Housen Financial Group, 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="center" width="1%" valign="middle"> <img src="/files/6789/Housen%20Financial2.Without.Disclaimer~001.jpg" alt="Housen Financial Group, Inc." height="300" width="500" border="0"> </td> </tr><tr><td> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b><div align="center">"Main Street Service with Wall Street Investment Management"<br><br><span style="font-size:12pt;">Housen Financial Group, Inc.</font></b> <br> <br>229 East Main Street <br>Manasquan, NJ 08736 <br>Phone: 732-223-5505 <br>FAX: 732-223-3640 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:HFG@HousenFinancial.com"> HFG@HousenFinancial.com</a> <br> </td> </tr> </table> <br> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p style="text-align: left"><marquee><b><i><font size="4">TOP 100 INDEPENDENT FINANCIAL ADVISERS CHRISTOPHER HOUSEN / HOUSEN FINANCIAL GROUP, INC. BARRON'S AUGUST 2008</font></i></b></marquee><br /> <br /> Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed as a guarantee a certain level of results will be achieved if Housen is engaged, to provide investment advisory services. Rankings published by <i>magazines</i>, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized advisor.</p> </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/TA3_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/TA3_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA3_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</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=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/TA3_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2236" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Help Your Family Help You</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Obviously, most of us prefer to keep our personal finances personal, but opening a discussion about family finances could help prevent headaches and challenges when difficulties strike. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1767" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Making Moves to the Money Market</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Money market funds are mutual funds that invest solely in cash-equivalent assets that are categorized as low-risk, low-return investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2348" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">An Estate is a Terrible Thing to Waste</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A will is certainly the best place to start. However, the goal of any estate strategy should be a smooth transfer of wealth to your heirs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1969" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Does the Estate Tax Have a Future? </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> For the first time since 1915, the federal government has no law in place to tax large estates when they are transferred to heirs. But will Congress allow the estate tax repeal to stand? </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/TA3_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA3_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>September 06, 2010 @ 04:32 PM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>10,447.93</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 127.83</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,233.75</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 33.74</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,104.51</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 14.41</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2.62</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.05</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA3_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA3_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA3_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/TA3_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/TA3_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/TA3_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/TA3_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/TA3_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> </table></div></body></html>