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<p align=center style='text-align:center'><span style='font-size:13.5pt'>There
is a link in the newsletter for a FREE webinar for Financial Social Work
Education/Training</span><o:p></o:p></p>
<p align=center style='text-align:center'><strong><span style='font-family:
"Arial","sans-serif";color:#009999'>SPRING 2009</span></strong><o:p></o:p></p>
<p class=MsoNormal> <o:p></o:p></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#009999'><img
width=69 height=63 id="_x0000_i1025"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/e4372ab78bac53f2df65d8b6c8291d13.jpg"><img
width=76 height=63 id="_x0000_i1026"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/57735b0afbacdc4a93998b553458a9f2.jpg"><img
width=79 height=63 id="_x0000_i1027"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/0536dbab9fcc425e3986173572a46a88.jpg"><img
width=80 height=64 id="_x0000_i1028"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/87363345659d7cee74f4dd83deaf6061.jpg"><img
width=52 height=64 id="_x0000_i1029"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/5286155737ad95d655041f1be03a34bc.jpg"><img
width=56 height=64 id="_x0000_i1030"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/82c8f290696a9fe15b133ce6405a50d0.jpg"><img
width=68 height=64 id="_x0000_i1031"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/c94830b9e6392a901c33cc71f18a6b2b.jpg"><img
width=54 height=64 id="_x0000_i1032"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/a4460aecb086313e10d92a658aa9fa89.jpg"><img
width=48 height=64 id="_x0000_i1033"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/6ddb373d5ead5c4fe1a8d7531ed34ee8.jpg"><img
width=83 height=64 id="_x0000_i1034"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/4cbc8c18d92681661df8cb7d866fc59d.jpg"></span></b><o:p></o:p></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#336666'><img
width=543 height=115 id="_x0000_i1035"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/837939a8ce93d24b3630397c6ad8edfe.png"></span></b><o:p></o:p></p>
<p class=MsoNormal align=center style='text-align:center'><em><b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>We are all in this
together - by ourselves</span></b></em><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'> ~ Lily Tomlin</span><o:p></o:p></p>
<p class=MsoNormal align=center style='text-align:center'> <o:p></o:p></p>
<p class=MsoNormal align=center style='text-align:center'><b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'><img
width=118 height=75 id="_x0000_i1036"
src="http://app.icontact.com/icp/loadimage.php/mogile/155730/b1d40ab9376ae424732c283de647a688/image/jpeg"></span></b><o:p></o:p></p>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<p class=MsoNormal align=center style='text-align:center'> <o:p></o:p></p>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<p class=MsoNormal align=center style='text-align:center'><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'>Creating
long-term financial behavioral change:</span></strong><o:p></o:p></p>
<p class=MsoNormal align=center style='text-align:center'><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'>One
person, one dollar, one day and one dream at a time...</span></strong><o:p></o:p></p>
<p class=MsoNormal align=center style='text-align:center'> <o:p></o:p></p>
<p class=MsoNormal><strong><span style='color:#006699'>We live in a culture in
which what is good for the economy is anything but good for the consumer, so it
is critical that each of us takes responsibility and accountability for our own
financial future.</span></strong><o:p></o:p></p>
<p class=MsoNormal align=center style='text-align:center'> <o:p></o:p></p>
<p class=MsoNormal><strong><u><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660000'>In This Issue:</span></u></strong><o:p></o:p></p>
<p class=MsoNormal><em><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>·</span></b></em><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'> <span
style='color:#660000'>Reeta's "Money Talk" column</span></span></strong><o:p></o:p></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660000'>· News from the Center for Financial Social Work</span></strong><o:p></o:p></p>
<p class=MsoNormal><em><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660000'>·</span></b></em><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif";color:#660000'> Focusing on Your
Financial Health</span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660000'> <em><span style='font-family:"Arial","sans-serif"'>by
Elaine Boltz, CEAP</span></em></span><o:p></o:p></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660000'>· Making Tax Season Into a Valuable Learning
Opportunity</span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660000'> <em><span style='font-family:"Arial","sans-serif"'>by Elizabeth
Lipscomb, CFSW</span></em></span><o:p></o:p></p>
<p class=MsoNormal> <o:p></o:p></p>
<p class=MsoNormal> <o:p></o:p></p>
<p class=MsoNormal><em><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Financial
Social Work</span></b></em><em><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>
