The document discusses strategies for maximizing financial aid for college. It outlines three types of families based on financial need and explains how to determine eligibility for aid. Sources of financial aid from the federal and state governments as well as colleges are described. The importance of accurately completing the FAFSA and CSS/Financial Aid PROFILE forms on time is emphasized to avoid mistakes that could result in lost aid opportunities.
This document provides an overview of bond valuation and interest rate sensitivity. It begins with an introduction to bonds and bond markets, including different types of bonds such as zero-coupon bonds and coupon bonds. It then discusses how to value zero-coupon bonds and coupon bonds using present value calculations. The document also examines how bond prices are inversely related to interest rates and how duration can be used to measure a bond's interest rate sensitivity.
The four Cs of underwriting are:
1. Character - The borrower's credit history
2. Capacity - The borrower's ability to repay based on income
3. Collateral - The value of the property securing the loan
4. Capital - The borrower's available funds, typically a down payment
Homebuyer seminar - Everything you need to know to purchase your homefvcollins
This document provides information about a first time homebuyers seminar. It covers topics like why buy a home, being ready to buy, types of homes, understanding loans and financing options, the home buying process, and closing on a home purchase. The seminar is intended to help first time buyers understand what is involved in purchasing a home and make it an easy and affordable process.
The document discusses time value of money concepts like present value, future value, interest rates, and time horizons. It provides examples of using formulas to solve for unknown variables in situations involving deposits, investments, and cash flows. The key formulas discussed are present value (PV), future value (FV), effective annual rate (EAR), and the Rule of 72 for approximations. Adjustments to the formulas for cases of interest compounded more frequently than annually are also covered.
This document discusses ensuring financial readiness for retirement and managing medical costs. It begins by asking introductory questions about retirement plans like having $50,000 annual retirement income and being debt free. The document then outlines how to achieve financial freedom and income for retirement, medical coverage, and eliminating debt. It provides statistics on typical savings amounts and retirement outcomes. It also presents strategies for saving money, managing taxes, purchasing a home, and Joe Smart's strategy of using a flexible life insurance policy to pay off his home and receive lifetime retirement income.
The time value of money concept holds that money available now is worth more than the same amount in the future due to its potential earning capacity through interest. It impacts business, consumer, and government finance. Compound interest earns interest on interest, providing higher returns over time compared to simple interest which is earned only on the principal. Tables can be used to easily calculate the future or present value of investments, annuities, or perpetuities using the time value of money formulae. Intrayear compounding adjusts calculations for periods less than annually.
Fonderia di torino case study group1_2016Cynthia Hanna
Fonderia di Torino is considering purchasing a new automated molding machine to reduce costs and improve production quality. The initial investment is €1.01 million but after accounting for the sale of old machines, the net cost is €813,296. Using a weighted average cost of capital of 9.86%, the net present value of the investment is positive at €22,916, indicating it would be profitable. While there may be layoff costs for workers on old machines, the company would still profit even after paying one year of salaries. Sensitivity analysis shows the investment remains profitable even if inflation increases to 5% annually. Non-financial benefits also support the new machine purchase.
This document provides an overview of bond valuation and interest rate sensitivity. It begins with an introduction to bonds and bond markets, including different types of bonds such as zero-coupon bonds and coupon bonds. It then discusses how to value zero-coupon bonds and coupon bonds using present value calculations. The document also examines how bond prices are inversely related to interest rates and how duration can be used to measure a bond's interest rate sensitivity.
The four Cs of underwriting are:
1. Character - The borrower's credit history
2. Capacity - The borrower's ability to repay based on income
3. Collateral - The value of the property securing the loan
4. Capital - The borrower's available funds, typically a down payment
Homebuyer seminar - Everything you need to know to purchase your homefvcollins
This document provides information about a first time homebuyers seminar. It covers topics like why buy a home, being ready to buy, types of homes, understanding loans and financing options, the home buying process, and closing on a home purchase. The seminar is intended to help first time buyers understand what is involved in purchasing a home and make it an easy and affordable process.
The document discusses time value of money concepts like present value, future value, interest rates, and time horizons. It provides examples of using formulas to solve for unknown variables in situations involving deposits, investments, and cash flows. The key formulas discussed are present value (PV), future value (FV), effective annual rate (EAR), and the Rule of 72 for approximations. Adjustments to the formulas for cases of interest compounded more frequently than annually are also covered.
This document discusses ensuring financial readiness for retirement and managing medical costs. It begins by asking introductory questions about retirement plans like having $50,000 annual retirement income and being debt free. The document then outlines how to achieve financial freedom and income for retirement, medical coverage, and eliminating debt. It provides statistics on typical savings amounts and retirement outcomes. It also presents strategies for saving money, managing taxes, purchasing a home, and Joe Smart's strategy of using a flexible life insurance policy to pay off his home and receive lifetime retirement income.
The time value of money concept holds that money available now is worth more than the same amount in the future due to its potential earning capacity through interest. It impacts business, consumer, and government finance. Compound interest earns interest on interest, providing higher returns over time compared to simple interest which is earned only on the principal. Tables can be used to easily calculate the future or present value of investments, annuities, or perpetuities using the time value of money formulae. Intrayear compounding adjusts calculations for periods less than annually.
Fonderia di torino case study group1_2016Cynthia Hanna
Fonderia di Torino is considering purchasing a new automated molding machine to reduce costs and improve production quality. The initial investment is €1.01 million but after accounting for the sale of old machines, the net cost is €813,296. Using a weighted average cost of capital of 9.86%, the net present value of the investment is positive at €22,916, indicating it would be profitable. While there may be layoff costs for workers on old machines, the company would still profit even after paying one year of salaries. Sensitivity analysis shows the investment remains profitable even if inflation increases to 5% annually. Non-financial benefits also support the new machine purchase.
The document provides an overview of various FHA loan programs offered through Affinity Lending Group including standard FHA, FHA jumbo, FHA streamline, and FHA secure programs. It outlines eligibility guidelines, underwriting guidelines, and other details of the programs. Affinity Lending Group has been assisting first-time homebuyers and those needing down payment assistance since 2003 through these FHA loan options.
Chapter9 International Finance ManagementPiyush Gaur
This document provides solutions to questions and problems related to managing economic exposure from a chapter on the topic. [1] It defines economic exposure as the possibility that a firm's cash flows and market value may be affected by unexpected exchange rate changes. [2] It explains different types of exposure a firm may face, ways to measure exposure, and strategies to mitigate exposure through hedging or operational changes. [3] The solutions analyze several examples of firms facing exchange rate risk and recommend approaches to reduce their exposure like hedging with forward contracts or diversifying markets.
The mortgage process involves several key steps:
1. Getting pre-approved for a mortgage to determine how much you can borrow and protect the interest rate for up to 120 days.
2. Shopping for a home with your pre-approved mortgage amount.
3. Submitting a mortgage application including documents like pay stubs, bank statements, and information about the property.
