1. Presented By: February 21, 2009 Mark Lamkin, MBA, RFC, CEO “Job Jam” Securities offered through LPL Financial, Member FINRA/SIPC

2.  3.6 million people have lost their job over the last year…  Everyone has been there at some point in their life! Securities offered through LPL Financial, Member FINRA/SIPC

3.  You can receive up to $363 per week for 26 weeks.  Stimulus plan should extend additional 7 weeks.  You may file online to speed up process. Securities offered through LPL Financial, Member FINRA/SIPC

4.  Review the package (at least overnight).  Understand the tax consequences.  After receiving money, lump sum payoffs of debt are not always the right thing to do. Securities offered through LPL Financial, Member FINRA/SIPC

5.  Don’t get emotional and burn bridges.  Seek a positive referral letter from your past employer.  Understand what’s available- Employee Handbook.  Seek unused vacation time and unused sick days. Securities offered through LPL Financial, Member FINRA/SIPC

6.  Balance Sheet  Spending Plan  Credit/creditor sheet  Creditor letter  Credit Counseling @ a non-profit credit counseling center.  The National Foundation for Credit Counseling 1-800-388-2227 Securities offered through LPL Financial, Member FINRA/SIPC

7.  Taxes and Penalties.  Hardship withdrawal.  Why it is not a good idea!  Take it with you to maintain control. Securities offered through LPL Financial, Member FINRA/SIPC

8.  Can you negotiate with your employer to keep you on the plan?  Can you be placed on your spouses health insurance?  Review COBRA and the costs.  Federal Health Care Coverage Tax Credit.  Ky’s insurance pool for high risk individuals. Securities offered through LPL Financial, Member FINRA/SIPC

9.  Millions pay credit card late fees every month  $39 per month. Annual  $234  ATM Charges…stay in the network! Annual Savings  $100.00  Research and Get FREE Checking  Annual Savings $150.00  Use Cash back or Rebate Credit cards  Annual Savings (income)$250.00  Get Overdraft Protection. Fees have crept to $30 per month  $150.00 Securities offered through LPL Financial, Member FINRA/SIPC

10.  Life Insurance costs have dropped! Possible Annual Savings  $300  Switch Grocery Stores- Costco (money magazine)  $1,700  Drop the Starbucks!  $130  Raise limits and boosts deductibles  $650  Save on generic meds!  $800 (Source: Kiplinger’s “Save $50 per Day”) Securities offered through LPL Financial, Member FINRA/SIPC