SlideShare a Scribd company logo
1 of 18
Personal Financial Readiness  Peggy Kramer Accredited Financial Counselor  333-3444
Money: What Good is It?
Overview ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Budget ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How to Develop a Budget ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Credit and Debt Management ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Managing Credit ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Debt ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Have we become  too  comfortable with debt ??
Debt (cont) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Identity Theft ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Saving and Investing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Jill and Bill $869,950 $678,146 $300 per month at 10% return 22 30 60 Jill: $300 per month x 8 yrs at 10% Bill: waits until age 30 $300 per month x 30 yrs at 10%
TSP ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
IRAs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Regular Investments ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Suggestions for Success ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Summary Thoughts ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
I n t e g r i t y  -  S e r v i c e  -  E x c e l l e n c e

More Related Content

What's hot

Retirement Income Planning 20100729
Retirement Income Planning 20100729Retirement Income Planning 20100729
Retirement Income Planning 20100729Robert Davis
 
Financial Balance - The Living Balance Sheet
Financial Balance - The Living Balance SheetFinancial Balance - The Living Balance Sheet
Financial Balance - The Living Balance SheetMichael Hanson
 
Avoiding Mistakes in Planning for Retirement
Avoiding Mistakes in Planning for Retirement Avoiding Mistakes in Planning for Retirement
Avoiding Mistakes in Planning for Retirement Melanie Skaggs
 
Physicians common financial mistakes
Physicians common financial mistakesPhysicians common financial mistakes
Physicians common financial mistakesMichael Zhuang
 
Physicians common financial mistakes
Physicians common financial mistakesPhysicians common financial mistakes
Physicians common financial mistakesMichael Zhuang
 
How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)Robert C. Eldridge
 
A. investing in your future
A. investing in your futureA. investing in your future
A. investing in your futureemulli1
 
Ppt Sd10provsem
Ppt Sd10provsemPpt Sd10provsem
Ppt Sd10provsemrayadvisor
 
How to Build Wealth for Financial Independence by Martize Smith
How to Build Wealth for Financial Independence by Martize SmithHow to Build Wealth for Financial Independence by Martize Smith
How to Build Wealth for Financial Independence by Martize SmithFinancial Scope
 
Building Financial Security
Building Financial SecurityBuilding Financial Security
Building Financial SecurityFefkin
 

What's hot (16)

Retirement Income Planning 20100729
Retirement Income Planning 20100729Retirement Income Planning 20100729
Retirement Income Planning 20100729
 
Interest
InterestInterest
Interest
 
Rule 1 a
Rule 1 aRule 1 a
Rule 1 a
 
Financial Balance - The Living Balance Sheet
Financial Balance - The Living Balance SheetFinancial Balance - The Living Balance Sheet
Financial Balance - The Living Balance Sheet
 
Avoiding Mistakes in Planning for Retirement
Avoiding Mistakes in Planning for Retirement Avoiding Mistakes in Planning for Retirement
Avoiding Mistakes in Planning for Retirement
 
Roadmap to Retirement
Roadmap to RetirementRoadmap to Retirement
Roadmap to Retirement
 
Physicians common financial mistakes
Physicians common financial mistakesPhysicians common financial mistakes
Physicians common financial mistakes
 
Ara_Liquid Mutual Fund
Ara_Liquid Mutual FundAra_Liquid Mutual Fund
Ara_Liquid Mutual Fund
 
Physicians common financial mistakes
Physicians common financial mistakesPhysicians common financial mistakes
Physicians common financial mistakes
 
unit3 IP SI3
unit3 IP SI3unit3 IP SI3
unit3 IP SI3
 
How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)How to Prosper and Thrive in Retirement (1)
How to Prosper and Thrive in Retirement (1)
 
A. investing in your future
A. investing in your futureA. investing in your future
A. investing in your future
 
Ppt Sd10provsem
Ppt Sd10provsemPpt Sd10provsem
Ppt Sd10provsem
 
How to Build Wealth for Financial Independence by Martize Smith
How to Build Wealth for Financial Independence by Martize SmithHow to Build Wealth for Financial Independence by Martize Smith
How to Build Wealth for Financial Independence by Martize Smith
 
Building Financial Security
Building Financial SecurityBuilding Financial Security
Building Financial Security
 
Wealth Destruction
Wealth DestructionWealth Destruction
Wealth Destruction
 

Viewers also liked

Money management for pl (jan 2012)
Money management for pl (jan 2012)Money management for pl (jan 2012)
Money management for pl (jan 2012)Usafa Prep
 
Industrialization in pakistan
Industrialization in pakistanIndustrialization in pakistan
Industrialization in pakistanHassan Obaid
 
