Money Mastery For Life Commercial

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A commercial version of the money mastery for life product geared towards helping compaines to increase profitablitiy by decreasing insurance and excess medical cost and increasing employee productivity by eliminating financial stress out of employees lifes.

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Money Mastery For Life Commercial

  1. 2. What is the Primary Purpose of Your Business? <ul><li>MAKE A PROFIT </li></ul>
  2. 3. How Do You Increase Your Profits? <ul><li>1. KEEP MORE OF THE MONEY YOU MAKE </li></ul><ul><li>Identify Preventable Risks and Address the Issues Leading to Excess Costs </li></ul><ul><li>2 . MAKE MORE MONEY </li></ul><ul><li>Increase Employee Productivity by Identifying Preventable Risks and Inefficiencies then Address the Issues Leading to and Lost Productivity </li></ul>
  3. 4. Company Profitability $ Revenue $ Profit Wages, Taxes, Workers Compensation, Benefits (401k, Life Insurance, Profit Sharing) Overhead (Phone, rent, equipment utilities, ext.) Health Insurance, Excess Medical Claims Absenteeism, Lost Productivity Employee Turnover EMPLOYEE HEALTH RISK MANAGEMENT
  4. 5. Examples of Health Risks <ul><li>Disease Psychological BIO/ Lifestyle </li></ul><ul><li>Perception Physiological Habits </li></ul>Alcohol Usage Relative Body Weight Stress Other Diseases Medication/ Drug Usage Blood Glucose Job Satisfaction Cancer Physical Activity Nutrition Cholesterol Life Satisfaction Diabetes Smoking Blood Pressure Physical Health Heat Disease
  5. 6. Stress Crisis Time magazine's June 6, 1983 cover story called stress &quot;The Epidemic of the Eighties&quot; and referred to it as our leading health problem; there can be little doubt that the situation has progressively worsened since then. Numerous surveys confirm that adult Americans perceive they are under much more stress than a decade or two ago.  
  6. 7. Negative Effects of Stress Physical Inactivity Diabetes Obesity Depression & Psychosocial Disorders Accelerated Aging & Cellular Degeneration High Blood Pressure Smoking Heart Attack & Stroke Break down of Immune System Cardiovascular disease Cancer Alcohol & Drug abuse Stress
  7. 8. What is the Primary Source of Stress? <ul><li>National Statistics state, Financial Challenges and Debt are the #1 cause of stress for most Americans </li></ul>
  8. 9. When it Comes to Employee Stress Management <ul><li>Basically You Have Two Choices </li></ul><ul><li>1. Acknowledge the problem, become proactive with employee financial stress management and invest in tools that are proven and effective in eliminating financial stress. </li></ul><ul><li>2 . Pretend there is not a problem, remain reactive, do nothing and hope things don’t get worse. </li></ul>
  9. 10. Employees with little or no financial stress <ul><li>Fewer Excess Medical Claims </li></ul><ul><li>Help Keep Lower Insurance Premiums </li></ul><ul><li>Have Less Absenteeism </li></ul><ul><li>Are More Productive on the Job </li></ul><ul><li>Less Likely to Change Jobs (Turn Over) </li></ul>
  10. 11. On the Contrary <ul><li>The American Journal of Health Promotion states that “Employees who are at risk for stress and depression expend 46% to 70% higher medical costs respectively to those are not at risk.” </li></ul><ul><li>The American Institute of Stress Institute states that “75% to 90% of general physicians office visits are stress related.” </li></ul><ul><li>University of London study 2003, states : Chronic stress is 6 times more likely to contribute to heart disease and cancer than high cholesterol and smoking. </li></ul><ul><li>National Statistics state, Financial Challenges and Debt are the #1 cause of stress for most Americans </li></ul>
  11. 12. Stress Effects On Your Employee’s Bodies <ul><li>Headache </li></ul><ul><li>Chest Pain </li></ul><ul><li>Sleep Problems </li></ul><ul><li>Pounding Heart </li></ul><ul><li>Weight Gain or Loss </li></ul><ul><li>High Blood Pressure </li></ul><ul><li>Shortness of Breath </li></ul><ul><li>Skin Break out </li></ul><ul><li>Muscle Aches </li></ul><ul><li>Back Pain </li></ul><ul><li>Clenched Jaws </li></ul><ul><li>Tooth Grinding </li></ul><ul><li>Stomach Upset </li></ul><ul><li>Constipation </li></ul><ul><li>Diarrhea </li></ul><ul><li>Increased Sweating </li></ul><ul><li>Tiredness </li></ul><ul><li>Sex Problems </li></ul><ul><li>Content Provided By MayoClinic.com </li></ul>