4. Having conditions like an appraisal met before finalizing the mortgage.
5. Signing legal documents to transfer title and finalize the mortgage.
The document discusses the components of the cost of capital, including debt, preferred stock, and common equity. It provides methods for calculating the costs of each component, such as using bond yields for the cost of debt. The weighted average cost of capital (WACC) is calculated using the costs of each component weighted by the target capital structure weights. Factors that influence the WACC include market conditions, the firm's capital structure and investment policy. The document also discusses approaches for adjusting the cost of capital for divisions or projects based on their specific risks.
This document provides guidance on teaching children about money management from a young age. It recommends starting simple lessons early and making them more complex as children mature. Everyday opportunities to discuss money include examining attitudes, involving children in financial planning, distinguishing needs from wants, and talking about credit. The document also outlines specific strategies for different age groups, such as using a four-bank system for savings, spending, donating and investing starting at age 5-6, and introducing the concepts of credit reports, scores, and responsible credit card use in the teen years.
Homebuying seminar for realtors to useheatherjs821
This homebuying seminar provides information to help families make the right decision for homeownership. It discusses the benefits of owning over renting, getting pre-approved for a loan, choosing a realtor, making an offer, and completing the closing process. Resources are also included to help with the homebuying process.
This document provides an outline and overview of capital structure and term structure theories. It discusses key concepts related to a firm's capital structure decision, including the net income approach, traditional views, Modigliani-Miller propositions, and theories such as trade-off, agency costs, and pecking order. It also covers term structure theories, including the expectations theory, segmented markets theory, and liquidity premium theory. The document uses examples and diagrams to illustrate how financial leverage, taxes, and bankruptcy costs impact a firm's optimal capital structure and cost of capital.
Bond valuation involves calculating the present value of a bond's future interest payments and principal repayment. There are several types of bonds that differ in issuer and features. Bonds are issued by corporations and governments to raise funds for projects while managing costs and diversifying sources of capital. Investors face various risks when purchasing bonds like interest rate, default, market and call risks. Key metrics for bonds include current yield, yield to maturity, yield to call and realized yield, which are calculated using principles of time value of money. Bond prices generally move inversely to interest rates and bonds with longer maturities are more sensitive to interest rate changes. Price impacts from interest rate changes are also not symmetrical. Lower coupon bonds experience greater price volatility from
These PPT slides are for students who are studying to pass the NationalLoan Originator Licensing Exam with Uniform State Component, and are students of Jillayne Schlicke, CE Forward, Inc.
What is the difference between Whole Life and Indexed Universal Life for Reti...Michael Grigsby
I get asked a lot about how Whole Life insurance differs from Indexed Universal Life insurance, particularly when it comes to retirement planning. In this presentation, I note the similarities between these forms of permanent insurance, the differences, and why you might use one instead of the other.
The document provides an analysis of replacing old machines with a new Vulcan Mold-Maker machine at Fonderia di Torino. It calculates the WACC as 9.86% and compares the costs and cash flows of the old and new machines. The analysis finds that replacing the old machines with the new one would save over €166,000 per year in cash flows and have a positive net present value of over €800,000, even after accounting for inflation and the cost of capital. Therefore, the document recommends that Fonderia di Torino proceeds with purchasing the new machine.
This document provides an overview of bond valuation. It defines a bond as a long-term debt instrument that pays periodic interest to the bondholder. It describes the par or face value of a bond as well as the coupon rate. It discusses the types of risks associated with bonds, such as interest rate risk and default risk. It also covers methods for measuring bond yields, including current yield and yield to maturity. The document uses examples to demonstrate how to calculate bond prices and bond yields.
The document discusses the time value of money concept. It defines time value of money as the idea that money available now is worth more than the same amount in the future due to its potential earning capacity if invested. The document provides examples of how to calculate present value and future value using time value of money formulas under both simple and compound interest. It emphasizes that the time value of money is an important financial management concept used to evaluate investment alternatives and solve problems involving loans, leases, and savings.
The document discusses cost of capital estimates for Midland Energy Resources, a global energy company, and its divisions. It presents the company's operations, the current problem of criticism of the cost of capital estimates, and calculations of weights, betas, costs of equity/debt, and WACC for the company and one division. Issues identified include lack of rationale for analyzing some overseas projects based on equity cost alone. The document provides context, calculations, and issues for a presentation on Midland's cost of capital.
The document provides an overview of risk management with futures contracts, explaining key concepts like hedging, short and long positions, forwards versus futures, margins, mark-to-market process, and how taking opposite positions in the cash and futures markets can help reduce risk for buyers and sellers. Futures contracts standardize terms to allow for trading on exchanges, use a clearing house to minimize counterparty risk, require daily margin payments to settle profits and losses, and can be closed out before expiration.
To deliver quality at all times, to satisfy customers forever, to quote realistic prices always. In short, this is what Radiant Structures is all about.
A company that’s manned by thorough professionals; people who’ve over two decades of experience in property development. At Radiant, excellence stems from its people – skilled engineers, architects, workers, marketing professionals and customer care personnel.
Besides the talented workforce, the company is ably guided by its management team headed by Mr. Raghavendra Reddy. A Civil Engineering graduate from Gulbarga University, he has independently handled huge contracting projects – both residential and commercial.
Needless to say, at Radiant everyone shares a common passion to deliver products that’ll not just exceed customer expectations, but remain as benchmarks for the industry itself.
This document summarizes the key steps and considerations for first-time homebuyers. It discusses getting pre-approved for a mortgage, choosing between government and conventional loans, understanding closing costs and down payment requirements, working with a real estate agent and loan officer, and going through the home buying process from offer to closing. The overall message is to educate yourself on your financing options and work with professionals to ensure you purchase a home that fits within your budget and financial goals.
The document discusses key concepts related to the time value of money including compound interest, discounting, and annuities. It defines compound interest as interest earned on interest and explains how this allows an investment to grow faster over time compared to simple interest. Formulas are provided for calculating future and present values using different compounding periods. Annuities are introduced as insurance products that can provide a steady retirement income stream, with deferred annuities accumulating funds for later withdrawal and immediate annuities beginning payouts after the initial investment.
Show students how they can be better candidates for college scholarships by taking the tough classes, building a quality activities resume, earning good grades, and performing well on the ACT/SAT.
Normally people think financial goals require a high salary or wealth, but financial planning can achieve goals. Financial planning involves managing current resources through disciplined investing in options to achieve financial goals. It considers resources, investment options, and goals. A financial planner analyzes the situation, recommends an asset allocation plan, and monitors it over time to achieve the client's changing needs and opportunities.
The document provides an overview of various FHA loan programs offered through Affinity Lending Group including standard FHA, FHA jumbo, FHA streamline, and FHA secure programs. It outlines eligibility guidelines, underwriting guidelines, and other details of the programs. Affinity Lending Group has been assisting first-time homebuyers and those needing down payment assistance since 2003 through these FHA loan options.
