fund your future 2012-2013

Upload: aehsgo2college

Post on 04-Apr-2018

217 views

Category:

Documents


0 download

TRANSCRIPT

  • 7/30/2019 Fund Your Future 2012-2013

    1/40

  • 7/30/2019 Fund Your Future 2012-2013

    2/40

    Aihpghpq

    Pbg 0==

    = Piv =6 pbnhkq ~iw dwqp `i pi }wmcn~i| diqp g`g|mc mh` qpmpg qpw`ghp mn`

    = P~vgq i hmhanmc mn`

    < Wqgwc {glqnpgq

    Enhmhanmc mn` |id Amcni|hnm aiccgkgq

    ;5

    Lmabgci|q `gk|gg

    0(6'$55#=00

    Dmqpg|q `gk|gg

  • 7/30/2019 Fund Your Future 2012-2013

    3/40

    ]wmcn~nhk i| hmhanmc mn`Piv =6 pbnhkq ~iw dwqp `i pi }wmn~ i|diqp g`g|m mh` qpmpg qpw`ghp mn`:

    = Qwldnp pbg E|gg Mvvnampnih i| Eg`g|m Qpw`ghp Mn`#i| EMEQM( ^iw mvvc~ i| diqp hmhanmc mn` l~

    aidvcgpnhk pbg EMEQM( Pbg gmqngqp mh` mqpgqp {m~ nq

    ihcnhg mp {{{(mqm(kiu( Ei| bgcv i| ipbg| EMEQM

    ivpnihq amcc =2660111(

    0 Bmug m bnkb qabii nvidm i| npq g}wnumcghp "KG@.#aidvcgpg m bnkb qabiic g`wampnih nh m qpmpgmvv|iug`

    bidgqabiic qgppnhk# i| vmqq ihg i pbg mlncnp~ pi

    lghgp pgqpq mvv|iug` l~ pbg W(Q( @gvm|pdghp i

    G`wampnih "i| g`g|mc mn`.(

    7 Lg m W(Q( anpnzgh# vg|dmhghp |gqn`ghp i| ipbg| gcnknlcghihanpnzgh(

    5 Lg m |gqn`ghp i pbg qpmpg "i| diqp qpmpg mn`.(;Gh|i nh mh gnknlg `gk|gg i| ag|pnampg v|ik|md( 2 Dmnhpmnh qmpnqmapi|~ mam`gdna v|ik|gqq "QMV. mq

    `gpg|dnhg` l~ ~iw| aiccgkg( ^iw amh wqwmcc~ h` QMV

    nhi|dmpnih ih ~iw| qabiicq {glqnpg i| nh pbg aiw|qg

    ampmcik(

    > Bmug m Qianm Qgaw|np~ hwdlg|? unqnp {{{(qqm(kiu(

    =6 \gknqpg| {npb pbg W(Q( Qggapnug Qg|unag "dmcgq mkg=2

  • 7/30/2019 Fund Your Future 2012-2013

    4/40

    P b g 0 = =

    Lmqna qpgvq pi hmhanmc mn` i|bnkb qabiic qpw`ghpq mh`

    pbgn| mdncngq=V|gvm|g i| aigkg [bgh Vmkg

    Pbg |qp pbnhk ~iw mh` ~iw| mdnc~ qbiwc` `i

    pi v|gvm|g nq qpm|p qmunhk dihg~ i| aiccgkg(

    Pbg|g m|g dmh~ {m~q pi bgcv kgp qpm|pg`# mh`

    pmr lghgpq amh dgmh kgppnhk qidg i ~iw|

    g`wampnih nhugqpdghp lmao cmpg|(

    ^gm|

    |iwh`

  • 7/30/2019 Fund Your Future 2012-2013

    5/40

    Lg qw|g ~iw "mh`)i| ~iw| vm|ghpq. cg ~iw|

    pmrgq gm|c~? np bgcvq {bgh ccnhk iwp pbg

    EMEQM "pmrgq amh lg gqpndmpg` lwp dwqp lg

    ug|ng` cmpg|.(

    Jmh

    Egl

    5

    Mvvc~ gm|c~ pi kgp pbg diqp hmhanmc mn`npq

    wqwmcc~ `nqp|nlwpg` ih m |qpaidg# |qp

    qg|ug` lmqnq( ^iw `ihp bmug pi vm~ pi mvvc~

    i| hmhanmc mn`? pbg EMEQM nq |gg? unqnp

    {{{(mqm(kiu(

    Jmh

    Egl

    =# 2>

    Qwldnp m EMEQM ih i| mpg| Jmhwm|~ =( @ga Egl

    =# 2>

    Mvvc~ i| m Amc K|mhp hi cmpg| pbmh Dm|ab

  • 7/30/2019 Fund Your Future 2012-2013

    6/40

    P b g 0 = =

    Dmji| hmhanmc mn` v|ik|mdqK|mhpq"Hgg`lmqg` hmhanmc mn` pbmp `igqhp bmug pi lg |gvmn`.

    Vmd gnnlnnp }ndp Mm mm` v p((( Mvvnmpn m`n d }n` D ndmpn

    am kmp M Wh`g|k|m`wmpgq $=

  • 7/30/2019 Fund Your Future 2012-2013

    7/40

    Ipbg| Amni|hnm mn` v|ik|mdq

    Vmd gnnlnnp }ndp Mm mm` v p((( b p mvv ip }ndp d ndmpn

    amnnm am kmp ^iw m|g i| {g|g nhiqpg| am|g lgp{gghmkgq =5=2

    @gdihqp|mpg ehmhanmchgg`

    Hip ~gp mkg

  • 7/30/2019 Fund Your Future 2012-2013

    8/40

    {{{(magliio(aid)amqbi|aiccgkgamcni|hnm

    M V V c ~ N h k i | N h M h a N M c M N @

    = Aiccgap ~iw| nhi|dmpnih

    ~^iw| Qianm Qgaw|np~ hwdlg|( ^iwcc hgg` np pi mvvc~ i|

    diqp g`g|mc mh` qpmpg mn`( N ~iw `ihp bmug ihg# mvvc~ mp

    ~iw| ciamc viqp iag i| Qianmc Qgaw|np~ iag( N ~iw|g m

    `gvgh`ghp qpw`ghp# ~iwcc mcqi hgg` ~iw| vm|ghpq Qianmc

    Qgaw|np~ hwdlg|q( "N ~iw| vm|ghpq `ihp bmug Qianmc Qgaw|np~

    hwdlg|q# ghpg| mcc zg|iq {bgh mqog` i| pbgd ih pbg EMEQM(.

    Pi cgm|h di|g# ki pi {{{(qqm(kiu i| amcc =266;;

  • 7/30/2019 Fund Your Future 2012-2013

    9/40

    @ N ` p vun` vmp emnm ndmpn9^iw {ncc bmug pi qwvvc~ ~iw| vm|ghpq hmhanmc nhi|dmpnih ih pbg

    EMEQM whcgqq ihg i pbg icci{nhk qnpwmpnihq `gqa|nlgq ~iw:

    ~^iw {g|g li|h lgi|g Jmhwm|~ =# =>2>(

    ~^iw|g dm||ng` mq i pbg `mpg ~iw aidvcgpg pbg EMEQM(

    ~^iwcc lg {i|onhk ih m dmqpg|q# `iapi|mpg `gk|gg i| k|m`wmpg

    ag|pnampg nh pbg mcc i

  • 7/30/2019 Fund Your Future 2012-2013

    10/40

    {{{(magliio(aid)amqbi|aiccgkgamcni|hnm

    M V V c ~ N h k i | N h M h a N M c M N @

    1 Aidvcgpg pbg EMEQM ihcnhg

    Pbg qndvcgqp {m~ pi aidvcgpg pbg EMEQM nq ihcnhg mp

    {{{(mqm(kiu? npq gmq~# mqp mh` qgaw|g( "Ei| bgcv i| ipbg|

    EMEQM ivpnihq# amcc =2660111 v(d( mh` Qmpw|`m~q 5 m(d(1 v(d( Vmana Pndg#gragvp g`g|mc bicn`m~q.(

    vbihgAmcc pbg W(Q( @gvm|pdghp i G`wampnih mp =266

    0111 v(d( Vmana Pndg

    mh` grpgh`g` biw|q ih pbg {ggogh` "PP^ =266;162>=1.(

    Bnkb qabiic qghni|q {bi mppgh` m Amqb i| Aiccgkg {i|oqbiv

    dm~ }wmcn~ i| m $=#666 qabicm|qbnv(

    N ~iw|g dmncnhk pbg EMEQM i| mh~ ipbg| mvvcnampnih i|d# npq m kii` n`gm pi kgp m Ag|pnampg i Dmncnhk |id pbg viqp iag "$=(=7 nh

    m``npnih pi viqpmkg. mq v|ii ~iw dgp pbg `gm`cnhg(

    http://www.facebook.com/cashforcollegecaliforniahttp://www.facebook.com/cashforcollegecaliforniahttp://www.facebook.com/cashforcollegecalifornia
  • 7/30/2019 Fund Your Future 2012-2013

    11/40

    ~ p mpp`m "aiM.Gmab aiccgkg bmq npq i{h qpw`ghp lw`kgp i| aiqp i mppgh`mhag

    "AIM.# {bnab nhacw`gq pwnpnih# ggq# liioq# qwvvcngq# biwqnhk# ii`#

    p|mhqvi|pmpnih mh` vg|qihmc grvghqgq i| pbg qabiic ~gm|( Np dm~ mcqi

    nhacw`g dihg~ i| m aidvwpg|(

    ^iw| AIM {ncc um|~ `gvgh`nhk ih {bg|g ~iw cnug "{npb ~iw| vm|ghpq#

    ih i| i amdvwq.# ~iw| mam`gdna dmji| mh` pbg aiccgkg ~iw mppgh`(

    N ~iw bmug abnc`|gh i| ipbg| `gvgh`ghpq {bi |g}wn|g am|g {bncg ~iwki pi acmqq# ~iw| AIM dm~ mcqi nhacw`g pbgqg grvghqgq( N ~iw bmug m

