Primerica Newsroom

Citi Announces Filing of Registration Statement for Primerica IPO

Citigroup Inc. (NYSE: C) — Fri, 06 Nov 2009 15:00:00 GMT-5

FOR IMMEDIATE RELEASE Citigroup Inc. (NYSE: C) November 5, 2009

NEW YORK - Citi (NYSE: C) announced today that its subsidiary, Primerica, Inc. ("Primerica"), has filed a registration statement with the U.S. Securities and Exchange Commission for an initial public offering.

Primerica, a leading distributor of financial products to middle income households in North America, has approximately 100,000 licensed sales representatives who assist clients in meeting their needs for term life insurance, which Primerica underwrites, as well as mutual funds, variable annuities, loans and other financial products.

"Today's announcement represents an important step in simplifying our organization and demonstrates our continued success in finding solutions for Citi Holdings, our non-core businesses. We believe this is the best separation alternative for this franchise," said Michael Corbat, Chief Executive Officer of Citi Holdings.

Primerica co-Chief Executive Officer John Addison said, "This is an important step in our company's history, and we look forward to completing the offering and becoming a public company." Rick Williams, Primerica co-Chief Executive Officer, said, "Becoming a public company is an opportunity to align the interests of our independent sales force and our employees with our future performance."

Through reinsurance arrangements with Primerica, covering term life insurance policies in place as of December 31, 2009, Citi will continue to receive a significant stream of income from the Primerica business. Primerica will continue to administer the policies under this arrangement, and the policies will continue to retain the underlying reserve and capital strength that Primerica and Citi currently provide.

After completion of this offering, Citi intends to divest its remaining interest in Primerica as soon as is practicable, subject to market and other conditions. All of the shares to be sold in the offering will be sold by Citi, and Citi will receive all of the proceeds from this initial public offering.

Citigroup Global Markets Inc. will act as sole book-running manager for the proposed offering.

A copy of the prospectus relating to these securities may be obtained, when available, from: Citi, Brooklyn Army Terminal, 140 58th Street, 8th floor, Brooklyn, NY 11220. Telephone: 800-831-9146 or email to: batprospectusdepartment@citi.com.

A registration statement relating to these securities has been filed with the Securities and Exchange Commission but has not yet become effective. These securities may not be sold nor may offers to buy these securities be accepted prior to the time the registration statement becomes effective. This release shall not constitute an offer to sell or the solicitation of an offer to buy nor shall there be any sale of these securities in any State in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such State.

###

Citi, the leading global financial services company, has approximately 200 million customer accounts and does business in more than 140 countries. Through Citicorp and Citi Holdings, Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, and wealth management. Additional information may be found at www.Citigroup.com or www.Citi.com.

Certain statements in this announcement are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act. These statements are based on management's current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors. There is no obligation to complete the initial public offering of Primerica. Consummation of the initial public offering of Primerica is subject to numerous conditions, many of which are beyond the control of Citi, including: prevailing conditions in the capital markets; prevailing economic, political and market factors affecting the demand for Primerica's common stock; regulatory matters and other factors. No assurance can be given that Citi will complete the initial public offering of Primerica or, if it does, as to the price or amount of Primerica common stock that Citi will sell, or the dates when such sale will take place. The planned initial public offering of Primerica may be abandoned at any time. Citi undertakes no obligation to update these statements for revisions or changes after the date of this announcement.

CONTACTS:

Media:	Shannon Bell, Citi, (212) 793-6206 Alex Samuelson, Citi, (212) 559-2791
Investors:	John Andrews, Citi, (212) 559-2718
Fixed Income Investors:	Ilene Fiszel Bieler, Citi, (212) 559-5091

Primerica Makes $10,000 Donation to Gwinnett County Public Schools

Gwinnett Business Journal — Thu, 24 Sep 2009 19:13:01 GMT-5

Gwinnett Business Journal, September 2009

Primerica Financial Services continues to enrich the education of Gwinnett children district‑wide. Serving as a leading business partner with the Gwinnett County Public Schools Foundation Fund Inc., Primerica has donated $10,000 to the foundation. The 2009 Primerica Financial Services grant will support academic and college access programs for low to middle income students across the school district.

“Primerica is proud to be a partner with the Gwinnett County Public Schools Foundation Fund,” says Anne Soutter, Vice President, Primerica Community and Foundation Relations. “Our goal is to make an investment in education for this county, and to be part of the development of our future community and business leaders – our students.”

Primerica has provided ongoing support for the Gwinnett Student Leadership Team and for the nine schools of the Berkmar Cluster. Setting a corporate example for over a decade, Primerica’s highly successful mentoring program has allowed its employees to donate over 100 volunteer hours per year in service to Gwinnett schools.

Primerica Presents Three Ideas for Stimulus Refunds

Primerica Financial Services — Thu, 30 Jul 2009 16:32:24 GMT-5

Workers who earn less than $75,000 a year, have likely already seen an adjustment to tax withholding in their paycheck that gives them an extra $45 or so ($65 for married workers) per month.¹

Primerica, a financial services industry leader, presents three ideas for maximizing the stimulus refund.