Chapter9 International Finance ManagementPiyush Gaur
This document provides solutions to questions and problems related to managing economic exposure from a chapter on the topic. [1] It defines economic exposure as the possibility that a firm's cash flows and market value may be affected by unexpected exchange rate changes. [2] It explains different types of exposure a firm may face, ways to measure exposure, and strategies to mitigate exposure through hedging or operational changes. [3] The solutions analyze several examples of firms facing exchange rate risk and recommend approaches to reduce their exposure like hedging with forward contracts or diversifying markets.
The mortgage process involves several key steps:
1. Getting pre-approved for a mortgage to determine how much you can borrow and protect the interest rate for up to 120 days.
2. Shopping for a home with your pre-approved mortgage amount.
3. Submitting a mortgage application including documents like pay stubs, bank statements, and information about the property.
4. Having conditions like an appraisal met before finalizing the mortgage.
5. Signing legal documents to transfer title and finalize the mortgage.
The document discusses the components of the cost of capital, including debt, preferred stock, and common equity. It provides methods for calculating the costs of each component, such as using bond yields for the cost of debt. The weighted average cost of capital (WACC) is calculated using the costs of each component weighted by the target capital structure weights. Factors that influence the WACC include market conditions, the firm's capital structure and investment policy. The document also discusses approaches for adjusting the cost of capital for divisions or projects based on their specific risks.
This document provides guidance on teaching children about money management from a young age. It recommends starting simple lessons early and making them more complex as children mature. Everyday opportunities to discuss money include examining attitudes, involving children in financial planning, distinguishing needs from wants, and talking about credit. The document also outlines specific strategies for different age groups, such as using a four-bank system for savings, spending, donating and investing starting at age 5-6, and introducing the concepts of credit reports, scores, and responsible credit card use in the teen years.
Homebuying seminar for realtors to useheatherjs821
This homebuying seminar provides information to help families make the right decision for homeownership. It discusses the benefits of owning over renting, getting pre-approved for a loan, choosing a realtor, making an offer, and completing the closing process. Resources are also included to help with the homebuying process.
This document provides an outline and overview of capital structure and term structure theories. It discusses key concepts related to a firm's capital structure decision, including the net income approach, traditional views, Modigliani-Miller propositions, and theories such as trade-off, agency costs, and pecking order. It also covers term structure theories, including the expectations theory, segmented markets theory, and liquidity premium theory. The document uses examples and diagrams to illustrate how financial leverage, taxes, and bankruptcy costs impact a firm's optimal capital structure and cost of capital.
Bond valuation involves calculating the present value of a bond's future interest payments and principal repayment. There are several types of bonds that differ in issuer and features. Bonds are issued by corporations and governments to raise funds for projects while managing costs and diversifying sources of capital. Investors face various risks when purchasing bonds like interest rate, default, market and call risks. Key metrics for bonds include current yield, yield to maturity, yield to call and realized yield, which are calculated using principles of time value of money. Bond prices generally move inversely to interest rates and bonds with longer maturities are more sensitive to interest rate changes. Price impacts from interest rate changes are also not symmetrical. Lower coupon bonds experience greater price volatility from
These PPT slides are for students who are studying to pass the NationalLoan Originator Licensing Exam with Uniform State Component, and are students of Jillayne Schlicke, CE Forward, Inc.
What is the difference between Whole Life and Indexed Universal Life for Reti...Michael Grigsby
I get asked a lot about how Whole Life insurance differs from Indexed Universal Life insurance, particularly when it comes to retirement planning. In this presentation, I note the similarities between these forms of permanent insurance, the differences, and why you might use one instead of the other.
The document provides an analysis of replacing old machines with a new Vulcan Mold-Maker machine at Fonderia di Torino. It calculates the WACC as 9.86% and compares the costs and cash flows of the old and new machines. The analysis finds that replacing the old machines with the new one would save over €166,000 per year in cash flows and have a positive net present value of over €800,000, even after accounting for inflation and the cost of capital. Therefore, the document recommends that Fonderia di Torino proceeds with purchasing the new machine.
This document provides an overview of bond valuation. It defines a bond as a long-term debt instrument that pays periodic interest to the bondholder. It describes the par or face value of a bond as well as the coupon rate. It discusses the types of risks associated with bonds, such as interest rate risk and default risk. It also covers methods for measuring bond yields, including current yield and yield to maturity. The document uses examples to demonstrate how to calculate bond prices and bond yields.
The document discusses the time value of money concept. It defines time value of money as the idea that money available now is worth more than the same amount in the future due to its potential earning capacity if invested. The document provides examples of how to calculate present value and future value using time value of money formulas under both simple and compound interest. It emphasizes that the time value of money is an important financial management concept used to evaluate investment alternatives and solve problems involving loans, leases, and savings.
The document discusses cost of capital estimates for Midland Energy Resources, a global energy company, and its divisions. It presents the company's operations, the current problem of criticism of the cost of capital estimates, and calculations of weights, betas, costs of equity/debt, and WACC for the company and one division. Issues identified include lack of rationale for analyzing some overseas projects based on equity cost alone. The document provides context, calculations, and issues for a presentation on Midland's cost of capital.
The document provides an overview of risk management with futures contracts, explaining key concepts like hedging, short and long positions, forwards versus futures, margins, mark-to-market process, and how taking opposite positions in the cash and futures markets can help reduce risk for buyers and sellers. Futures contracts standardize terms to allow for trading on exchanges, use a clearing house to minimize counterparty risk, require daily margin payments to settle profits and losses, and can be closed out before expiration.
To deliver quality at all times, to satisfy customers forever, to quote realistic prices always. In short, this is what Radiant Structures is all about.
A company that’s manned by thorough professionals; people who’ve over two decades of experience in property development. At Radiant, excellence stems from its people – skilled engineers, architects, workers, marketing professionals and customer care personnel.
Besides the talented workforce, the company is ably guided by its management team headed by Mr. Raghavendra Reddy. A Civil Engineering graduate from Gulbarga University, he has independently handled huge contracting projects – both residential and commercial.
Needless to say, at Radiant everyone shares a common passion to deliver products that’ll not just exceed customer expectations, but remain as benchmarks for the industry itself.
This document summarizes the key steps and considerations for first-time homebuyers. It discusses getting pre-approved for a mortgage, choosing between government and conventional loans, understanding closing costs and down payment requirements, working with a real estate agent and loan officer, and going through the home buying process from offer to closing. The overall message is to educate yourself on your financing options and work with professionals to ensure you purchase a home that fits within your budget and financial goals.
The document discusses key concepts related to the time value of money including compound interest, discounting, and annuities. It defines compound interest as interest earned on interest and explains how this allows an investment to grow faster over time compared to simple interest. Formulas are provided for calculating future and present values using different compounding periods. Annuities are introduced as insurance products that can provide a steady retirement income stream, with deferred annuities accumulating funds for later withdrawal and immediate annuities beginning payouts after the initial investment.
Show students how they can be better candidates for college scholarships by taking the tough classes, building a quality activities resume, earning good grades, and performing well on the ACT/SAT.
Normally people think financial goals require a high salary or wealth, but financial planning can achieve goals. Financial planning involves managing current resources through disciplined investing in options to achieve financial goals. It considers resources, investment options, and goals. A financial planner analyzes the situation, recommends an asset allocation plan, and monitors it over time to achieve the client's changing needs and opportunities.
