There are plenty of ways to get ahead.

The first is so basic Im almost embarrassed to say it: SPEND LESS THAN YOU EARN.

WHY SHOULD WE SAVE?

We save for important items and milestones

n our lives e.g. Getting Married, Buying a

House, Childrens Education, Vacation,

Retirement..

HOW SHOULD I GO ABOUT IT?

Define your goals itemize and prioritize your objectives Set deadlines for achieving each objective Be willing to come out of your comfort zone

START SAVING NOW!

Realize that you are never too young/old to start saving Use time to your advantage: the earlier and more aggressively you start, the better your eventual result will be Choose the right account for your needs Save consistently Dont forget your contingency fund A good benchmark is 6 months worth of expenses but you may be comfortable with more

BUDGET
My problem lies in reconciling my gross habits with my net income - Errol Flynn A budget is just a method of worrying before you spend money, as well as afterwards - Unknown

BE DISCIPLINED
Develop a savings habit by setting up a regular savings plan Salary deductions are your friend Impose restrictions on yourself to maintain your new habit

BE DISCIPLINED
VMBS accounts serve just that purpose Safe Attractive rates Discipline aided by No withdrawals during 1 yr contract period stipulation No ATM cards attached to this account Minimum deposit $3,000

WATCH IT GROW

Monthly Deposit $ 3,000.00 $ 10,000.00

Balance after 1 Year $ 38,042.28 $ 127,471.55

Balance after 5 Balance after 10 Years Years $ $ 232,483.77 607,752.38 $ $ 793,670.16 2,130,297.67

Deposit $

25,000.00 $ 100,000.00 $ 500,000.00 $ 1,000,000.00

Balance at 5 year Maturity Date $

$ 50,283.93 $201,135.72 1,005,678.59 $ 2,011,357.19

CONSULT A FINANCIAL ADVISOR

Visit or offices and speak with a

VMBS Financial Service Specialist OR Let a VMBS Financial Service Specialist visit you Discuss with the Financial Advisor your goals and let him help choose a product that will be just right for your needs Discuss the possibility of separate accounts for different goals