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From: "Scott Durrett" <scott.durrett@afs.ameriprise.com>
To: <danny@sterlingcal.com>
Subject: Why a repeat of the 2008 housing crash is unlikely
Date: Tue, 16 Aug 2022 06:34:18 -0600
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Ameriprise
 


 
 

 
 Dalton and Associates
 
  
 

August 2022

 Prepared for: Danny Groina

Market update 

Is the bear market coming to an end?

Stocks recorded an impressive performance in July. Is the recent rally just a bear market bounce or the start of a more meaningful recovery?

http://click.afs.ameriprise.com/?qs=2899c3ce3d665bc1b5b5e174728d4f580a957cce29c14e8d31b7de3c06b57f43e641db98e5534daaea7333dc647af4de855eabe81fc96777804d488ecaf3215f 
Get the insights
   

Why a repeat of the 2008 housing crash is unlikely

High home prices and rising mortgage rates have some wondering if history will repeat itself. Here are four reasons that is unlikely.

http://click.afs.ameriprise.com/?qs=2899c3ce3d665bc1bc4c5a1d0800a56d6195fad8e239c7a2b9d5de525aba24224159339205dfc8b6f0008adde5143e7a98e86ba0b4398cc317e917136d447a33 
Read more
  

How Russia’s war could reshape the energy sector

The backlash against Russian expansionism is quietly creating long-term investment opportunities in energy.

http://click.afs.ameriprise.com/?qs=2899c3ce3d665bc1f5a50a3ebf477714c49aa099165cc3db3288c0720cfcc5c5fa17473f3b357805686ec02eb6f32b35b260d718a6ee8600a274df5057708ea5 
Learn more

  
 
 http://click.afs.ameriprise.com/?qs=2899c3ce3d665bc1c637a60a64a4268ac7561a97a47be38475badd0af4c78a53b4d0c8a178b5f6b86f030989a0b6a71a65a8e3a50f10b67d4dc67a1b7a08d2b0 



 
 

 

  
 Connect with me

  
  
 
 Scott Durrett 
  Financial Advisor 
  Associate Vice President 
  Dalton and Associates
  A private wealth advisory practice of Ameriprise Financial Services, LLC 
      
 
  
 562.308.4526562 


  

 
mailto:scott.durrett@ampf.com 

  
mailto:scott.durrett@ampf.com 
Email me  


  

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Visit my site 


  

  
 
  
 
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http://click.afs.ameriprise.com/?qs=2899c3ce3d665bc188db0af507d3020487c32d2293ca1c7ba457a71f64c01595d935248ac159cc88cb8cc722bb1646cdeb5de91016992d3c839fc55751d1be1a 

 Scott Durrett

 Financial Advisor

  Associate Vice President

   Dalton and Associates

  A private wealth advisory practice of Ameriprise Financial Services, LLC 

  

    2029 Century Park E Ste 2550

  Los Angeles, California 90067-2936

 

  

  Office Phone: 562.308.4526562

   Email: scott.durrett@ampf.com

   Website: www.ameripriseadvisors.com/scott.durrett 


  

  


 

 
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 The views expressed by Ameriprise affiliates are as of the date given, may change as market or other conditions change, and may differ from views expressed by other Ameriprise Financial associates or affiliates. Newsletter information and opinions from third-party sources are believed to be reliable, but accuracy and completeness cannot be guaranteed. This is not a solicitation to buy or sell the securities mentioned. Do not use this information as the sole basis for investment decisions; it is not intended as advice designed to meet the particular needs of an individual investor.
 

The Most Trusted Financial Companies Survey is issued by Investor's Business Daily and TechnoMetrica Market Intelligence, ranking financial companies based on consumer trust. The study was conducted in two phases between July 9 and Aug. 11, 2021, with 343 individuals responding to Phase 1 and 6,578 participants in Phase 2. Seventy-four companies met the requirements for inclusion in the rankings, i.e., 100 or 125 respondents, depending on the category.
 

