Between the Lines is published by Gary D. Halbert. Information contained herein is taken from sources believed to be reliable but cannot be guaranteed as to its accuracy. Opinions and recommendations herein generally reflect the judgment of Gary D. Halbert and may change at any time without any notice. Market opinions contained herein are intended as general observations and are not intended as specific advice. Readers are urged to check with their financial counselors before making any decisions. This publication does not constitute an offer of sale of any securities. Gary D. Halbert is also president and CEO of Halbert Wealth Management, Inc., an affiliated registered investment advisor, though Halbert Wealth Management is not the publisher of Between the Lines. Past results are not necessarily indicative of future results.