Personal Finance Education Live

Common SensePersonal Finance EducationLife Changing Information Delivered Live over the InternetDirected Dollars Publishing CompanyEmail: [email protected] address: www.webinarswithprofessorbill.comPhone number: Request by email

We are committed to proving financial education that will save youhundreds or even thousands of dollars. Our only product is education. Ourwebinars are live, inexpensive, and interactive and on line. You canparticipate from the comfort of your home.Webinar Area Our webinars focus on three differentMoney Math - TVM M areas: Consumption, Investing and MoneyFinancial Products C Math. The consumption webinars are allDebt Management C about getting the best bang for your hard-Credit management C earned dollars. Investing webinars focusHome Ownership C on by-passing the middleman and enjoyingInvesting I the rewards associated with a littleChildren’s Education I measured risk taking.Retirement Planning ITVM - Calculator M *Financial Products: Ins Banks GovThanks to you, billions are invested by all of the above and their returnsare enormous. The problem – they don’t share their returns with us. Theywon’t even compensate us for inflation. This webinar is all about how tominimize our exposure to their products. It’s time to stop playing theMoney Game. Follow our lead and you will greatly reduce your use of theirproducts, saving a lot of mney. *Debt Management $49.95Imagine an extra $800 to $2,000 plus coming to you each and every month– get out of debt. This webinar is all about getting out and staying out ofdebt. Find out how easy it is to spend $300 for a $100 pair of shoes. Wehave the education and the tools to put you on a path to become debtfree. *Credit Management $49.95A higher credit score could save you a lot of money and grief. It could beyour fault or somebody else’s. If it is yours, we have tips to improve it. Ifnot, we really ways to get them to fix it. Well worth the price. *Home Ownership $59.95If you are renting, you could be in a new home and not spend any moremoney. This webinar begins with a presentation of the pros and cons ofhomeownership. You will see a unique approach to calculating homeequity. The highlight of this webinar is a calculator that determineshow much home you can afford based on your current rent payment.We close by evaluating different ways to accelerate a mortgage. Andbefore that we help you determine if refinancing is cost-effective foryou.

*Investing $49.95$150 a month for 15 years in a saving account at 1% will yield less than30, 000. (9% = $53,000) You, too, can get large returns and becomfortable with the risk. This webinar begins with an in depthpresentation of the Risk/Return relationship. We will examine at leastone risk reduction technique. After reviewing different types ofsecurities, we will select one type that bests our needs. Using a matrixdeveloped by Morningstar, we will match goals with various securitiesof this type. Our final focus will be on the development of strategiesfor accumulation and distribution. *Education Planning $59.95Estimating the costs of college several years into the future and calculatingthe payment required to meet that cost can be rather taxing. We will giveyou a calculator that makes this task a lot easier. Plus, we will reviewvarious accumulation strategies such as the 529 plan, the Coverdell ESA anda little known secret. We will also evaluate the Gerbil plan. And finally, wewill take a look at the cost of waiting. • Retirement Planning $59.95Goal: to retire with dignity and not run out of money. Three majorchallenges exist in retirement planning: 1. how much will we need, 2. Willmy current balances meet my need or will there be a short fall, and 3. ifthere is a short fall, what are my options. To determine how much you willneed at retirement out spreadsheet will consider your pension, SS, andseveral other factors. Next the spreadsheet will ask for your currentbalance in your retirement account plus your current contributions todetermine the short fall. To meet the short fall you have several optionsbased on increasing your allotment and undertaking more risk. Fascinating!We close the webinar by looking at various distribution options includingthe dreaded life annuity. *Money Math – TVM Free or $59.95We first explain what the Time Value of Money is. It is the mathematicsused for both personal and corporate finance. We will show you to take aword personal finance problem and transition it to a labeled time line.Once this is done we can feed the label information to a calculator,spreadsheet of a computer program. Fascinating. We also show how TVM isused in each of the webinars. This webinar without the calculator is free.If you want to actually solve real life problems, sign up for TVM – WithCalculator. Of course you will need a calculator (TI BAII Plus)

William W. Keating, Jr. A.K.A. Professor Bill is the founderand author of “Webinars with Professor Bill”. Professor Billhas always had a passion for personal finance and he considershimself a consumer advocate. He has held Life and HealthInsurance licensees as well as series 6, 26 and 63 securitieslicensees. He has also developed and delivered countlessworkshops and seminars to churches, civic organizations, thefederal government and private industry.He is also the author the book Leveraged to the Hilt? This is abook about getting out of and staying out of debt. The book isunique in that attached is a CD that contains a variety ofsoftware programs that do the math associated with managingpersonal debt. There is even a program that will develop apersonalized plan to become debt-free.Professor Bill is semi-retired and for 15 years he was anadjunct faculty member at Johns Hopkins University/CareyBusiness School. He taught several courses in Finance andManagement in the MBA program.Before retirement he was VP of Special Projects at Social andHealth Services in Rockville, MD. Before becoming anentrepreneur, Bill spent over 23 years with AT&T/W.E.Co andretired from there as a senior manager.He is a graduate of Johns Hopkins University and received hisMBA from the University of Chicago. Bill loves golf and readingand has two hole-in-ones and a 300 bowling game.For current prices and further detail, please visit our website: www.webinarswithprofessorbill.com