    `nqmlncnp~# cgp ~iw| aiccgkgq hmhanmc mn` iag ohi{ mliwp mh~ |gcmpg`

    grvghqgq pbmp m|ghp mc|gm`~ aiug|g`(

    ~ rvp` mdn pnlpn "ga.^iw| grvgapg` mdnc~ aihp|nlwpnih "GEA.# nq pbg mdiwhp i dihg~ pbg

    kiug|hdghp amcawcmpgq ~iw mh` ~iw| mdnc~ aiwc` |gmqihmlc~ aihp|nlwpg

    pi{m|` ~iw| g`wampnih i| pbg qabiic ~gm|( Np nq amcawcmpg` wqnhk m

    g`g|mc i|dwcm pbmp gumcwmpgq pbg nhi|dmpnih ~iw v|iun`g ih ~iw|

    EMEQM( ^iw| GEA {ncc mvvgm| ih ~iw| Qpw`ghp Mn` \gvi|p "QM\.# {bnab

    ~iwcc |gagnug mpg| qwldnppnhk ~iw| EMEQM(

    Oggv nh dnh` pbmp ~iw| GEA dm~ i| dm~ hip lg pbg mapwmc mdiwhp ~iwgh` wv vm~nhk i| aiccgkg( Ei| grmdvcg# ~iw| aiccgkgq AIM nhacw`gq

    mapwmc aiqpq i| pwnpnih mh` ggq# lwp |gegapq mug|mkg aiqpq i| biwqnhk#

    ii`# p|mhqvi|pmpnih mh` vg|qihmc grvghqgq(

    ABMHKNHK QABIICQ9 N ~iwcc lg abmhknhk qabiicq# ~iw| hmhanmc mn` dm~ hip mwpidmpnamcc~ ki {npb ~iw# i| qpm~ pbg qmdg( Aihpmap ~iw| hg{

    qabiicq hmhanmc mn` iag pi cgm|h di|gmh` mqo mliwp gm`cnhgq( N ~iw n` hip v|guniwqc~ |gagnug m Amc K|mhp# ~iw qbiwc` qpncc mvvc~ i|

    ihg( Pi h` iwp n ~iw| Amc K|mhp i| Amcni|hnm Abmgg K|mhp m{m|` {ncc abmhkg mp ~iw| hg{ qabiic# ki pi{{{({lkmp0pw`p(k (

    bn nMppgh` m Amcni|hnm Amqb i| Aiccgkg {i|oqbiv nh Jmhwm|~ i|

    Egl|wm|~ pi kgp bgcv aidvcgpnhk ~iw| EMEQM( [i|oqbivq m|g

    bgc` mp bnkb qabiicq# aiccgkgq mh` aiddwhnp~ qnpgq ma|iqq pbg

    qpmpg mh` ipgh bmug qpm {bi qvgmo Qvmhnqb mh` ipbg|cmhkwmkgq# mh` v|iun`g nhi|dmpnih mliwp ML 706 nhqpmpg

    pwnpnih mqqnqpmhag "qgg ML 706 nhqpmpg pwnpnih i|

    wh`iawdghpg` qpw`ghpq ih vmkg

  • 7/30/2019 Fund Your Future 2012-2013

    12/40

    M V V c ~ N h k i | N h M h a N M c M N @

    0 Mvvc~ i| m Amc K|mhp

    Np pmogq p{i~iw|g |gqvihqnlcg i| qwldnppnhk lipb ~iw|

    EMEQM mh` ~iw| ug|ng` Amc K|mhp KVM l~ pbg Amc K|mhp

    mvvcnampnih gm`cnhg(

    P{i i|dq# p{i qpgvq

    =( Qwldnp pbg EMEQM mq qiih mq viqqnlcg ih i| mpg|Jmhwm|~ = mh` hi cmpg| pbmh pbg viqpdm|o "i|

    gcgap|ihnamcc~ p|mhqdnppg`. gm`cnhg i Dm|ab

  • 7/30/2019 Fund Your Future 2012-2013

    13/40

    amnnm pmp mn` m` dpn vmpnv[bgh gpg|dnhnhk gcnknlncnp~ i| qpmpg hmhanmc mn`# Amcni|hnm

    |gaikhnzgq idgqpna vm|phg|qbnvq# bi{gug|# pbg Eg`g|mc

    kiug|hdghp igq hip(

    Mpg| abgaonhk ~iw| Amcni|hnm Mn` \gvi|p# ki pi

    {{{(ama(am(ku)wl)d)kpYd)k1;(` pi

    aidvcgpg pbg \gknqpg|g` @idgqpna Vm|phg|qbnv \gvi|pnhk Ei|d

    qi pbmp pbg Amcni|hnm Qpw`ghp Mn` Aiddnqqnih amh w|pbg|

    gumcwmpg ~iw| gcnknlncnp~ i| Amcni|hnm qpmpg mn`(

    Ei| di|g ih |gknqpg|g` `idgqpna vm|phg|qbnvq# unqnp

    {{{((am(ku)`knp~(

    am kmp m

    ^iw| Amc K|mhp {ncc lg |ghg{g` mwpidmpnamcc~

    n ~iw aihpnhwg pi dggp pbg |g}wn|gdghpq#

    dmnhpmnh qmpnqmapi|~ mam`gdna v|ik|gqq "mq gpg|dnhg` l~~iw| aiccgkg. mh` aihpnhwg pi bmug `gdihqp|mpg` hmhanmc

    hgg`( ^iwcc bmug pi qwldnp pbg EMEQM gmab ~gm| lwp hip

    ~iw| KVM( Pbg amdvwq ~iwcc lg mppgh`nhk {ncc gumcwmpg ~iw|

    gcnknlncnp~# qi lg qw|g pi cnqp pbmp aiccgkg ih ~iw| EMEQM (

    qPw@ghPq Wh`g| Qghmpg Lncc "QL. ;6# qpw`ghpq |ghg{nhk

    pbgn| Amc K|mhp m{m|` hi{ bmug pi dggp dmrndwd nhaidg

    mh` mqqgp agncnhkq( V|guniwqc~# qpw`ghpq ihc~ bm` pi dggp pbg

    dmrndwd agncnhkq {bgh |qp ghpg|nhk pbg v|ik|md( Hi{ qidg

    qpw`ghpq dm~ mnc pi dggp pbg nhaidg mh` mqqgp dmrndwdq

    mh` hip lg mlcg pi |ghg{ pbgn| m{m|` mpg| pbg |qp ~gm|(

    qabiicq Vm|pnanvmpnhk Amc K|mhp nhqpnpwpnihq {npb di|g

    pbmh 06 vg|aghp i pbgn| wh`g|k|m`wmpg gh|iccdghp li||i{nhk

    g`g|mc qpw`ghp cimhq m|g |g}wn|g` pi bmug m pb|gg~gm| aibi|p

    `gmwcp |mpg i cgqq pbmh 16 vg|aghp pi lg gcnknlcg i| hg{

    mh` |ghg{mc Amc K|mhp m{m|`q nh pbg

  • 7/30/2019 Fund Your Future 2012-2013

    14/40

    M V V c ~ N h k i | N h M h a N M c M N @

    7 Qwldnp mh~ ipbg| mvvcnampnihq

    Qidg aiccgkgq wqg pbg EMEQM mq {gcc mq m``npnihmc

    mvvcnampnihq# qwab mq pbg AQQ)Enhmhanmc Mn` V\IENCG# pi

    m{m|` pbgn| v|numpg hmhanmc mn` `iccm|q( Whcnog pbg EMEQM# pbg

    V\IENCG aiqpq dihg~ pi qwldnp mh` nq ihc~ mumncmlcg mp

    bppv:))v|iecgihcnhg(aiccgkglim|`(i|k (

    Mqo pbg hmhanmc mn` iag i gmab aiccgkg ~iw|g aihqn`g|nhk

    {bmp i|dq m|g |g}wn|g` pi mvvc~ i| hmhanmc mn`( Mcqi# mqo

    mliwp `gm`cnhgq mh` {bgpbg| m `gm`cnhg nq pbg viqpdm|o "i|gcgap|ihnamcc~ p|mhqdnppg`. mpg i| pbg |gagnug` mpg( @ihp

    i|kgp pbmp ~iw| Amc K|mhp KVM nq `wg Dm|ab < n ~iw {mhp pi

    lg aihqn`g|g` i| m Amc K|mhp(

    Qidg qpmpg mn` v|ik|mdq |g}wn|g pbgn| i{h mvvcnampnih i|dq

    mq {gcc mq pbg EMEQM(

    5 \gung{ ~iw| Qpw`ghp Mn` \gvi|p"QM\.

    N ~iw qwldnp ~iw| EMEQM ihcnhg mh` v|iun`g mcc pbg |g}wn|g`

    gqnkhmpw|gq mh` mh gdmnc m``|gqq# ~iwcc wqwmcc~ |gagnug

    ~iw| QM\ {npbnh ;< biw|q( Pi ghqw|g ~iw |gagnug pbg gdmnc#`gqnkhmpg pbg icci{nhk gdmnc m``|gqq mq qmg:

    avqhipn~Favqgdmnc(g`(kiu( N ~iw qwldnp pbg vmvg| EMEQM# np

    aiwc` pmog wv pi p{i {ggoq pi |gagnug ~iw| QM\(

    Pbg QM\ aihpmnhq pbg nhi|dmpnih ~iw v|iun`g` ih pbg

    EMEQM mh` cnqpq ~iw| grvgapg` mdnc~ aihp|nlwpnih# i| GEA#

    i| pbg qabiic ~gm|( Ciio i| pbnq hwdlg| hgrp pi GEA mp

    pbg piv i ~iw| QM\pbg|g {ihp lg m `iccm| qnkh( N pbg|g m|g

    mh~ hwdlg|q mpg| pbg GEA# gugh zg|iq# pbgh ~iw| GEA {mq

    amcawcmpg`( Mh GEA i 6

  • 7/30/2019 Fund Your Future 2012-2013

    15/40

    QM\ mh` AM\

    N ~iw qwldnppg` lipb ~iw| EMEQM mh` ~iw| ug|ng` Amc K|mhp KVM l~ pbg Dm|ab < `gm`cnhg lwp `ihp |gagnug m hipnampnih mliwp ~iw| AM\ l~

    Mv|nc 16# i| n ~iw bmug }wgqpnihq# ki pi{{{({lkmp0pw`p(k # gdmnc qpw`ghpqwvvi|pFaqma(am(kiu i| amcc =222

  • 7/30/2019 Fund Your Future 2012-2013

    16/40

    M V V c ~ N h k i | N h M h a N M c M N @

    nmnm mn` : ]pn p m dvmn

    ~ [bmp `gm`cnhgq qbiwc` ~iw lg m{m|g i9

    ~ [bmp nq pbg aiccgkgq hgp v|nagpbg AIM dnhwq ~iw|

    hmhanmc mn`9

    ~ @i ~iw bmug mh~ qvganmc an|awdqpmhagq qwab mq jil ciqq i|

    abmhkg nh mdnc~ an|awdqpmhagq9 N qi# cgp pbg hmhanmc mn`iag ohi{(

    ~ Bi{ dwab bmug aiqpq nha|gmqg` nh gmab i pbg cmqp

    pb|gg ~gm|q9

    ~ @igq pbg aiccgkg ig| m vm~dghp vcmh pbmp {ncc cgp ~iw

    qv|gm` ~iw| vm~dghpq iug| pbg qabiic ~gm|9

    ~ Bi{ dwab i pbg mn` nq k|mhpq mh` qabicm|qbnvq9 M|g pbg~

    |ghg{mlcg gmab ~gm|9 [ncc pbg `iccm| mdiwhp nha|gmqg n ~iw|

    pwnpnih i| ipbg| aiqpq ki wv9 M|g pbg|g qvgana pg|dq mh`

    aih`npnihq i| |ghg{mc9

    ~M|g qabicm|qbnvq mumncmlcg9 N qi# bi{ `i ~iw mvvc~9 [bmp

    mliwp ipbg| hgg`lmqg` mn`9

    ~ N ~iw|g ig|g` {i|oqpw`~ i| qpw`ghp gdvci~dghp# bi{dmh~ biw|q {ncc ~iw hgg` pi {i|o gmab {ggo9 [bmp nq pbg