provides timely information and inspiration which educates, motivates and
supports men and women with financial problems and stress in taking control of
their money and gaining control of their lives.</span></em><o:p></o:p></p>
<p class=MsoNormal><strong><span style='font-size:24.0pt;font-family:Wingdings;
color:#336666'>www</span></strong><o:p></o:p></p>
<div class=MsoNormal align=center style='text-align:center'>
<hr size=2 width="100%" noshade style='color:#336666' align=center>
</div>
<p class=MsoNormal><strong><u><span style='font-family:"Arial","sans-serif";
color:#660000'>Money Talk</span></u></strong><o:p></o:p></p>
<p class=MsoNormal align=right style='text-align:right'> <o:p></o:p></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#009999'><img
width=57 height=79 id="_x0000_i1038"
src="http://files.icontact.com/00/15/57/00155730/1122e0728eaa25f408f7837c344567c4.jpg"></span></b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Dear Readers, </span><o:p></o:p></p>
<p class=MsoNormal> <o:p></o:p></p>
<p class=MsoNormal> <o:p></o:p></p>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Everyone
is talking about how and why this country’s economy continues to spiral out of
control; what can be done to halt the decline; what is the best
bailout/stimulus plan; who is going to fix this problem and how soon will
things get better.</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>The
search for answers and solutions seems to begin and to end with government,
economists, banks and other experts. While some of the major players have
changed, these are still predominantly the same folks who created many of these
problems.</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>There
are no sure, simple or easy solutions to the plethora of current complex
financial problems facing this nation and the world. However, one thing
that is certain is that we live in a culture in which what is good for the
economy is anything but good for the consumer, so it is critical that each of
us takes responsibility and accountability for our own financial future.</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Our
success or failure begins with our financial behavior. Understanding and
embracing this fundamental truth is foundational to choosing to begin the
journey to long-term financial behavioral change.</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Hopefully,
recent and future laws and stimulus packages will prove to help Americans find
jobs, remain in their homes and begin the long road back to solvency.
However, regardless of how successful any of these programs are or aren’t
the time has come for each of us to be more proactive with our lives, in order
to be more emotionally and financially stable individually and collectively.
Taking control of your money and gaining control of your life may not be
the easiest thing you have ever done, but I can assure you it won’t be the most
difficult either. The choice is yours to make, but the alternatives are
extremely limiting; so please choose wisely!</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>This
newsletter is rich in content written mostly by Financial Social Workers from
around the country. It is filled with thoughts and idea that all readers
can benefit from and all professionals can use with clients. Enjoy!</span></strong><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><em><b><span style='font-family:"Georgia","serif";
color:#660000'>Reeta</span></b></em><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><em><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>The
Center for </span></em><strong><i><span style='font-size:10.0pt;font-family:
"Arial","sans-serif"'>Financial Social Work</span></i></strong><em><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'> is dedicated to
helping men and women to feel less overwhelmed and hopeless by their daily
interaction with the economy and by the financial situations they may be
currently experiencing, and to being a TRUSTED RESOURCE which provides
knowledgeable guidance and support </span></em><strong><i><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>in all economic times</span></i></strong><em><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>.</span></em><o:p></o:p></p>
</div>
<div>
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</div>
<div>
<p class=MsoNormal><em><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>The
Center provides free and fee based materials that contribute to </span></em><strong><i><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'>LONG
TERM FINANCIAL BEHAVIORAL CHANGE - because until and unless behavior changes -
NOTHING changes!</span></i></strong><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><em><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Reeta
Wolfsohn, CMSW, is the founder of Financial Social Work; she can be reached at </span></b></em><em><b><span
style='font-family:"Arial","sans-serif"'>800.707.1002 </span></b></em><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>or at <a
href="mailto:reeta@financialsocialwork.com">reeta@financialsocialwork.com</a></span>
<strong> </strong><o:p></o:p></p>
</div>