Phase 1 identified attributes of financial institutions that are most important to consumers in terms of “trust.” Phase 2 used the attributes defined in Phase 1 and respondents evaluated companies on a five-point scale based on how much they trusted the company regarding that attribute. Scores were computed by taking the difference between the percentage of respondents giving high and low scores. Percentages were weighted and used to produce the Trust Index rating.
 

See http://click.afs.ameriprise.com/?qs=2899c3ce3d665bc1701ae75b14b42e21f620060e3711b2458392375dff4a76527ef30641d0f783903470930475c2134e925337bc2a042e99721021f2d0fa5f43 for the full methodology.
 

      Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. 


 Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
 


 Ameriprise Financial Services, LLC. Member FINRA and SIPC.
 


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table { border-spacing: 0; font-family: sans-serif; color: #4d4e53; }
td { padding: 0; }
img { border: 0; }
/* outlook visited link state */
span.MsoHyperlink { mso-style-priority:99; color:inherit; text-decoration: inherit; }
span.MsoHyperlinkFollowed { mso-style-priority:99; color:inherit; text-decoration: inherit; }
/* end outlook visited link state */
.wrapper { width: 100%; table-layout: fixed; -webkit-text-size-adjust: 100%; -ms-text-size-adjust: 100%; }
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            max-width: 620px; /* set to max-width of full email */
            height: auto; }
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            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: top; /* this will align the column just as if it's a table cell */ }
.multi-column-align-middle .column { width: 100%; max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;vertical-align: middle; /* this will align the column just as if it's a table cell */ }
.multi-column-align-bottom .column { width: 100%; max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
   display:inline-block; vertical-align: bottom; /* this will align the column just as if it's a table cell */ }
</style>
      <!--[if gt mso 15]>       <style type="text/css" media="all">          /* Outlook 2016 Height Fix */          table, tr, td {border-collapse: collapse;}          tr { font-size:0px; line-height:0px; border-collapse: collapse; }       </style>       <![endif]-->
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 a { color:inherit; text-decoration:none; }
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<style>
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        [owa] .desktopWidth154px {
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        [owa] .desktopWidth120px {
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        [owa] .desktopWidth64px {
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        [owa] .desktopWidth40px {
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        [owa] .desktopWidth20px {
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        [owa] .desktopFont36px {
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        [owa] .desktopPaddingBottom40px {
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        [owa] .desktopPaddingBottom35px {
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        [owa] .desktopPaddingTop40px {
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        [owa] .desktopPaddingTop35px {
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        [owa] .desktopPaddingRight40px {
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        [owa] .desktopPaddingRight30px {
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<style>
        /*Modules*/
        h2 {
            font-family: Arial, Helvetica, sans-serif; 
            color: #4d4e53;
            font-size: 18px;
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            padding: 20px;
            border: solid 1px #4d4e53;
            background-color: #fad7b1;
            text-transform: uppercase;
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        /* Basics */
        body {
            margin: 0 auto!important;
            padding: 0;
            background-color: #ffffff;
            -webkit-text-size-adjust: none; 
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        table {
            border-spacing: 0;
            font-family: sans-serif;
            color: #4d4e53;
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        td {
            padding: 0;
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        img {
            border: 0;
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        /* outlook visited link state */
        span.MsoHyperlink {
            mso-style-priority:99;
            color:inherit;
            text-decoration: inherit;
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        .wrapper {
            width: 100%;
            table-layout: fixed;
            -webkit-text-size-adjust: 100%;
            -ms-text-size-adjust: 100%;
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        .webkit {
            max-width: 620px; /* set to max-width of full email */
            margin: 0 auto;
        }
        .full-width-image img {
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            max-width: 620px; /* set to max-width of full email */
            height: auto;
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        .multi-column-align-top .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: top; /* this will align the column just as if it's a table cell */
        }
        .multi-column-align-middle .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: middle; /* this will align the column just as if it's a table cell */
        }
        .multi-column-align-bottom .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: bottom; /* this will align the column just as if it's a table cell */
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.ExternalClass * { line-height: 112%; }
.ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td { line-height: 112%; }
a[href^=tel], .nolinkcolor > a { /* this is the iOS and Outlook.com styling override */
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}
.sup, td { -webkit-text-size-adjust: none; }
table, td {
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em { font-style: italic; }
strong { font-weight: bold; }
.link { /* use this span insde the link tag to fix links for Outlook 2013/16 */
 color: inherit;
 text-decoration: inherit;
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.appleLinks a {
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.appleLinks2 a { color: inherit !important; }
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 font-size: inherit !important;
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th { font-weight: normal; }