What I Wish I Knew about Personal Finance in Collegerjweiss
The document discusses the power of compound interest and how starting to invest and save early can significantly grow one's wealth over time. It also covers important personal finance concepts like using 401k matching, paying off high-interest debt, and maximizing tax-advantaged retirement accounts. The main recommendation is focusing on controllable factors like spending, saving, and investing in further education and skills.
Personal Finance Strategies For College StudentsCurtis Rose
Whether you're a recent high school graduate or haven't seen the inside of a high school in a great while, attending college is an exciting time. But college is also a potentially expensive time.
There are many things to consider. What should your major be? How are you going to pay for it? Are you going to live on campus, off-campus, or at home? Should you have a job while attending college? What about student loans?
We're going to examine all of these questions and more. A little planning can go a long way. There are many decisions that have to be made. The key is to consider the financial implications of every decision.
Higher education is expensive, but there are many things you can do to control the expense.
The College Board hosted a webinar to share information with parents about searching for and applying to college. The webinar was hosted by Steve Colon at the College Board and featured John Chavez from Columbia University, Nicole Hurd from College Advising Corps, and Marcia Hunt from Pine Crest School. Learn more at collegeboard.org/parents.
Power point presentation geared towards middle school students who are in grades 7-8 who are seeking enrolled in an accredited two or four year college or university.
Internal and external auditing in private schoolJonna May Berci
Internal auditing is conducted by auditors within an organization to evaluate risk management, controls, and governance processes. It helps improve operations and prevent fraud. External auditing is conducted periodically by an independent accountant to provide reasonable assurance that financial statements fairly present the organization's financial position. It ensures compliance with laws and regulations and provides a second check of the organization's finances and internal audit. Both internal and external auditing aim to improve an organization's processes and operations.
The document discusses financing education in three key areas:
1) Prioritizing education is important as it empowers individuals and contributes to a country's development. The Philippines government allocates the highest budget to education and guarantees the right to education in its constitution.
2) Sources of education financing include public funds (80% of funding), private sources (20% of funding), and international sources (2% of funding). Households provide the largest share of private financing.
3) The increasing cost of education is due to factors like expanding campuses to meet demand, budget cuts leading to tuition hikes, and universities competing to attract students and faculty through investments that drive costs up further.
This document discusses financing education at the institutional level by analyzing internal and external competitive forces that affect educational institutions. It examines how external forces like global demand for graduates impact enrollment trends. It also looks at internal forces such as faculty quality, facilities, and research capabilities. Porter's Five Forces model is applied, analyzing rivalry among institutions, potential for new entrants, power of suppliers/employees, and threat of substitutes. Various analyses like external factor analysis and competitive profile matrix are presented to evaluate competitiveness based on these forces both internally and externally. In summary, competitive forces and factors heavily influence the financial operations and viability of educational institutions.
This document provides a sample budget for a school-age care program. It includes definitions and instructions for the budget categories. The budget covers 12 months of operation, including summer and school year programming. The budget summary provides total expenses by category and anticipated revenue. The budget narrative then explains each expense category in detail, providing position titles and salary calculations for personnel, how fringe benefits are calculated, and formulas for determining costs for items like supplies, equipment, travel, and other categories. The narrative aims to justify and provide transparency for all budgeted expenses.
Sample budget presentation for stakeholders. Find out how to compile and present data. Register for the Georgia 40-Hour Director's Training Credential workshop.
http://altheapenn.tripod.com/id20.html
Maintenance and other operating expensesCheryl Asia
This document outlines guidelines for mandatory operating expenses incurred by schools and school divisions in the Philippines. It discusses expense categories such as utilities, rent, insurance, supplies and others. It specifies that school divisions must directly release funds for mandatory operating expenses to elementary schools and secondary schools without financial staff. Schools must submit liquidation reports to their school division and funds must be used according to budgeting, accounting and procurement rules. The document provides requirements for implementation of the expense guidelines.
1. The document discusses planning and saving for retirement, including estimating costs of one's desired lifestyle and identifying sources of retirement income such as pensions, 401ks, IRAs, Social Security, and other savings vehicles.
2. It explains compound interest and its power to grow savings over time, demonstrating concepts like the Rule of 72.
3. The importance of starting to save and plan for retirement early is emphasized.
The document summarizes a continuous improvement project called Project READ that aims to improve the reading skills of 61 grade 7 students at Malauli High School. It outlines the current problems of low reading abilities, test scores and high dropout rates. It then details the 10 step CI process used to assess the problem, analyze root causes through student interviews, develop and implement remedial reading solutions including securing materials and revising class schedules. Initial implementation shows high student attendance of remedial classes and secured materials. The goal is for all students to advance as readers and improve test scores.
This document provides an overview of funding sources for Iowa K-12 public schools. It discusses major funding sources like the general fund, physical plant and equipment levy (PPEL), and debt service. The general fund is the most important and relies on student counts, a cost per student set by the state, and funding from property taxes and state aid. Spending authority, set by the state, limits how much districts can spend from the general fund. Other funds have more flexible spending but cannot be used to offset general fund shortfalls. The document outlines restrictions on uses of funds and approval processes for things like voter-approved levies and bond issues. Financial health focuses on general fund spending authority and the district's ability
The document discusses retirement planning and provides information about retirement benefits. It covers topics such as the importance of retirement planning, sources of retirement income like government and company programs, retirement benefit schemes, and strategies for retirement planning such as maximizing workplace savings and establishing IRAs. The document aims to help people understand retirement and the need for financial planning to ensure a comfortable retirement.
Pdnhs school improvement plan (sy 2011 2014) 0014-crajnulada
The document is a school improvement plan submitted by Palaca-Damilisan National High School for approval by the Division of Iloilo Superintendent. It includes an introduction outlining the school's vision, mission and values. It also provides details on the school's personnel, curriculum and special programs. The committee that prepared the plan is identified and the school requests approval of its school improvement plan for 2011-2014.
The document summarizes how school financing is administered in the Philippines. It outlines the various sources of funding for different levels of education, including taxes, fees, and government appropriations. It also describes the procedures followed by local, provincial, and national governments in budgeting, approving, and expending funds for education. Key responsibilities include the national government primarily supporting elementary education, and jointly supporting secondary education with local governments.
The document discusses various aspects of financial management including its objectives, scope, sources of finance, and types of shares. Financial management deals with procuring and utilizing funds in a balanced manner to maximize profit and returns. The basic objectives are profit maximization and maintaining liquidity, while other objectives include fair returns, building reserves, and ensuring efficiency. Sources of finance discussed include equity shares, preference shares, debentures, and retained earnings.
How to pay for College with out going broke!jlrcks6
The document discusses various ways to pay for college with as little out-of-pocket costs as possible, including through financial aid, tax benefits, and legally arranging one's financial situation. It notes that understanding complicated educational laws, tax provisions, and how to negotiate financial aid packages can help families get thousands more in aid. Proper planning is needed to navigate these options and not miss out on maximum available funds.