<p class=MsoNormal> <o:p></o:p></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Visit
us at our website: <a
href="http://click.icptrack.com/icp/relay.php?r=8355628&msgid=133009&act=DGJP&c=155730&admin=0&destination=http://www.financialsocialwork.com">www.financialsocialwork.com</a></span><o:p></o:p></strong></p>
<p class=MsoNormal><b> </b><o:p></o:p></p>
<p class=MsoNormal><b><a
href="http://click.icptrack.com/icp/relay.php?r=8355628&msgid=133009&act=DGJP&c=155730&admin=0&destination=http://www.financialsocialwork.com/index.php?option=com_content&task=view&id=65&Itemid=91"><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>CLICK HERE </span></strong></a><strong>to
register to have your own copy of this newsletter delivered directly to your
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<p class=MsoNormal><strong><span style='font-size:24.0pt;font-family:Wingdings;
color:#336666'>www</span></strong><b><o:p></o:p></b></p>
<div class=MsoNormal align=center style='text-align:center'><strong>
<hr size=2 width="100%" noshade style='color:#336666' align=center>
</strong></div>
<p class=MsoNormal><b> </b><o:p></o:p></p>
<p class=MsoNormal><strong><u><span style='font-family:"Arial","sans-serif";
color:#660000'>News from the Center for Financial Social Work</span></u></strong><b><o:p></o:p></b></p>
<ul type=disc>
<li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
mso-list:l2 level1 lfo1'><strong><u><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>FSW Certification </span></u></strong><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'> </span></strong><b><o:p></o:p></b></li>
</ul>
<p><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Currently,
Certified Financial Social Workers, Counselors and Educators/Coaches across the
US and in one other country work with cancer patients, dialysis patients,
HIV-AIDS clients, domestic violence, adolescent pregnancy, the EAP department
of several national and international companies, the US military, veterans,
schools, the elderly, families of autistic children, criminal justice,
Departments of Social Services, the federal government, in private practice,
etc.</span></strong><b><o:p></o:p></b></p>
<p class=MsoNormal><b> <o:p></o:p></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;color:#660066'>Want
the details? Click here: <a
href="mailto:certificationpacket@financialsocialwork.com?subject=Please%20send%20me%20the%20Financial%20Social%20Work%20Certification%20Packet"><span
style='color:#660066'>certificationpacket @financialsocialwork.com</span></a><o:p></o:p></span></strong></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> </span></strong><o:p></o:p></p>
<p class=MsoNormal><strong><u><span style='font-size:18.0pt;font-family:"Arial","sans-serif";
color:#660000'>SPRING Drawing for $100!</span></u></strong><strong><span
style='font-size:18.0pt;font-family:"Arial","sans-serif";color:#660000'>
</span></strong><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'> </span></strong><b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'><img
border=0 width=122 height=88 id="_x0000_i1040"
src="http://app.icontact.com/icp/loadimage.php/mogile/155730/c1ab8176357e43616bdc462df15d3b87/image/jpeg"></span><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'>Anyone who forwards this newsletter to 15 or more people
inviting them to register to receive their own FREE copy will be entered in a
drawing for $100.00.</span></strong><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif";color:#660066'> </span></strong><strong><span
style='font-size:7.5pt;font-family:"Arial","sans-serif";color:#660066'> </span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<ul type=disc>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo2'><em><b><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>The drawing will take place on March 31,
2009. The winner will be notified at the beginning of April and will
be annouced in our next newsletter.</span></b></em><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo2'><em><b><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Technology allows our newsletter staff
to see how many people someone forwards the newsletter to but not who
those people are. You can use the FORWARD button at the bottom of
this page or attach it to your own e-mail.</span></b></em><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l0 level1 lfo2'><em><b><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Additionally, any informaton you ever
provide to the Center for Financial Social Work is confidential and will
never be shared.</span></b></em><b><o:p></o:p></b></li>
</ul>
<div class=MsoNormal align=center style='text-align:center'><strong><span
style='font-size:13.5pt;color:#660066'>
<hr size=2 width="100%" noshade style='color:#660000' align=center>
</span></strong></div>
<p><b><span style='color:#660066'> </span></b><o:p></o:p></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:Wingdings;
color:#336666'>w </span></strong><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif";color:#660066'>In January, 2009, Reeta
wolfsohn, CMSW, taught the first ever graduate level course in Financial Social</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'> Work, at the University of