Relationship Management and CRM
Relationship Management and CRMRelationship Management and CRM
Relationship Management and CRMHassan Obaid
 
Programs I have influenced
Programs I have influencedPrograms I have influenced
Programs I have influencedFausto Bobadilla
 
Edld5352 melindacastillostar chart
Edld5352 melindacastillostar chartEdld5352 melindacastillostar chart
Edld5352 melindacastillostar chartmelcastle
 
Mysteries of the world
Mysteries of the worldMysteries of the world
Mysteries of the worldHassan Obaid
 
Considerati cv ok slideshare 120202
Considerati cv ok slideshare 120202Considerati cv ok slideshare 120202
Considerati cv ok slideshare 120202Considerati1
 
Univision 2012 eng
Univision 2012 engUnivision 2012 eng
Univision 2012 engitalkowski
 
2013 14sociocultural&lifestyletrend1 optimize
2013 14sociocultural&lifestyletrend1 optimize2013 14sociocultural&lifestyletrend1 optimize
2013 14sociocultural&lifestyletrend1 optimizehyevoice
 
Resumen de la presentacion. Proyecto Comenius
Resumen de la presentacion. Proyecto ComeniusResumen de la presentacion. Proyecto Comenius
Resumen de la presentacion. Proyecto ComeniusHermanosPinzon
 
1r CICLE d'ESO Presentació
1r CICLE d'ESO Presentació 1r CICLE d'ESO Presentació
1r CICLE d'ESO Presentació Llanos Part
 
βασικές έννοιες πληροφορικής
βασικές έννοιες πληροφορικήςβασικές έννοιες πληροφορικής
βασικές έννοιες πληροφορικήςrakone
 
Αναζήτηση Πληροφοριών και Εικόνων στο Internet
Αναζήτηση Πληροφοριών και Εικόνων στο InternetΑναζήτηση Πληροφοριών και Εικόνων στο Internet
Αναζήτηση Πληροφοριών και Εικόνων στο Internetrakone
 
Social Media Marketing by KUMAR SUBRAT
Social Media Marketing by KUMAR SUBRATSocial Media Marketing by KUMAR SUBRAT
Social Media Marketing by KUMAR SUBRATKumar Subrat
 
Hunting - Christian Environmental Ethics
Hunting - Christian Environmental EthicsHunting - Christian Environmental Ethics
Hunting - Christian Environmental EthicsRAM13579
 

Viewers also liked (20)

Money management for pl (jan 2012)
Money management for pl (jan 2012)Money management for pl (jan 2012)
Money management for pl (jan 2012)
 
Industrialization in pakistan
Industrialization in pakistanIndustrialization in pakistan
Industrialization in pakistan
 
Innovations
InnovationsInnovations
Innovations
 
Relationship Management and CRM
Relationship Management and CRMRelationship Management and CRM
Relationship Management and CRM
 
Programs I have influenced
Programs I have influencedPrograms I have influenced
Programs I have influenced
 
Edld5352 melindacastillostar chart
Edld5352 melindacastillostar chartEdld5352 melindacastillostar chart
Edld5352 melindacastillostar chart
 
Mysteries of the world
Mysteries of the worldMysteries of the world
Mysteries of the world
 
Considerati cv ok slideshare 120202
Considerati cv ok slideshare 120202Considerati cv ok slideshare 120202
Considerati cv ok slideshare 120202
 
Testing
TestingTesting
Testing
 
App midem
App midemApp midem
App midem
 
Univision 2012 eng
Univision 2012 engUnivision 2012 eng
Univision 2012 eng
 
2013 14sociocultural&lifestyletrend1 optimize
2013 14sociocultural&lifestyletrend1 optimize2013 14sociocultural&lifestyletrend1 optimize
2013 14sociocultural&lifestyletrend1 optimize
 
Resumen de la presentacion. Proyecto Comenius
Resumen de la presentacion. Proyecto ComeniusResumen de la presentacion. Proyecto Comenius
Resumen de la presentacion. Proyecto Comenius
 
1r CICLE d'ESO Presentació
1r CICLE d'ESO Presentació 1r CICLE d'ESO Presentació
1r CICLE d'ESO Presentació
 
βασικές έννοιες πληροφορικής
βασικές έννοιες πληροφορικήςβασικές έννοιες πληροφορικής
βασικές έννοιες πληροφορικής
 
Αναζήτηση Πληροφοριών και Εικόνων στο Internet
Αναζήτηση Πληροφοριών και Εικόνων στο InternetΑναζήτηση Πληροφοριών και Εικόνων στο Internet
Αναζήτηση Πληροφοριών και Εικόνων στο Internet
 
Social Media Marketing by KUMAR SUBRAT
Social Media Marketing by KUMAR SUBRATSocial Media Marketing by KUMAR SUBRAT
Social Media Marketing by KUMAR SUBRAT
 