    biw|c~ vm~ |mpg mh` pbg mumncmlncnp~ i jilq9 M |g pbg|g jilq

    |gcmpg` pi ~iw| dmji| i| am|gg| kimc9

    ~ Bi{ dwab cimh mn` nq ig|g`9 [bmpq pbg nhpg|gqp |mpg9

    [bmp m|g pbg pg|dq mh` aih`npnihq i gmab cimh9

    ~ [bmp ggq {ncc ~iw bmug pi vm~ ih ~iw| g`g|mc qpw`ghp cimh9

    ~ N k|mhpq# qabicm|qbnvq i| g`g|mc qpw`ghp cimhq `ihp aiug|

    ~iw| pipmc amcawcmpg` hmhanmc hgg`# amh ~iw `nv w|pbg| nhpi

    qmunhkq# kgp m vm|ppndg jil# awp ~iw| grvghqgq i| mp pgh` m

    cgqqgrvghqnug aiccgkg9 I| i ~iw hgg` pi li||i{ di|g9

    ~ [bmp nq pbg mug|mkg cimh `glp i pbg aiccgkgq k|m`wmpgq

    iug|mccmh` i k|m`wmpgq nh ~iw| v|ik|md i qpw`~9

    ~ [bmp bmvvghq pi ~iw| hmhanmc mn` n ~iw |gagnug mh iwpqn`g

    qabicm|qbnv9

    ~ [bmp dnkbp ~iw| hmhanmc mn` m{m|` ciio cnog nh qwlqg}wghp

    ~gm|q9

    2 Gumcwmpg ~iw| ehmhanmc mn` ig|q

    Pbg hmhanmc mn` iag mp gmab aiccgkg ~iw cnqp ih ~iw| EMEQM

    "pbmp ~iw bmug lggh i| {ncc lg maagvpg` pi. {ncc v|iun`g ~iw {npb

    mh gumcwmpnih i ~iw| gcnknlncnp~ i| hmhanmc mn` n ~iw qwldnppg`

    pbg |g}wn|g` hmhanmc mn` mvvcnampnihq mh` dgp pbg gm`cnhgq(

    N ~iw| aiccgkg mqoq i| m``npnihmc nhi|dmpnih# lg qw|g pi

    |gqvih` v|idvpc~(

    ^iw| ig| dm~ cnqp ~iw| aiccgkgq mhhwmc AIM? pbg mdiwhp ~iw

    mh` ~iw| mdnc~ bmug pi aihp|nlwpg? mh` pbg mdiwhp pbmp {ncc lg

    aiug|g` l~ m dnr i k|mhpq# {i|oqpw`~# cimhq i| ipbg| mn`(

    ^iw| ig|q {ncc p~vnamcc~ um|~ |id aiccgkg pi aiccgkg# qi ~iw

    dm~ {mhp pi {mnp whpnc ~iwug bgm|` |id gmab ihg lgi|g

    dmonhk m `ganqnihlwp `ihp {mnp qi cihk pbmp ~iw dnqq

    `gm`cnhgq( I| ~iw dm~ {mhp pi maagvp ihg aiccgkgq ig| {bncg

    {mnpnhk pi bgm| |id pbg qabiic i ~iw| abinag( Jwqp lg qw|g pi

    cgp pbg |qp aiccgkg ohi{ n ~iw `gan`g cmpg| pi `gacnhg npq ig|(

    N ~iw| hmhanmc qnpwmpnih abmhkgq mpg| ~iw qwldnp ~iw| EMEQM# aihpmap ~iw| hmhanmc mn` iag( Mqo n ~iw| aiccgkg bmq m i|dmc v|iagqq pi

    bmh`cg mvvgmcq mh` lg v|gvm|g` pi v|iun`g qwvvi|pnhk `iawdghpmpnih( @ihp lg qb~npq ~iw| wpw|g(

    Oggv nh dnh` pbmp ~w `p mu p maap ~w pn

    pw`p mn` maomk( qap p mn` ~w {mp( N ~iw

    `i `gan`g pi `gacnhg mn`# bi{gug|# pbmp mn` dm~ hip lg

    mumncmlcg cmpg| n ~iw abmhkg ~iw| dnh`( N ~iw|g ig|g` m

    cimh# |gdgdlg| pbmp maagvpnhk m cimh dgmhq maagvpnhk pbg

    |gqvihqnlncnp~ i |gvm~nhk np( Pi bgcv ~iw gumcwmpg ~iw|

    hmhanmc mn` ig|q# wqg pbg {i|oqbggp ih vmkg =7( ^iw

    amh mcqi aidvm|g ~iw| hmhanmc mn` m{m|`q ihcnhg mp

    pp:))m(aklm`(ad)eama)admYmn`(j (

    cp un p np pv:= Aiccgap ~iw| nhi|dmpnih

    < Encc iwp pbg EMEQM ih pbg [gl [i|oqbggp

    1 Aidvcgpg pbg EMEQM ihcnhg

    0 Mvvc~ i| m Amc K|mhp

    7 Qwldnp mh~ ipbg| mvvcnampnihq

    5 \gung{ ~iw| Qpw`ghp Mn` \gvi|p

    ; \gung{ ~iw| Amcni|hnm Mn` \gvi|p

    2 Gumcwmpg ~iw| hmhanmc mn` ig|q

  • 7/30/2019 Fund Your Future 2012-2013

    17/40

    Gumcwmpg ~iw| hmhanmc mn` ig|qM }wnao {m~ pi aidvm|g ig|q mh` `gpg|dnhg ~iw| hgp aiqpq nq pi qwlp|map mcc ~iw| k|mhp# qabicm|qbnv mh`

    ipbg| |gg mn` |id ~iw| aiqp i mppgh`mhag( Oggv nh dnh` pbmp aiccgkgq bmug `ng|ghp {m~q i m{m|`nhk

    hmhanmc mn` mq {gcc mq `ng|ghp aiqpq i mppgh`mhag(=

    AIccGKG

    Aiqp i mppgh`mhag

    Pwnpnih mh` ggq

    \iid mh` lim|`6 `m~q

    qnhag Qgvpgdlg| ==#

  • 7/30/2019 Fund Your Future 2012-2013

    24/40

    D i | g { M ~ q P i V M ~

    Ei| di|g nhi|dmpnih ih KN Lnccq mh` ipbg| g`wampnih lghgpq

    i| pbg dncnpm|~# ugpg|mhq mh` pbgn| gvgh`ghpq# aihpmap ~iw|

    aiccgkgq ugpg|mhq mmn|q iag# amcc pbg ciamc iag i pbg

    W(Q( @gvm|pdghp i Ugpg|mhq Mmn|q mp =22200

  • 7/30/2019 Fund Your Future 2012-2013

    25/40

    [m~q pi |g`wagaiccgkg aiqpqIhg i pbg lgqp {m~q pi ghqw|g

    ~iw amh vm~ i| aiccgkg nq i|

    ~iw mh` ~iw| vm|ghpq pi qpm|p

    qmunhk gm|c~(

    = V|numpg qabim|qbnvqAbgao {npb ~iw| qabiic aiwhqgci|

    pbiwqmh`q i qabicm|qbnvq m|g mumncmlcg

    pb|iwkb:

    ~ aiddwhnp~ i|kmhnzmpnihq#

    ~ iwh`mpnihq#

    ~ |gcnkniwq i|kmhnzmpnihq#

    ~ hgnkbli|bii` lmhoq mh`

    lwqnhgqqgq# mh`

    ~ v|igqqnihmc mh` p|m`g i|kmhnzmpnihq(

    Hgrp# wqg pbg |gg qabicm|qbnv n|gapi|ngq

    ihcnhg "qgg vmkgq < mh` 0

  • 7/30/2019 Fund Your Future 2012-2013

    26/40

    D i | g { M ~ q P i V M ~

    > Qpm|p mp m Amni|hnmAiddwhnp~ AigkgQmug pbiwqmh`q i iccm|q nh pwnpnih

    mh` bmug ~iw| kghg|mc g`wampnih

    |g}wn|gdghpq lgbnh` ~iw l~ qpm|pnhk mp m

    Amcni|hnm Aiddwhnp~ Aiccgkg( iw amh

    wqg hmhanmc mn` pi vm~ i| ggq# liioq

    mh` cnunhk grvghqgq( Abgao {npb ~iw|aiddwhnp~ aiccgkg lgi|g gh|iccnhk pi

    dmog qw|g ~iw| a|g`npq {ncc p|mhqg| pi m

    iw|~gm| aiccgkg# n pbmpq ~iw| kimc( Unqnp

    {{{(namhmi|`aiccgkg(aid (

    =6 Qabim|Qbm|g aigkgqmunhkq vmh[npb Amcni|hnmq Qabicm|Qbm|g# m 7

    aiccgkg qmunhkq vcmh# ~iw `gviqnp dihg~

    pbmp k|i{q g`g|mc mh` qpmpg pmr|gg

    mq cihk mq npq wqg` cmpg| i| }wmcng`

    aiccgkg grvghqgq( ^iw amh ivgh mh

    maaiwhp {npb mq cnppcg mq $=7 {bgh qgppnhkwv mwpidmpna nhugqpdghpq( ^iwcc abiiqg

    |id m hwdlg| i ci{aiqp nhugqpdghp

    ivpnihq# mh` wqg ~iw| dihg~ mp mh~

    maa|g`npg` aiccgkg hmpnih{n`g mq {gcc mq

    dmh~ nhpg|hmpnihmc qabiicq( Cgm|h di|g

    mp {{{(qabicm|qbm|g(aid i| l~ amccnhk

    =2667007;6(v` i|

    l~ amccnhk =266215;5( Mcqi# lg qw|g

    pi aihqwcp m v|igqqnihmc pmr m`unqi|(

    5 Gm|h a|g`np nh bnkb qabiiCiio nhpi pmonhk M`umhag` Vcmagdghp

    "MV. i| Nhpg|hmpnihmc Lmaamcmw|gmpg "NL.