  12. 13. Stress Effects On Your Employee’s Thoughts and Feelings <ul><li>Anxiety </li></ul><ul><li>Restlessness </li></ul><ul><li>Worrying </li></ul><ul><li>Irritability </li></ul><ul><li>Depression </li></ul><ul><li>Sadness </li></ul><ul><li>Anger </li></ul><ul><li>Mood Swings </li></ul><ul><li>Job Dissatisfaction </li></ul><ul><li>Feeling Insecure </li></ul><ul><li>Confusion </li></ul><ul><li>Burnout </li></ul><ul><li>Forgetfulness </li></ul><ul><li>Resentment </li></ul><ul><li>Guilt </li></ul><ul><li>Inability to Concentrate </li></ul><ul><li>Seeing Only the Negatives </li></ul><ul><li>Content Provided By MayoClinic.com </li></ul>
  13. 14. Effects of Stress on Your Employee’s Behavior <ul><li>Overeating </li></ul><ul><li>Under eating </li></ul><ul><li>Angry Outbursts </li></ul><ul><li>Drug Abuse </li></ul><ul><li>Excessive Drinking </li></ul><ul><li>Blaming Others </li></ul><ul><li>Increased Smoking </li></ul><ul><li>Social Withdrawal </li></ul><ul><li>Crying Spells </li></ul><ul><li>Relationship Conflicts </li></ul><ul><li>Decreased Productivity </li></ul><ul><li>Content Provided By MayoClinic.com </li></ul>National Statistics state, Financial Challenges and Debt are the #1 cause of stress for most Americans
  14. 15. Is it no wonder stress is linked to so many chronic health problems? Physical Inactivity Diabetes Obesity Depression & Psychosocial Disorders Accelerated Aging & Cellular Degeneration High Blood Pressure Smoking Heart Attack & Stroke Break down of Immune System Cardiovascular disease Cancer Alcohol & Drug abuse Stress
  15. 16. Stress Related Productivity Losses and Costs <ul><li>Health Risk E xcess Productivity Loss Cost P/Month Based on $10.00 p/hr wage </li></ul><ul><li>Use relaxation medicine 8.4% $144.48 </li></ul><ul><li>Life dissatisfaction 4.5% $77.40 </li></ul><ul><li>Job dissatisfaction 3.0% $51.60 </li></ul><ul><li>High stress 4.1% $70.52 </li></ul><ul><li> Total $ 344.00 </li></ul><ul><li>Per Employee per Month </li></ul>Study completed by University of Michigan and published in the Journal of Occupational & Environmental Medicine, 47(8):769-777, Aug. 2005; Study of 28,375 workers
  16. 17. Reactive VS Proactive Stress Management Costs <ul><li> Reactive Proactive </li></ul><ul><li>Health Risk Excess Loss Cost P/Month Cost P/Month 1 % Gain ROI </li></ul><ul><li>Use relaxation medicine 8.4% $144.48 .06 Per Hr $127.28 $17.20 </li></ul><ul><li>Life dissatisfaction 4.5% $77.40 $60.20 $17.20 </li></ul><ul><li>Job dissatisfaction 3.0% $51.60 $34.40 $17.20 </li></ul><ul><li>High stress 4.1% $70.52 $53.32 $17.20 </li></ul><ul><li> Totals $ 344.00 $10.00 $275.20 $68.80 </li></ul><ul><li>1% Increase in Productivity = 170.2% Return on Investment </li></ul><ul><li>Imagine if we got a 5% Increase in productivity by proactively addressing employee stress related problems! </li></ul>
  17. 18. Our product will also save you money as it helps you to… <ul><li>Attract good workers in a competitive market </li></ul><ul><li>Improve productivity (reducing absenteeism and lost work time due to illness and disability) </li></ul><ul><li>Improve on the job performance and time utilization </li></ul><ul><li>Improve employee morale and foster organizational commitment </li></ul><ul><li>Reduce conflict and build goodwill toward management </li></ul><ul><li>Reduce employee turnover </li></ul><ul><li>Reduce health care costs </li></ul>
  18. 19. Make no Mistake <ul><li>The question is not if , but rather how much will you pay for your employee’s stress issues? </li></ul>
  19. 20. Bang for the Buck <ul><li>For the equivalent of 5.8 cents per hour per full time employee you can effectively address the #1 cause of stress. </li></ul><ul><li>At the same time you will synergistically be attacking numerous chronic health problems that are linked to chronic stress which lead to excess medical claims. </li></ul><ul><li>Our tools are proven and effective! When used, they can help your employees to completely eliminate all debt including their mortgages in 7 to 9 years. </li></ul><ul><li>Our product can also be packaged to address other health issues such as exercise, nutrition, and life management </li></ul>
  20. 21. <ul><li>Using Money Mastery for Life’s 10 principles of money management </li></ul><ul><li>We will show you how to: </li></ul><ul><li>Set up spending plan </li></ul><ul><li>Track your spending </li></ul><ul><li>Power down you debt </li></ul><ul><li>Build a meaningful savings account </li></ul><ul><li>Lower your taxes big time </li></ul><ul><li>Build for your retirement years </li></ul><ul><li>Our coaches will help you every step of the way </li></ul>Here’s how it works

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