KSFCU Investments & Insurance Services

<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><b><span style="font-size: x-small"><img height="161" alt="" width="200" src="/files/6576/CD%2DRates5%2Dweb1%2Egif" /></span></b></p> <p><span style="font-size: medium"><b><span>Let us find you one that makes you happy!</span></b></span><span style="font-size: x-small"><b> </b></span></p> <p><span style="font-size: x-small">During fluctuating financial times, your ability to locate and invest in attractive CD rates will help your savings continue to earn competitive rates. Kern Schools Investment and Insurance Services, in partnership with CUSO Financial Services (CFS), is pleased to offer a new brokered CD service. It allows you to shop and choose from a variety of FDIC insured CDs offered by financially strong* institutions to find competitive market rates. Best of all, the entire fee free transaction is handled by your trusted Investment Advisor at Kern Schools Investment and Insurance Services.</span></p> <p><span style="font-size: x-small"><b>Program Benefits:</b></p> <p> <li><span style="font-size: x-small"><b>More Choices</b> – You’ll find a great selection of competitive rates and maturities. </span></li> <li><span style="font-size: x-small"><b>FDIC Insurance</b> – Bank CDs are insured up to $250,000 at each financial institution. By holding CDs at different banks, your ability to maintain fully insured deposits increases. </span></li> <li><span style="font-size: x-small"><b>Convenient</b> – By contacting an Investment Advisor, you’ll have access to many different CDs with attractive rates and maturity options. </span></li> <li><span style="font-size: x-small"><b>Streamlined Reporting</b> – Your brokered CDs will become part of your Kern Schools Investment and Insurance Services online reporting system. You’ll be able to view the CD on the same page as your investments. Also, Kern Schools Investment and Insurance Services will issue one 1099 for all your CDs, no matter how many institutions you invest with.</span> <br /> <br /> <b>"<span style="color: #339966"><span><a href="section1.cfm"><span style="color: #339966">CLICK HERE</span></a></span></span>"</b> for Brokered CD Coupon Rates. <br /> <br /> <hr /> <b>SAVING FOR COLLEGE</b> <p>"<a target="_blank" href="http://www.ksfcuinvestments.org/index.cfm?Type=R&source=Content.cfm?ID=238">CLICK HERE</a>" for 529 Plan information.</p> <hr /> <span style="font-size: xx-small"><strong>Advisors & Registered Representatives<br /> </strong><br /> Our Financial Advisors registered through CUSO Financial Services, L.P. specialize in helping people maintain a healthy financial balance and discover smart money strategies. Call (661)-833-7730, or click on the Registered Representatives link located on the left side bar, to set up an appointment to review your investment objectives, and to discuss any questions you might have.</span> </li> </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/TA1_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/TA1_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA1_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=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=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/TA1_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1565" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Income Now or Later</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Immediate and deferred fixed annuities are insurance products that could help retirees safeguard some of their nest eggs and provide a steady income stream throughout retirement. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1429" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Your Best Interest</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Successfully managing credit is crucial, but there are some arcane credit-card rules that may affect your balance, your interest rate, and even your credit score. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1665" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Stalking the Mighty Consumer </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Economists, traders, investors, and policymakers all take great interest in the financial health of consumers and what they may do next. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1494" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Protection for a Rainy Day</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> For a reasonable price, umbrella liability insurance policies can help close the gap between your auto and homeowners insurance policies and a potentially devastating liability claim.</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"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/graphics/statistics-b','movie','/graphics/statistics-b','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); </script> <noscript> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="/graphics/statistics-b.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/graphics/statistics-b.swf" wmode="transparent" quality="high" width="215" height="130" /> </object> </noscript> </div> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA1_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA1_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>July 05, 2009 @ 12:27 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> 8,280.74</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 223.32</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=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,796.52</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 49.20</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 896.42</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 26.91</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="#B00000"> <strong> 3.50</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <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/TA1_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA1_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA1_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/TA1_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/TA1_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="glossary.cfm" target="mondo"> <img src="/graphics/A/TA1_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/TA1_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr></table></div></body></html>