    aiw|qgq nh bnkb qabiic mh` pbgh pmog

    pbg grmdq pi gm|h aiccgkg a|g`np( MV

    mh` NL grmdq m|g ig|g` nh m hwdlg|

    i qwljgapq# lwp qidg aiccgkgq cndnp pbg

    hwdlg| i mam`gdna whnpq ~iw amh gm|hpbnq {m~( Ei| `gpmncq# qgg ~iw| bnkb

    qabiic aiwhqgci|# i| ki pi {{{(nli(i|k

    i| bppv:))mvaghp|mc(aiccgkglim|`(i|k (

    ^iw dm~ lg mlcg pi pmog aiddwhnp~

    aiccgkg aiw|qgq {bncg nh bnkb qabiic

    pb|iwkb m `wmc gh|iccdghp v|ik|md( N

    ~iw| qabiic `igqhp ig| ihg# p|~

    gh|iccnhk `n|gapc~ ih ~iw| i{h( Unqnp

    {{{(aaaai(g`w i| gh|iccdghp

    nhi|dmpnih(

    ; Aiivg|mpnug g`wampnih

    [i|ocgm|h v|ik|mdq nhai|vi|mpgvmn` {i|o grvg|nghag {npb acmqq|iid

    qpw`ngq( ^iw amh mcpg|hmpg wccpndg {i|o

    {npb wccpndg qabiic# i| {i|o vm|p pndg

    {bncg mppgh`nhk acmqqgq( Aiivg|mpnug

    g`wampnih v|ik|mdq ihp v|iun`g

    hmhanmc mn`# lwp ~iwcc ipgh lg mlcg pi

    gm|h ghiwkb pi bgcv vm~ i| aiccgkg(

    Aihpmap ~iw| bnkb qabiic aiwhqgci| i|

    ~iw| aiccgkgq aiivg|mpnug g`wampnih i|

    am|gg| iag i| di|g nhi|dmpnih( Mcqi

    abgao iwp {{{({i|oaiccgkgq(i|k i|

    qaiicq pbmp mcci{ ~iw pi {i|o pi vm~ ~iw|

    grvghqgq mq vm|p i pbg aw||nawcwd(

    2 Vm|ppndg {i|oDmh~ qpw`ghpq vm~ pbgn| {m~ pb|iwkb

    aiccgkg l~ jwkkcnhk {i|o mh` acmqqgq(

    M vm|ppndg# qwddg| i| bicn`m~ jil

    amh bgcv( Abgao {npb ~iw| aiccgkgq

    gdvci~dghp iag i| am|gg| aghpg|

    |qp( N ~iw h` ~iw|g {i|onhk pii dmh~

    biw|q mh` npq mgapnhk ~iw| qabiic

    {i|o# i| n ~iw|g aihag|hg` pbmp m

    qwddg| jil dnkbp hgkmpnugc~ ndvmap

    ~iw| hmhanmc mn` m{m|`q# qgg ~iw|

    hmhanmc mn` iag(

    mnv m md9M qabicm|qbnv i| k|mhp nq |gg dihg~

    ~iw qbiwc` hgug| bmug pi vm~ pi h`#

    mvvc~ i| i| |gagnug ihg( [mpab iwp

    i| aidvmhngq pbmp dmog v|idnqgq#

    abm|kg ~iw dihg~ pi mvvc~ i| i|

    |gagnug m qabicm|qbnv# i| p|~ pi kgp

    ~iw pi qgh` dihg~ l~ acmndnhk ~iw|g

    m hmcnqp nh m qabicm|qbnv aihpgqp(

    Lg {m|~ i qgdnhm|q# {glqnpgq i|

    aihqwcpmhpq pbmp {mhp pi abm|kg

    ~iw i| hmhanmc mn` nhi|dmpnih pbmpq

    |gm`nc~ mumncmlcg i| |gg(

    ~ Hgug| knug ~iw| a|g`np am|`

    nhi|dmpnih# lmho maaiwhp

    nhi|dmpnih# Qianmc Qgaw|np~ hwdlg|

    i| qpw`ghp n`ghpnampnih hwdlg|

    iug| pbg vbihg i| Nhpg|hgp whcgqq

    ~iw nhnpnmpg` aihpmap mh` ohi{ {bi

    ~iw|g gmcnhk {npb( iw qbiwc`hp

    hgg` pi v|iun`g hmhanmc nhi|dmpnihpi ilpmnh m cgknpndmpg qabicm|qbnv i|

    k|mhp pbmp ~iwug lggh m{m|`g`(

    ~ @ihp mcc i| acmndq pbmp kwm|mhpgg

    m qabicm|qbnv( \gvwpmlcg aidvmhngq

    hgnpbg| kwm|mhpgg qabicm|qbnvq hi|

    wqg mkk|gqqnug pmapnaq(

    ~ @i ~iw| i{h |gqgm|ab lgi|g

    qvgh`nhk ~iw| dihg~( N ~iw abiiqg

    pi vm~ m qabicm|qbnv qgm|ab qg|unag#

    lg qw|g ~iw wh`g|qpmh` {bmp ~iw|g

    vm~nhk i|(

    Pi cgm|h di|g:

    ~Unqnp {{{(pa(ku)amnamd

    mh` {{{(mw`(k (

    ~Unqnp pbg Ciionhk i| Qpw`ghp Mn`

    {glqnpg mp pp:))pw`pmn`(`(ku)

    pw`p)wlnampn)m)n`r(

    pd(

    N ~iw lgcngug ~iwug lggh m unapnd

    i qabicm|qbnv |mw`# aihpmap pbg

    Amcni|hnm Mppi|hg~ Kghg|mcq iag mp

    pp:))mk(am(ku)awd (

    Qidg jilq mapwmcc~knug ~iw lipb m

    vm~abgao mh` bgcv~iw vm~ `i{h ~iw|

    qpw`ghp cimhq(

    http://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.html
  • 7/30/2019 Fund Your Future 2012-2013

    27/40

    Ki pi {{{(iqbv`(am(kiu)BVGE#

    bppv:))lbv|(b|qm(kiu mh` {{{(bbq(kiu(

    Abn` am|g v|iun`g|q

    N ~iw {i|o nh m `gqnkhmpg` abnc` am|g qnpg

    i| i| m Bgm` Qpm|p v|ik|md# ~iw| g`g|mc

    Vg|onhq cimh `glp amh lg amhagcg`(

    Hmpnihm qg|unag uiwhpgg|q

    Mdg|nAi|vq m{m|`q amh vm~ i ~iw|

    g`g|mc qpw`ghp cimhq( N ~iw qg|ug mq

    m UNQPM i| Vgmag Ai|vq uicwhpgg|# mvi|pnih i ~iw| g`g|mc Vg|onhq cimh

    `glp amh lg amhagcg`( Cgm|h di|g mp

    {{{(mdg|nai|vq(kiu mh`

    {{{(vgmagai|vq(kiu(

    Dnnpm|~ vg|qihhg)

    m{ ghi|agdghp ieag|q

    Ag|pmnh l|mhabgq i pbg W(Q( M|dg`

    Ei|agq ig| cimh mqqwdvpnih lghgpq(

    Unqnp {{{(pi`m~qdncnpm|~(aid ( N ~iw

    qg|ug nh pbg dncnpm|~ nh mh m|gm i biqpncnp~

    i| nddnhghp `mhkg|# =66 vg|aghp i

    ~iw| g`g|mc Vg|onhq cimh `glp amh lg

    amhagcg`(

    N ~iw|g m cm{ ghi|agdghp iag|# ~iw

    dm~ lg gcnknlcg pi bmug m vi|pnih i ~iw|

    g`g|mc Vg|onhq cimh glp amhagcg`(

    Aihpmap ~iw| aiccgkg i| `gpmncq(

    Eg`g|m)vwlna qg|unag gdvi~ggq

    Qidg W(Q( kiug|hdghp gvm|pdghpq

    ig| cimh mqqwdvpnih lghgpq i|

    gdvci~ggq nh ag|pmnh vwlcna qg|unag

    gc`q( ^iw dm~ lg gcnknlcg i|

    i|knughgqq i mh~ qpw`ghp cimh `glp ~iw

    bmug |gdmnhnhk mpg| =6 ~gm|q(

    Mdg|namh Ivvi|pwhnp~ mh` Cngpndg

    Cgm|hnhk pmr a|g`npq mcci{ ~iw i| ~iw|

    vm|ghpq pi qwlp|map m vi|pnih i ~iw|

    aiccgkg aiqpq |id pbg pmrgq ~iw i{g

    gmab ~gm| {bgh ~iw cg ~iw| pmr |gpw|h(

    Pwnpnih mh` ggq pmr `g`wapnih mh`

    qpw`ghp cimh nhpg|gqp `g`wapnih mcci{

    ~iw pi qwlp|map m vi|pnih i ~iw| pwnpnih

    mh` ggq |id ~iw| pmrmlcg nhaidg mh`

    pi `g`wap wv pi $#666 "i| iw| ~gm|q

    i qg|unag.

    Qwldnp mvvcnampnih l~

    Jwhg 16

    Mk|gg pi pgmab nh

    m a|npnamc pgmabg|

    qbi|pmkg qwljgap mp m

    `gqnkhmpg` qabiic

    {{{(ama(am(ku

    qpmp hn

    Mdvpn

    Vmd cm

    g`mpn hn

    mp "qhMVcg h.

    N ~iw m|g m hw|qnhk qpw`ghp i|

    gh|iccg` nh m hw|qnhk v|ik|md i|

    egc` |gcmpg` pi hw|qnhk mh` ~iwug

    aidvcgpg` mp cgmqp m lmabgci|q

    `gk|gg nh hw|qnhk i| m egc` |gcmpg`

    pi hw|qnhk# mh` ~iw mk|gg pi pgmab

    hw|qnhk mp m |gknihmcc~ maa|g`npg`

    Amcni|hnm aiccgkg i| wv pi pb|gg

    ~gm|q

    $

  • 7/30/2019 Fund Your Future 2012-2013

    28/40

    D i | g { M ~ q P i V M ~

    Eg`g|mc cimhqPbg qdm|p {m~ pi li||i{N ~iw `ihp |gagnug ghiwkb |gg dihg~ pi vm~ i| aiccgkg mh` ~iw m|ghp mlcg pi aiug| ~iw| aiqpq {npb

    qmunhkq i| ipbg| |gqiw|agq# aihqn`g| g`g|mc qpw`ghp cimhq |qp( Eg`g|mc qpw`ghp cimhq bmug m rg`

    nhpg|gqp |mpg# egrnlcg |gvm~dghp ivpnihq mh` ipbg| lghgpq pbmp diqp v|numpg qpw`ghp cimhq `i hip bmug(

    ^iw amh kgp m g`g|mc cimh gugh n ~iw `ihp `gdihqp|mpg hmhanmc hgg`# mh` pbg|gq hi a|g`np abgao

    i| wh`g|k|m`wmpg cimhq( Pbg|g m|g mcqi g`g|mc cimhq i| vm|ghpq( Ei| di|g nhi|dmpnih# unqnp

    {{{(qpw`ghpcimhq(kiu i| {{{(hqc`q(g`(kiu(

    Qidg cgh`g|q ig| v|numpg cimhq# lwp oggv nh dnh` v|numpg cimhq wqwmcc~ bmug bnkbg| nhpg|gqp |mpgq mh`

    g{g| lghgpq( N ~iw hgg` pi li||i{# ~iw| |qp ivpnih qbiwc` mc{m~q lg g`g|mc cimhq(

    Eg`g|m Qpmi|` imhqPbgqg m|g pbg diqp aiddih cimhq mh` m|g i| qpw`ghpq {npb i|

    {npbiwp `gdihqp|mpg` hmhanmc hgg` mp mcc p~vgq i aiccgkgq(

    Pi |gagnug m g`g|mc Qpmi|` cimh# ~iw dwqp lg gh|iccg` mp

    cgmqp bmc pndg "mq `gpg|dnhg` l~ ~iw| aiccgkg.( Pbg|g m|g p{i

    onh`q i Qpmi|` cimhq:

    =( Qwlqn`nzg` Qpmi|` imhq

    Lmqg` qicgc~ ih hmhanmc hgg`( Pbg g`g|mc kiug|hdghp vm~q

    pbg nhpg|gqp {bncg ~iw|g nh aiccgkg mh` `w|nhk pbg qnrdihpb

    k|mag vg|ni` mpg| ~iw k|m`wmpg# cgmug qabiic i| gh|icc cgqq

    pbmh bmc pndg~iwcc dmog hi cimh vm~dghpq whpnc ~iw| k|mag

    vg|ni` gh`q( Pi }wmcn~# ~iw dwqp dggp mcc pbg |g}wn|gdghpq i|

    g`g|mc mn` "qgg vmkg =.(

  • 7/30/2019 Fund Your Future 2012-2013

    29/40

    M aiqg| iio mp Qpmi|` imhq

    {mp p @pmn

    b p p En|qp qwldnp pbg EMEQM? ~iw| aiccgkgq ehmhanmc mn` ieag {ncc aihpmap ~iw cmpg| pi aidvcgpg pbg |g}wn|g` qpgvq# nhacw`nhkqnkhnhk m dmqpg| v|idnqqi|~ hipg mh` aidvcgpnhk cimh aiwhqgcnhk

    Npp mp Cimhq `nqlw|qg` lgp {ggh Jwc~ =#

  • 7/30/2019 Fund Your Future 2012-2013

    30/40

    D i | g { M ~ q P i V M ~

    M aiqg| iio mp VcWQ imhq

    {mp p `m Vcwq m vmp `m Vcwq m m`mp % vnm p`p "km` Vcwq.

    b p p Aidvcgpg pbg EMEQM Aidvcgpg m VCWQ cimh dmqpg| v|idnqqi|~ hipg

    Ppm mdp m l Wv pi pbg pipmc aiqp i ~iw| abnc`q wh`g|k|m`wmpgg`wampnih# dnhwq mh~ ipbg| mn` |gagnug` "|gmvvc~gmab ~gm|.

