1. Personal Management Troop 1054 Mr. Schroeder, Scoutmaster

2. Savings VS Investing Savings: Money that a person accumulates and saves and is considered part of a person's assets. –For sure bet Investing: Putting money into securities like stocks, bonds, or mutual funds with the hope that it will grow in value. –Gamble

3. Interest Simple Interest Compound Interest

4. Common Stock These are securities that represent equity ownership in a company. Common shares let an investor vote on such matters as the election of directors. They also give the holder a share in a company's profits via dividend payments or the capital appreciation of the security. Used in the context of general equities.) units of ownership of a public corporation with junior status to the claims of secured/unsecured creditors, bond and preferred shareholders in the event of liquidation.equityCommon sharesinvestordividend security

5. Stocks Excite money and investing Yahoo Investing Stock Market Resources

6. Mutual Funds A mutual fund is a company that pools the money of many investors -- its shareholders -- to invest in a variety of different securities. There are many different types of mutual funds http://www.mfea.com/

7. Certificate of Deposit A savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified interest rate, and can be issued in any denomination. CDs are generally issued by commercial banks. interest rate

8. CDs continued 15 months – 10,000 3.25% 24 months – 5,000 3.15% 36 months – 5,000 3.65% Other stipluations

9. US Savings Bonds I Bond - 3.67 EE Bond - 3.25 Patriot Bond – 3.25 5 year maturity

10. Savings Account Current percentage -.65 quarterly –No minimum Money Market – –.2% 1,000 or less –2.2% more than 1,000

11. Life Insurance This is life insurance that remains in force during the life of the insured, provided premiums are paid as specified in the policy. Whole life builds a cash value as a result of the level premium approach to funding the death benefit.