Subject: File No. S7-34-11
From: Paul Bedinger
Affiliation: Cantella & Co., Inc.

September 20, 2011

Please be aware that many investors have been helped by the addition of mortgage reit income. Today many retired individuals are facing a very stressful decision in these unusual times. Do I risk my principal or invade my principal. Once a senior citizen must spend their principal it is gone forever. Please keep in mind the many investors who are able to keep up with their growing expenses are dependent on options that are available in the market place. Please keep this in mind as your review these investments.


Paul Bedinger
Cantella & Co., Inc.
76 Northeastern Blvd
Suite 31A
Nashua NH 03062