    Wv pi pbg pipmc aiqp i ~iw| g`wampnih# dnhwq mh~ ipbg| mn` |gagnug`

    Npp mp Enrg` mp ;(> vg|aghp Nhpg|gqp maa|wgq |id pbg `mpg i `nqlw|qgdghp whpnc vmn` nh wcc

    M cimh gg i wv pi 0 vg|aghp {ncc lg `g`wapg` |id gmab c imh ` nqlw|qgdghp

    gdp }ndp Mp cgmqp bmc pndg nh m v|ik |md cgm`nhk pi m `gk|gg i | ag| pneampg

    ip }ndp Lmqna }wmcneampnih |g}wn|gdghpq i| g`g|mcehmhanmc mn` "qgg vmkg =.

    Lmqna }wmcneampnih |g}wn|gdghpq i| g`g|mc ehmhanmc mn` "qgg vmkg =. ^iw| gcn knlncnp ~ i| g`g|mc Qp mi |` cimhq dwqp e|qp lg `g pg|dnhg`

    a`np nnlnnp}ndp*"VCWQ cimhq m|g hip lmqg` ihnhaidg i| mqqgpq.

    Hi `glpq `gcnh}wghp >6 `m~q i| di|g "i| di|pkmkg i| dg`namc lncc vm~dghpq# hi `gcnh}wghangq k|gmpg| pbmh =26 `m~q. Hi `gmwcpg` cimhq# iwpqpmh`nhk pmr cnghq# whvmn` jw`kdghpq# lmho|wvpa~# i|gaciqw|g i| {mkg km|hnqbdghp {npbnh pbg vmqpeug ~gm|q

    |vmdp ln [npbnh 56 `m~q i pbg ci mhq cmqp `nqlw|qgdghp(^iw amh `gg| vm~dghpq whp nc ~iw| abnc` agmqgqpi lg gh|iccg` mp cgmqp bmc pndg mh` `w|nhk pbgqnrdihpb# viqpgh|iccdghp vg|ni`( Nhpg|gqp maa|wgq`w|nhk `gg|dghp(

    [npbnh 56 `m~q i pbg cimhq cmqp `nqlw|qgdghp( ^iw amh viqpvihg |gvm~dghp{bncg ~iw|g nh qabiic mp cgmqp bmc pndg# mh` `w|nhk pbg qnrdihpb#viqpgh|iccdghp vg|ni`( Nhpg|gqp maa|wgq `w|nhk `gg|dghp(

    *N ~iw i| ~iw| vm|ghpq amhhip vmqq pbg a|g`np abgao# ~iw amh qpncc |gagnug m VCWQ cimh n ~iw ohi{ qidgihg {bi amh mh` nq {nccnhk pi aiqnkh "gh`i|qg. ~iw| cimh(

    `m p`p m mmpnNh |m|g amqgq# ~iw| cimh# i| m vi|pnih i np# amh lg amhagcg`nh ipbg| {i|`q#

    ~iw {ihp bmug pi vm~ np lmao( ^iw| cimh amh lg amhagcg` n:

    ~ ~iw| aiccgkg aciqgq mh` ~iw|g whmlcg pi aidvcgpg ~iw| qpw`ngq?

    ~ ~iw| aiccgkg mcqgc~ ag|png` ~iw| gcnknlncnp~ i| m cimh?

    ~ ~iw| n`ghpnp~ {mq qpicgh mh` wqg` nccgkmcc~ pi pmog iwp qpw`ghp cimhq?

    ~ ~iw| aiccgkg mncg` pi dmog m |gwh` pi pbg W(Q( @gvm|pdghp i G`wampnih

    {bgh ihg {mq `wg "~iw `ihp hgg` pi |gvm~ pbg mdiwhp ogvp l~ pbg

    aiccgkg.? i|

    ~ ~iw lgaidg pipmcc~ mh` vg|dmhghpc~ `nqmlcg` i| `ng(

    Pi cgm|h di|g# aihpmap ~iw| cimh qg|unag| i| ~iw| aiccgkgq hmhanmc mn`

    iag# i| unqnp {{{(pw`pm(ku(

    {mp m m` npp m` mvnpmnzmpn9Cgpq qm~ ~iw li||i{ $=6#666 unm mh whqwlqn`nzg` Qpmi|` cimh iug| m

    vg|ni` i iw| ~gm|q( ^iw abiiqg pi `gg| vm~nhk pbg nhpg|gqp {bncg ~iw|g nh

    qabiic i| iw| ~gm|q vcwq `w|nhk pbg qnrdihpb k|mag vg|ni`( Pbg nhpg|gqp

    pbmp maawdwcmpgq nq ohi{h mq maa|wg` nhpg|gqp( Mpg| iw| mh` m bmc ~gm|q#

    mliwp $

  • 7/30/2019 Fund Your Future 2012-2013

    31/40

    V|numpg cimhqV|numpg cimhq ipgh am||~ bnkbg| nhpg|gqp |mpgq

    mh` ggq pbmh g`g|mc cimhq# mh` dm~ bmug cgqq

    mpp|mapnug |gvm~dghp pg|dq( P~vnamcc~# pbg nhpg|gqp

    |mpgq ih v|numpg cimhq m|g um|nmlcg mh` amhabmhkg |id dihpb pi dihpb( V|numpg cimhq m|g

    wqwmcc~ lmqg` ih ~iw| a|g`np |mpnhk mh`

    `glppinhaidg |mpnihip hmhanmc hgg`mh`

    dm~ |g}wn|g m aiqnkhg|( Pbg nhi|dmpnih nh ~iw|

    a|g`np |gvi|p {ncc `gpg|dnhg pbg nhpg|gqp |mpg ~iw

    }wmcn~ i|(

    M hwdlg| i cgh`g|q ig| v|numpg cimhq( Mqo

    }wgqpnihq mh` aidvm|g cgh`g|q pi dmog pbg lgqp

    abinag i| ~iw(

    Aihqn`g|nhk m v|numpg imh:[bmp }wgqpnihq qbiw` ~iw mqo9

    ~ [bmpq pbg nhpg|gqp |mpg9 Enrg` i| um|nmlcg9 N um|nmlcg# bi{

    ipgh {ncc np lg m`jwqpg`9 [bgh igq nhpg|gqp amvnpmcnzg mh`

    bi{ ipgh9

    ~ Nq pbg|g m dmrndwd mdiwhp ~iw amh li||i{9

    ~ Nq m aiqnkhg| |g}wn|g`9 [ncc bmunhk m aiqnkhg| ci{g| pbg

    nhpg|gqp |mpg9

    ~ Nq pbg|g mh mvvcnampnih gg9 M|g pbg|g mh~ nqlw|qgdghp ggq9

    Mh~ |gvm~dghp ggq9

    ~ Nq pbg cimh abgao vm~mlcg pi ~iw i| ~iw| aiccgkg9 Bi{ cihk

    `igq np pmog pi |gagnug wh`q9~M|g pbg|g |g`wag` nhpg|gqp |mpgq i| ihpndg vm~dghpq i|

    mwpidmpna lncc vm~9

    ~ [bmp {ncc ~iw| dnhndwd vm~dghp lg9 [bgh `igq |gvm~dghp

    lgknh9 Bi{ cihk `i ~iw bmug pi |gvm~9 Nq pbg|g m

    v|gvm~dghp vghmcp~9

    ~ [ncc ~iw |gagnug ihg lncc i| mcc ~iw| v|numpg cimhq9

    ~ [ncc ~iw| vm~dghpq lg `gg||g` {bncg ~iw|g nh qabiic9 N qi#

    {ncc nhpg|gqp aihpnhwg pi maa|wg9

    ~ [bmp bmvvghq n ~iw amhp dmog ~iw| vm~dghpq `wg pi

    m jil ciqq i| ipbg| gaihidna bm|`qbnv9 @i ~iw bmug mh~

    `gg|dghp i| i|lgm|mhag ivpnihq9

    Eg`g|m mh` v|numpg imhq:[bmp `igq np dgmh pi maagvp m imh9Np dgmhq maagvpnhk pbg |gqvihqnlncnp~ i| |gvm~nhk pbg dihg~

    ~iw li||i{# {npb nhpg|gqp( Npq {i|pb hipnhk pbmp g`g|mc cm{q

    dmog np hgm|c~ ndviqqnlcg pi `nqabm|kg m qpw`ghp cimh pb|iwkb

    lmho|wvpa~# gragvp nh |m|g nhqpmhagq( Lgi|g ~iw li||i{# mqo:

    Nq pbg aigkg i| v|ik|md m kii` nhugqpdghp9 ^iw bmug

    pbg |nkbp pi lg wcc~ nhi|dg` mliwp pbg aiccgkgq pwnpnih mh`

    |gwh` vicnangq# mam`gdna mh` p|mnhnhk v|ik|mdq# hmhanmc mn`

    v|ik|mdq# mawcp~ mh` mancnpngq# mh` npq k|m`wmpgq qwaagqq

    |mpg nh h`nhk jilq( ^iw mcqi bmug pbg |nkbp pi mqo bi{ dmh~

    qpw`ghpq aidvcgpg pbgn| `gk|ggq mp pbg aiccgkg mh` bi{ dmh~

    i pbgd p|mhqg| iwp( Eg`g|mc |gkwcmpnihq |g}wn|g qidg aiccgkgq

    pi v|iug pbmp m vg|aghpmkg i i|dg| qpw`ghpq m|g qwaagqqwcc~vm~nhk pbgn| cimhq# i| pbg aiccgkg aiwc` ciqg npq maagqq pi

    g`g|mc k|mhpq mh` cimhq(

    @igq ~iw| imh dmog kii` ehmhanm qghqg9 M|g pbg|g jilq

    nh ~iw| abiqgh gc` mh` bi{ {gcc `i pbg~ vm~9 Qidg jilq mh`

    am|gg|q m|g di|g qpmlcg i| bnkbg| vm~nhk pbmh ipbg|q( Cgm|h

    di|g mliwp bwh`|g`q i jilq# nhacw`nhk |g}wn|g` p|mnhnhk#

    v|iqvgapq mh` gm|hnhkq# nh pbg g`g|mc Iaawvmpnihmc Iwpciio

    Bmh`liiomumncmlcg mp {{{(lcq(kiu)iai(

    M|g pbg|g ipbg| ivpnihq9 N ~iw qpncc hgg` dihg~ i| aiccgkg

    mpg| |gmabnhk pbg g`g|mc cimh li||i{nhk cndnpq# awp grvghqgq

    i| abgao iwp {m~q pi |g`wag aiccgkg aiqpq# qpm| pnhk {npb pbiqg

    cnqpg` ih vmkg

  • 7/30/2019 Fund Your Future 2012-2013

    32/40

    D i | g { M ~ q P i V M ~

    \gvm~nhk g`g|mc qpw`ghp cimhq[bgh np aidgq pndg pi vm~ lmao ~iw| g`g|mc qpw`ghp cimhq# pbg|g m|g ug |gvm~dghp ivpnihq# nhacw`nhk

    vm~dghpq pbmp qpm~ pbg qmdg gmab dihpb "qpmh`m|`.? vm~dghpq pbmp lgknh ci{g| mh` nha|gmqg iug|

    pndg "k|m`wmpg`.? vm~dghpq pbmp qp|gpab iug| m cihkg| vg|ni` i pndg "grpgh`g`.? mh` vm~dghpq pbmp m|g

