Alpha Kappa Alpha Sorority Inter-Mountain Cluster conference fliers

ALPHA KAPPA ALPHA SORORITY, INC.
2000 INTER-MOUNTAIN CLUSTER
CONFERENCE
Golden Nugget Hotel
129 Fremont Street
Lao Vegad, NV 89101
October 21, 2000
Hodt Chapter
Theta Theta Omega
Soror Jacqueline R. Hall, Badileuo
Soror Diana G. Shipley
Far Wedtern Regional Director
INTER-MOUNTAIN CLUSTER
CONFERENCE PROGRAM
INTRODUCTION OF REGIONAL COMMITTEE
REPRESENTA TIVES
Committee Reports:
“BLAZING NEW TRAILS: AND WHO SHALL
LEAD?"
8:00 - 8:45 Registration I Continental
Breakfast
8:45-10:00
Welcome Soror E. Lavonne Lewis, Cluster
Conference Chair
AKA Connection.......................Soror Guida Brown
Membership............................... Soror Frances Battle
Program..................................... Soror Carnella Hardin
Constitution.....................Soror Carolyn Parks
Nominating..............................Soror Marian D. Burns
10:00 -10-:15 BREAK
Meditation Soror Barbara Kirkland
10:15-11:15
Introduction of Leadership Training Module
INTER-MOUNTAIN LEADERSHIP
TEAMMEMBERS
Soror Lavern Tarkington, Team Leader
Soror Jacqueline R. Hall
Soror OLwynn Wilder
Soror Christy Scott
Introduction of the Far Western Regional Director
Soror Shirley Car roll, Cluster
Conference Co-Chair
Appointment of C luster Officers
Grammateus
Pbilacter
Soror Jacqueline Brown
Soror Sandra Stewart-Bass
Remarks Soror Diana G. Shipley
21‘<t Far Western Regional Director
11:15 - 12:00 Break-Out Sessions
12:00-12:30 Group Reports
12:30 - 12:40 Summary and Wrap-up
1:00-2:30 LUNCH
2:30-2:45 Closing.........Soror Diana Shipley
Registration Report....Soror Carolyn Parks
ANNOUNCEMENTS
EVALUATION
ADJOURNMENT
Theta Theta Omega Chapter
Kaweeda Adamd Ethel Archibald Dawn Barned Lynette Boggd-AIcDonald Jeddica G. Brown Denide Bryant Domini Calloway E. Rode Coker Stacey Dedmond Dorothy Earle Rodalyn Guy Jacquelyn B. Harr id Jamie Hawkind France Holland Autumn K. Ita Barbara Kirkland E. Lavonne Lewid Amanda AIcWilliamd Carolyn A. Parkd Terri Polite Billie K. Rayford Tina Rimmey Lida Ruddell Barbara Simd Diane Stith Sbirnice Villano
Lea Alved Th aid Baccud Betty T. Bell Irma Brookd Ouida Brown Eldie Bryant Tamela Campbell Annette Craighead Ina Dorman Jodie Gained Jacqueline Hall Alilldred Harr id on Patti Hedter Lo id T. Ice Helen Jenkino Shawnae Lacy Rodalyn AlcCann Grace Al Hid Bertha Pendleton Alaxine Randolph Celede Rayford Quin Riverd Sharon Savage Edna Stated Pamela Thompdon Willa L. White
Rhoda Ande rd on Tarnika Bailey Laid Bolden Jacqueline Brown Belida Brownlee Alarian D. Burnd Shirley Carroll Al arg are t Crawford Brenda Durnov Gwen Gated-Bartlett Darlene Hancock Clair Hart Denell Hoggard Virginia Ingram Dorothy Johndon Wilhelmina Lee Lida AlcNeil Greta Al Hid Franced Perry Sami Randolph Janet Rhoden Donnydd Rucker Elizabeth Sheffield Sandra Stewart-Badd Chanda Travid Beverly Windton
Far Western Region InterMountain Cluster 2000
AKAnomics
Theta Theta Omega Chapter Las Vegas, Nevada
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Soror Billie Knight Rayford - Theta Theta Omega 2000
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FIVE . „ ,
* 5 things you do well
5 skills you could barter
5 things you have read outside of school/work
5 business women you haue heard and met
5 skills you haue and the dollar ualue of each
5 accomplishments this past week
5 things you want to do in flue years
5 ways you plan to saue money in the next flue months
-CREDIT REPORT-
Esperian, National Consumer Assistance Center P. 0. Box 8030; Layton, UT 84041 1-800-520-1221
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Financial Planning
Resource Guide
Far Western Region
InterMountain Cluster 2000
AKAnomics
Theta Theta Omega Chapter
m Las Vegas, Nevada
Kunjufu, Jawanza. Black Economics. 1997
Lawrence, Judy. The Money Tracker: A Quick
and Easy Way to Keep Tabs On Your Spending.