Hunting - Christian Environmental Ethics
Hunting - Christian Environmental EthicsHunting - Christian Environmental Ethics
Hunting - Christian Environmental Ethics
 
Les phares
Les pharesLes phares
Les phares
 
Opération Madrassati
Opération Madrassati Opération Madrassati
Opération Madrassati
 

Similar to Money Management for PL (Jan 2012)

Personal Finance
Personal FinancePersonal Finance
Personal Financemscuttle
 
Young investors & financial planning
Young investors  &  financial planningYoung investors  &  financial planning
Young investors & financial planningBibek Prajapati
 
Rbs Scholar Development Financial Literacy (April 08)
Rbs Scholar Development   Financial Literacy (April 08)Rbs Scholar Development   Financial Literacy (April 08)
Rbs Scholar Development Financial Literacy (April 08)doniellebuie923
 
Budgeting_ Wise Use of Credit_Understanding Your Credit Report and Score
Budgeting_ Wise Use of Credit_Understanding Your Credit Report and ScoreBudgeting_ Wise Use of Credit_Understanding Your Credit Report and Score
Budgeting_ Wise Use of Credit_Understanding Your Credit Report and ScoreSpringboard
 
CDU_SSA_II_Presentation.pptx
CDU_SSA_II_Presentation.pptxCDU_SSA_II_Presentation.pptx
CDU_SSA_II_Presentation.pptxjnfsh22
 
Rich is a state of mind slide show
Rich is a state of mind slide showRich is a state of mind slide show
Rich is a state of mind slide showDaisy Marry
 
Financial Literacy ppt how become successful
Financial Literacy ppt how become successfulFinancial Literacy ppt how become successful
Financial Literacy ppt how become successfulattyarganacourtofapp
 
Financial Literacy.ppt
Financial Literacy.pptFinancial Literacy.ppt
Financial Literacy.pptJoenaCotanda2
 
Improving Your Credit
Improving Your CreditImproving Your Credit
Improving Your Credittgwade
 
Savings tools power_point_presentation_1.14.2.g1
Savings tools power_point_presentation_1.14.2.g1Savings tools power_point_presentation_1.14.2.g1
Savings tools power_point_presentation_1.14.2.g1b34farmer
 
Managing Your Family Finances
Managing  Your Family FinancesManaging  Your Family Finances
Managing Your Family FinancesBill Taylor
 
Understanding credit
Understanding creditUnderstanding credit
Understanding creditNick Wolff
 
Financial Literacy SEMN Presentation
Financial Literacy SEMN PresentationFinancial Literacy SEMN Presentation
Financial Literacy SEMN PresentationWilliam Burgan, CRC
 
Investment basics wayne lippman
Investment basics wayne lippmanInvestment basics wayne lippman
Investment basics wayne lippmanWayne Lippman
 
Finacial Freedom 12/13/2011
Finacial  Freedom 12/13/2011Finacial  Freedom 12/13/2011
Finacial Freedom 12/13/2011mullarkea
 
Seven Rules For Financial Success
Seven Rules For Financial SuccessSeven Rules For Financial Success
Seven Rules For Financial SuccessFloyd Saunders
 
10 lessons from the financially fit millennial and gen xer (daniel grote's co...
10 lessons from the financially fit millennial and gen xer (daniel grote's co...10 lessons from the financially fit millennial and gen xer (daniel grote's co...
10 lessons from the financially fit millennial and gen xer (daniel grote's co...Daniel Grote, CFP®, BFA™
 

Similar to Money Management for PL (Jan 2012) (20)

Personal Finance
Personal FinancePersonal Finance
Personal Finance
 
Young investors & financial planning
Young investors  &  financial planningYoung investors  &  financial planning
Young investors & financial planning
 
Rbs Scholar Development Financial Literacy (April 08)
Rbs Scholar Development   Financial Literacy (April 08)Rbs Scholar Development   Financial Literacy (April 08)
Rbs Scholar Development Financial Literacy (April 08)
 
Budgeting_ Wise Use of Credit_Understanding Your Credit Report and Score
Budgeting_ Wise Use of Credit_Understanding Your Credit Report and ScoreBudgeting_ Wise Use of Credit_Understanding Your Credit Report and Score
Budgeting_ Wise Use of Credit_Understanding Your Credit Report and Score
 
CDU_SSA_II_Presentation.pptx
CDU_SSA_II_Presentation.pptxCDU_SSA_II_Presentation.pptx
CDU_SSA_II_Presentation.pptx
 
Rich is a state of mind slide show
Rich is a state of mind slide showRich is a state of mind slide show
Rich is a state of mind slide show
 