Maryland School of Social Work.</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:Wingdings;
color:#336666'>w </span></strong><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif";color:#660066'>Reeta will be teaching a 40
hour Certificate Class at the University of Maryland from April - October.</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> </span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> <a
href="http://click.icptrack.com/icp/relay.php?r=8355628&msgid=133009&act=DGJP&c=155730&admin=0&destination=http://www.ssw.umaryland.edu/cpe/Spring_2009_Files/certificate_programs.htm#fin"><span
style='color:#660066'>http://www.ssw.umaryland.edu/cpe/Spring_2009_Files/certificate_programs.htm#fin</span></a>
</span></strong><b><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> </span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> <a
href="http://click.icptrack.com/icp/relay.php?r=8355628&msgid=133009&act=DGJP&c=155730&admin=0&destination=http://financialsocialwork.com/%20%20http:/www.oea.umaryland.edu/communications/news?ViewStatus=FullArticle&articleDetail=5495"
target="_blank"><span style='color:#660066'>UMB Leading in Financial Social
Work Education</span></a></span></strong><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'><o:p></o:p></span></strong></p>
<p class=MsoNormal><b><span style='color:#660066'> </span></b><o:p></o:p></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:Wingdings;
color:#336666'>w</span></strong><strong><span style='font-size:10.0pt;
font-family:Wingdings;color:#336666'> </span></strong><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660066'>Now
available: The Center's client program "TAKING CHARGE: </span></strong><em><b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660066'>of your
money, your life and your future</span></b></em><strong><span style='font-size:
10.0pt;font-family:"Arial","sans-serif";color:#660066'>."</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'> <a
href="mailto:heather@financialsocialwork.com?subject=Please%20send%20a%20FREE"><span
style='color:#660066'>Click here to receive the details and a FREE brochure.</span></a></span></strong><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></strong></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:Wingdings;
color:#336666'>w</span></strong><strong><span style='font-size:10.0pt;
font-family:Wingdings;color:#336666'> </span></strong><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660066'>Reeta
Is keynoting at the NASW-MD state conference in March and bringing Financial
Social Work to the</span></strong><o:p></o:p></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'> University of Missouri in
April.</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:18.0pt;font-family:Wingdings;
color:#660000'>wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:Wingdings;
color:#660000'>w</span></strong><strong><span style='font-size:10.0pt;
font-family:Wingdings;color:#336666'> </span></strong><strong><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>On
Thursday, April 2, 2009, at 2:00 PM Eastern, the Center for Finanical Social</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> Work will host a FREE 45 minute
webinar on "</span></strong><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif";color:#660000'>Financial Social Work: What It</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660000'> Is, What It Does and How It Makes A Difference
In ALL Economic Times</span></strong><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif";color:#660066'>."</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> </span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> This will be an excellent
opportunity to ask questions and to learn more about</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> this exciting, cutting edge
disipline from its founder, Reeta Wolfsohn.</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'> </span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> <a
href="mailto:Heather@financialsocialwork.com?subject=Please%20invite%20me%20to%20the%20FREE%20webinar,%20April%202,%202004,%20on%20Financial%20Social%20Work"><span
style='color:#660066'>If you would like to attend, click here for an invitation</span></a>.</span></strong><b><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:24.0pt;font-family:Wingdings;
color:#336666'>www</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<div class=MsoNormal align=center style='text-align:center'><strong><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>
<hr size=2 width="100%" noshade style='color:#336666' align=center>
</span></strong></div>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'><img border=0 width=100 height=85 id="_x0000_i1043"
src="http://app.icontact.com/icp/loadimage.php/mogile/155730/0457719541b6ce51040d61858ba0ad39/image/jpeg"><strong><span
style='font-family:"Arial","sans-serif"'> </span></strong></span></b><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'>FOCUSING
ON YOUR FINANCIAL HEALTH by Elaine Boltz, CEAP</span></strong><o:p></o:p></p>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>This year, with the state of the economy and the increasing
