Scott D. Horner Financial Planner w/First Allied Securities

Scott D. Horner Financial Planner w/First Allied Securities This is my business page. I am a Financial Advisor with First Allied Securities Member FINRA/SIPC [www.finra.org/www.sipc.org].

• Securities offered through First Allied Securities, Inc., A Registered Broker/Dealer. Advisory services offered through First Allied Advisory Services, Inc. A Registered Investment Adviser.
• All third party posts are the responsibility of their respective authors. These opinions and information are subject to change at any time without notice or obligation of notification. The information is intended for informational purposes only and is not intended to provide tax, legal or investment advice.

🌕 Somewhere on the Moon, there's a crater that wasn't there two years ago, and it's the biggest one scientists have ever...
10/09/2026

🌕 Somewhere on the Moon, there's a crater that wasn't there two years ago, and it's the biggest one scientists have ever caught forming in real time.

A NASA researcher spotted it during what started as a routine check of lunar images. After comparing old and new photos, he realized he'd found the largest newly formed crater ever recorded anywhere in the solar system. It's now officially named McGetchin, after a pioneering lunar scientist, and it was carved out sometime between April and May of 2024, when a comet or asteroid roughly the size of a five-story building slammed into the surface.

The crater stretches about 728 feet across, roughly the length of two football fields, and drops 141 feet deep, enough to stack three school buses. 🔭 Scientists estimate that an impact this size only happens on the Moon about once a century.

There's more to it than just the hole itself. Researchers also found a patch of ground about four miles wide around the crater that stays noticeably cooler at night than the surrounding terrain, evidence of just how much a single impact can reshape the nearby surface.

It's a good reminder that even something as familiar as the Moon still has surprises waiting to be noticed; sometimes it just takes someone looking closely enough to catch them.


Source:

Scientists have discovered a crater on the moon that's bigger than the Roman Colosseum, the result of a powerful impact two years ago.

📌 Higher rates sting borrowers, but they can be a real win for savers.As rates rise, banks may increase the yields they ...
10/08/2026

📌 Higher rates sting borrowers, but they can be a real win for savers.

As rates rise, banks may increase the yields they offer on savings products to attract deposits. The average U.S. savings account still pays just 0.64% annual percentage yield. Some high-yield accounts are paying more than six times that, up to 4.2%, for the exact same deposit.

🔎 Certificates of deposit, or CDs, can offer even higher rates, but the tradeoff is access: your money is locked in for a set term, and pulling it out early usually costs a penalty.

Higher yields don’t erase the effects of inflation, and they won’t necessarily transform household finances. But if your savings account is still earning close to that 0.64% average, that gap alone might be worth a second look.


Source:

The Federal Reserve recently raised interest rates for the first time since 2023.

Yields have surged to multi-decade highs, raising questions about inflation, interest rates, and what's next for investo...
10/05/2026

Yields have surged to multi-decade highs, raising questions about inflation, interest rates, and what's next for investors. Join CIO Gene Goldman on this week's episode of as he unpacks what's driving the move in bond yields, why higher rates aren't all bad news, and the key catalysts that could bring relief in the weeks ahead.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

This Quarterly Recap summarizes market performance, major events and news from Q3 2026. Read more here:
10/01/2026

This Quarterly Recap summarizes market performance, major events and news from Q3 2026. Read more here:

Markets carried their momentum into the third quarter, with the S&P 500 finishing near record highs. However, the Dow Jones Industrial Average ended 5.1% below…

In Halberstadt, Germany, a small organ is performing what may be the world's slowest concert.The John Cage Organ Project...
09/30/2026

In Halberstadt, Germany, a small organ is performing what may be the world's slowest concert.

The John Cage Organ Project has been playing the same composition for nearly 25 years. It is scheduled to continue until Sept. 4, 2640.

The piece is called “ORGAN²/ASLSP,” short for “As Slow as Possible.”

A rare chord change recently took place inside the medieval Burchardi Church, moving the sound from seven notes to eight. That marked only the 17th chord change of the performance.

The full project will last 639 years, from 2001 to 2640. That time frame was chosen as a tribute to a historic organ in Halberstadt dating back to 1361.

The next chord change is scheduled for Oct. 5, 2027.

It is a remarkable reminder that not everything meaningful moves quickly. Some projects are built for patience, stewardship, and generations of people who may never see the ending but still help carry the work forward.


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A small organ in eastern Germany is the headliner of the world’s slowest concert. It has been playing the same piece of music by composer John Cage at a glacial pace for nearly 25 years.

In Cetera's latest commentary, they explore how higher rates, geopolitical uncertainty, and shifting market expectations...
09/29/2026

In Cetera's latest commentary, they explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape. Discover what’s driving the recent volatility and how investors can navigate an increasingly temperamental market environment.

In our latest commentary, we explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape.…

A busy week of economic data could have major implications for markets.In this week's episode of  , Brian Klimke breaks ...
09/28/2026

A busy week of economic data could have major implications for markets.
In this week's episode of , Brian Klimke breaks down the key reports investors will be watching, including Friday's nonfarm payrolls report, wage growth, PCE inflation data, and ISM Manufacturing.
With markets focused on both Federal Reserve policy and rising long-term Treasury yields, stronger economic data could reignite concerns about inflation and higher rates.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Some hospitals and medical providers are asking patients to pay more before receiving non-emergency care.The trend comes...
09/23/2026

Some hospitals and medical providers are asking patients to pay more before receiving non-emergency care.

The trend comes as deductibles, coinsurance, and other out-of-pocket costs continue to rise.

Traditionally, many patients received bills after treatment. Now, some providers are collecting preservice deposits based on their estimate of what a patient may owe.

A KFF Health News report noted that the average deductible for employer-sponsored family coverage is $3,762 per person. The average deductible for Affordable Care Act marketplace coverage rose 37% this year to $3,786.

For patients, upfront payment requests can create confusion, especially when insurance networks, deductibles, and estimated costs are unclear.

Emergency care has different rules. Hospitals that accept Medicare funding cannot demand upfront payment before stabilizing a patient who arrives at an emergency room.

For non-emergency care, it may be worth asking for an itemized estimate, confirming network status, and checking with the insurance company before making a large payment.


Source:

Hospitals and other medical providers are increasingly asking for payment before providing care, collecting more of what patients might owe.

The Fed's latest rate decision has captured attention, but earnings season may provide additional insight into the healt...
09/21/2026

The Fed's latest rate decision has captured attention, but earnings season may provide additional insight into the health of corporate America.
In this week's , CIO Gene Goldman discusses earnings expectations, the sectors driving recent growth, and key areas to watch as companies begin reporting quarterly results.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Read the latest issue of Financial Watch here:
09/17/2026

Read the latest issue of Financial Watch here:

When you know where your money is going, it can be easier to make sure it's going toward the things that matter most to you. In this month's Financial Watch,…

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