Financial Literacy ppt how become successful
Financial Literacy ppt how become successfulFinancial Literacy ppt how become successful
Financial Literacy ppt how become successful
 
Financial Literacy.ppt
Financial Literacy.pptFinancial Literacy.ppt
Financial Literacy.ppt
 
American Debt Counseling Presentation
American Debt Counseling PresentationAmerican Debt Counseling Presentation
American Debt Counseling Presentation
 
Improving Your Credit
Improving Your CreditImproving Your Credit
Improving Your Credit
 
Savings tools power_point_presentation_1.14.2.g1
Savings tools power_point_presentation_1.14.2.g1Savings tools power_point_presentation_1.14.2.g1
Savings tools power_point_presentation_1.14.2.g1
 
Managing Your Family Finances
Managing  Your Family FinancesManaging  Your Family Finances
Managing Your Family Finances
 
Understanding credit
Understanding creditUnderstanding credit
Understanding credit
 
Financial Literacy SEMN Presentation
Financial Literacy SEMN PresentationFinancial Literacy SEMN Presentation
Financial Literacy SEMN Presentation
 
Investment basics wayne lippman
Investment basics wayne lippmanInvestment basics wayne lippman
Investment basics wayne lippman
 
Finacial Freedom 12/13/2011
Finacial  Freedom 12/13/2011Finacial  Freedom 12/13/2011
Finacial Freedom 12/13/2011
 
Give yourself credit 6.10
Give yourself credit 6.10Give yourself credit 6.10
Give yourself credit 6.10
 
Seven Rules For Financial Success
Seven Rules For Financial SuccessSeven Rules For Financial Success
Seven Rules For Financial Success
 
10 lessons from the financially fit millennial and gen xer (daniel grote's co...
10 lessons from the financially fit millennial and gen xer (daniel grote's co...10 lessons from the financially fit millennial and gen xer (daniel grote's co...
10 lessons from the financially fit millennial and gen xer (daniel grote's co...
 
Personal financial planning
Personal financial planningPersonal financial planning
Personal financial planning
 

Money Management for PL (Jan 2012)

  • 1. Personal Financial Readiness Peggy Kramer Accredited Financial Counselor  333-3444
  • 3.
  • 4.
  • 5.
  • 6.
  • 7.
  • 8.
  • 9.
  • 10.
  • 11.
  • 12. Jill and Bill $869,950 $678,146 $300 per month at 10% return 22 30 60 Jill: $300 per month x 8 yrs at 10% Bill: waits until age 30 $300 per month x 30 yrs at 10%
  • 13.
  • 14.
  • 15.
  • 16.
  • 17.
  • 18. I n t e g r i t y - S e r v i c e - E x c e l l e n c e

Editor's Notes

  1. Title Slide Use title case. Font: Arial, 44 for topic Font Color: Custom; Color Model-RGB, Red-12, Green-45, Blue-131 Date of event (spell out date), Font: Arial, 36 Briefer’s name and organization, Font: Arial, 24 Font Color: Black Example: SSgt Cunningham HQ USAFA/CCX
  2. Font Color: Custom; Color Model-RGB, Red-12, Green-45, Blue-131 Line spacing should be set to 1, 0.2, 0 Start bullets in same place on every slide. Bullets: Custom; Color Model-RGB, Red-12, Green-45, Blue-131 Page numbers: Click on Master Slide (Click View, Master, Slide Master) and insert the total number of slides. Slides will update by themselves. If you add or delete a slide, once again, just go into the Master Slide and change the total number of slides and powerpoint will update automatically. Example: 1/5, 2/5, 3/5, 4/5, 5/5 DO NOT NUMBER TITLE SLIDE
  3. Title of slide: Title Case: Font: Arial, 36 Subtitle: Font Arial, 28 Font Color: Custom; Color Model-RGB, Red-12, Green-45, Blue-131 Line spacing should be set to 1, 0.2, 0 Use more single bullets and less sub bullets. All font: Arial, 24 (if needed, not less than 20) NOTE: Powerpoint will automatically resize to the size of the box. Make sure it’s all one size. Start bullets in same place on every slide. Bullets: Custom; Color Model-RGB, Red-12, Green-45, Blue-131
  4. Pair of Fraternal Twins – Jill and Bill Age 22 -- $300 per month at 10% return 1. Jill will start now at 22 and stop at age 30 - $28,800 invested - Leaves $43,854 invested growing 2. Bill waits to age 30 but invests for 30 years - $108,000 invested (more than 3 times) At age 60 who will have the most? (Jill) - Bill would need to increase monthly investment to $385 to catch up How much would Jill have at age 60 if she had kept putting away $300 all those years? - $1.5 M  
  5. Attacking USAFA patch will determine end of brief.