jobless rate, perhaps its time to focus on your financial health.</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>With many Americans heavily encumbered by credit card debt, now
is the perfect time to find extra cash and put it to work for you. Have
you ever found extra cash in a pocket or at the bottom of a purse? Whether it
is a small amount or something more substantial, it is always a welcomed
surprise. How would you like to find extra cash each month? It’s possible if
you take a close look at your spending habits.</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>For one month, write down what you spend each day. You may be
surprised to find where your money is going. How much was that morning cup of
coffee or fast-food lunch? How much would you save by visiting your local
library rather than purchasing a book you want to read? It’s surprising to see
how much money you spend on day-to-day items.</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>After recording your expenditures for one month, analyze your
purchases. Where can you cut back on your daily expenses? How much could you
save by packing your lunch instead of eating out, brewing coffee at home and
taking it with you in a travel mug, staying away from vending machines, buying
food in bulk, only purchasing items when they are “on sale”? You can also
save on transportation costs by combining errands to cut back on driving,
carpooling with a co-worker or using public transportation or better yet – walk
whenever you can instead of driving.</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>Other living expenses could also be cut. Raising the
deductible on you insurance will lower your premiums; save for purchases
instead of using credit cards; drop your premium TV channels, set the thermostat
lower and wear a sweater; change your light bulbs to energy-saving bulbs,
unplug appliances when they are not in use; purchase gently used items rather
than new ones. Before making any purchases, ask yourself if this is a
“want or a need”; then give yourself some time before actually making that
purchase. Finally, be sure to always pay your bills on time so you don’t
incur any late fees.</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>Now that you’ve found some extra cash, use it wisely. Deposit it
in a savings account or CD to build up an emergency fund. Use it to pay off
credit card debt. Take any extra bonus, raises and gift money and deposit that
in your savings account. It may take some time and effort to change your
spending habits, but awareness and careful planning can contribute to your
financial – and emotional – well-being.</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><em><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>Elaine Boltz is an Account Executive for Employee Assistance
Services at Life Management Associates, in Lancaster, PA. She is a
Certified Employee Assistance Professional, a Certified Social Work Counselor, a
Certified Laughter Leader and is certified in Critical Incident Stress
Debriefing.</span></b></em><b><span style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<p class=MsoNormal><strong><span style='font-size:24.0pt;font-family:Wingdings;
color:#336666'>www</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<div class=MsoNormal align=center style='text-align:center'><strong><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>
<hr size=2 width="100%" noshade style='color:#336666' align=center>
</span></strong></div>
<p class=MsoNormal><b><span style='font-size:7.5pt;font-family:"Arial","sans-serif";
color:#660066'><img border=0 width=83 height=106 id="_x0000_i1045"
src="http://app.icontact.com/icp/loadimage.php/mogile/155730/c83cc183ec7a94788191d3eef26f3f75/image/jpeg"></span></b><strong><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'>MAKING
TAX SEASON INTO A VALUABLE LEARNING OPPORTUNITY </span></strong><em><b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#660000'>by
Elizabeth Lipscomb</span></b></em><o:p></o:p></p>
<p class=MsoNormal align=center style='text-align:center'><b><span
style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'>With tax season upon us, as we collect all those receipts,
expenses and losses we get a very real day to day view of what the past
financial year was like. We are presented with the opportunity to think
about why we spent our money in the way we did; this is the perfect time to
examine last year’s financial behaviors and how they affected our lives.
This evaluation and assessment process allows us to see both the positive
and the negative spending habits we practice.</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'> </span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'>This process also provides us with a chance to observe what
effect the events of the past year had on our finances. For example, I
don’t know of one person who was anxious at any point last year to open their
401k, 403b, IRA or any other investment statement. There will be times
that no matter what our goals start out to be, external factors will impact us.