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/***** Global Styles *****/
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*[class].fullgmail, .fullgmail {width: 100% !important; min-width: 320px !important;}
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*[class].mobileshow, .mobileshow {
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*[class].nopad, .nopad { padding: 0px 0px 0px 0px !important; }
*[class].padmain, .padmain {
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*[class].padmain2, .padmain2 {
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*[class].displayBlock, .displayBlock {
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*[class].widthauto, .widthauto { width: auto !important }
*[class].borderadius, .borderadius { border-radius:3px !important;-moz-border-radius:3px !important;-webkit-border-radius:3px !important; height:40px !important; width:auto !important}
*[class].padT10, .padT10 {
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*[class].pad11, .pad11 { padding-left: 20px !important;padding-right: 20px !important; }
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   </head>
   <body bgcolor="#ffffff" style="margin: 0px; padding: 0px; -webkit-text-size-adjust:none; -ms-text-size-adjust: none;"><style type="text/css">
div.preheader 
{ display: none !important; } 
</style>
<div class="preheader" style="font-size: 1px; display: none !important;">How Russia’s war could reshape the energy sector</div>
      <img src="http://click.afs.ameriprise.com/open.aspx?ffcb10-feca17747c64067e-fe581777736403747214-fe31117171640478711374-ff921c75-fe5b15777c66007f7113-ff3610717766&d=110013&bmt=0" width="1" height="1" alt="">
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                        <td align="center" valign="top" bgcolor="#ffffff">
                           <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"></td></tr></table>

                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><div role="article" aria-roledescription="email" lang="en" style="-webkit-text-size-adjust:100%;                                                                   -ms-text-size-adjust:100%;                                                                   background-color:#ffffff;">
  <table border="0" cellspacing="0" cellpadding="0" width="100%">
    <tr>
      <td align="center">
        <!--PWA Qualified version-->
        <img width="176" height="" style="display: block;" alt="Ameriprise Private Wealth Practice" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/d8f88d3a-66ca-479a-9629-21537266f7b2.png" border="0">
        <div style="width: 176px; text-align: center; color: rgb(94, 108, 117); line-height: 15px; font-family: &quot;PublicoHeadlineRoman&quot;, Georgia, serif; font-size: 13px;">Dalton and Associates<br>
        </div> <div style="height: 4px; line-height: 6px; font-size: 12px;">
        &nbsp;
        </div>
        <table class="mobile320px" style="border-top-color: rgb(83, 98, 111); border-top-width: 0px; border-top-style: solid;" width="600" cellspacing="0" cellpadding="0" border="0" bgcolor="#ffffff">
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  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; ">
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      <td class="stylingblock-content-wrapper camarker-inner">
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            <td align="center" valign="top">
              <!--start mobile image-->
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              <div class="desktopHide mobileShow mobileWidth100Percent">
                <img alt="" border="0" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/0b607a09-1c98-49ae-b140-9b2be7e111ac.jpg" style="display: block;" width="100%">
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                <!--[if (gte mso 12)|(IE)]> <table cellpadding="0" cellspacing="0" border="0" style="width: 600px;"> <![endif]-->
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                    <table border="0" cellpadding="0" cellspacing="0" width="100%">
                      <tr>
                        <td align="center" valign="top">
                        </td>
                      </tr>
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                    <!--[if gte mso 9]>                                                     </v:textbox> </v:rect> </v:image>                                                 <![endif]-->
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        <table class="mobile320px" style="border-top-color=" ";="" border-top-width:="" 0px;="" border-top-style:="" "";"="" width="600" cellspacing="0" cellpadding="0" border="0" bgcolor="#ffffff">
          <tr>
            <th width="600px" height="50" valign="middle" style="padding: 10px; padding-left:25px; text-align:left;">
              <span style="font-family:Helvetica,Arial,sans-serif;font-size:13px;font-weight:400;line-height:1.5">August 2022<br>
                Prepared for: Danny Groina</span>
            </th>
          </tr>
        </table>
    </td></tr></table></div></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--start prospect body-->
<div role="article" aria-roledescription="email" lang="en" style="-webkit-text-size-adjust:100%;                                                                   -ms-text-size-adjust:100%;                                                                   background-color:#ffffff;">
  <table width="100%" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation">
    <tr>
      <td align="center"><!--[if mso]> <table role="presentation"  align="center"  style="width:600px;"> <tr> <td style="padding:00px 0;"> <![endif]-->
        