SACAC Session B: The True Tragic Tale of College Costs and Financial AidRaise.me
- College costs have dramatically outpaced both family income and inflation over the past 20+ years, creating a "true, tragic tale" of financial strain for many families.
- The process of applying for and receiving financial aid is confusing due to flawed components like the FAFSA, net price calculators provided by colleges, and vague or misleading statistics presented by admissions offices.
- There is a lack of clear, accurate information available to help families understand how much financial aid they will realistically receive from different colleges, making it difficult for families to make good decisions about college affordability.
This document summarizes a financial advisory presentation on saving and paying for a child's college education. It discusses factors to consider like the costs of different types of colleges, available financial aid options, federal and private student loans, tax benefits, and savings vehicles like 529 plans. It also addresses developing a financial plan and goal for paying for education.
Paying for College: FAFSA, Financial Aid, and More Parent WebinarCollegeBoardSM
This document provides an overview of financial aid basics for paying for college. It discusses the main types of financial aid including grants, scholarships, loans, and work-study. It also outlines the key steps and tools used in applying for financial aid, including completing the Free Application for Federal Student Aid (FAFSA) and CSS Profile if required by colleges. Experts provide advice on topics like the best times to complete financial aid forms, additional sources of aid including state programs and scholarships, and emphasizing applying for aid even if you don't think you will qualify.
The document discusses the financial aid process for paying for college in Illinois. It explains that the Illinois Student Assistance Commission (ISAC) administers financial aid programs in the state, including scholarships, grants, and prepaid tuition. It provides details on the types of financial aid (grants, scholarships, work-study, loans), sources of aid (federal, state, college, private), and examples of major aid programs from ISAC and the U.S. Department of Education. The document emphasizes applying for financial aid through the Free Application for Federal Student Aid (FAFSA) and knowing the options available to make college affordable.
The document provides an overview of financial aid, including what it is, how to get it, types of aid such as grants, scholarships, loans, and work-study programs. It discusses determining financial need through the FAFSA, the estimated family contribution, and important dates and resources for applying for financial aid.
This document summarizes a presentation about planning for college costs. It discusses rising college tuition and the importance of having a plan to pay for college. Common financial aid terms are defined. The presentation emphasizes lowering a family's expected contribution and using strategic planning to plug leaks in savings. It encourages attendees to schedule a follow up meeting to assess their individual situation and options.
Learn how to reduce the cost of college by reading our comprehensive guide today. Do not attempt to navigate the college or university landscape without a road map.
This document discusses the rising costs of postsecondary education and strategies for paying for college. It notes that while a year of college could be paid for with summer earnings in the past, students would now need to work for over 25 weeks to cover a year's tuition. It then provides information on average tuition costs and projected increases. The document emphasizes that higher education is still a good investment that leads to higher lifetime earnings. However, it notes that many students do not graduate within 6 years and may struggle to repay loans without a degree. The remainder of the document outlines financial aid options including grants, loans, and repayment plans to help students pay for and afford their education.
The decision to go to college can by complicated by the financial commitment that’s involved. It can be stressful (as a family) to think of the expense, the debt piling up, and the unknown of when it comes time to repay.
With some knowledge and preparation, you can make college happen. Don’t let the cost deter you if you’re confident in the value of a college education!
Missouri Western State University Financial Aid Presentationcaseyburg
This document provides information about financing a student's education. It discusses the different types of financial aid available, including grants, scholarships, loans, and employment. It explains how financial need is determined using the cost of attendance and expected family contribution. The document emphasizes the importance of completing the Free Application for Federal Student Aid (FAFSA) annually and by priority deadlines. It provides tips for budgeting loan funds and understanding loan repayment responsibilities. Overall, the document is a guide for students to understand their financial aid options and successfully manage the costs of their education.
This document summarizes information about student loans for dental students at Tufts Dental School. It discusses the types of federal and private student loans available, as well as the costs of tuition and living expenses. It provides details on loan terms and limits. The document also offers tips for managing costs, such as creating a budget, seeking additional funding sources, and monitoring existing loans. Resources for loan repayment programs and online information about student loans are also listed.
Powerpoint with becky editsfinal10272021approvedAlexander121900
This document provides information to help families save on college costs. It discusses increasing eligibility for financial aid and obtaining suitable financial aid packages. Key points covered include understanding the financial aid process, strategies to make college more tax efficient, saving and investing for college, increasing aid eligibility, finding suitable schools, and preparing for retirement while paying for children's education. Specific tuition and cost figures are given for Utah universities to illustrate total costs of attendance. Ways to lower the expected family contribution through asset positioning are outlined. The importance of choosing colleges that meet most or all of students' financial need is also emphasized.
This session will introduce you to the basics of financial aid, an introduction to key terms and concepts of financial aid and the Free Application for Federal Student Aid (FAFSA).
In addition, participants will be provided with tools and resources to reach out to students and families as they navigate through the process of finding ways to pay for college.
This document discusses myths about financial aid and provides information to help students and families better understand their financial aid options. It addresses two common myths: 1) that some families cannot qualify for aid based on income, but there are non-need based options available, and 2) that it's not worth filling out financial aid forms if you don't qualify, but students must complete the FAFSA to be considered for major aid programs. The document provides an overview of federal, state, and institutional financial aid options as well as the importance of completing the FAFSA and CSS Profile if required by colleges.
This document provides information about financial aid for college. It discusses what financial aid is, the Free Application for Federal Student Aid (FAFSA), grants, scholarships, and student loans. The FAFSA is emphasized as the primary way to apply for federal student aid such as Pell grants, work-study, and loans. It also discusses the importance of completing the FAFSA accurately and on time, as many states and schools use it to determine eligibility for other aid. Student loans are addressed, noting they must be paid back with interest, and the differences between subsidized and unsubsidized loans are summarized. The document stresses managing costs and cash flow, being financially responsible, and getting help from financial aid offices.
December 2014 Student Loan Seminar PresentationKristina Flores
Prospera Credit Union (https://myprospera.com) is a local credit union that now serves a four-county area and is strong enough to provide you with everything you need, yet small enough to know you personally and care about your and your family's prosperity. When you choose Prosepra, you become a member, not just a customer. Part of a family. A family that works together for everyone's benefit.
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Looking for a way to contact us? Please call us at 920-882-4800 or fill out the below contact form on our website (https://myprospera.com/contact-us)
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Financial Aid 101 -- Understanding the Financial Package
College Financial Planning Information
1. The Little Known Secrets
Of How To Get Maximum
Money For College!
How To Legally Arrange Your Financial Situation To
Pay For College With As Little Out Of Pocket As
Possible!
2. Carol Klamo
College Funding Strategist
College Planning & Funding Strategies, LLC
927 Beville Road, Suite 111
South Daytona, Florida, 32119
Phone: (386) 236-9944
http://www.collegefundingstrategies.org
3. Keep in mind…
The information in this presentation is based on
current laws and regulations. The information is
general in nature, seeing that everyone’s personal
financial situation is complex and very different. Due
to this, we offer a FREE no-obligation consultation to
those who participate in this presentation where we
will take 1 hour of one-on-one time to review your
specific and individual situation. We will further discuss
details of the consultation later in the presentation.
