Fowler Insurance & Employee Benefits, Inc

<body bgcolor="#ffffff"> <table border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <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/6/TB6_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td></tr> <tr> <td width="14" background="/graphics/6/TB6_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"><b>January 29, 2012 @ 02:44 AM</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=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>12,660.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 74.17</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 2,816.55</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 11.27</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="#B00000"> <strong> 1,316.33</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 2.10</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?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/6/TB6_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/6/TB6_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/6/TB6_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/6/TB6_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/6/TB6_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/6/TB6_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/6/TB6_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/6/TB6_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"><tr><td align="left" valign="middle" colspan="3"><font SIZE="2" FACE="Arial, Helvetica, sans-serif"><br>3066 Fountainside Drive, Suite 101<br>Germantown, TN 38138<br>Phone: 901-756-8227<br>FAX: 901-756-8240<br><table border="0" cellpadding="0" cellspacing="0"><tr><td valign="top"><font SIZE="2" FACE="Arial, Helvetica, sans-serif">Email: </font></td><td valign="top"> <font SIZE="2" FACE="Arial, Helvetica, sans-serif"><a href="mailto:george.fowler@ingfp.com">george.fowler@ingfp.com</a><br></font></td></tr></table> </font></td> </td></tr> <tr> <td colspan="3" valign="top" width="384"><font face="Arial, Helvetica, sans-serif" size="1"> <p><font size="4">Fowler Insurance and Employee Benefits, Inc. has over 30 years of employee benefit communication experience.<br /> <br /> We have the ability to match the employer's needs with high quality products and services that are available in the market place today.<br /> <br /> Benefits should be an investment in your company's future; not a drain on company profits.</font></p> <p><font size="4">Click here for online annuity search and term quote:<br /> <a href="http://www.aiponline.net/aiponline/AIPR_frame.aspx?page=ansearch" onClick="window.open(this.href,'popup','resizable=yes,location=no,menubar=no,scrollbars=yes,status=yes,toolbar=no,fullscreen=no,dependent=no,width=800,height=600,status'); return false">Annuity Search</a></font><br /> <font size="4"><a onClick="window.open(this.href,'popup','resizable=yes,location=no,menubar=no,scrollbars=yes,status=yes,toolbar=no,fullscreen=no,dependent=no,width=800,height=600,status'); return false" href="http://www.aiponline.net/aiponline/AIPR_frame.aspx?page=termquote">Term Quote</a><a href="http://www.aiponline.net/aiponline/AIPR_frame.aspx?page=ansearch" onClick="window.open(this.href,'popup','resizable=yes,location=no,menubar=no,scrollbars=yes,status=yes,toolbar=no,fullscreen=no,dependent=no,width=800,height=600,status'); return false"><br /> </a></font></p> </font></td> </tr> </table><br> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr> <td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/6/TB6_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/6/TB6_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/6/TB6_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=706" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Lease Payment</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much would your monthly lease payment be?</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=133" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tax-Deferred Savings</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Compare the potential future value of tax-deferred investments to that of taxable investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=701" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Credit Card Debt</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How Long Will It Take to Pay my Balance?</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/6/TB6_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2931" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Evaluating Life Insurance Needs</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3216" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Be Ready for a Change in Interest Rates</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2658" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Why You Want to Know How Much Your Business is Worth</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> An up-to-date valuation may seem like an unnecessary expense for a small business, but it could prove to be invaluable to achieving long-term goals. Knowing the current value of a business can affect how an owner might approach everything from retirement to estate conservation to a succession strategy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3109" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">To Roll or Not to Roll: It's Your Choice </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA. </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> </tr> <tr><td colspan="3"><br> <p align="center">Securities and investment advisory services offered through ING Financial Partners, Inc., member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>. </p> <p align="center">Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.</p> <p align="center">The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:</p> <p align="center">We are licensed to sell Insurance Products in AR,MS,TN.</p> <p align="center">We are registered to sell Securities in AR,MS,TN.</p> <p align="center"> [ <a href="/files/INGFP_Online_Privacy_Policy.pdf" target="_blank">Online Privacy Policy</a> | <a href="/files/INGFP_Important_Disclosures.pdf" target="_blank">Important Disclosures</a> | <a href="/files/Online_PP_IFP_Alone_10_2009.pdf" target="_blank">Privacy Promise</a> | <a href="https://www.orderroutingdisclosure.com/orderrouting/jsp/main/NYSE.jsp?CorrName=ING%20FINANCIAL%20PARTNERS%20INC" target="_blank">Order Routing Disclosure</a> ]</p> <br /><br /> </td></tr></table></div></body></html>