1996
Lynch, Peter. Learn to Earn.1995
Mariotti, Steve. The Young Entrepreneur's
Guide to Starting and Running a Business.
1996
McWhorter, Abner. An Introduction to Business
for African-American Youth. 1997
Orman, Suze. Nine Steps to Financial Freedom.
1997
Quinn, Jane Bryant. Making the Most of Your
Money.
Schwab, Charles. Charles Schwab's Guide to
Financial Independence. 1998
Shirley, Stanley.Live Long and Profit: Wealth
Building for Every Stage of Your Life. 1997
Stanny, Barbara. Prince Charming Isn't
Coming: How Women Get Smart About Money.
1997
Stephens, Brooke. Talking Dollars and Making
Sense. 1997
Stephens, Brooke. Wealth Happens One Day At
A Time, 1999
’The road to wealth is paved with knowledge." ■ Brooke Stephens
Berg, Adriane. Your Financial Life for 18-to 38-Year
Olds. 1995
Bodnar, Janet. Dr. Tightwad's Money-Smart Kids.
1997
Boston, Kelvin. Smart Money Moves for
African-Americans. 1996
Broussard, Cheryl. Black Woman's Guide to Financial
Independence. 1996
Broussard, Cheryl. Sister CEO. 1995
Brown, Carolyn. Nobody's Business But Your Own: A
Business Start-Up Guide for Young
Entrepreneurs, 1999
Brown, Jesse. Investing in the Dream: Personal
Wealth Buidling Strategies. 2000
Dunnan, Nancy. How to Invest $50 - $5000 (7th
Ed}. 1999
Godfrey, Neale S. Ultimate Kids' Money Book. 1998
Godfrey, Joline. No More Frogs to Kiss: 99 Ways to
Give Economic Power to Girls. 1995
Harris, Fran. In The Black:The African-American
Parent's Guide to Raising Financially Responsible
Children. 1998
Hayes,Christopher and Kelly, Kate. Money
Makeovers, 1998
AKAnomics
Theta Theta Omega Chapter
invites you to the
Second Annual Economics Seminar
"MONEY MA TTERS"
Saturday, December 9, 2000
Community College of Southern Nevada
West Charleston Campus
11:00 a.m. - 2:00 p.m.
Soror Billie K. Rayford, Chair
Alpha Kappa Alpha Sorority, Inc. and Omega Psi Phi Fraternity "Money Matters"
Economics Seminar - Las Vegas, Nevada - December 11, 1999
FINANCIAL GOALS WORKSHEET
Short Term Goals
In the upcoming year, I have or anticipate the following major expenses. (This could range from a new car to a much-deserved vacation.)
Item Expected Cost
Long Term Goals
In the next five years, I anticipate the following major expenses. (These might include college tuition for a teenager, a larger home for a growing family, home renovations, or starting your own business.)
Item
Expected Cost
In the next ten years, I anticipate the following major expenses (returning to college, starting a business, providing financial support for or relocating an aging parent.)
Item
Expected Cost
Source:
Broussard, Cheryl. Black Woman's Guide to Financial Independence, 1996
Hayes, Christopher and Kelly, Kate. Money Makeovers, 1998
Alpha Kappa Alpha Sorority & Omega Psi Phi Fraternity "Money Matters"
Economics Seminar - Las Vegas, Nevada - December 11, 1999
Where Does My Money Go???