4. Our Research of Parent’s Biggest Concerns
Missing deadlines
Making mistakes
Developing a plan to pay for college
Not having the time to do everything involved
Doing something that will hurt their child’s chances
for college admission
Doing something that will cause them to not get the
most financial aid possible
5. Today's High Cost Of College!
§ Why is it so ridiculously expensive?
• Less aid from government sources.
• Teacher's salaries going up.
• Costs of maintenance, upkeep, repairs,
infrastructure, etc., all going up.
• Changes in technology.
• Each year, college cost are increasing
faster than inflation rates!
6. It's Expensive No Matter Where
Your Kids Go!
§Average Yearly Cost
Not just tuition - includes Of Private Schools
books, room and board, Versus State
living expenses, etc.
Schools!
4 years can cost $69,960 to $45,000
$143,440 ...or even more! $40,000
$35,000
Multiply by number of kids. $30,000
$25,000 Private
Each year, college costs $20,000 State
increase faster than $15,000
inflation rates! $10,000
$5,000
$0
7. How Is A Family Supposed To
Pay For All That?
• Savings?
• Borrow?
• Scholarship?
• Go To Lesser
School?
• Not Go At All?
8. Savings
Take from the $200,000 that is burning a hole in
your pocket
If you have savings, I highly recommend that you
reserve one of the FREE consultation appointments
I’ll be discussing a little later in the presentation.
$10,000 in savings could potentially cost you $500 to
$3,500 in college grant money.
You need to know what to do BEFORE you play the game…
9. Borrow
There are several different ways to borrow the money for college…
If you’re going to borrow money, would you rather…
Get a tax deduction or not get one?
Have a fixed monthly payment or a variable increasing payment?
Have interest-free student loans or high-interest student loans?
Have to take a loan each and every semester or have the funds
readily available prior to college beginning?
Example: 4 ½ years “Same As Cash”
Once again, you must know what your options are before you play the game.
10. Scholarships
What % of the $169 billion dollars available in
Student Aid came in the form of scholarships?
www.fastweb.com
Just like in Las Vegas or Day Trading, you only hear
about the winners…
“Weekend Warriors”
- If someone tells you that ‘Your student has been
selected to apply for grants from Federal Gov’t. All
you have to do is pay us $2,000 tonight’… RUN!!!
11. Financial Aid
§Who Is Eligible?
Myths vs. reality-
• Income too high. Financial Aid Certificate
• Grades too low. Due to your financial situation, you are accepted to the
University of Hard Knocks, and are eligible for $5,000 of
financial aid in your freshman year!
• Own a home. PRESENTED TO:
Our kid
• Aid is only for special by
this day of
Type name here
, 199 ,
groups.
• It's an easy process.
• School people can help.
12. How Much Aid Is Available?
There is about $169 Billion of Aid
(and tax relief) available, if you
know where to get it!
Cost Chart - Billions of Dollars - (2008 Academic Year)
89 Billion
Student/ 169
Parent Share Billion
Student Aid
13. How Much Aid Is Available?
The 2008 Aid Pie (Billions)
Federal Loans
Federal Grants
The States
13.1% Private Sources
Tuition Tax 6.1%
$22.1
Credits $10.4
8.2% Employer Paid Tuition
$10.5
Military Collegiate Resources
4%
$6.8
Military
Tuition Tax Credits
The States
Collegiate
Resources Federal Grants
19.2 % Federal Loans
Employer-Paid Tuition
$32.48 Private Sources 43.8 %
3.95 %
3.7 %
$6.7 $74
$6.3
14. How Do They Determine
If I'm Eligible?
§ COA - EFC = Need-
• COA stands for Cost of Attendance.
(Includes tuition, books, room/board, etc.)
• EFC stands for Expected Family Contribution.
(Based on parent's and student's income, assets,
ages, number of people in school.)
• Need is how much aid the family is eligible for.
3 Categories of People
15. Three Kinds Of Families
That Need Proper College Funding!
Families with total financial need! (C1)
Those who get financial aid wherever they go
to school. However, everything must be done
100% accurately and on time to get the
maximum amount of FREE money and less
loans.
16. Three Kinds Of Families
That Need Proper College Funding!
Families with partial financial need! (C2)
Those who will get financial aid DEPENDING
on which school they choose and how their
assets & income are positioned.
(… the majority of people participating in this workshop)
17. Three Kinds Of Families
That Need Proper College Funding!
Families who make too much money to qualify for
“need based” financial aid! (C3)
Those who will not qualify for “NEED based” aid but
still must go through the process to get the “MERIT
based” money. These people must also be
concerned with paying for college in the most tax-
efficient fashion and must take into consideration
how this will effect all other financial and retirement
goals they may have.
19. Where To Get Money!
Feder al Gover nment.
• Pell Gr ants
• SEOG Grants
• Colle ge Wor k/Study
• Subsidized and Unsubsidized
Staf for d Loans
• Per kins Loans
• PLUS Loans and SLS Loans
20. Where To Get Money!
Feder al Gover nment.
State Gover nment.
• Special programs for in-state
residents.
• Teacher s, health pr ofessionals,
minorities, etc.
• Contact state higher education
agency for more infor mation.
21. Where To Get Money!
Feder al Gover nment.
State Gover nment.
Colle ges And Univer sities.
• Private univer sities have
endowment funds, outside of federal
and state funds.
• Awar ded on a fir st come, fir st
ser ved basis.
22. Where To Get Money!
Feder al Gover nment.
State Gover nment.
Colle ges And Univer sities.
Private Sour ces.
• Are private scholar ship ser vices wor th
it?
• Ver y small % of all the aid.
• Don't spend your time looking for
23. How Do You Apply?
The FAFSA. (Free Application for Federal Student Aid.)
A large % go in with errors or inconsistencies.
EVERYONE must fill out this form to get aid!
You cannot apply for Federal Loans if you do not
fill one out!
If it is done wrong, it usually gets bumped,
adding another 4-6 weeks processing
time…which often results in lost financial aid!
24. How Do You Apply For Aid?
The FAFSA.
The CSS/Financial Aid PROFILE And
Registration Form.
Many private schools want this form as well.
Registration and application can only be
submitted online via the Internet.
Asks about home equity, more detailed
explanation of income, assets and expenses.
Must be consistent with FAFSA!
Not easy to understand or fill out!
25. How Do You Apply For Aid?
The FAFSA.
The CSS/Financial Aid PROFILE And
Registration Form.
The School's Own Institutional Forms.
Some schools will make you fill out their own
additional forms.
They must be consistent with the other forms.
Usually will ask similar questions to the other
two forms.
26. How Do You Apply For Aid?
The FAFSA.
CSS/Financial Aid PROFILE And
Registration Form.
The School's Own Institutional Forms.