The impact may change how we handle our money but should not change the
fact that we continue to work toward the fundamental goals of reducing debt and
increasing savings.</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'> </span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'>It is very easy during difficult economic times to avoid dealing
with finances, but this is when we should spend more time planning and
learning, so we can preserve and protect what we have worked so hard for.
We must be careful to face bad news and deal with it so it does not
defeat us, even if that means seeking emotional support to be able to do just
that. </span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'>When reviewing the previous year, ask yourself the following:</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<ul type=disc>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l4 level1 lfo3'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What did I spend my money on?</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l4 level1 lfo3'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>Why did I spend it on these things?</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l4 level1 lfo3'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What motivated me to make those choices?</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l4 level1 lfo3'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What motivated me to make unplanned
purchases?</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l4 level1 lfo3'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What major events did I not plan for
that I could have?</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l4 level1 lfo3'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>If I took money out of savings, what
caused this and should I have had more money in an emergency fund?</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l4 level1 lfo3'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What would I like to spend on or save
for in the coming year?</span></strong><b><o:p></o:p></b></li>
</ul>
<p><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'>Reflecting on last year’s behaviors, expenditures and
experiences will facilitate making better choices and plans this year.
This information will help you to develop financial goals and month by
month plans for attaining them. Your goals will be specific to you and
increase the likelihood of success. When setting financial goals,
consider the following:</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<ul type=disc>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l3 level1 lfo4'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>Am I saving what I should to meet long
term goals such as retirement?</span></strong><b><span style='font-size:
13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l3 level1 lfo4'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>Am I saving for short term goals, and do
I have enough in an emergency fund?</span></strong><b><span
style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l3 level1 lfo4'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What worked last year that I would like
to continue this year?</span></strong><b><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'><o:p></o:p></span></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l3 level1 lfo4'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What did not work last year that I need
to revise and change?</span></strong><b><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'><o:p></o:p></span></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l3 level1 lfo4'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What are major events I need to plan for
this year?</span></strong><b><span style='font-size:13.5pt;font-family:
"Arial","sans-serif"'><o:p></o:p></span></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l3 level1 lfo4'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif"'>What is the market environment that will
effect how I spend and save this year?</span></strong><b><span
style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></b></li>
</ul>
<div>
<p class=MsoNormal><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif";
color:#660066'>Remember, according to the Center for Financial Social Work “</span></strong><em><b><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>spending
keeps you where you are, saving takes you where you want to go.</span></b></em><strong><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>”</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
</div>
<div>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
</div>
<p class=MsoNormal><em><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>Elizabeth Lipscomb is an MSW, LCSW, ACSW and a Certified
Financial Social Worker. Her background includes work in the financial
industry and in the medical social work field. Elizabeth has recently returned
to her lifelong home of Baton Rouge, Louisiana and is a regular and valued
contributor to the Financial Social Work Newsletter</span></b></em><em><b><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>.</span></b></em><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:24.0pt;font-family:Wingdings;
color:#336666'>www</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<div class=MsoNormal align=center style='text-align:center'><strong><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>
<hr size=2 width="100%" noshade style='color:#336666' align=center>
</span></strong></div>
<p class=MsoNormal><b><span style='color:#660066'> </span></b><o:p></o:p></p>
<h4><span style='font-family:"Arial","sans-serif";color:#660066'> <o:p></o:p></span></h4>
<p class=MsoNormal><strong><span style='font-size:24.0pt;color:#660066'> </span></strong><b><span
style='font-size:24.0pt;font-family:Wingdings;color:#660066'><img border=0
width=119 height=61 id="_x0000_i1047"
src="http://app.icontact.com/icp/loadimage.php/mogile/155730/46db21d548aada66c40de723034d165c/image/jpeg"></span><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#660066'>More and more people are struggling with recession and
foreclosure depression, homelessness, suicides, etc., so we've created the
following thoughts and suggestions for helping men and women whose lives have
been impacted by these events.</span></strong><b><span style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<ul type=disc>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Foreclosure isn’t forever; foreclosure
is the result of many circumstances, not just one event. Differentiate
between the circumstances which were and were not within your control.
