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Ari webinar powerpointweb Ari webinar powerpointweb Presentation Transcript

    • Unemployment
    • Outsourcing
    • Technology
    College Money Dusty Rollins
  • What is the Problem?
    • Economy
    • Boomers working longer
  • Student Loans
    • About to pass $1,000,000,000,000
    • Last 10 years grew 500% , consumer debt grew 100%
    • Student loan debt greater than credit card balances
    View slide
  • Career and Majors
    • Many students don’t pick marketable majors
    • Just getting the college degree isn’t what it used to be
    • Mc Jobs and heavy debt
    • Law students suing their alma mater for lack of jobs
    View slide
  • Rising Tuition
    • Last 10 years – College costs have gone up right at 100%...
    • What else has inflated this much in 10 years?
  • Cost of Attendance
    • Average Public ---
    • Average Private ---
    • Many times you can go to Private for same out of pocket as Public
    • COA $19,830
    • Bright Futures and Pre Paid ---
    • About $7000 to $8000
    • Where does the other $12,000 per year come from?
    • Bright Futures now requires FAFSA
  • The Question is…
    • Where are you going to get the money?
    • If you have the money to pay,
    • Would you like to know how to save more and not get ripped off by the colleges?
  • Colleges and Government
    • They are not on your side…it’s a business
    • Enrollment Management
    • Inflated value of their degree
    • Recruiting out of state students –bigger tuition
  • Financial Aid
    • Merit
    • Need based
    • Debt
    • Job
  • Expected Family Contribution
    • EFC
    • Parents income and assests
    • Students income and assets
    • Amount above EFC --- lots of debt and job
    • Amount below EFC --- where are you going to get the money and the CashFlow ?
  • Why I do what I do…
    • PARENTS Govt burden, Parental care,
    • Retirement, debt & CashFlow, lifestyle
  • True COA…
    • 5 years to graduate
    • Poor job market, low paying jobs
    • Change major or change schools
  • The BIGGEST single expense in paying for College is…..
    • The IRS…..
    • They are your partner in everything you do!
    • When you pay for college, most people pay with AFTER tax dollars ….
    • If you need to come up with $200,000 for college and you are in a 33% tax bracket.
    • You must earn $266,000 just to pay the $200,000
  • The Second BIGGEST expense in paying for College is….
    • VERY few financial experts even know about this concept, let alone how to STOP it!!!
    • Every dollar you spend, you never get back. And you lose the dollar and WHAT the dollar could have earned IF you had it invested
  • Credit Cards
    • Credit card balance $10,000
    • Credit card interest rate 18%
    • Investment Rate of Return
  • Opportunity Costs
    • Amount of interest you pay
    • Year 1 20 40
    • $1972 $39,433 $78,866
    • Potential had you been able to invest the Interest
    • $1972 $90,226 $510,767
  • How will you pay for College?
    • And
    • How will you manage the CashFlow?
  • Cash (flow) is King …
    • In business, often CashFlow is more vital to keeping things running than lump sums of money.
    • Wal Mart has BK’d companies because the companies couldn’t keep up with them, CashFlow wise…
    • If you have strong CashFlow, you can survive just about ANYTHING!!!
  • Four Areas we work on with Parents, Grandparents, and Students
    • Student Planning
    • Income Planning
    • Asset Planning
    • CashFlow Planning
  • Student Planning
    • Match the student to career, career to major, major to college….
    • MCP – values based career planning
    • Applywise – structured process for admissions
    • ACT/SAT prep – the right courses
    • Study skills for college – transition from HS to College
    • Financial Aid is income based
    • Taxes have a huge impact on costs
    • Make sure you have your finances structured in the best way to take advantage of all the Financial Aid possibilities…
    • Our strategies work with YOUR tax advisor or you can get a second opinion from ours.
    • If your assets are in the wrong vehicles, they can count against Financial Aid and cost you big bucks!
    • There are legal ways to structure your assets so that you aren’t punished by Financial Aid
    • Pay off debt in half the time, with little change to your lifestyle
    • Save thousands of dollars in interest charges…and remember, when you save a dollar you didn’t have to pay out, you keep the dollar and EVERYTHING that dollar can earn for you….
    • Simple SOFTWARE --- over $3000 value
  • Who can help you with all this?
    • CPA, Financial Advisor -- why haven’t they already helped you figure this out?
    • Guidance Counselor -- they are good people, just over worked and NOT trained in finances
    • Colleges – Enrollment management, award letters appeal
    • Government – Federal loans are driving up the costs of college (bubble just like RE market)
  • Irresistible Offer only for Ari’s friends and clients…
    • One to one coaching process….
    • Fill out a quick survey….then
    • Talk for 1 full hour , with me not an assistant.
    • You get a plan, next steps, and areas to focus
    • CF software ($3000 value!)
  • What You Get…
    • You will get a plan worth much more than the cost…
    • You can’t learn what I know for less than I charge….
    • After we talk, you will see the value and you will know if it is right to go own the next step with me.
  • Start now…
    • DIY --- the more you know, the less you pay
    • 2 paths --- kids 14 and under
    • kids 15 and over
    • The younger your kids, the better it is….
    • It is never too early to come see me and it is NEVER, NEVER too late…
  • Your Money Back!
    • I can show you how to set up a TRUE college savings plan that allows you to pay for college.
    • And then over time, get ALL YOUR MONEY BACK !!!
    • It is not Free, but you get your money back !