Additional Forms:
Business/Farm Supplement.
Divorced/Separated Agreement.
27. Financial Aid Forms: End Result
„ As a national average, Parents &
Students will fill out 5-9 forms for
Financial Aid, spending 15-20 hours
processing them, and still 75% are
completed with errors or
inconsistencies.
29. The Best Shot!
Percentage Of Need Met.
– Some schools meet 100%
of need.
– Others only meet 30-60%!
– (COA-EFC = Need)
– COA: ($20K) - EFC: (10K) = Need ($10K)
– 10K - 60% = $4,000 + 10K = $14,000 your
new EFC.
– You MUST KNOW these statistics
BEFORE APPLYING!
30. The Best Shot!
Percentage Of Need Met.
Percentage Of Gift Aid.
– Some schools meet most
needs in FREE money, while
others give mostly loans.
– You MUST also know about
this BEFORE applying!
31. The Best Shot!
Percentage Of Need Met.
Percentage Of Gift Aid.
Percentage Of Self-Help Aid.
– Some schools meet most or all of needs in work/study
or loans. (You do not want to find out in June that they
met most of your need in loans!)
– You must have a history on what that school has done
in the past!
Know BEFORE applying!
32. JONES FAMILY: CASE STUDY
Northwestern Univ: Univ of Central FL:
Cost - $45,167 Cost - $18,282
EFC - $7,878 EFC - $7,878
Need - $37,285 Need - $10,404
School A: School B:
Meets 100% need. Meets 58% need = $6,034 ($4,370 short!)
Gift aid - 76% Gift aid - 57%
Self help - 24% Self help - 43%
What you actually pay at each school:
School A: School B:
Total EFC = $7,878 EFC = $7,878
Total Gift = $28,337 + Unmet Need = $4,370
Total Self = $8,948 Total EFC = $12,248
Total Gift = $3,439
Total Self = $2,595
Family actually pays $4,370 more out of pocket to send their child to the "cheaper" school!
Don't make the huge mistake of picking schools based on cost of attendance only!
Your family may not get the best education...because you didn't know the inside secrets of
college funding!
33. How To Negotiate
For The Best Possible Package!
You must know your options
to get the best deal!
34. How To Negotiate
For The Best Possible Package!
• Some schools mis-award.
• Some schools under-award.
• Some schools will try to compete with other
schools.
– You must know whether or not to accept the first
award letter!
– You must know how to to talk to these people in the
financial aid offices!
35. “Financial Aid Leveraging”
65% of private schools and 27% of public
schools engage in financial aid leveraging.*
This process is used by universities to determine
HOW LITTLE AID needs to be awarded to a
particular student to still get the student to enroll.
* Quoted from Money magazine
36. How To Get More Need-Based
Aid For College!
You Can Re-Arrange Your Affairs
To Get More Money By Learning
The Legally Established Rules!
37. Financial Aid Legal "Loopholes"
It is perfectly legal and Knowing more, gets you
ethical to make use of more!!
rules that allow you to
get more money!
$10,000
It's no different than
$8,000 Not
using legal tax Knowing
$6,000
"loopholes" to save Loopholes
Knowing
$4,000
money! Loopholes
$2,000
You may get thousands
$0
more just by knowing the
rules that they don't want
you to discover!
38. Example of two parents –
one took control!
Family A: Family B:
Income: $95,000 Income: $95,000
Assets: (Excluding home) $60,000 Assets: (Excluding home) $60,000
Other real estate: $50,000 Other real estate: $50,000
Number in family: 4 Number in family: 4
Number in school: 1 Number in school: 1
EFC - $26,685 EFC - $9,613
• Difference of $17,072 per year (more than $68,000 over 4 years),
because Family B took the time to understand the process, how the pieces
of the puzzle fit together...and take control!
39. Educational Laws & Amendments
$1.35 Trillion Economic Growth - Tax Relief
Reconciliation Act Of 2001
Deficit Reduction Act of 2005
Higher Education Reauthorization Act Of 2006
Second Higher Education Extension Act of 2007
College Cost Reduction & Access Act Of 2007
You must understand these complicated laws and tax provisions,
and most importantly, how they impact many areas of college
funding. There are many opportunities and pitfalls you have to
watch out for!
40. WARNING!
Don’t Even Think About Applying For College
Funding Until You Fully Understand These
Educational Laws & Tax Provisions That Directly
Affect Education Costs!
1. HOPE Scholarship Credit
2. Lifetime Learning Credit
3. College Tax Deduction
4. Student Loan Interest Deduction
5. Coverdell ESAs (formerly called Education IRAs)
6. Penalty Free IRA Withdrawals
7. Employee Education Assistance Plan Extension
8. Qualified State Prepaid Tuition Program Tax Advantages
9. Changes To Eligibility Formulas, Loan Limits & Interest Rate
Calculations
41. Tax Credits vs. Tax Deductions!
Tax Deductions Reduce Tax Credits Reduce
Taxable Income. Income Tax.
A $1,000 Tax Deduction A $1,000 Tax Credit In
In A 28% Tax Bracket ANY Bracket Saves You
Saves You $280 In $1,000 In Taxes!
Taxes!
42. Section 529 Plans
Are they all they’re cracked up to be???
What are the “so-called” Benefits?
How do they affect Financial Aid?
43. 529 Plans: Are they right for you?
If you own a 529 plan, make sure you have a
competent college funding advisor exam it
BEFORE you apply for financial aid!
44. Getting Maximum Money For College Under The Confusing And
Complicated Laws and Tax Provisions Is No Easy Task!
Will taking advantage of one of these new tax provisions actually cost you
by reducing the amount of aid you would otherwise qualify for?
Should you elect the HOPE Scholarship Credit or the Lifetime Learning
Credit?
Do you make too much money to qualify for the HOPE Credit or the
Lifetime Learning Credit?
Should you take advantage of the student loan interest deduction?
Should you refinance your home to pay for college?
Do you qualify for, or should you start a Coverdall ESA?
What are the restrictions on IRAs used for college expenses?
Are Qualified State Tuition Programs a viable option?
Can You Honestly Answer All of These
Questions???
45. How NOT To Become A Casualty Of These
Complicated Laws & Tax Provisions !
Start your financial and tax planning early... NOW!
Make sure your tax professional is completely aware of
the required integration and coordination necessary
between your tax and college funding situations!
Don't even think about filling out either your tax or
college financial aid forms without doing PROPER
PLANNING FIRST!!!
46. If You Choose to Have Someone Help
You, Make Sure You Ask Them These
Questions:
Can you show me how to lower my EFC & maximize my eligibility
for aid?
Can you help me pick schools that will give me the best aid package -
meet most need, more FREE money, less loans, etc.?
Can you help me fill out the FAFSA & CSS/Financial Aid PROFILE
Forms line by line?
Will you help me negotiate if I get a bad package or less than I
expected from each school?
Can you show me how to pay for college on a tax
favored basis if I don’t qualify for financial aid?
47. “But What If I Make Too Much Money
To Qualify For Need Based Aid?”