Forgive yourself for the ones you may have contributed to and which
became key factors in your own foreclosure; and release those which you
played no role in and had no impact upon. </span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Live in the present and prepare for the
future. The past is over and nothing can change it. Now is the
time to begin planning and preparing for the future. </span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Grieve the loss of your home or of your
job. It is real. Don’t allow this loss to prevent you from
moving on with your life. Identify the first three steps to moving
your life forward. If the steps seem too large and overwhelming,
break them into smaller less daunting steps. This is the beginning
of your new life plan.</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:13.5pt;
font-family:"Arial","sans-serif";color:#660000'>Hold on to HOPE – there is
always HOPE!</span></strong><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'> </span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Choose to use this experience to your
advantage by learning you credit and FICO scores and learning how to
improve them at myfico.com. As you learn from your process, write
down what changes you could have made, and remember those as you face the
future.</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Consider this new phase of your life as
a journey into the next phase of your life. </span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Keep a journal to help you to process
and to learn.</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>Know that you are not alone, even though
it may feel like you are. Millions of others are experiencing
similar challenges and sharing the journey into unchartered futures.</span></strong><b><o:p></o:p></b></li>
<li class=MsoNormal style='color:#660066;mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;mso-list:l1 level1 lfo5'><strong><span style='font-size:10.0pt;
font-family:"Arial","sans-serif"'>If you have children listen to what they
say and to what they ask, but also listen for what they fail to say or to
ask. Speak to them honestly but age appropriately. They too
are experiencing the loss. Be aware that changes in behavior may be
their way of expressing emotions that are confusing or overwhelming to
them; do your best to be understanding and patient.
</span></strong><strong><span
style='font-size:10.0pt;color:#3399CC'> </span></strong><b><o:p></o:p></b></li>
</ul>
<p class=MsoNormal style='margin-left:.5in'><strong><span style='font-size:
10.0pt;color:#3399CC'> </span></strong><strong><span style='font-size:
24.0pt;font-family:Wingdings;color:#336666'>www</span></strong><b><span
style='color:#660066'><o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-left:.5in'><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<div class=MsoNormal align=center style='margin-left:.5in;text-align:center'><b><span
style='font-size:13.5pt;font-family:"Arial","sans-serif";color:#660066'>
<hr size=2 width="100%" noshade style='color:#336666' align=center>
</span></b></div>
<p class=MsoNormal style='margin-left:.5in'><strong><span style='font-size:
7.5pt;color:#3399CC'> </span></strong><b><span style='font-size:10.0pt;
font-family:Wingdings;color:#3399CC'><img border=0 width=92 height=67
id="_x0000_i1049"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/70a7c4be3746fadea7782d384eb9859f.jpg"><img
border=0 width=85 height=67 id="_x0000_i1050"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/d8efefa40fb24bec7a19465c3ec2cde4.jpg"><img
border=0 width=56 height=67 id="_x0000_i1051"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/c86b20fc74cecceed03d2691f6cd3adc.jpg"><img
border=0 width=61 height=68 id="_x0000_i1052"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/ca5ec24d49dffdb6666877b10b7f04ff.jpg"><img
border=0 width=64 height=67 id="_x0000_i1053"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/83bf486a4c38421b55e3b32891e9e8f4.jpg"><img
border=0 width=100 height=67 id="_x0000_i1054"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/12dfde437f7009e2e54498f6bcb1fd23.jpg"><img
border=0 width=62 height=66 id="_x0000_i1055"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/5cc1c51cd6fa0c66e914f92b1c0f6470.jpg"><img
border=0 width=84 height=66 id="_x0000_i1056"
src="http://app.icontact.com/icp/loadimage.php/00/15/57/00155730/2561eb90da96a2997baa3e07395d7a1e.jpg"></span><span
style='color:#660066'><o:p></o:p></span></b></p>
<h4 style='margin-left:.5in'><span style='font-family:"Arial","sans-serif";
color:#660066'> <o:p></o:p></span></h4>
<p style='margin-left:.5in'><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p style='margin-left:.5in'><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p><b><span style='color:#660066'> <o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='color:#660066'> <o:p></o:p></span></b></p>
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<p><b><span style='color:#660066'> <o:p></o:p></span></b></p>
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