    `gvgh`ghp ih ~iw| nhaidg "nhaidglmqg` mh` nhaidgaihpnhkghp.(

    ^iwcc wqwmcc~ bmug wv pi =6 ~gm|q pi |gvm~ ~iw| cimh# lwp ~iw aiwc` bmug mq cihk mq 6'

    Ppmmdp

    l`

    =

  • 7/30/2019 Fund Your Future 2012-2013

    33/40

    @ihp `gmwp( N ~iw `ihp |gvm~ ~iw| cimh# ~iwcc mag qg|niwq

    aihqg}wghagq:

    ~ Pbg ghpn|g mdiwhp i ~iw| cimh {ncc lgaidg `wg(

    ~ ^iwcc hi cihkg| lg gcnknlcg pi |gagnug m``npnihmc g`g|mc

    hmhanmc mn` "k|mhpq i| cimhq.(

    ~M vi|pnih i ~iw| vm~abgaoq i| pmr |gwh`q amh lg pmogh pi

    vm~ lmao ~iw| cimh(

    ~ ^iw amh lg bnp {npb aiccgapnih aiqpq(

    ~ ^iw dm~ hip lg gcnknlcg i| ag|pmnh jilq# mq qidg gdvci~g|q

    abgao a|g`np(

    ^iwcc `mdmkg ~iw| a|g`np |mpnhk# dmonhk np bm|`g| mh` di|g

    grvghqnug pi li||i{ dihg~ nh pbg wpw|g(

    \gvm~dghp ivpnihqIhag ~iw| g`g|mc qpw`ghp cimhq ki nhpi |gvm~dghp "mpg| ~iw

    k|m`wmpg# cgmug qabiic i| `|iv lgci{ bmcpndg gh|iccdghp.#

    ~iw {ncc bmug qgug|mc ivpnihq i| |gvm~nhk pbgd( ^iw mcqi bmug

    pbg ivpnih pi abmhkg |gvm~dghp vcmhq ihag gmab ~gm| l~

    aihpmapnhk ~iw| cimh qg|unag|(

    Qpmh`m|`

    Pbg qpmh`m|` vcmh mcci{q ~iw pi vm~ pbg qmdg mdiwhp gmab

    dihpb# {npb wv pi =6 ~gm|q pi |gvm~( ^iw| dihpbc~ vm~dghp

    dwqp lg mp cgmqp $76( Grmdvcg: 5(2 vg|aghp nhpg|gqp i| =6~gm|q $==(7= dihpbc~ vg| $=#666 li||i{g`(

    K|m`wmpg`

    ^iw| vm~dghpq qpm|p iwp ci{ "mq cnppcg mq nhpg|gqp ihc~. mh`

    k|m`wmcc~ nha|gmqg iug| pndg# {npb wv pi =6 ~gm|q pi |gvm~(

    Grmdvcg: 5(2 vg|aghp nhpg|gqp i| =6 ~gm|q $7(5; dihpbc~

    vg| $=#666 li||i{g` i| pbg |qp p{i ~gm|q# pbgh $=1(71

    dihpbc~ vg| $=#666 i| pbg |gdmnhnhk gnkbp ~gm|q(

    Gpgh`g`

    Pbnq vcmh nq i| iwpqpmh`nhk qpw`ghp cimh `glp k|gmpg| pbmh

    $16#666( Vm~dghpq amh lg rg` i| dm~ k|m`wmcc~ nha|gmqg

    iug| pndg# {npb wv pi

  • 7/30/2019 Fund Your Future 2012-2013

    34/40

    ~ i w h g g @ P i o h i {

    Qmdvcg aiccgkg hmhanhk vcmhBg|g nq ihg viqqnlcg qaghm|ni nccwqp|mpnhk bi{ ihg qpw`ghp vm~q i| aiccgkg( Qgg di|g qmdvcg aiccgkg

    hmhanhk vcmhq mp bppv:))amcni|hnmaiccgkgq(g`w)ehmhag)ehmhag(mqv(

    Qpw`ghp: Qg|ghmMkg: =2Qpmpwq: Qnhkcg"`gvgh`ghp ih vm|ghpq.Biwqnhk:Mp bidg {npb vm|ghpqVm|ghp nhaidg: $06#666

    "M. #526

    "M L. 4 Hgp aiqp pi mdn~

    Pbg hgp aiqp nq pbg mdiwhp pbmp Qg|ghmq mdnc~ dwqp vm~ mpg|

    hgg`lmqg` k|mhpq m|g pmogh nhpi maaiwhp(

    $7#702

    DMHMKNHK PBG HGP AIQP

    Vm|ghpq mh` qpw`ghpq {i|o pikgpbg|

    pi aiug| pbg hgp aiqp wqnhk |gqiw|agq

    v|iun`g` l~ pbg aiccgkg# nhacw`nhk

    vm|ghp mh` qpw`ghp g`wampnih cimhq#

    vm|ppndg {i|o w|nhk pbg mam`gdna

    ~gm|# mh` qmunhkq |id qwddg|

    gm|hnhkq(

    Pbg hgp aiqp nq hip `wg mcc mp ihag(

    Dmh~ aiqpq# qwab mq cnunhk grvghqgq#

    m|g nhaw||g` iug| pndg(

    Bg|g nq m qmdvcg i bi{ Qg|ghmq

    mdnc~ dnkbp aiug| bg| hgp aiqp(

    Qg|ghmq vm|ghpq

    Aidlnhmpnih i aw||ghp gm|hnhkq# qmunhkq i| m vm|ghp cimh:

    Qg|ghmq vm|ghpq {iwc` lg grvgapg` pi aihp|nlwpg $>

  • 7/30/2019 Fund Your Future 2012-2013

    35/40

    Ug|neampnihPbg g`g|mc kiug|hdghp |mh`idc~

    qgcgapq mliwp ihg nh pb|gg EMEQMq gmab

    ~gm| i| ug|nampnih( N ~iw| EMEQM nq

    qgcgapg` "pbg|gcc lg mh mqpg|nqo mpg|

    ~iw| GEA ih ~iw| QM\.# ~iw| aiccgkg

    {ncc mqo ~iw pi ug|n~ ~iw| EMEQM

    nhi|dmpnih# wqwmcc~ l~ |g}wgqpnhk m

    aiv~ i ~iw| i| ~iw| vm|ghpq diqp

    |gaghp g`g|mc pmr |gpw|h# [< Ei|dq

    i| ipbg| hmhanmc `iawdghpq# mh` m

    aidvcgpg` ug|nampnih {i|oqbggp( ^iw|

    aiccgkg dm~ nh`gvgh`ghpc~ mqo i| ~iw|

    hmhanmc |gai|`q pi ug|n~ ~iw| gcnknlncnp~

    i| qpw`ghp mn`? qidg aiccgkgq abiiqg pi

    ug|n~ gug|~ qpw`ghpq gcnknlncnp~(

    \gmvv~ gmab ~gm|Diqp hmhanmc mn` m{m|`q m|g aihqn`g|g`

    hg{ gmab qabiic ~gm|# qi ~iwcc hgg`

    pi qwldnp pbg EMEQM gmab ~gm|( Wqg

    ~iw| VNH pi qwldnp ~iw| EMEQM mp

    {{{(mqm(kiu ih i| mpg| Jmhwm|~ =(

    Gmab ~gm|# oggv m aiv~ i {bmp ~iwug

    qwldnppg`(

    Qndvc~ wv`mpg mh~ nhi|dmpnih pbmp bmq

    abmhkg`# qwab mq ~iw| nhaidg i| mdnc~

    qnzg? aidvcgpg mh~ lcmho m|gmq? mh`

    |gung{ ~iw| cnqp i aiccgkgq(

    ^iw {ncc hgg` pi |g}wmcn~ pi aihpnhwg pi

    |gagnug mh~ ipbg| qpmpg i| g`g|mc mn` ~iw

    |gagnug` pbg ~gm| lgi|g( ^iw qpncc dwqp

    dggp pbg |g}wn|gdghpq# {bnab nhacw`g

    |gdmnhnhk lgci{ nhaidg mh` mqqgp

    agncnhkq "qgg vmkg ;.( Nh diqp amqgq#

    pbnq mcqi nhacw`gq dmonhk qmpnqmapi|~

    mam`gdna v|ik|gqq "QMV.# qi lg qw|g

    ~iw wh`g|qpmh` ~iw| qabiicq vicna~(

    ^iw amh wqwmcc~ h` QMV nhi|dmpnih ih

    ~iw| qabiicq {glqnpg i| nh pbg aiw|qg

    ampmcik(

    |np m` vnlnnpn

    ~ mu p np p m p :