College Funding Planning Isn’t Only
Trying To Get Need Based Aid!
Other Planning Strategies Are Available
To Reduce Your Out Of Pocket Costs!
There Are Many Legal Ways To Skin
The College Funding Beast That Most
People Never Heard Of…And Their
Current Advisors Don’t Know About!
49. What Are Your Options?
• Do it yourself!
The colleges will love you for it!
• Let your accountant do it for you!
Tax formulas are totally different than financial
aid formulas!
Filling out tax returns is totally different than
filling out college aid forms!
Accountants tend to apply accounting principles
to financial aid, which will destroy the results!
Accountants are experts in accounting, not
financial aid!
50. Using The Services Of A
College Funding Consultant!
A Specialist In A Little Known, But Very Important Niche!
51. Questions To Ask A College Funding
Specialist!
• What exactly will they do for you?
– Income and asset planning.
– Pick best schools.
– Fill out forms.
– Negotiate with schools.
• Do they offer any guarantees?
• When should you start planning?
• What's the next step?
52. The Mission For Our Clients!
• Eliminate the administrative nightmare, which is littered
with countless opportunities for errors causing families to
lose some or all of their financial aid.
• Integrate sound financial planning strategies with the
financial aid rules and regulations.
• Implement programs that help families more easily afford
to send their children to the college of their dreams.
53. Our GUARANTEE To You!
We GUARANTEE we will:
– a.) Do income and asset planning recommendations
to reduce your EFC as much as possible.
– b.) Help you pick the schools that give the best financial
aid packages!
– c.) Help you fill out the financial aid forms, (or in some cases
actually fill the forms out for you!)
– d.) Negotiate on your behalf to get the best possible
financial aid packages!
– e.) Create a personalized plan to pay your family’s out-of-pocket
expenses in the most tax-efficient way possible.
If we do not do all this in a professional, timely manner in YOUR opinion, and
you’re not satisfied with our performance…we’ll refund absolutely 100% of
your fee with no hassles, no hard feelings!
54. Services We Provide: Student Counseling
Student Assessment
• Personality Profile Evaluation
• Advanced Search Of Careers, Majors & Studies Based On Specific Student Interests
• Innovative College Search Based On Demographics & Personalized Areas Of Importance
• Personalized Private Student Interview with a Private Admission Counselor From the National Association of
College Admission Counselors – Designed By A Ph.D., An M.I.T. Graduate & Former University Professor
Extremely Knowledgeable About Admissions Practices
• SAT Prep Course Entitled “The Little-Known Secrets of Acing the SAT!”
• On Average, Students Who Have Participated In This Course Have Increased Their SAT Scores By 225 POINTS!
• ACT Prep Course Entitled “Everything You Must Know To Master The ACT!”
• On Average, Students Who Have Participated In This Course Have Increased Their ACT Scores By 4 POINTS!
• Admission Essay Review
• In-Depth Personalized Analysis On Your Chances Of Enrollment At Up To 5 Colleges
• Follow-Up Student /Parent Q&A Interview With Your Very Own Private NACAC Counselor / Admissions Coach
• Unlimited Q&A Email Access To Our Highly-Acclaimed Expert SAT / ACT Team
55. Services We Provide: College Funding Strategies
• Calculate Expected Family Contribution (EFC)
• Provide Planning Recommendations To Reduce EFC
• Provide Financial Aid Award Estimates For An Unlimited Number of
Schools & Recommend Additional Schools To Be Considered
• Provide Recommendations For The Best Way To Pay Your Share Of
College Costs
• Provide Tax-Efficient Borrowing Strategies To Help Keep Financial
Goals In Line, Along With Cash Flow Strategies For College Years &
Beyond
• Provide Complete Financial Overview On College, Taxes, Cash Flow,
Retirement & Develop A Plan To Improve Each Area
• Provide Strategies That Legally Protect Your Savings & Retirement
Accounts From The Financial Aid Formulas
56. Services We Provide: Financial Aid Data Gathering &
Processing
• College Planning Checklist With All Timelines & Deadlines That Is
Updated Electronically & E-Mailed Every Time Something Is Completed
&/Or Missing
• Free Bonus – Complete Free Application For Federal Student Aid
(FAFSA)
• Register Your Student For The CSS PROFILE
• Complete CSS PROFILE & Walk Families Through All Supporting
Documentation
• Complete Any Additional Forms Required By The Individual Schools
• Confirm The Accuracy Of The Student Aid Report (SAR)
• Make Any Necessary Adjustments To The SAR
• Advise & Counsel On Stafford & PLUS Loan Applications
• Provide Protection From Being Overlooked For Grants, Scholarships Or
Loans Due To Mistakes On Your Financial Aid Forms
57. Services We Provide: Appeals
• Spreadsheet Up To 3 Award Letters & Professionally
Evaluate If Your Offer Was Fair
• Provide Tested Appeal Letters If You Were Under-
Awarded
58. Services We Provide: Value Added
Services
• Sponsor “Client-Only” Teleconferences Throughout The Year For Parents & Students
On Topics Ranging From Essay Writing To Admission Tips
• Provide Easy-To-Use Parent & Student Manuals
• Provide a Monthly E-Letter To Parents & Students To Keep Them Updated On
Everything They Need To Be Aware Of Along The Way With A Weekly College
Funding “Tip of the Week”
• E-Mails Submitted Monthly To Both Parents & Students On What They Need To Be
Doing That Month To Maximize Their College Admissions & Financial Aid Results
• Personalized Financial Aid FAQ Page
• Interactive Online Page For Each Parent / Student
• Provide Parent / Student Feedback On Specific Colleges
• Unlimited Support For Parents & Students
• Copy Of Our “Student Handbook For Success”
• Copy Of Our “College Admissions Boot Camp Handbook”
• A One-Stop Shop to Always Have Your Questions Answered With Personalized
Contact
• Provide “Peace of Mind
59. Ask Yourself This Question…
How many of you are interested in knowing…
$ What your financial aid package might look like at the
schools you are considering BEFORE you apply
AND
$ If there are any strategies you can take advantage of
to help make paying for college more easily
affordable?
60. Requirements of Free Consultation
• Must be scheduled within 2 weeks of Workshop date
• If married, both parents must be present
• In order to facilitate the volume of free consultations we hold,
we ask you to provide a number where you can be reached
tomorrow between 9AM and 12PM.
– If you can’t be reached between 9AM and 12PM, please provide a
time during business hours you would prefer to be called.
– Seeing that almost everyone ends up requesting the FREE
Consultation…If the FREE Consultation is not scheduled by the end
of the day tomorrow, we cannot guarantee that any available FREE
Consultation spots will be left.
61. 1 Out Of 3 Things Will Happen
• You will get all of the added info you were looking for
so that you can do this yourself.
• You will decide that you want to do part and you want
us to do part.
• You will decide that you want absolutely nothing to do
with the financial aid nightmare and let us take
everything off of your plate.
62. Develop a PLAN!
“A fool with a plan is better than a genius
with none.”
-T. Boone Pickens – July 2008