_________________A Month In My Financial Life_____________
INCOME (what you take in each month)______________________________
Salary/Retirement Benefits (before tax) _______________
Pay from extra jobs (before tax) _______________
Investment income, such as interest earnings and dividends (before tax) _______________
Scholarships _______________
Other _______________
TOTAL INCOME PER MONTH (before tax) _
| EXPENDITURES (what you pay out each month)
Federal, state, and local income tax and FICA
Tax on investment income
Mortgage or rent
Savings (amount regularly saved each month)
Groceries
Utilities (Gas, electricity, water)
Telephone (include cellular and beeper costs)
Eating out (include morning coffee, snacks, lunches)
Clothes
Student loan payments
Car loan payments
Car expenses (gas, repairs, maintenance)
Public transportation (bus, taxi)
Health insurance premiums
Homeowners/renter’s insurance premiums
Auto insurance premiums
bisability insurance premiums
Life insurance premiums
Home expenses (furnishings, maintenance)
Laundry, dry cleaning
Tuition
Child care
Medical & dental expenses not covered by insurance
Bank fees
Hobbies
Night life
Movies, theatre, cable TV
Computer software, Cds, cassettes
Gifts
Vacations
Magazines, newspapers, books
Personal care (hair, toiletries, cosmetics)
Health club fees
Membership fees, charitable contributions
Pets, pet care
Miscellaneous
TOTAL EXPENDITURES PER MONTH
Alpha Kappa Alpha Sorority & Omega Psi Phi Fraternity "Money Matters"
Economics Seminar - Las Vegas, Nevada - December 11, 1999 A Month In My Financial Life AND THE ANSWER IS . . .
TOTAL MONTHLY INCOME _______________________
minus TOTAL MONTHLY EXPENDITURES _______________________
equals your MONTHLY CASH FLOW _______________________
Now that you have evaluated your monthly spending habits, following are some financial rules of thumb for you to consider:
The Debt Rule: Your total debt (not including your mortgage) should be less than 20% of your annual take-home pay.
The Housing Rule: Spend no more than 30% of your monthly take-home pay on rent or mortgage payments.
The Savings Rule: Save at least 10% of your take-home pay each month.
Pay yourself first.
Sources:
Boston, Kevin E. Smart Money Moves For African-Americans, 1996
Kobliner, Beth. Get A Financial Life, 1996
Alpha Kappa Alpha Sorority & Omega Psi Phi Fraternity "Money Matters"
My
Net-Worth Statement
Assets
Liabilities
(Has cash value)
(Your Debts)
Liquid Assets
Current Debts
Cash and Checking Account
$_____
Rent/Mortgage
$_________
Money Market Account
$--------
Charge Accounts
$
CD’s and Savings Account
$
Insurance Premiums
$
Stocks and Mutual Funds
$
Education
$
Bonds
$
Other
$
Cash Surrender Value Life Insurance
$_____
Total
$________
Other
$_____
Taxes
Total Liquidation Assets
$_____
Federal
$________
Investment Assets
State
$________
Real Estate
$_____
Property Taxes
$________
IRA/Keogh
$_____
Social Security
$________
Business Ownership Interest
$._____
Total
$________
Annuities
$
Other Loans
Money Owed To You
$_____
Auto
$________
Collectibles
$
Education
$
Tax Shelters
$_____
Life Insurance
$________
Vested Pension
$_____
Home Improvement
$________
Home Mortgage
$
Other
$________
Total Investment Assets
$_
Total
$
Personal Assets Home Equity
$_____
Automobile
$_____
Clothing/Jewelry /Art etc.
$
Net Worth
Household Goods
$_____
Total Assets
$
Other
$
Total Liabilities
(Minus -) $_______
Total Assets
$_____
Net Worth
$______
—
Economics Seminar - Las Vegas, NV
-12/11/99
Alpha Kappa Alpha Sorority, Inc & Omega Psi Phi Fraternity "MONEY MATTERS" - Economics Seminar- December 11,1999
ITS TIME TO GET YOUR TAX ACT TOGETHER
Your mailbox has been filled with income and investment statements so you know that it is a sure sign of tax season. It is imperative that you gather receipts and save documents that apply to the completion of your IRS 1040 tax form.
