PPT-SAVING : INVESTING : PLANNING March, 2010

Communication Education and Investment Management for the Tennessee Optional Retirement Program 2 VALIC Points to Consider VALIC Background Participant Services Investment Management Contact Us. and Money . Making the most of your home and landscape.. How much do you think the average American family spends on home utility bills?. In 2009, the average American family spent roughly $1900 on home utility bills.. Fiduciary Form. 1. Fiduciary Forum . March 2010. Knut . Leipold. , ECSPS. Framework Agreements. March 2010. Fiduciary Form. 2. Agenda. Introduction. Knut . Leipold. , ECSPS, 10 min. Policy & Legal Considerations. [date]. [venue]. [contact information]. Introduction. About the PFP Section & PFS Credential. The AICPA PFP Section provides information, resources, advocacy and guidance for CPAs who specialize in providing estate, tax, retirement, risk management and investment planning advice to individuals and their closely held entities. Swarn Chatterjee. Department of Financial Planning, Housing, & Consumer Economics. University of Georgia. Topics for today’s discussion. Financial Capability. Behavioral Economics: The role of psychology in financial decision making. Taking care of your future wealth. What is the difference between saving and investing?. Portion of current income not spent on consumption. Saving. Purchase of assets with the goal. . of increasing future income. The Road to Financial Independence. Personal Finance . Essentials:. 8 Financial Priorities. Discussion Topics. 1. Perspectives: Spiritual matters. 2. Investing Basics: Before you start. 3. Investment Vehicles: The shopping carts. FOR ADVISOR USE ONLY. Agenda. . This material is presented for informational purposes only, and is not a legal, tax or investment opinion. The provision of the information contained herein and any oral or written communication regarding the same should not nor is intended to be construed as such. Interested persons should seek retained independent professional advice before acting or foregoing action in relation to any of the matters mentioned herein.. Answer in your notes.. Saving. Lesson 5. Why is it important to . save. money?. Prepare for the future. Purchase something expensive (car, home). For emergencies. How do you save money?!. Don’t spend it! . Most people save and invest to meet a goal…. Buying a car. Continuing their education. Starting a family. First home. Build up a “rainy day” fund. Provide funds for a “comfortable” retirement. Section 1-Reasons for Saving and Investing. Savings. Money set aside for the future (also known as deferred spending). Emphasis on “safety of principal”—protecting the balance in your account. Types of savings—safe, because these are FDIC Insured. 2 | A ROADMAP TO YOUR JOURNEY TO FINANCIAL SECURITY | 3 Don’t Wait to Get Started YOU CAN DO IT! IT’S EASIER THAN YOU THINK. No one is born knowing how to save or to invest. Every suc - FORFURTHERINFORMATIONCONTACTSUPPLEMENTARYINFORMATIONVerDate Nov1558 Mar 26 2010Jkt 220001PO 00000Frm 00006Fmt 4700Sfmt 4700EFRFM29MRR1SGM29MRR1/Vol 75 No 59/Monday March 29 2010/Rules and Regulations index 299MCGINNIS-Index-Pageproof 299 March 15 2010 837 PM Proclus n Proclus Elements of Theology Proclus see prophecy prophet see philosopherking prov PLANNING FOR THE FUTURE. WHY DO I NEED INSURANCE OR A RETIREMENT ACCOUNT WHEN I’M YOUNG AND . HEALTHY?. BLOCKING . THE COST OF RISK. Health. Auto. Life. Disability. Long-term care. Property. MINDSET FOR STARTING YOUNG.