Book suggests that the typical preconditions for inflation do not appear to be currently in place.

View the entire economic commentary (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of September 24, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx


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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/


Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC. Not FDIC Insured, No Bank Guarantee, May Lose Value Not a Deposit, Not Insured by any Federal Government Agency


Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Market Commentary Highlights...

• This quarter is shaping up to be the worst quarter for corporate profits in three years when the recovery was just getting underway, as the United States joins Europe and China in experiencing falling profits.
• The currently sluggish U.S. economy, European recession, and slowing Chinese economic growth — not to mention the threat of the fiscal cliff — all suggest that this is probably not the last quarter of disappointing earnings growth.
• This quarter we will be watching three factors to help us gauge the extent of the earnings slowdown: the stall in manufacturing, the peaking of profit margins, and the impact of share buybacks.

View the entire Market Commentary (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of September 24, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found here.

###

This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.
Not FDIC Insured, No Bank Guarantee, May Lose Value
Not a Deposit, Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Economic Commentary Highlights...

• We’ve had QE1, QE2, and Operation Twist, but last week the Fed announced QE Forever (or what we call open-ended QE).
• QE will create jobs indirectly, as we should likely see a weaker dollar, lower corporate borrowing costs, and more housing construction.
• The Fed is probably looking for sustained job creation in the 150,000 to 250,000 per month range before it considers discontinuing QE.

View the entire economic commentary (pdf format)


Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of September 17, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx


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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/


Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC. Not FDIC Insured, No Bank Guarantee, May Lose Value Not a Deposit, Not Insured by any Federal Government Agency


Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

09/13/12 Election Poll Highlights...

• In the past week ending Wednesday, the LPL Financial “Wall Street” Election September 13, 2012 Poll Index reflected a further move toward Democrats, setting another new high for Democrat-favored industries relative to those favored by Republicans. The market continues to increasingly reflect a status quo election outcome.
• Over the past week, the overall market rose. Most industries in both the Democrat and Republican indexes rose, but the strongest gains were seen in the Democrat-favored Homebuilding and Construction Materials industries. Republican-favored industries that saw solid gains last week were the Coal Producers and Diversified Financials.

View the entire Election Poll (pdf format)
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Lincoln Savings Bank and LSB Financial are pleased to provide the above Election Poll for the week of September 13, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.
Not FDIC Insured, No Bank Guarantee, May Lose Value
Not a Deposit, Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Economic Commentary Highlights...

• The dynamic U.S. economy creates and destroys millions of jobs each month.
• “Good old American know-how” continues to be in demand overseas, and professional and business services jobs are benefitting.
• The slow pace of job growth may prompt the Federal Reserve (Fed) to act this week to add more monetary stimulus to the economy.

View the entire economic commentary (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Economic Commentary for the week of September 10, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found at www.mylsb.com/investments/commentary.aspx

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.
Not FDIC Insured, No Bank Guarantee, May Lose Value
Not a Deposit, Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Market Commentary Highlights...

• A stock market-based “election poll” is useful, in that it highlights what the market is pricing in
  about the outcome of the November elections.
• Our “Wall Street” Election Poll suggests Republicans have yet to erode the gains in the odds that Democrats retain their control in Washington.
• Investors may have become too complacent that the Senate Democrats will retain their seats and quickly find a grand compromise with House Republicans to avoid going over the so called fiscal cliff into a recession in 2013.

View the entire Market Commentary (pdf format)

Lincoln Savings Bank and LSB Financial are pleased to provide the above Market Commentary for the week of September 4, 2012. The commentary is prepared by LPL FINANCIAL RESEARCH, the broker-dealer partner for Lincoln Savings Bank and LSB Financial. The above commentary and others like it can be found here.

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This information is being provided by Lincoln Savings Bank (LSB) / LSB Financial, an Iowa-based institution devoted to providing complete financial services since 1902. http://www.mylsb.com/

Securities and Insurance products offered through LPL Financial and its affiliates, member FINRA / SIPC.
Not FDIC Insured, No Bank Guarantee, May Lose Value
Not a Deposit, Not Insured by any Federal Government Agency

Lincoln Savings Bank and LSB Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.