Total Financial Concepts, Inc

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p align="left"><font face="Verdana, arial, helvetica, sans - serif" color="#322bc8" size="4"><strong>Life's a journey....We have the directions!</strong></font></p> <p><img height="144" alt="lady with paper" hspace="" width="130" border="0" with="" src="/files/10023/lady with newpaper.jpg" /> <img height="144" alt="child with apple" hspace="" width="130" border="0" with="" src="/files/10023/child with apple.jpg" /> <img height="144" alt="old couple" hspace="" width="130" border="0" src="/files/10023/old couple.jpg" /></p> <p><img height="144" alt="graduation picture" hspace="" width="130" border="0" src="/files/10023/graduation picture.jpg" /> <img height="144" alt="TFC.jpg" hspace="" width="133" border="0" src="/files/10023/TFC.jpg" /> <img height="144" alt="wedding couple" hspace="" width="130" border="0" src="/files/10023/wedding couple.jpg" /></p> <p><img height="144" alt="office meeting" hspace="" width="130" border="0" src="/files/10023/office meeting.jpg" /> <img height="144" alt="windmil with guy" hspace="" width="130" border="0" and="" src="/files/10023/windmill and guy.jpg" /> <img height="144" alt="grandparents with child" hspace="" width="130" border="0" with="" src="/files/10023/grandparents with child.jpg" /></p> <p style="MARGIN: 0px; LINE-HEIGHT: 100%" align="center" with=""><font size="4"><strong><font face="Arial" color="#000080">Total Financial Concepts, Inc.</font></strong></font> </p> <p style="MARGIN: 0px; LINE-HEIGHT: 100%" align="center"> </p> <font color="#000000"><font size="1"><font face="Arial"> <p style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align="center"><font face="Times new roman"><span style="FONT-SIZE: 7.5pt; COLOR: black"><br /> Our representatives are insurance and securitites licensed in our resident state of NJ as well as the following states CT,FL,MA,NY,PA. <br /> For additional licensing information please contact Robert J Tuzzo at 732-225-7404</span><span style="FONT-SIZE: 7.5pt; COLOR: #0000a0">.</span><font size="3"><o:p></o:p></font></font></p> <p style="MARGIN: 0px; LINE-HEIGHT: 100%" align="center"> </p> <p style="MARGIN: 0px; LINE-HEIGHT: 100%" align="center"><font color="#000000"><strong><font face="Arial" size="1">Total Financial Concepts, Inc. is independent of HTK</font></strong></font> </p> <p style="MARGIN: 0px; LINE-HEIGHT: 100%" align="center"><strong><font face="Arial" color="#000080" size="1"><font color="#000000">© 2005 </font><a href="http://www.totalfinancialconcepts.com/" onclick=javascript:open_window('PMLdisclaimer.html') target=_blank><font color="#0000a0">Total Financial Concepts, Inc.</font></a><font color="#000000"> All rights reserved</font>.</font></strong></p> </font></font></font> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA2_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA2_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA2_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=139" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Loan Payoff</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much will it cost to pay off a loan over its lifetime?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=140" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Home Affordability</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate of the maximum amount of financing you can expect to get when you begin house hunting.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=141" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mortgage Refinancing</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Determine whether you should consider refinancing your mortgage.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=142" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mortgage Acceleration</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine how soon you can pay off your mortgage.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/A/TA2_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1318" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Coming Retirement Boom</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In 2008, a new era will dawn that economists and policymakers have been anticipating for years with a mixture of curiosity and trepidation: baby boomers will begin turning 62, ushering in an unprecedented long-term shift in the balance between working and retired Americans.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1355" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Six Times More Likely</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> It may be uncomfortable to consider the possibility that you could become disabled; however, preparing for the possibility now could help you avoid some more serious discomfort later.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1268" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Hand-Me-Down Dollars</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Inheriting an IRA can be a great source of additional income, but the penalties for mismanaging one are severe.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1309" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">An ILIT Might Fit</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If you are concerned about estate taxes, an ILIT might be the way to go.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA2_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA2_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <table align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td><a href="markets.cfm" target="mondo"><img src="/graphics/A/TA2markets.gif" alt="Markets" border="0" width="100" height="44"></a></td> <td><a href="charts.cfm" target="mondo"><img src="/graphics/A/TA2charts.gif" alt="Charts" border="0" width="100" height="44"></a></td></tr> <tr><td><a href="quotes.cfm" target="mondo"><img src="/graphics/A/TA2quotes.gif" alt="Quotes" border="0" width="100" height="44"></a></td> <td><a href="portfolio.cfm" target="mondo"><img src="/graphics/A/TA2portfolio.gif" alt="Portfolio" border="0" width="100" height="44"></a></td></tr> </table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA2_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA2_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA2_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA2_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr></table></div></body></html>