        <div class="outer" style="width:100%;                                   max-width:600px;                                   margin:00px auto;">
          <div class="one-col" style="text-align:center;                                       font-size:0;                                       background-color:#f5f5f5;"> 
            <!--[if mso]> <table role="presentation"  width="100%"  style="width: 600px;  margin: 0 0;  background-color:#f5f5f5;"  width="600"  align="center"> <tr> <td style="width:100%; padding:0px;"  valign="middle"> <![endif]-->
            <div class="column" style="width:100%;                                        max-width:600px;                                        display:inline-block;                                        vertical-align:middle;">
              <div style="padding:0px;                           text-align:center">
                <p style="margin:0;         padding:0px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;                           font-size:14px;                           line-height:18px;                           align:center"> <img src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/8d888f6d-078f-434e-917f-cdad3194bc29.jpg" width="600" alt="Article 1 Image" style="display:block;                                                                                            width:100%;                                                                                            height:auto;                                                                                            max-width:600px;"> </p>
              </div>
            </div>
            <!--[if mso]> </td> </tr> </table> <![endif]--> 
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          <div class="one-col" style="text-align:center;                                       font-size:0;                                       background-color:#f5f5f5"> 
            <!--[if mso]> <table role="presentation"  width="100%"  style="width: 600px;  margin: 0 0;  background-color:#f5f5f5;"  width="600"  align="center"> <tr> <!--[if mso]> </td> <td style="width:100%; padding: 0px 20px 0px 20px;"  valign="middle">&nbsp; <![endif]-->
            <div class="column" style="width:100%;                                        max-width:600px;                                        display:inline-block;                                        vertical-align:middle;">
              <div style="padding:20px;                           font-size:14px;                           line-height:18px;                           text-align:left;">
                <p style="margin-top:0;                           margin-bottom:9px;                           line-height:30px;                           font-family:'PublicoHeadlineRoman', 'Times New Roman', Times, serif;                           font-size:24px;                            font-weight:400;                            color:#007886;">Market update </p>
                <p style="margin-top:0;                           margin-bottom:20px;                           font-family: 'PublicoHeadlineRoman', 'Times New Roman', Times, serif;                           font-size:24px;                            font-weight:400;                            color:#053e6a;">Is the bear market coming to an end?</p>
                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">Stocks recorded an impressive performance in July. Is the recent rally just a bear market bounce or the start of a more meaningful recovery?</p>
                <p style="margin:0;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;" align="center"> 
<a href="http://click.afs.ameriprise.com/?qs=2899c3ce3d665bc1c35dece16378c165fde735d95a925419cb7fde35a94a6640acde0500b72ce684873ef66b7fda1a72a7333a1431ce20b09e34639372fba10a"  style="background: #f5f5f5;                                                                                                       border: 2px solid #003D6D;                                                                                                       text-decoration: none;                                                                                                       padding: 7px 40px;                                                                                                       color: #003D6D;                                                                                                       border-radius: 0px;                                                                                                
       display:inline-block;                                                                                                      mso-padding-alt:0;                                                                                                      text-underline-color:#003D6D"> 
