《花旗银行内部》.ppt

Activity 1………………Saving vs. Investing
Activity 2……….….Saving for a Rainy Day
Activity 3……………………..1 + 1 = Saving
Activity y Management, Activity 2 – Overhead 1
SAVING FOR A RAINY DAY
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Slide 2 - Reasons to Save Lesson Reference: Money Management, Activity 2 – Overhead 2
REASONS TO SAVE

Provide for unexpected emergencies.
Purchase expensive items in the future.
Ensure retirement.
Plan for investment opportunities.
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Slide 3 – Concerns and Issues When Saving Lesson Reference: Money Management, Activity 2 – Handout 1
CONCERNS AND ISSUES
WHEN SAVING
• Safety
• Restrictions
• Liquidity
• Earnings
• Taxes
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Slide 4 – Places to Save Lesson Reference: Money Management, Activity 2 – Handout 2
PLACES TO SAVE
• Savings Accounts
• Money Market Accounts
• Certificates of Deposit (CDs)
• Savings Bonds
• Insurance
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Slide 5 - Looking at Places to Save Lesson Reference: Money Management, Activity 2 – Overhead 3
LOOKING AT PLACES TO SAVE
On a scale of 1 to 5 (with 1 being low and 5 being high), rate the
following places to save your money.
Based on the above ratings, where would you save your money? Why?
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Money Management - Activity 3
ACTIVITY 3
1 + 1 = Saving
Overview
Types of interest
The impact of saving
Savings regulations
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Slide 1 - Types of Interest Lesson Reference: Money Management, Activity 3 – Overhead 1
TYPES OF
INTEREST
Which type of return on
your money would you
prefer?
What’s the difference?
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Slide 2 – Returns on Savings Lesson Reference: Money Management, Activity 3 – Handout 2
IMPACT OF RETURNS ON SAVINGS
This chart shows what happens at several different rates to $100 in an account when no money is withdrawn and interest is compounded yearly.
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Slide 3 - Savings Regulations Lesson Reference: Money Management, Activity 3 – Overhead 2
SAVINGS REGULATIONS
Federal Government Insurance
Deposits are potentially insured up to $100