View
124
Download
0
Category
Preview:
Citation preview
Financial Wellness Worksho
pProtecting Families, Finances, and Your Future
TM
Financial Wellness
Debt
Taxes Budgets
Mortgage
1. Accept personal responsibility
2. Know your debts & develop a plan to become debt free
3. Use a budget to control expenses
4. Have an emergency fund and a savings plan
5. Protect yourself from major expenses (Insurance)
6. Earn interest on investments - don't pay interest
6 Keys To Financial Wellness
1. Accept Personal Responsibility• You have the
ability to control your financial wellness
• A journey of a thousand miles begins with a few simple steps
• Start with a few steps today
1. Accept Personal Responsibility
2. List Your Debts & Develop a Plan
• List out all of your debts with the interests rate you are paying
• Develop a plan to pay them off
• Ask for lower interest rates
• Seek professional help www.consumercredit.com
2. List Your Debts
FIVE WAYS TO GET OUT OF DEBT
FASTER
TM
TM
3. Use a Budget• Prepare a monthly
budget• List out all incomes• Plan out and budget
all expenses• At the end of the
month compare actual expenses with the planned amount
FIVEEASY WAYS TO BUDGET
TM
3. Use a Budget
4. Have an Emergency Fund and Savings
• Establish an emergency fund
• Don’t spend the whole dollar – Pay yourself first!
• Develop a habit of saving (never less than 10%)
4. Have an Emergency Fund And a Savings Plan
5. Protect Yourself From Major Expenses
• Health• Life• Auto• Legal• Home Owners
5. Protect Yourself From Major Expenses
6. Earn Interest – Don’t Pay Interest• Those that
understand interest earn it – Those that don’t - pay it
• Understand the difference between spending and investing
• Look for ways to earn more interest
6. Earn Interest – Don’t Pay Interest
MONEY SAVING
TIP$
TM
Money Saving Tips• Look at the options for re-financing
your mortgage at a lower interest rate• Be aware of fees…. ATM fees, Bank
fees, Check cashing fees, and Late fees. These can add up over time
• Take advantage of tax credits for energy efficiency
• Use www.skype.com to reduce long distance costs
• Review your credit report regularly
Money Saving Tips
Money Saving Tips
$80.00 traffic ticket
+ $10.00 a month in increased auto insurance for 36 months
= $440.00 Ticket
Money Saving Tips
• One of the worst financial decisions a person can make is dying without a Last Will and Testament.
• Also have a Durable Power of Attorney
• Keep these documents updated
Money Savings Tips
EMPLOYEEBENEFIT
SUMMARY
TM
PREVENTIVE LAW
· Unlimited Telephone Consultation
· Letters and Telephone Calls
· Legal Contract & Document Review
· Access To Legal Forms Online
Summary of Benefit Only See membership policy for complete details, limitations and exclusions.
MOTOR VEHICLE
· Assistance with Moving Violations Anywhere in the US
· Drivers License Services
· Defense of Criminal Charges
· Personal Injury and Physical Damages Collection
ESTATE PLANNING
• Preparation of Your Last Will and Testament
• Annual Updates
• Preparation of a Living Will and Durable Power of Attorney
TRIAL DEFENSE
· Defense of Civil Actions
· Pre-Trail and Trial Assistance
· Coverage Increases For the First Five Years
Life Events Legal Plan Summary
IRS AUDIT SERVICES
· Consultation
· Representation at Audit
· Representation at Trial
Summary of Benefit Only See membership policy for complete details, limitations and exclusions.
PREFERRED MEMBER
DISCOUNT· 25% Discount from
the attorney’s standard hourly rates for services not covered under the membership, including pre-existing conditions.
LEGAL SHIELD• 24 Hour Access to the
Provider Law Firm if you are ever arrested, detained, or served with a warrant.
Life Events Legal Plan Summary25%
FAMILYCOVERAGE
· Member
· Spouse or Significant Other
· Qualified Dependents
Complete Credit Analysis
These Services are offered exclusively by Kroll Fraud Solutions Group
Minor Coverage
Complete Identity Restoration
Continuous Credit Monitoring
Identity Theft Shield
“I Owe $16,000 on my
credit cards, my condo’s
in foreclosure and I turn
7 on Friday”
Safeguard For Minors
Drivers License
Medical FinancialEmploymentSSA & IRS
Character & Criminal
Five Common Types of Identity Theft
Identity Theft Shield
Complete Credit Analysis
Minor Coverage
Complete Identity Restoration
Continuous Credit Monitoring
Identity Theft Shield
Employees qualify for a special group
rate of:
$5.98 per week!That is less than the cost of
a bottle of water a day!
Add $25 cents a week for minor coverage
Benefit Costs
Benefit Enrollment • This benefit is available through payroll
deduction at a special group rate.• Complete the YELLOW highlighted area of
your membership form.• $10 enrollment fee is waived for all employees
Benefit Enrollment • Complete the YELLOW highlighted area of your
membership form. • If you want your payment through checking or
saving account complete the PINK areas• If you want your payment through debit or credit
card complete the BLUE areas• $10 enrollment fee is waived for all employees
Financial Wellness Worksho
pProtecting Families, Finances, and Your Future
TM
Recommended