Tom McClellan of McClellan Financial Publications. Tom believes the markets have been in a bear market rally off the January/February lows. He sees another down-leg in March, leading to a more meaningful bottom in April, which could be the end of the bear market. He notes that we might also see another significant bottom in October, just before the presidential election in November. As to gold, Tom believes the rally this year has been overdone, and he expects gold will pull back soon, at least short-term. Tom also covers oil, interest rates, and the possibility of negative interest rates in the US. Also in this segment, Ryan Puplava has this week’s Market Wrap-up, and Ned Schmidt covers gold and commodities with Jim.