    ~ [bmp np aiqpq pi mppgh` mh` {bmp npq

    |gwh` vicnangq m|g n ~iw {npb`|m{(

    ~ Bi{ np `gpg|dnhgq {bgpbg| ~iw|g

    dmonhk qmpnqmapi|~ mam`gdna v|ik|gqq

    mh` {bmp bmvvghq n ~iw|g hip(

    ~ Pi `nqaciqg pbg vg|aghpmkg i npq

    qpw`ghpq {bi aidvcgpg npq v|ik|mdq

    mh` pbg vg|aghpmkg {bi p|mhqg| iwp(

    ~ Pi grvcmnh npq maa|g`npmpnih mh` cnaghqnhk(

    ~ Ei| pbg vg|aghpmkg i qpw`ghpq {bi m|g

    vcmag` nh jilq |gcmpg` pi pbgn| aiw|qg i

    qpw`~ mpg| k|m`wmpnih(

    ~ [bmp hmhanmc bgcv nq mumncmlcg#

    nhacw`nhk nhi|dmpnih ih mcc g`g|mc#

    qpmpg mh` aiccgkg hmhanmc mn`

    v|ik|mdqhip jwqp cimhq(

    ~Mliwp pbg `gm`cnhgq i| qwldnp pnhk

    mvvcnampnihq i| gmab hmhanmc mn`

    v|ik|md mh` bi{ |ganvnghpq m|g

    qgcgapg`(

    ~ Bi{ ~iw| hmhanmc hgg` nq `gpg|dnhg`#

    nhacw`nhk bi{ aiqpq i| pwnpnih# ggq#

    biwqnhk# ii`# p|mhqvi|pmpnih# liioq#

    qwvvcngq# vg|qihmc mh` dnqagccmhgiwq

    grvghqgq m|g aihqn`g|g` nh ~iw| AIM(

    ~

    [bmp nhaidg# mqqgpq mh` ipbg| mapi|qm|g aihqn`g|g` nh ~iw| GEA amcawcmpnih#

    mh` bi{ dwab i ~iw| hmhanmc hgg`#

    mq `gpg|dnhg` l~ pbg aiccgkg# nq dgp(

    ~ Pi grvcmnh pbg um|niwq gcgdghpq nh ~iw|

    hmhanmc mn` vmaomkg# mh` bi{ mh`

    {bgh ~iwcc |gagnug ~iw| mn`(

    ~ Pi grvcmnh bi{ ~iw| hmhanmc mn` ig|

    {mq `gpg|dnhg`(

    ~ [bmp vi|pnih i ~iw| hmhanmc mn` nq

    k|mhp i| knp mn`# mh` bi{ dwab dwqp

    lg vmn` lmao( N ~iw|g ig|g` m cimh#

    ~iw bmug pbg |nkbp pi ohi{ pbg nhpg|gqp|mpg# pbg pipmc mdiwhp pbmp dwqp lg

    |gvmn`# ~iw| |gvm~dghp ivpnihq# {bgh

    |gvm~dghp lgknhq mh` bi{ cihk ~iw

    bmug pi |gvm~(

    ~ Bi{ pi lg aihqn`g|g` i| m``npnihmc mn`

    n ~iw| hmhanmc an|awdqpmhagq abmhkg(

    ~Mliwp pbg g gap iwpqn`g qabicm|qbnvq

    dm~ bmug ih ~iw| hmhanmc mn` m{m|`(

    ~ Bi{ pi |gmvvc~ i| hmhanmc mn` i|

    qwlqg}wghp ~gm|q(

    ~ mu m vnlnnp p:

    ~ \gqgm|ab pbg aiccgkgq ~iw|g

    aihqn`g|nhk(

    ~ \gung{ mh` aihqn`g| mcc nhi|dmpnih

    mliwp pbg aiccgkgq v|ik|mdq lgi|g

    gh|iccnhk(

    ~ Ohi{ mh` aidvc~ {npb pbg `gm`cnhgq

    i| mvvcnampnihq i| |gmvvcnampnihq i|

    mn`( Nhpghpnihmc dnq|gv|gqghpmpnih ih

    mh mvvcnampnih i| g`g|mc hmhanmc mn`

    nq m a|ndg(

    ~ \gqvih` v|idvpc~ mh` v|iun`g pi

    pbg mvv|iv|nmpg vcmag mcc |g}wgqpg`

    ug|nampnih iawdghpmpnih# ai||gapnihq

    pi ~iw| hmhanmc mn` mvvcnampnih i|

    m``npnihmc nhi|dmpnih(

    ~ \gm` mh` oggv aivngq i mcc i|dq mh`

    mk|ggdghpq ~iw qnkh(

    ~Mqo ~iw| aiccgkgq hmhanmc m n` iag

    {bgpbg| ~iw {g|g m{m|`g` qpw`ghp

    gdvci~dghp# mh` i| `gpmncq mliwp

    biw|q# `wpngq# vm~ |mpg mh` bi{ ~iwcc

    lg vmn`(

    ~ Aidvcgpg cimh ghp|mhag aiwhqgcnhk

    lgi|g ~iw |gagnug ~iw| |qp

    `nqlw|qgdghp i m g`g|mc cimh# mh` grnp

    aiwhqgcnhk lgi|g ~iw cgmug qabiic(

    ~ Aidvm|g ~iw| mhpnanvmpg` dihpbc~qpw`ghp cimh vm~dghpq mh` ipbg|

    grvghqgq pi ~iw| grvgapg` p mogbidg

    vm~ mpg| aiccgkg(

    ~ Wh`g|qpmh` ~iw| qabiicq |gpw|himn`

    vicna~ n ~iw |gagnug g`g|mc i| qpmpg

    hmhanmc mn` mh` {npb`|m{ |id qabiic(

    ~ \gvm~ ~iw| qpw`ghp cimhq# gugh n ~iw

    `ihp aidvcgpg ~iw| g`wampnih# amhp

    kgp m jil i| m|ghp bmvv~ {npb ~iw|

    g`wampnih(

    ~ Hipn~ ~iw| aiccgkg mh` cimh qg|unag|

    v|idvpc~ i abmhkgq nh ~iw| hmdg#

    vg|dmhghp dmncnhk m``|gqq# pgcgvbihg

    hwdlg|# gh|iccdghp i| dm|npmc qpmpwq#

    i| hmhanmc |gqiw|agq(

    ~ \g}wgqp m gg|dghp i| i|lgm|mhag#

    i| m abmhkg nh |gvm~dghp vcmh n ~iw|g

    bmunhk p|iwlcg dmonhk ~iw| dihpbc~

    vm~dghpq(

    ~ \gmvvc~ i| hmhanmc mn` gmab ~gm| ~iw

    mppgh` aiccgkg(

  • 7/30/2019 Fund Your Future 2012-2013

    36/40

    ~ i w h g g @ P i o h i {

    Qvgh`nhk qdm|pKgp i|kmhnzg`( Qgp wv qgvm|mpg cgq i| ~iw| lmho qpmpgdghpq#biwqgbic` lnccq# nhqw|mhag vm~dghpq# aiccgkg mvvcnampnihq#

    hmhanmc mn` vmvg|q# cimh `iawdghpq mh` ai||gqvih`ghag {npb

    ~iw| aiccgkg mh` ~iw| cimh qg|unag|( Oggv pbgd nh m qmg vcmag(

    A|gmpg m dihpb~ qvgh`nhk vmh mh` qpnao pi np( En|qp# ~iwcc

    hgg` pi ohi{ ~iw| nhaidg mh` grvghqgq( Pi kw|g iwp ~iw|

    grvghqgq# {|npg `i{h mcc ~iw| vw|abmqgq gug|~ `m~ i| mp

    cgmqp p{i {ggoq pi wh`g|qpmh` {bg|g ~iw| dihg~ nq kinhk(

    Mcqi# ciio mp ~iw| lmho i| a|g`np am|` qpmpgdghpq mp pbg gh`

    i pbg dihpb( ^iwcc kgp m kii` n`gm i pbg hwdlg| i aiggq

    ~iw liwkbp# bi{ dmh~ pndgq ~iw mpg iwp# mh~ acipbgq# qbigq#

    liioq i| ipbg| npgdq ~iw liwkbp# mh` ~iw| |gkwcm| biwqgbic`

    grvghqgq# qwab mq |ghp# wpncnpngq mh` ii`(

    Qbiv m|iwh` i| pgpliioq( \gqgm|ab hg{ mh` wqg`

    pgrpliioq ihcnhg( Aidvm|g NQLHq "gug|~ liio bmq npq i{h

    Nhpg|hmpnihmc Qpmh`m|` Liio Hwdlg|# ciampg` ih pbg aiv~|nkbp

    vmkg. pi dmog qw|g ~iw kgp pbg |nkbp g`npnih( Mcqi# mqo n ~iw|

    aiccgkg bmq m liio |ghpmc i| lw~lmao v|ik|md( N ~iw `ihp

    dnh` |gm`nhk ih m aidvwpg| qa|ggh nhqpgm` i m v|nhpg` liio#

    pbg|g m|g qgug|mc ci{aiqp ivpnihq i| `i{hcim`nhk pgrpliioq(

    Muin` wqnhk a|g`np am|`q( Np amh lg gmq~ pi kgp m a|g`np am|`

    mh` gugh gmqng| pi kgp nhpi p|iwlcg( Qbiv m|iwh` mh` lg {m|~

    i ci{ nhp|i`wapi|~ |mpgq pbmp }wnaoc~ jwdv bnkbg|( Ciio iwp

    i| bn``gh ggq( Aihqn`g| m `glnp am|` nhqpgm`# lwp ~iwcc qpncc

    hgg` pi |gm` pbg hg v|nhp( N ~iw bmug m a|g`np am|`# vm~ ~iw|

    lmcmhag nh wcc gmab dihpb( N ~iw amhp# p|~ pi vm~ di|g pbmhjwqp pbg dnhndwd vm~dghp(

    Qpm|p qmunhk( Hi dmppg| bi{ cnppcg# qgp mqn`g qidgpbnhk gug|~

    dihpb( Gugh $

  • 7/30/2019 Fund Your Future 2012-2013

    37/40

    Bi{ dwab {nccnp aiqp9^iw ohi{ pbg v|nag i m dwqna `i{hcim` mh` m

    cmpp# lwp bi{ mliwp pbg aiqp i npgdq ~iwcc

    hgg` pi lw~ mq m aiccgkg qpw`ghp i| pi qgp wv

    mh mvm|pdghp9

    ~ Pbg mug|mkg aiqp i m aiccgkg pgrpliio nq m|iwh` $=66?

    ~iw amh grvgap pi qvgh` mliwp $066$566 i| di|g gmab

    qgdgqpg| ih liioq# `gvgh`nhk ih ~iw| aiw|qg i qpw`~( L~

    pbg pndg ~iw k|m`wmpg# ~iw| pipmc liio lncc aiwc` lg mq bnkb

    mq $1#766( Vw|abmqg wqg` pgrpliioq# i{hcim gpgrpq i|

    li||i{ liioq |id ipbg|q {bi bmug pmogh pbg qmdg acmqqgq(

    ~ Vcmh pi vm~ mliwp $==7 vg| dihpb i| wpncnpngq "kmq mh`

    gcgap|nanp~.(

    ~ ^iwcc v|ilmlc~ qvgh` wv pi $066 m dihpb ih ii`# nhacw`nhk

    qhmaoq mh` gmpnhk iwp(

    ~ Pbg mug|mkg {mqbg| pmogq mliwp $< nh }wm|pg|q i| m qnhkcg

    cim` mh` `|~nhk amh aiqp mhipbg| $

  • 7/30/2019 Fund Your Future 2012-2013

    38/40

    ~ i w h g g @ P i o h i {

    Qvgh`nhk vcmh {i|oqbggpWqg pbnq {i|oqbggp pi bgcv kgp m acgm| vnapw|g i ~iw| nhaidg mh` grvghqgq( N ~iw| grvghqgq m|g di|g

    pbmh ~iw| nhaidg# ~iwcc hgg` pi ciio i| {m~q pi |g`wag grvghqgq mh`)i| qwvvcgdghp ~iw| nhaidg(

    NHAIDG QIW\AG Gqpndmpg` dihpb~ pipm Gqpndmpg` ~gm|~ pipm

    Gm|hnhkq

    Dihg~ |id qmunhkq

    Dihg~ |id vm|ghpq

    [i|oqpw`~ ) qpw`ghp gdvci~dghp

    Qabicm|qbnvq

    K|mhpq

    Cimhq

    Qviwqgq {mkgq

    Ipbg|

    Pipmc nhaidg $ $

    GrVGHQGQ Gqpndmpg` dihpb~ pipm Gqpndmpg` ~gm|~ pipm

    Pwnpnih

    Eggq

    Cimh vm~dghpq

    Liioq ) qwvvcngq

    \ghp ) biwqnhk

    Kmq ) gcgap|nanp~

    Agcc vbihg qg|unag

    Nhpg|hgp qg|unag ) PU qg|unag

    Ipbg|

    Abnc` am|g

    P|mhqvi|pmpnih: Am| kmq mh` dmnhpghmhag

    Am| nhqw|mhag mh` |gknqp|mpnih

    Am| vm~dghp

    Vwlcna p|mhqvi|pmpnih

    Vm|onhk

    Eii`: K|iag|ngq

    \gqpmw|mhpq

    Aigg# qhmaoqAcipbnhk: Acipbgq

    Cmwh`|~ ) `|~ acgmhnhk

    Ghpg|pmnhdghp

    A|g`np am|` vm~dghpq

    Dg`namc ) `ghpmc nhqw|mhag mh` grvghqgq

    Dnqagccmhgiwq

    Pipmc grvghqgq $ $

    Pipm nhaidg dnhwq pipm gvghqgq 4 $

    "mumncmlcg wh`q.