                  <!--[if mso]> <i style="letter-spacing: 25px; mso-font-width:-100%; mso-text-raise:30pt" hidden>&nbsp;</i><![endif]--> 
                  <span style="mso-text-raise:15pt;">Get the insights</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><br><br><br><![endif]--> 
                  </a> </p>
              </div>
            </div>
            <!--[if mso]> </td> </tr> </table> <![endif]--> 
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          <div class="spacer" style="line-height:24px;                                      height:24px;                                      mso-line-height-rule:exactly;">&nbsp;&nbsp; </div>
          <div class="two-col" style="text-align:center;                                       font-size:0;                                       background-color:#f5f5f5;"> 
            <!--[if mso]> <table role="presentation"  width="100%"  style="width: 600px;  margin: 0 0;  background-color:#f5f5f5;"  width="600"  align="center"> <tr> <td style="width:50%; padding:0px;"  valign="middle"> <![endif]-->
            <div class="column" style="width:100%;                                        max-width:300px;                                        display:inline-block;                                        vertical-align:middle;">
              <div style="padding:0px;">
                <p style="margin:0;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;                           font-size:14px;                           line-height:18px;"> <img src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/6481e423-df24-40a0-8ea0-72de4c75e4b8.jpg" width="300" alt="Article 2 Image" style="display:inline-block;                                                                                               width:100%;                                                                                               height:auto;                                                                                               max-width:300px;"> </p>
              </div>
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            <!--[if mso]> </td> <td style="width:50%; padding: 0px 20px 0px 20px;"  valign="middle"> <![endif]-->
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            Scott Durrett</td></tr><tr>
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            Financial Advisor<br>
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             A private wealth advisory practice of Ameriprise Financial Services, LLC&nbsp;</td></tr><tr>
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            The views expressed by Ameriprise affiliates are as of the date given, may change as market or other conditions change, and may differ from views expressed by other Ameriprise Financial associates or affiliates. Newsletter information and opinions from third-party sources are believed to be reliable, but accuracy and completeness cannot be guaranteed. This is not a solicitation to buy or sell the securities mentioned. Do not use this information as the sole basis for investment decisions; it is not intended as advice designed to meet the particular needs of an individual investor.
            <br>
            <br>The Most Trusted Financial Companies Survey is issued by Investor's Business Daily and TechnoMetrica Market Intelligence, ranking financial companies based on consumer trust. The study was conducted in two phases between July 9 and Aug. 11, 2021, with 343 individuals responding to Phase 1 and 6,578 participants in Phase 2. Seventy-four companies met the requirements for inclusion in the rankings, i.e., 100 or 125 respondents, depending on the category.
            <br>
            <br>Phase 1 identified attributes of financial institutions that are most important to consumers in terms of “trust.” Phase 2 used the attributes defined in Phase 1 and respondents evaluated companies on a five-point scale based on how much they trusted the company regarding that attribute. Scores were computed by taking the difference between the percentage of respondents giving high and low scores. Percentages were weighted and used to produce the Trust Index rating.
            <br>
            <br>See https://www.investors.com/news/most-trusted-financial-companies-survey-methodology/ for the full methodology.
            <br>
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            <strong>Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. </strong>
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            Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
            <br>
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            Ameriprise Financial Services, LLC. Member FINRA and SIPC.
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            &copy; 2022 Ameriprise Financial, Inc. All rights reserved. 
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