Baystate Financial Services

<body bgcolor="#ffffff"> <table border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="225" valign="top"> <a href="index.cfm?type=Q&source=quote_forms.cfm" target="_top"><img src="/graphics/Get-Quote-tab3.jpg" height="100" width="225" border="0"></a> <table border="0" cellpadding="0" cellspacing="0" width="225"><tr><td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/T/TB13_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td></tr> <tr> <td width="14" background="/graphics/T/TB13_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"><b>March 09, 2010 @ 04:02 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=$INDU" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>10,564.38</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 11.86</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,340.68</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 8.47</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=$SPX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,140.44</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 1.94</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$RUT" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Russell 2000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 669.63</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 2.52</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=$NYA" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>NYSE Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 7,293.48</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.95</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$XAX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>AMEX Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,902.54</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 14.36</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" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><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> 3.70</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.02</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" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><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/T/TB13_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/T/TB13_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/T/TB13_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/T/TB13_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/T/TB13_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/T/TB13_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/T/TB13_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/T/TB13_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="center" width="1%" valign="middle"> <img src="/files/11963/Vendetti_Donald_F_06_09.jpg" alt="Baystate Financial Services" height="230" width="160" border="0"> </td><td><img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" BORDER="0"></td><td align="left" valign="middle" width="99%"><font face="Arial, Helvetica, sans-serif" size="3"> <b>Donald F. Vendetti, CLTC <br> Financial Planner <br> Financial Services Representative </b></font><br><font SIZE="2" FACE="Arial, Helvetica, sans-serif"><b>Baystate Financial Services</b><br><br>900 Route 134<br>Towne Plaza<br>P.O. Box 709<br>South Dennis, MA 02660<br>Phone: (508) 760-4072<br>FAX: (508) 760-4022<br><table border="0" cellpadding="0" cellspacing="0"><tr><td valign="top"><font SIZE="2" FACE="Arial, Helvetica, sans-serif">Email:<br><a href="mailto:dvendetti@baystatefinancial.com">dvendetti@baystatefinancial.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"> <span style="font-size=9pt;"><p><span style="font-size: 9pt"><font face="Georgia, times new roman, serif">Welcome and thank you for visiting!<br /> <br /> My mission is to help my clients develop financial objectives, and achieve those objectives through various financial products and investment services that are designed to meet their present and future needs.<br /> <br /> My goal is to help you make informed decisions about issues that affect your financial well being and help you achieve your financial goals and protect your income and your assets, allowing you to concentrate on the other priorities in your lives. <br /> <br /> I hope you find this site informative and useful. Feel free to contact me if you would like more information about any particular product or service. <br /> <br /> I look forward to hearing from you.</font></span></p> <p> </p> <p><font face="Arial" size="1">Baystate Financial Services is a general agency of New England Life Insurance Company, Boston, MA<br /> </font></p> <p>Fee-baed financial planning services offered by New England Securities.</p></span> <br> <font face="Arial, Helvetica, sans-serif" size="-2"> We have representatives in this office licensed and registered to offer products and services in [CA, CT, FL, MA, NH, NJ, NY, RI, VT, WA]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information. </font> <br><br><div align="center"><font face="Arial, Helvetica, sans-serif" size="-2">L0609044085[exp0810]</font></div> </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/T/TB13_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/T/TB13_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/T/TB13_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=130" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Savings Goals</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much do you need to save each year to meet your long-term financial goals?</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=137" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Impact of Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.</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/T/TB13_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1595" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Land of Income Mobility</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In America, just about anyone who is dissatisfied with his income has the opportunity to roll up his sleeves and move into a different income bracket.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1620" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Estate of Emergency?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> To help ensure that an estate is distributed according to one's wishes, it’s important to have certain legal documents in place.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1622" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Inflation Goes to College</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1702" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Still Time for Stimulus Benefits</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The American Recovery and Reinvestment Act of 2009 offers some short-term tax benefits designed to encourage consumer activity and boost particular sectors of the economy.</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"><FONT face="Arial, Helvetica, sans-serif" size=1>New England Financial is the registered mark for New England Life Insurance Company, Boston, MA and New England Securities.</FONT></P> <P align="center"><FONT face="Arial, Helvetica, sans-serif" size=1>Securities products offered by New England Securities Corp (NES), Member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>. Investment advisory services offered by Investment Adviser Representatives of NES, a Registered Investment Advisor.</FONT></P> <P align=center><FONT face=Arial size=2>| <A href="http://nef.metlife.com/Applications/Corporate/NEF/CDA/PageGenerator/0,1674,P7126,00.html?FILTERNAME=@URL\&FILTERVALUE=/NEF/" target="_blank"> Privacy Policy</A> | <A href="http://www.nefn.com" target="_blank"> NEF Corporate Site</A> | <a href="http://www.metlife.com/Applications/Corporate/WPS/CDA/PageGenerator/0,1674,P581,00.html" target="_blank"> Legal Notice</A> |</FONT></P> </td></tr></table></div></body></html>