This basic checklist will assist you in having the right data at your fingertips as you start crunching the tax numbers. Remember this is a “basic" list. Individual circumstances may require additional information and forms.
INCOME
_____Form W-2 for wages
____Forms 1099,1099-DIV, 1099-INT, 1099-0ID for interest and dividend statements
_____Form 1099-R Distributions from
Pensions, Annuities, Retirement or Profit-Sharing Plans, IRA’s, Insurance Contracts, etc.
_____Form 1099B for securities and sales transactions during 1998
**This statement only indicates your sales. Purchase invoices or canceled checks that show how much you paid for the stock and the date the purchase was made should also be available.
**If you held securities through a stock split, have available any statements or company letters about the split. This affects the calculation of your cost basis in the stock.
____Year-end bank, brokerage, and mutual fund reports.
DEDUCTIONS
______Form 1098 mortgage interest paid on your home
______Real estate tax payment receipts if not included on mortgage statement
______State income tax paid in 1998 (Nevada does not have a state income tax)
______Auto registration receipt(s)
______Charitable contribution receipts or canceled checks. Deducting charitable contributions requires extra paperwork if you made a single cash or noncash contribution of $250 or more or the total noncash donations to all sources was over $500. You will need to complete Form 8283.
______Unreimbursed business expenses - Check IRS Publications 17, 535, and Business Expenses for details on deductibles expenses.
______Medical Deductions - Collect medical bills and claim deductions amounts that exceed 7.5 percent of your adjusted gross income. Deductible medical expenses generally includes hospital expenses you paid, lab work, dental and eye care costs, prescription medicine and insurance premiums. You may not deduct medical costs that are reimbursed to you by an insurer.
$ $ $ ECONOMICS SEMINAR $ $ $
ALPHA KAPPA ALPHA SORORITY, INC OMEGA PSI PHI FRATERNITY
THETA THETA OMEGA CHAPTER & KAPPA XI CHAPTER
Present
The First Annual Community Economics Seminar "MONEY MATTERS"
Date: December 11,1999 Time: 11:00 a.m. - 1:00 p.m.
Place: Community College of Southern Nevada, West Charleston Campus Building D - Room 152
5375 W. Charleston Blvd.
Las Vegas, NV
Sessions:
General Session: 11:00 a.m. Session I: 11:15 - 12:00 Session 2: 12:10 -12:55
Topics to presented in each session:
Participants will have the opportunity to choose two 45 - minute sessions with dynamic speakers including:
Establishing Good Credit - Eric Adams, Independent Consultant will provide tips on how to get you financial house in order by establishing good credit. The session will show how your credit habits affect your credit report and what you can do to repair it.
Insurance, What you need and what you don't! - Leon Pearson, Agent for State Farm Insurance will help you discover how much protection you should have, if any, in each of the basic categories: health, auto, disability, home/apartment, and life.
Retirement Planning, Living the Good Life in 2025 - Jeff Clemons, Field Director, Northwestern Mutual Life will outline tax-favored retirement plans that will allow your savings to grow at a respectable rate such as 401(k)s, 403(b)s, Individual Retirement Accounts (IRAs), and annuities.
What About Investing in Stocks, Bonds, Mutual Funds? - Fred Snyder, Financial Analyst, A. G.
Edwards & Company will help you determine when it is appropriate to add stocks, bonds, and mutual funds to your investment portfolio and how to select stocks, bonds, and mutual funds that are appropriate for your financial goals.
Real Property Ownership, Oh Give Me A Home - Brenda Dumas, a licensed real estate agent will give share advice on purchasing a home, shopping for a mortgage, and shopping for special mortgage programs.
Money Smart Kids - Ernest Fountain, Administrator for Enterprise Federal Credit Union - This session is specifically designed for the younger seminar attendees. The importance of establishing wise saving, earning, spending, and investing habits will be discussed in the session.
