College Funding
Resources

Pension Benefit Guaranty Corporation 
US Department of Labor 
US Department of Labor-FAQs 
U.S. Department of Health & Human Services 
Social Security 
United States Department of Veterans Affairs 
U.S. Office of Personnel Management 

 IRS Publication 970
CBS
ABC
Types of Plans 
IRS Video Portal 
Help with Choosing a Retirement Plan  

The Sacramento Bee 
The Los Angeles Times 
Nation Public Radio 
USA Today 
North County Times 
The Actuarial Foundation 
 Helpful Links
USA. Gov
FAFSA Help 
My Money
Social Security Advisory Board
OPM.gov
Social Security: Retirement  
Safe Money Millionaire 
Bank On Yourself 
Tax Free Retirement 
The Better Money Method 
Becoming Your Own Banker 
Parlay Your IRA into a Family Fortune 
The Retirement Savings Time Bomb 
The Actuarial Foundation-Retirement 
The Actuarial Foundation-Don't Run 

•The Rule of 72

Need an easy way to determine how long it will take to double your returns?
Simply divide the number 72 by your projected growth rate.
So, if your returns are increasing by 10% per year, it will take 7.2 years for them to double in size.

•The Rule of 70

So, if your returns are increasing by 10% per year it will take 11.5 years for them to triple in size. The rule of 70 dictates how long it will take for inflation to halve the value of a dollar. Simply divide by your expected rate of inflation. For Example, if you expect 3% inflation, then divide 70 by 3. At that rate, it will take 23.3 years before the value of your money is worth half of what it is today.

•Converting you salary to a hourly figure

You're salaried employee and trying to figure out how much that wage earns you an hour, maybe for that part time job you're considering taking on. Take your salary, drop the last three zeros and then divid by the number two. So if you earn $40,000, you're left with $20 an hour. Numbers work best if you're only working a 40 hour week.

•Two Quick Calculation Formulas

There are two quick formulas that can be used to make an estimation of a life insurance need. When Calculating a clients insurance needs, accuarcy and individual goals should always be the basis of any recommendations that the advisor makes. Practicality, though, will dictate occasions where on the scene projections are necessary to open the more thoughtful discussion with the client that will lead to the correct sale. Try these formulas:
1.10 x gross income
2.5 x gross income + mortgage + debts (+final expenses + college fund) * ** The Expenses in parenthese give some room to individualize the rough calculation. These could include the mortgage on a second home or anything that might be important to the client.

•You had Better Be Running

"Every morning in Africa a gazelle wakes up. It knows it must run faster than the fastest lion of it will be killed. Every morning a lion wakes up. it knows it must outrun the slowest gazelle of it will starve to death. It doesn't matter whether you are lion or a gazelle- when the sun comes up, you had better be running."
Retirement Statistics
Graphic Presentation of Federal Civilian Employment 
Federal Human Resources Data 
Find Your Retirement Age 
Do you Have Enough Life Insurance? 
The Not So Nuclear Family 
Facts of Life - Picture 1 
Facts Of Life - Picture 2 
Facts Of Life - Picture 3 
Facts of Life - Picture 4