3. 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
4. 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
5. 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
8. • 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
11. 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%)
12. 5. Protect Yourself From Major Expenses
• Health
• Life
• Auto
• Legal
• Home Owners
13. 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
15. 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
16.
17. $80.00 traffic ticket
+ $10.00 a month in
increased auto insurance
for 36 months
= $440.00 Ticket
18. • 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
20. 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
21. 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.
25%
FAMILY
COVERAGE
Member
Spouse or Significant Other
Qualified Dependents
22. Complete Credit
Analysis
These Services are offered exclusively by Kroll Fraud Solutions Group
Minor CoverageComplete Identity
Restoration
Continuous Credit
Monitoring
23. “I Owe $16,000 on my
credit cards, my condo’s
in foreclosure and I turn
7 on Friday”
26. 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
27. • 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
28. • 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
