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=1310" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Oil's Above-Ground Problems</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> It used to be that the main concern about oil was finding enough of it in the ground to meet world demand. Despite dire predictions to the contrary, most experts believe that there is still plenty of oil in the ground. Why then has the price of oil doubled since 2004?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1084" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mutual Fund Comeback</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The renewed interest in mutual funds is a reminder that they have something to offer just about anyone with a financial goal.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1088" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Outlook 2007, Part II</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> So the economy has begun to slow and there's some talk of a recession in the offing. Is it time to batten down and wait for the storm? Not so fast. Consumers, financial markets, and policymakers are behaving as though there are reasons to be optimistic. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1231" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Which Way to Payday?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Even though small-business owners put a lot into their companies, including time and capital, sometimes it’s hard to determine exactly how much to take out.</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>