1. When Your Money Is Unemployed Putting Lazy Money Back to Work

2. Its Time For Your Money To Get A Job! Questions & Concerns Well Answer How does your money work? What happens when it gets lazy? Why do you put up with it? Whats your money doing now? How can you put it back to work?

3. Get Your Lazy Money Back to Work Market volatility is scary Money under your mattress earns nothing Money in the bank today earns very low yields Our goal... put your money back to work in ways the bank cant People dont realize all the options they have

4. Money Works in Two Ways It can earn interest Simple Interest Compound Interest It can purchase goods & services Make purchases Pay for services

5. Earning Interest Money can be lent to someone or something, like a financial instruction. In return the lender earns interest for the use of the money. Interest can be earned as: 1.Simple Interest 2.Compound Interest

6. Simple Interest Source: Investopedia.com The interest is always based solely on the original principal amount, therefore interest on interest is not included.

7. Compound Interest Source: Investopedia.com Interest that accrues on the initial principal and the accumulated interest. Compounding of interest allows a principal amount to grow at a faster rate than simple interest.

8. Rule Of 72 Divide 72 by Your Interest Rate. How Many Years To Double Your Money? @ 0.50%= 144 yrs @ 1%= 72 yrs @ 2%= 36 yrs @ 3%= 24 yrs So It Does Make a Difference!

9. Buying Stuff Money can be spent to purchases tangible and intangible property Money can pay for services that are needed Money can be exchanged as trade for goods and services:

10. Buying Stuff It can purchase Goods & Services Goods FuelFuel FoodFood ShelterShelter AutomobilesAutomobiles Etc.Etc. What About Investments?What About Investments?Services Health CareHealth Care Home RepairHome Repair FreightFreight Auto RepairAuto Repair Lawn ServiceLawn Service Etc.Etc.

11. Buying Stuff It can purchase Goods & Services Goods FuelFuel FoodFood ShelterShelter AutomobilesAutomobiles Etc.Etc. What About Investments?What About Investments?Services Health CareHealth Care Home RepairHome Repair FreightFreight Auto RepairAuto Repair Lawn ServiceLawn Service Etc.Etc.

12. Why Does It Gets Lazy? Money gets lazy when: Interest Rates Are Historically Low CDs and Money Market Its Not Used To Buy Stuff Sitting Idle Waiting For Implementation

13. Todays Economy Promotes Lazy Money Historically Low Interest Rates CDs Money Market Inflation erodes purchasing power

14. CD Rates Will Go Up... Eventually... and Slowly Even Though CD Rates Are Historically Low They Must Be Going Back Up Soon, Right?

15. Why It Gets Lazy INFLATION: When Money Is Not Earning Enough Interest To Keep Up With The Rising Cost Of Goods & Services It: Cant Purchase as many goods Cant pay for as much service

16. Whats Your Money Doing Right Now? Earning Interest? Savings, CD, Money Market Buying Stuff? New Car, Vacation Home, Invested Waiting For A Job Offer? Mooching off of you

17. Why Do People Accept Lazy Money? They want to: Keep it Safe Have Access to it Leave it to loved ones They dont know a BETTER alternative exists

18. Case Study Cindy D. Holder Financial Goals: Transfer to Heirs Guaranteed Interest Access if needed $100,000 1-year CD Earns 0.82% (National Avg.) Does NOT put her money in the bank

19. How Long To Double Your Money? @ 4%= 18 years @ 3%= 24 years @ 2%= 36 years @ 1%= 72 years @ 0.50%= 144 years Cindys CD? 72/0.82 = 87.8 years to double her money. Shell be 152 Years Young!

20. Case Study Cindy D. Holder Puts Her Lazy Money Back to Work! $112,000Initial Contract Value $229,135Tax-free death benefit $3,145Monthly Chronic Illness $5,243Monthly Nursing Home $100,000Immediate Surrender Value

21. Its Time For Your Money To Get A Job Earning Interest Earn Bonus Interest Today! Earn safe & guaranteed interest Earn potential additional interest Buys Stuff You Need A tax-free legacy Chronic illness protection Cover Long-Term Care costs Money Back guarantee if you are not completely Satisfied!

22. Understanding the Wealthy Familys Secrets Putting Lazy Money Back to Work