You will need the Flash plugin to view this dynamic publication
Download the Flash plugin for free here. Just refresh this page after installing Flash.
Also make sure that javascript is enabled in your browser.
Alternatively, you can download this publication in PDF-format - Click here.
Page 1
Page 2
Page 3
Page 4
StartingOverUntillastsum-merMichaelLindmanspentmoneyfreely.x1cIwasauniontruckdriverfor35yearsandhadagoodincomex1dsaidLindman.x1cIownedmyownhomesavedalittleandtriedtolivewithinmyownbudget.Youalwaysthinktherex19sgoingtobethatmuchcominginbutthingscanchangeinasplitsecond.x1dThechangeforMichaelbeganwhenhewaslaidoff.LuckilyMichaelhadthreemonthsx19salarysavedforjustthiskindofemergency.InJulyhoweverdisasterstruck.Michaelwashospitalizedforsurgerythencomplicationsrequiredasecondsur-gery.Withhissavingsdepletedhecouldnx19tpayhismedicalexpensesmortgageorotherbills.Inadditionhecouldnx19tworkwhilehewasrecovering.Thatx19swhenMichaelfoundIowaSaves.Michaelgotone-on-onecoachingfromanIowaSavescoordi-natorwhohelpedhimfindwaystodecreasehismortgagepaymentandgothimhookedupwithfoodstamps.x1cIdonx19tknowwhereIwouldbewithoutthehelpofthoseatIowaSavesx1dsaidLindman.Attheirsuggestionhetookafinancialeducationclassx14whichhelpedhimfigureoutotherwaystocutdownexpensesx14andacareerreadinessprogramthatgothiminterestedinschool.Withthehelpofstudentloansandgrantshethencompletedaone-semesterbuildingmaintenanceprogramatDesMoinesAreaCommunityCollege.HeevenmadetheDeanx19sList.InthepasteightmonthsMichaelhasrestructuredhisfinancesandfocusesonsavingforthefuture.x1cIx19mnowseeingthelightattheendofthetunnel.ThefirstthingIx19mgoingtodoisgetmyemergencyfundbackontrackagain.Itwilltakealit-tletimebutitstartsalittleattime.Evenifitx19sjust5aweekx14itaddsup.x1dCAMPAIGNNEWSThereWhenYouNeedUsMICHAELLINDMANx13IOWASAVERFALL2011WWW.AMERICASAVES.ORG2011RetirementConfidenceSurveyResultsOnlyhalfofsurveyparticipantssaytheyareconfidenttheywillbeabletoreachtheirretirementsavingsgoalOnly6in10saytheyarecurrentlysavingforretirementSourceEmployeeBenefitResearchInstituteandMathewGreenwaldAssociatesInc.2011RetirementConfidenceSurveyfactsFamilyWealthAMERICANSaverSTARTSMALL.THINKBIG.www.AmericaSaves.orgCheckitoutAmericaSavesispleasedtoannouncethatwenowhavemobilefriendlypages.WiththesenewfeaturesyoucaneasilyjoinAmericaSaves.organdfindadvicetipsandstoriestohelpyousavewhereveryouarex14rightfromyourmobilephone.AmericaSavesJoinsSaveUptoGivePeopleaRewardingWaytoSaveBecauseAmericaSavesiscommittedtofindinginnovativewaystohelpyousucceedfinanciallywehaveteamedupwithSaveUpanewfinancialrewardsprogramthatrewardsAmericansforsavingmoneyandpayingdowntheirdebts.WithSaveUpeverytimeyoumakeadepositinyourownsavingsaccountormakeanon-timepaymentonyourownloanyougetchancestowinrealprizes.Registertodayatwww.saveup.comAmericaSavesandearn100bonuscreditsforbeingpartofAmericaSaves.
Page 2
Page 3
Page 4
StartingOverUntillastsum-merMichaelLindmanspentmoneyfreely.x1cIwasauniontruckdriverfor35yearsandhadagoodincomex1dsaidLindman.x1cIownedmyownhomesavedalittleandtriedtolivewithinmyownbudget.Youalwaysthinktherex19sgoingtobethatmuchcominginbutthingscanchangeinasplitsecond.x1dThechangeforMichaelbeganwhenhewaslaidoff.LuckilyMichaelhadthreemonthsx19salarysavedforjustthiskindofemergency.InJulyhoweverdisasterstruck.Michaelwashospitalizedforsurgerythencomplicationsrequiredasecondsur-gery.Withhissavingsdepletedhecouldnx19tpayhismedicalexpensesmortgageorotherbills.Inadditionhecouldnx19tworkwhilehewasrecovering.Thatx19swhenMichaelfoundIowaSaves.Michaelgotone-on-onecoachingfromanIowaSavescoordi-natorwhohelpedhimfindwaystodecreasehismortgagepaymentandgothimhookedupwithfoodstamps.x1cIdonx19tknowwhereIwouldbewithoutthehelpofthoseatIowaSavesx1dsaidLindman.Attheirsuggestionhetookafinancialeducationclassx14whichhelpedhimfigureoutotherwaystocutdownexpensesx14andacareerreadinessprogramthatgothiminterestedinschool.Withthehelpofstudentloansandgrantshethencompletedaone-semesterbuildingmaintenanceprogramatDesMoinesAreaCommunityCollege.HeevenmadetheDeanx19sList.InthepasteightmonthsMichaelhasrestructuredhisfinancesandfocusesonsavingforthefuture.x1cIx19mnowseeingthelightattheendofthetunnel.ThefirstthingIx19mgoingtodoisgetmyemergencyfundbackontrackagain.Itwilltakealit-tletimebutitstartsalittleattime.Evenifitx19sjust5aweekx14itaddsup.x1dCAMPAIGNNEWSThereWhenYouNeedUsMICHAELLINDMANx13IOWASAVERFALL2011WWW.AMERICASAVES.ORG2011RetirementConfidenceSurveyResultsOnlyhalfofsurveyparticipantssaytheyareconfidenttheywillbeabletoreachtheirretirementsavingsgoalOnly6in10saytheyarecurrentlysavingforretirementSourceEmployeeBenefitResearchInstituteandMathewGreenwaldAssociatesInc.2011RetirementConfidenceSurveyfactsFamilyWealthAMERICANSaverSTARTSMALL.THINKBIG.www.AmericaSaves.orgCheckitoutAmericaSavesispleasedtoannouncethatwenowhavemobilefriendlypages.WiththesenewfeaturesyoucaneasilyjoinAmericaSaves.organdfindadvicetipsandstoriestohelpyousavewhereveryouarex14rightfromyourmobilephone.AmericaSavesJoinsSaveUptoGivePeopleaRewardingWaytoSaveBecauseAmericaSavesiscommittedtofindinginnovativewaystohelpyousucceedfinanciallywehaveteamedupwithSaveUpanewfinancialrewardsprogramthatrewardsAmericansforsavingmoneyandpayingdowntheirdebts.WithSaveUpeverytimeyoumakeadepositinyourownsavingsaccountormakeanon-timepaymentonyourownloanyougetchancestowinrealprizes.Registertodayatwww.saveup.comAmericaSavesandearn100bonuscreditsforbeingpartofAmericaSaves.