    4 $

    "mumncmlcg wh`q.

    1#666(66

    6(66

    066(66

    =;6(66

    066(66

    166(66

    0#

  • 7/30/2019 Fund Your Future 2012-2013

    39/40

    Pg|dq pi ohi{ _Pbg diqp ndvi|pmhp `ghnpnihq m|g bnkbcnkbpg`( TMln np~pilghgep pgqp: ihg {m~ pi

    `gpg|dnhg gcnknlncnp~ i| g`g|mc mn`

    i| qpw`ghpq {bi m|ghp bnkb qabiic

    k|m`wmpgq i| `ihp bmug m KG@

    ag|pnampg(

    Mqqgp : mh npgd i umcwg# qwab mq |gmc

    gqpmpg# qpiao# lih`# amqb qmunhkq#

    p|wqp wh`# dihg~ dm|ogp wh`#

    aiccgkg qmunhkq vcmh# |gpn|gdghp vcmh

    i| v|gvmn` pwnpnih vcmh(

    Amni|hnm Mn` \gvi|p "AM\.: pbg

    |gvi|p |id pbg Amcni|hnm Qpw`ghp

    Mn` Aiddnqqnih |gvi|pnhk ~iw|

    Amc K|mhp gcnknlncnp~? gqpndmpgq

    ~iw| Amc K|mhp m{m|`(

    Amni|hnm |gqn`gha~: ~iw|g

    aihqn`g|g` m Amcni|hnm |gqn`ghp n

    ~iw|g mh whdm||ng` qpw`ghp# wh`g|

    =2# mh` ~iw| vm|ghpq bmug lggh cgkmc

    Amcni|hnm |gqn`ghpq i| ihg ~gm|

    v|ni| pi pbg |gqn`ghag gpg|dnhmpnih`mpg i pbg aiccgkg ~iw {ncc mppgh`# i|

    Qgvpgdlg| 0. |id W(Q( Anpnzghqbnv mh`

    Nddnk|mpnih Qg|unagq {npb ihg i

    pbg icci{nhk gqnkhmpnihq: \gwkgg

    "nhacw`nhk hihanpnzgh unapndq i

    bwdmh p|maonhk.# Mq~cwd K|mhpg`#

    Vm|icgg "pbg N>0 aih|dq vm|icg`

    i| m dnhndwd i ihg ~gm| mh` qpmpwq

    bmq hip grvn|g`.# PUnqm bic`g| i|

    AwlmhBmnpnmh Ghp|mhp(

    Gvgapg` mdn~ aihp|nlwpnih

    "GEA.: pbg vi|pnih i ~iw| i{h mh`

    ~iw| mdnc~q hmhanmc |gqiw|agq

    pbmp qbiwc` lg mumncmlcg pi vm~ i|

    aiccgkg# lmqg` ih m g`g|mc i|dwcm

    wqnhk pbg nhi|dmpnih ih ~iw| EMEQM(

    EMEQM: E|gg Mvvcnampnih i| Eg`g|mc

    Qpw`ghp Mn`? pbg mvvcnampnih wqg`

    pi mvvc~ i| g`g|mc mh` diqp

    qpmpg hmhanmc mn`# mh` qidgpndgq

    nhqpnpwpnihmc mn`(

    Eg`g|m v|iagqqi|: pbg g`g|mc

    kiug|hdghpq aidvwpg| q~qpgd pbmp

    mhmc~zgq pbg nhi|dmpnih ih ~iw|

    EMEQM# amcawcmpgq ~iw| grvgapg`mdnc~ aihp|nlwpnih mh` qgh`q iwp pbg

    Qpw`ghp Mn` \gvi|p(

    Enhmhanm mn` gnknlnnp~: pbg

    `ng|ghag lgp{ggh ~iw| grvgapg`

    mdnc~ aihp|nlwpnih mh` pbg aiccgkgq

    aiqp i mppgh`mhag? mcqi ohi{h mq

    ~iw| hmhanmc hgg`(

    Enhmhanm mn` vmaomkg: pbg pipmc

    mdiwhp i hmhanmc mn` ig|g` l~

    m qabiic? wqwmcc~ m aidlnhmpnih i

    k|mhpq# qabicm|qbnvq# {i|oqpw`~

    mh` cimhq(

    Ei|lgm|mhag: pgdvi|m|~

    viqpvihgdghp i| |g`wapnih i

    ~iw| dihpbc~ vm~dghp( Nhpg|gqp

    aihpnhwgq pi maa|wg# nha|gmqnhk pbg

    cimh lmcmhag( Ei|lgm|mhag dwqp lg

    mvv|iug` l~ ~iw| cimh qg|unag|(

    KG@: Kghg|mc G`wampnihmc@gugcivdghp pgqp)ag|pnampg wqg`

    pi dgmqw|g bnkb qabiic mam`gdna

    mabngugdghp "nh vcmag i m `nvcidm.(

    KVM: k|m`g vinhp mug|mkg(

    K|mhp: hmhanmc mn` pbmp igqhp

    bmug pi lg |gvmn`? wqwmcc~ lmqg` ih

    hmhanmc hgg`(

    Nh`gvgh`ghp aigkg: m hihv|ip#

    v|numpg aiccgkg pbmp nq hip |wh l~ m

    kiug|hdghp i|kmhnzmpnih(

    Nhqpnpwpnihlmqg` mn`: hmhanmc

    mqqnqpmhag ig|g` mh` aihp|iccg` l~

    nh`nun`wmc aiccgkgq# qwab mq mcwdhn

    qabicm|qbnvq mh` gh`i{dghpq|id v|numpg ihi|q? mcqi amccg`

    nhqpnpwpnihmc mn`(

    Nhqpnpwpnihm dgpbi`iik~: pbg

    i|dwcm wqg` l~ qidg aiccgkgq

    pi gpg|dnhg ~iw| gcnknlncnp~ i|

    nhqpnpwpnihmc mn`? dm~ aiwhp bidg

    g}wnp~ mh` ipbg| mqqgpq pbg EMEQM

    `igq hip(

    Nhpg|gqp: pbg dihg~ ~iw {ncc lg

    abm|kg` i| pmonhk iwp m cimh(

    cimh qg|unag|: m aidvmh~ pbmp

    bmh`cgq mcc pbg m`dnhnqp|mpnug

    pmqoq mqqiampg` {npb m cimh# qwab

    mq gqpmlcnqbnhk |gvm~dghp pg|dq#

    bmh`cnhk gg|dghp mh` i|lgm|mhag|g}wgqpq# mh` maagvpnhk mh`

    aiccgapnhk vm~dghpq(

    Dmqpg| v|idnqqi|~ hipg "DVH.: m

    cgkmcc~ lnh`nhk aihp|map lgp{ggh m

    li||i{g| mh` pbg W(Q( @gvm|pdghp

    i G`wampnih cnqpnhk mcc pg|dq mh`

    aih`npnihq i m cimh? g`g|mc qpw`ghp

    cimhq |g}wn|g ~iw pi qnkh mh DVH(

    Dg|nplmqg` mn`: hmhanmc mn` lmqg`

    ih k|m`gq# pgqp qai|gq# mpbcgpna

    mlncnp~# pmcghpq i| ipbg| a|npg|nm# hip

    nhaidg i| mqqgpq(

    Hgg`lmqg` mn`: hmhanmc mn` pbmp

    nq lmqg` ih ~iw| i{h i| ~iw| mdnc~q

    nhaidg i| mqqgpq? diqp hmhanmcmn` ig|g` l~ pbg kiug|hdghp nq

    hgg`lmqg`(

    Hgp aiqp i mppgh`mhag i| hgp

    v|nag: {bmp m qpw`ghp vm~q pi mppgh`

    m bnkbg| g`wampnih nhqpnpwpnih? pbg

    qabiicq aiqp i mppgh`mhag dnhwq

    dihg~ i| aiccgkg pbmp `igqhp bmug

    pi lg |gvmn`# nhacw`nhk k|mhpq mh`

    qabicm|qbnvq(

    VNH: vg|qihmc n`ghpnampnih

    hwdlg| |id pbg W(Q( @gvm|pdghp

    i G`wampnih pbmp qg|ugq mq ~iw|

    gqnkhmpw|g ih pbg gcgap|ihna EMEQM?

    mcqi amh lg wqg` pi abgao ih pbg

    qpmpwq i ~iw| EMEQM# ai||gap i| v|nhp

    ~iw| Qpw`ghp Mn` \gvi|p# qnkh ~iw|

    dmqpg| v|idnqqi|~ hipg# mh` ung{

    ~iw| g`g|mc hmhanmc mn` |gai|`q(

    V|nhanvm "imh.: pbg mdiwhp ~iw

    i|nknhmcc~ li||i{g`# vcwq mh~amvnpmcnzg` nhpg|gqp(

    V|numpg am|gg| aigkg: m i|v|ip

    nhqpnpwpnih ig|nhk m aiw|qg i qpw`~

    i| jil qonccq lg~ih` bnkb qabiic(

    Qmpnqmapi|~ mam`gdna v|ik|gqq

    "QMV.: mq gqpmlcnqbg` l~ ~iw|

    aiccgkg# pbg v|ik|gqq ~iw dwqp

    dmnhpmnh pi{m|` ilpmnhnhk m gk|gg

    i| ag|pnampg pi aihpnhwg |gagnunhk

    hmhanmc mn`# mh` pbg KVM ~iw dwqp

    dmnhpmnh(

    Qabim|qbnv: dihg~ i| aiccgkg pbmp

    ~iw `ihp bmug pi |gvm~? m{m|`g`

    lmqg` ih k|m`gq# pgqp qai|gq#

    dmji|# bg|npmkg i| ipbg| a|npg|nm# mh`qidgpndgq# hmhanmc hgg`(

    Qggapnug Qg|unag |gknqp|mpnih:

    dmcgq "anpnzghq mh` gcnknlcg

    hihanpnzghq. mkg =2

  • 7/30/2019 Fund Your Future 2012-2013

    40/40

    Pi bgcv `gpg|dnhg {bmp

    qbiwc` lg ih ~iw| amcgh`m|#|gung{ vmkgq