Contact Info

333 Washington Ave N
Ste 300
Minneapolis, MN 55401
Phone: (612) 387-1226
EMAIL


Additional Pages
Services
St. Thomas Money Talks
Community
Current Personal Finance Education
  • Change the thought Process of personal finance
  1. When you hear personal finance what do you think of?
  2. Where do you get your financial questions answered?
  • Typical student case Study
  1. How much debt & approximate income
  2. avoiding big expenses when starting to make money

Financial Language/Terms
  • Net Worth, Cash Flow, time-value of money, compounding interest, Inflation, tax
    deduction, Tax Deferred Growth, Mutual Fund, Diversification, Liquidity, Etc.

Benchmarking - Budget vs. Cash Flow (spending less then you earn; building wealth)
  • create good spending habits
  1. identify where your money is going and set goals
  2. track your cash flows to maintain path to goal
  • Spreadsheet:
  1. Why Budget? (can you afford your life)
  2. How People Budget? Purpose of Budget?
  • Guidelines/Benchmarking
  • Goals - (Short Term next 1-2 years, Medium Term 2-10 years, Long Term 10+ years)

Debt Management (know your personal net worth)
  • Bank vs. Personal bank
  1. How banks make money, Borrowing money the right way
  • Planning for a House
  1. Renting vs. Owning (spreadsheets)
  • Planning for a Car
  1. Total cost of owning a car (spreadsheets)
  • Planning for Kids
  1. Cost of raising a child (spreadsheets)
  • Planning on Moving
  1. Total Cost of Moving (Spreadsheets)
  • planning for a wedding
  • School loans
  1. 6 month deferral option, Low interest rates, interest paid typically tax deductible
  • Credit card debt
  1. Total Cost of Borrowing, is it worth it? &
  2. paying off debt vs. Saving (have an emergency fund)

Tools – (how to equate your personal finance position)
  • Cash Flow spreadsheet
  • CM3 Score - (Lifetime Earnings/Net Worth) = Wealth Score
  • Mint.com
  • QuickBooks

Asset Development/Investing (make money work for you)
  • Compounding Interest
  • Time Value of Money - (Is a dollar today worth more than a dollar tomorrow)
  • Taxes and Inflation
  1. Beating Inflation & Protecting against taxes
  • Average Returns vs. Actual Returns
  1. Not what you average but how you got there
  • Dollar Cost Average
  1. Investing the same dollar amount over a specific time frame

Investments
  • Different types of Investments
  • Different Investment Vehicles
  • Social Security
  • Economics and how it affects your investments
  • Valuating potential investments

Insurance (be prepared for the unexpected)
  • You work hard to build a financial foundation, protect it
  • Financial Planning Pyramid
  • Income Protection
  • Asset Protection
Income vs. Wealth

We Educate, Empower & Equate an individual’s ability to handle
their financial future
Capital Movement Core Curriculum