Steve Bailey www.hbfinancial.com

<body> </head> <body text="#000000" link="#000000" vlink="#000000" alink="#000000" bgcolor="#FFFFFF" leftmargin="0" topmargin="0"> <table border="0" cellpadding="2" width="100%" cellspacing="0"> <tr> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1390" target="_top"> <img src="/graphics/tsr08061.gifl" border="0" width="120" height="50" alt="What Does the Dollar Do for You?" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>What Does the Dollar Do for You?</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1228" target="_top"> <img src="/graphics/tsr07082.gif" border="0" width="120" height="50" alt="Social Security Quiz" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Social Security Quiz</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1232" target="_top"> <img src="/graphics/tsr07086.gif" border="0" width="120" height="50" alt="Dow Know-How" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Dow Know-How</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1409" target="_top"> <img src="/graphics/tsr07086.gif" border="0" width="120" height="50" alt="It's Not as Bad as You Think " vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>It's Not as Bad as You Think </strong> </font> <br><br> </a> </td> </tr> </table> </td> </tr> </table> <table width="100%" border="0" height="196" cellpadding="0" cellspacing="0" align="center"> <tr> <td align="center" width="50%" valign="top"> <table border="0" align="center" width="301" height="196" background="/graphics/A/T16Calcbox.gif"> <tr> <td align="left" valign="top"> <span style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> <img src="/graphics/spacer.gif" height="41" width="1"> <br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=861" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Required Minimum Distributions</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=132" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Federal Income Tax</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=699" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">LTCI Cost of Waiting</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=137" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Impact of Inflation</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm" target="_top"><font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> More Financial Calculators...</font></a> </span> </td> </tr> </table> </td> <td align="center" valign="middle"> <table border="0" cellpadding="0" cellspacing="0"><tr> <td width="16" height="16"><img src="/graphics/q1.gif" width="16" height="16"></td> <td height="16"background="/graphics/q2.gif"> <img src="/graphics/q2.gif" width="1" height="16"></td> <td width="24" height="16"><img src="/graphics/q3.gif" width="24" height="16"></td> </tr><tr> <td width="16" background="/graphics/q4.gif"> <img src="/graphics/q4.gif" width="16" height="1"></td> <td align="center" valign="middle"><table bgcolor="#DCDCDC" align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <font size="2"><strong>Market Watch</strong></font> - July 06, 2008 @ 03:24 PM<br><br> </font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$INDU" target="mondo"><font color="#000000"><strong>Dow Jones Industrials</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>11,288.54</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 73.03</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$COMPQ" target="mondo"><font color="#000000"><strong>Nasdaq Composite</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,245.38</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 6.08</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$SPX" target="mondo"><font color="#000000"><strong>S&P 500</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,262.90</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 1.38</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$RUT" target="mondo"><font color="#000000"><strong>Russell 2000</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 665.78</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 6.56</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$NYA" target="mondo"><font color="#000000"><strong>NYSE Composite</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 8,481.54</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 16.03</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$TNX" target="mondo"><font color="#000000"><strong>10 Year Treasury Note</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 3.97</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.01</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="lower"> <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="-1"> <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><td width="24" background="/graphics/q5.gif"> <img src="/graphics/q5.gif" width="24" height="1"></td> </tr><tr> <td width="16" height="24"><img src="/graphics/q6.gif" width="16" height="24"></td> <td height="24" background="/graphics/q7.gif"> <img src="/graphics/q7.gif" width="1" height="24"></td> <td width="24" height="24"><img src="/graphics/q8.gif" width="24" height="24"></td> </tr></table> </td> </tr> <tr><td align="center" colspan="3"><font color="#000000" face="Arial, Helvetica, sans-serif" size="-2"><br><p><br /> <span style="color: #339966"><span style="font-size: small"><b><span style="font-family: Times New Roman">If you are already a client and want to check on your portfolio, click on the link to take you to your secure login page.<br /> </span></b></span></span><a href="https://www3.mainaccount.com/next/"><b>Albridge Link</b></a></p> <p><span style="color: #0000ff"><span style="font-size: medium"><span style="font-family: Times New Roman">For Frank Financial Discussion click here to </span></span></span><span style="color: #0000ff"><a href="/files/2405/MZJUL01081%2EMP3"><span style="font-size: medium"><span style="font-family: Times New Roman">Listen to Dollar$ense, Part 1</span></span></a><span style="font-size: medium"><span style="font-family: Times New Roman">, and click here to </span></span></span><span style="color: #0000ff"><span style="font-size: medium"><span style="font-family: Times New Roman"><a href="/files/2405/MZJUL01082%2EMP3">Listen to Dollar$ense, Part 2</a></span></span><span style="font-size: medium"><span style="font-family: Times New Roman"> with H. Stephen "Steve" Bailey. If you re a listener, telephone in your questions and comments to 704.563.4000.</span></span></span></p> <p><br /> <br /> Telephone 704.563.6844 or toll-free at 800.849.4656.<br /> <br /> Securities and advisory services offered through NEXT Financial Group, Inc., a Registered Investment Adviser and Member <a target="_blank" href="http://www.finra.org">FINRA</a>/<a target="_blank" href="http://www.sipc.org">SIPC</a><br /> HB Financial Resources is not an affiliate of NEXT Financial Group, Inc.<br /> </p> <p> </p></font></td></tr></table> <table width="100%" align="center" border="0" cellpadding="4" cellspacing="0"><tr><td align="center"> <div align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><br>[ <a style="text-decoration:none" href="research.cfm" target="_top">Articles</a> | <a style="text-decoration:none" href="calculators.cfm" target="_top">Calculators</a> | <a style="text-decoration:none" href="newsletters.cfm" target="_top">Newsletters</a> | <a style="text-decoration:none" href="quotes.cfm" target="mondo">Quotes</a> | <a href="https://www.emeraldsecure.com/contact_form.cfm?SSLID=2405&SN=219704074" onclick="javascript:infobox('https://www.emeraldsecure.com/contact_form.cfm?SSLID=2405&SN=219704074','680','550'); return false;" target="_blank" style="text-decoration:none">Contact Us</a> ] </font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><strong>Like this site? <a style="text-decoration:none" href="https://www.emeraldsecure.com/tellafriend.cfm?SSLID=2405&SN=219704074" onclick="javascript:infobox('https://www.emeraldsecure.com/tellafriend.cfm?SSLID=2405&SN=219704074','400','335'); return false;" target="_blank">Tell a Friend.</a> </strong></font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <a style="text-decoration:none" href="copyright.html" onclick="javascript:infobox('copyright.html','400','335'); return false;" target="_blank"> Copyright 2008 by Emerald Publications.</a><br> <p align="center"><font face="Arial, Helvetica, sans-serif" size="-1"><a href="privacy.cfm" onclick="javascript:infobox('privacy.cfm','600','400'); return false;" target="_blank">Privacy Policy</a></font></p> </font></td></tr></table></div></body></html>