10 things you need to know before the opening bell (SPY, SPX, QQQ, DIA, GS, YHOO, CSCO)

The Bank of Japan's governor warns on low rates. "A new challenge has emerged in the form of at financial institutions," BOJ head Haruhiko Kuroda said while speaking at an international conference on deposit insurers. "These developments suggest that a different kind of financial crisis could happen in the future."

Australia's jobs report beats. The Australian economy added 13,500 jobs in seasonally adjusted terms, beating expectations for a gain of 10,000. All of the growth, however, came from part-time employment, which surged by 58,300, offsetting a sharp decline in full-time workers, which tumbled by 44,800.

Goldman Sachs is at an all-time high. Wednesday's session not only marked Goldman's second straight close in record territory but saw shares eclipse the October 2007 all-time high of $250.70 a share.

Cisco sees softness in its core business. The company beat on the top and bottom lines but said revenue from its key "NGN Routing, Switching and Data Center product revenue decreased by 10%, 5% and 4%, respectively." Shares fell by more than 1% in after-hours trade.

Snapchat has reportedly set the value of its IPO. The company has set a valuation of $19.5 billion to $22.2 billion for its initial public offering, the lower end of its range. A valuation at that level prices shares at $14 to $16.

Canada Goose files to go public. Following Wednesday's closing bell, the winter-apparel maker announced its intentions for a $100 million initial public offering. The stock will trade under the ticker GOOS.

Hackers may have accessed some Yahoo accounts without passwords. The hackers may have used a forged "cookie" to gain access to users accounts without a password, CNET reports.

Stock markets around the world trade mixed. China's Shanghai Composite (+0.5%) led the advance in Asia, and Britain's FTSE (-0.5%) trails in Europe. The S&P 500 is set to open little changed near 2,350.

Earnings reports keep coming. Charter Communications, Duke Energy, and MGM Resorts are among the names reporting ahead of the opening bell.

US economic data remains heavy. Housing starts, building permits, initial jobless, and the Philly Fed claims will be released at 8:30 a.m. ET. The US 10-year yield is down 2 basis points at 2.47%.