John-Paul ValdezFinancial Expert

Fighting Financial Flab in 2013Recommendations for the perfect financial shape!

Introduction

Who is John-Paul Valdez?

Did you make a New Year’s resolution to cut spending and shape up your savings?

That’s why you may be joining us for “Fighting Financial Flab: How to Put Your Money to Work for You in 2013” and beyond.

In fact, let’s put your money to work for you always, for you and for everything you care about. I like starting resolutions on a day like today, and not Jan 1.

Why?

Invest In Yourself

Build your savings and investments

Spend less save more• Spending less and saving more, how's that workin’ for

ya?• Tiny contributions over unrealistic ones. • Avoid overly lofty goals to assure success.• Long term easy over short term unfinished.

Emergency funds • An emergency fund is six months of ALL your expenses…

HOWEVER (pay one cycle ahead).

Invest In Yourself

Budgets IRA or other tax deferred by force. Matching always by maximum. Having a strict budget may

not work for you. Build some general guidelines.

Invest In Yourself

Budgets One-third to one-fourth in housing. (Even as an investment). NEVER get greedy. Realize profits especially if they qualify

for lower capital gains taxes. Reality check on being over weighted in a given area. Pick Dividend stocks for now. Chase consumer advocacy via internet YELP, BBB, etc.

Try JustAnswer.com and Pearl.com

Financial Fitness – Other FactorsCurrent Tax laws and Historically Low Interest rates. 

How to behave and why.

House and car.

Refinance, Modify, Short Sale, Bankruptcy.

Good debt and bad debt.

Don’t Supersize Your Student LoanUnderstanding Student Loans.

Don't get them. Get government loans on not-for-profit schools. Non-government low interest rate loans on

not-for-profit schools. Scholarships, grants, work study programs,

part time work, teaching assistance, internships, tuition waivers

Government loans for-profit schools Low interest rate loans in for-profit schools.

The Future of Education?

Massive Open Online Courses• World Education University• Now enrolling online• No student tuition – it’s free!

www.TheWEU.com

Questions & Answers

You can always contact me at Pearl.com or JustAnswer.com using my site ID: “Your Money Now”

John-Paul ValdezFinancial ExpertEconomistConsumer Advocate