AMERICA IS THE LAND OF MISSED OPPORTUNITY.
BUT YOU CAN BEAT THE ODDS.
Seminar Agenda
1
cuts." ❑
UJA Press Service
limited partnerships and find out how each works. Whether you earn $20,000
or $200,000 per year, this will be an enlightening education. You'll hear
about proven money management tools that will help you, right now. You
won't hear any get-rich-quick schemes or get a sales pitch for another more
expensive seminar.
You'll enjoy the seminar
You'll find the seminar enjoyable and entertaining. Your financial growth
is an exciting subject. This is not a seminar on budgeting or forced savings
plans. We want to help you accumulate wealth and enjoy life more by putting
your available money to best use. Over 1,000,000 Americans have attended
this seminar. You'll learn which investments are the best in stock market
conditions. You'll discover great opportunities that are available even when
the stock market is down. You'll learn to position your dollars for growth in
an up- and-down economy, periods of high or low inflation and when interest
rates are up or down.
The seminar is easy to understand
The seminar is presented with an easily understood, non-technical lan-
guage. There's plenty of time for questions and answers, so you can ask spe-
cific questions and have them answered by an expert.
You can learn how to make maximum use of your dollars at the next
Successful Money Management Seminar. You'll work 90,000 hours before
you retire. Now ten-and-a-half hours can make it all worthwhile. Your satis-
faction is guaranteed. Space is limited, call or send your registration.
Session I
Municipal Bonds-Tax free income
Session 3
Your Foundation
Financial Independence
Introduction to mutual funds
Retirement Planning
Why Everyone Needs Financial Planning
Your personal financial plan-The key to
your success
Six Main Objectives of Financial
Session 2
Individual Retirement Accounts (I.R.A.)
Keogh plans (Profit Sharing Plans)
401 (k) plans
Putting Your Dollars to Work—Part H
Planning
Equity Investments
Reallocating Your Income
The Success Trianglen4
Your tax bracket—how it affects your
financial plan
Become financially independent; The
Mutual funds
Putting Your Dollars to Work — Part I
Cash Reserves
Money market funds
Corporate Bonds
What you must know about life insurance
Tangible Assets
Retirement Planning
Term, whole life, universal life
Variable life
Single premium life
eighth wonder of the world-corn-
pound interest
The effects of inflation
Annuities
Risk Management
Enhancing your pension benefits with life
DON'T MISS OUT
LEARN NOW HOW TO PUT
YOUR MONEY TO WORK!
CALL
MONEY MANAGEMENT
SEMINARS
For The Nearest Seminar & Dates
insurance
Estate Planning
1-800-723-6287 Ext. 101
Read what others say
about our helpful seminars:
"Really enjoyed it. Very pleased. Told several people
— am very glad a friend passed it on to me."
Objectives of estate planning
Understanding probate
Using trusts to reduce costs
Three ways to avoid shrinkage
What you will receive
at your seminar:
1. Informative Instruction - Three sessions are taught in
an easy-to-understand, and enjoyable classroom setting.
Very informative - a lot of data, information and
investing ideas ..."
2. Seminar Workbook-Contains over 118 pages of practi-
cal information. It is a valuable reference tool after the
seminar.
"We learned some things we had always wondered
about but never took the time to learn."
3. Personal Financial Data Form and Tape - Gives you
step-by-step instruction for developing a written summa-
ry of your finances.
"Very thought provoking seminar. Time well spent.
Should have done this years ago."
4. Optional - You are entitled to a planning consultation
after the conclusion of the. seminar.
Market Fact
T
sh News has Oakland County's most upscale, desirable audience.
he Jewish
Median Income
College Graduate +
Professional/Managerial
Occupation
Own Stocks & Bonds
Have Investment Property
The Jewish News
Oakland County
$68,000
57%
66%
$41,730
24%
28%
60%
25%
22%
11%
Sources: Scarborough Jewish News Study; Standard Rate and Data Service.
THE JEWISH NEWS
Cf,
C)
CS)
FEBRUA R Y
Annual and Operation Ex-
odus Campaigns.
Like many of his Soviet
counterparts, Mr. Vinitsky is
learning new skills while ad-
justing to upscale client
demands. He explains that
his government-owned Soviet
barber shop was lackluster in
work incentives. With a
smile, he admits that the
tedium was occasionally
broken by those offering
bribes to avoid waiting hours
in line.
) Endless lines, scanty food
supplies and restrained ex-
pression all mark Mr. Vinit-
sky's memories of the Soviet
Union. He says, "I think that
people in the West take their
freedom for granted. To be
able to express myself profes-
sionally and to be able to
openly admit my religion, are
my first tastes of freedom."
"In the Soviet Union, I even
used to work on Yom Kippur,"
Mr. Vinitsky recalls. "Before
Gorbachev it would have been
dangerous to show any sen-
timental feeling toward
Judaism." He • continues,
"Now I won't have to work on
Shabbat or on the Jewish
holidays and I can spend
these days with my wife and
children."
Although the majority of
Mr. Vinitsky's classmates
were hairdressers in the
Soviet Union, several are
newcomers to the profession
including a 45-year-old
former secretary and mother
of three as well as Assan
Yacob from Tashkent, the
youngest member of the class.
Yacob, who arrived in Israel
last year with his parents and
three younger brothers, has
opted for learning a trade
before beginning his com-
pulsory army service.
Mustachioed and with
swarthy good looks, Mr. Yacob
says that his family's absorp-
tion has gone surprisingly
smoothly. Both of his parents
are employed in factories and
7
the family plans on buying a
small apartment in Ramla.
He says, "For me, the only
hard part was leaving behind
friends in the Soviet Union."
Hopefully, employment op-
portunities will help ease the
void left by friends. Both Mr.
Vinitsky and Mr. Yacob may
have grasped some of the
elementaries of capitalism
when they guessed that
hairstyling could offer stable
incomes. As hairdressing in-
spector Ya'acov Ben Yehuda
points out, "Hundreds of
thousands of new immigrants
mean hundreds of thousands
of more heads that need hair-
In three exciting sessions, the Successful Money Management Seminar
introduces you to the key concepts and practices of wise money manage-
ment. You'll learn how to minimize your taxes, maximize your investment
returns, and provide a secure future for your family.
This seminar is designed for all individuals and couples who want to
make maximum use of every before-tax and after-tax dollar. No matter
how much you have or earn, the principles of financial planning apply to
you. The knowledge you gain in this seminar will benefit you for the rest of
your life.
You'll learn how you can invest small amounts to start building financial
freedom. You'll learn why you don't have to be a "big" investor to make
your money work for you. You'll also learn how to best prepare for the
financial challenges of disability, your children's college education, and early
retirement. And you'll discover how to save money on taxes and insurance.
The seminar is purely educational
While many financial planning seminars try to sell you something you
don't want, we teach you about all types of investments so you can make
informed choices. This seminar is not like the many quickie, free seminars
which inevitably end up with a hard sell of one particular product (whether
the product is appropriate for you or not). At Successful Money Management
Seminars, we aren't trying to sell any specific investments. Our goal is to pro-
vide you with a broad education on the fundamentals of financial planning.
You'll learn about various types of investments such as mutual funds and
1121