DOOR PRIZES WILL BE AWARDED AT THE CLOSING SESSION!!!!!!
"Money Matters"
AGENDA
I.
Welcome and Introductions Billie Knight Rayford & Dr. Andre Denson
II.
Workshop Overview Billie Knight Rayford & Dr. Andre Denson
in.
Workshop Sessions -
Session I -11:15 - 12:00 Session 2: 12:10-12:55
Workshop#!: ESTABLISHING GOOD CREDIT - Room 224
Presenter: Eric Adams Facilitator: Ricky Crosby
Workshop #2: INSURANCE, WHAT YOU NEED AND WHAT YOU DON'T! Room 222
Presenter: Leon Pearson Facilitator: Damon Hodge
Workshop #3: RETIREMENT PLANNING, LIVING THE GOOD LIFE IN 2025 Room 219
Presenter: Jeff Clemons Facilitator: Dr. Andre Denson
Workshop #4: WHAT ABOUT INVESTING IN STOCKS, BONDS, MUTUAL FUNDS Room 210
Presenter: Fred Snyder Facilitator: Eric Lewis
Workshop #5: REAL PROPERTY OWNERSHIP Room 226
Presenter: Brenda Dumas Facilitator: Carolyn Parks
Workshop #6: MONEY SMART KIDS Room 227
Presenter: Ernest Fountain Facilitator: Celese Rayford
IV.
Closing Session Billie Knight Rayford & Dr. Andre Denson
Door Prizes
SPECIAL THANKS TO:
PRESENTERS COMMUNITY COLLEGE OF SOUTHERN NEVADA
Eric Adams Ernest Fountain Thomas Brown Frank Lassus
Jeffery Clemons Leon Pearson Chris Chairsell Dee Stamiri
Brenda Dumas Fred Snyder Michelle Gonzalez
FOX 5 TV - Lillian McMorris, Host KCEP 88.1 RADIO - Larry Weekly, Host
ECONOMICS SEMINAR COMMITTEE
Alpha Kappa Alpha Sorority, Inc. Omega Psi Phi Fraternity
Theta Theta Omega Chapter Kappa Xi Chapter
Ouida Brown Daryl Daniels
Marian Bums Damon Hodge
Barbara Kirkland Kevin Epponsor
E. Lavonne Lewis Eric Lewis
Amanda Oliphant McWilliams Andre Denson, Co-Chair Economics Seminar Committee
Carolyn Parks Ricky Crosby, President Kappa Xi Chapter
Celese Rayford
Sharon Savage
Billie Knight Rayford, Co-Chair Economics Seminar Committee
Jacqueline Hall, President Theta Theta Omega Chapter
ALPHA KAPPA ALPHA SORORITY, INC OMEGA PSI PHI FRATERNITY
THETA THETA OMEGA CHAPTER & KAPPA XI CHAPTER
"MONEY MATTERS"
EVALUATION
Please rate each area on the following scale:
1 - Poor 2 - Fair 3 - Good 4 - Very Good 5 - Excellent
1.
Organization of Seminar 1 2 3 4 5
2.
General Session 1 2 3 4 5
Please rate the workshops you attended:
3.
Workshop # 1 - Good Credit 1 2 3 4 5
4.
Workshop #2 - Insurance 1 2 3 4 5
5.
Workshop #3 - Retirement Planning 1 2 3 4 5
6.
Workshop #4 - Investing in Securities 1 2 3 4 5
7.
Workshop #5 - Real Property Ownership 1 2 3 4 5
8.
Workshop #6 - Smart Money Kids 1 2 3 4 5
9.
Closing Session 1 2 3 4 5
10.
Facilities 1 2 3 4 5
11.
Conference Resource Materials 1 2 3 4 5
12.
How did you hear about the conference? Radio TV Newspaper Flyer
Friend Other_____________
13.
Would you attend a follow-up workshop? Yes No
If yes, what topics would be of interest?______________________________________
14. Comments_______________________________________________________________