Throughout 2019, S&P 500 cash spending is expected to drop by 6%-- the sharpest annual decline since 2009.   Today's Stocks & Topics: EGO – El Dorado Gold Corp., Earnings, SPLK - Splunk Inc., PFFR - InfraCap REIT Preferred ETF, Universal Life Insurance, MYGA: Multi-Year Guarantee Annuities, Gold.   Plus: Key Benchmark Numbers and Market Comments for: Gold, Oil, Gasoline, Treasury Yields; TRIVIA QUESTION: "Can you name TWO 2019 IPOs that have done very well-- and TWO IPOs that have proved, so far, to be horrible investments?"