Boost an emergency fund. Nearly 50% of Americans say they’d be insolvent in one or two months if they lost their job.² That’s a scary statistic in a time of high unemployment. Primerica suggests clients try to save at least six months’ worth of expenses so they won’t have to touch retirement accounts or home equity in the event of an emergency.
Pay down high‑interest credit card debt. This is the best investment a family can make right now. If a card holder is paying 19% in interest, eliminating that debt is like giving themself a 19% return on their money!
Direct deposit the refund for the future. The IRS now allows people to take advantage of direct depositing their tax refund directly into an IRA. Instead of spending the refund, it’s a great idea to put that refund “to work.” Clients can contribute up to $5,000 in 2009 and $6,000 if they are age 50 or above.³

For more money‑maximizing tips, visit How Money Works.

Kiplinger’s, June 2009. The stimulus begins to phase out for single filers who earn $75,000, disappearing entirely at $95,000. For married couples filing jointly, the phase‑out starts at $150,000 and ends at $190,000.
Money, April 2009
Contributions limits for Roth IRA are subject to reduction and may be phased out based on individual’s adjusted gross income (AGI). Consult your tax advisor with any questions regarding your situation.

Securities offered by PFS Investments Inc. 3120 Breckenridge Blvd. Duluth, GA 30099

Primerica Presents Tips to Boost Finances In a Tough Economy

Primerica Financial Services — Tue, 21 Jul 2009 04:30:03 GMT-5

It’s been a tough year financially for many families due to a sluggish economy. In times like these, many people look for ways to cut costs and stash more cash to tide them over until the recession eases.

Primerica, a financial services industry leader, presents three tips for boosting finances in a tough economy.

Make Positive Changes Last. Many surveys show that Americans are shifting their priorities in profound ways. For example, 63% say they are less materialistic, and 70% say they consider spending time with family more important than ever. Sixty‑three percent vow to no longer carry a credit card balance, and many are saving more – the personal savings rate has soared to 5.7%, the highest since 1995.1 Once families adopt these changes, it’s a good idea to continue them even when the economy gets better.
Pay With Cash or Checks. People who pay with credit or debit cards tend to: buy more things, pay a higher price for them (sometimes twice as much) and become less aware of how much they’ve spent than those who pay with cash or checks.2 Clients can avoid these pitfalls by putting plastic away for good. One way to get into the habit of using cash for everyday purchases is to set up a cash envelope system with one envelope for groceries, one for entertainment, etc.
Earn Extra Money. Start a part‑time business or work a few hours a week at a second job to beef up a college savings or retirement savings account. Business opportunities, such as Primerica’s part‑ or full‑time opportunity, are great ways to do something enjoyable while earning extra money each month.3 More information is available here: www.PrimericaBusinessOpportunity.com.

CNNMoney.com, June 1, 2009
Money, July 2008
In Canada, the part‑time option is not available in all jurisdictions and, where it is available, is subject to certain restrictions.

Primerica Presents Four Tips for Helping Teens Find Summer Jobs

Primerica Financial Services — Fri, 10 Jul 2009 13:33:22 GMT-5

The tough economic climate is impacting people from across the spectrum. So, teens looking for summer work may be feeling the pinch just like everyone else. In fact, only 30% of teens currently have a summer job and the unemployment rate has risen to 22.7%.¹

Primerica, a financial services industry leader, recognizes that times are tough for job seekers – both young and old – but offers four tips to help kids find seasonal employment.

Network for success. Besides checking the classifieds and online job boards, contact family friends and let them know about teens looking for work.
Visit government sites. The stimulus plan set aside money for one million summer jobs for youths.²
Check discount stores and fast‑food chains. These outlets are thriving during the recession.
Don’t ignore volunteerism. It’s a great résumé and character builder.

Working a summer job is a great way to help teens learn to become financially responsible. For more ideas on helping kids develop good money skills, parents can visit www.primerica.com to locate a local representative to request the latest version of Primerica’s Solutions Newsletter.

www.WSAV.com, June 10, 2009
Money, May 2009

Beware of Debt Payoff Scams, Primerica Urges Consumers

Primerica Financial Services — Wed, 24 Jun 2009 14:42:55 GMT-5

Press Release, June 16, 2009

A recent survey shows the median amount of household credit card debt is $6,600 and the average debt load is almost $9,900. Further, of the 88 million credit card-carrying households, 61% carry a balance from month to month.¹

For clients who feel like they’re sinking under the weight of debt, looking into a debt or credit “help” firm may seem like a good idea. But some of these firms that promise to eliminate debt or repair credit may not be operating in compliance with the law, and doing business with them could have long-term negative effects on the client’s credit report and ability to get credit.

Primerica, a financial services industry leader, urges clients to beware of six key “red flags” when researching a debt elimination or credit repair service.²

Red Flag #1: The company wants the consumer to pay for credit repair services before any such services are actually provided.

Red Flag #2: The client is not made aware of their rights and no information on what can be done for free is provided.

Red Flag #3: The firm recommends the client does not contact any of the three major credit reporting companies directly.

Red Flag #4: The client is told that the debt firm can get rid of most or all of the accurate negative information in their credit report.

Red Flag #5: The company suggests the client invents a “new” credit identity.

Red Flag #6: The client is advised to dispute all the information contained in their credit report regardless of its accuracy or timeliness.

For more information about debt payoff scams, contact the Federal Trade Commission at: 877-FTC-HELP (877-382-4357) or visit www.ftc.gov. To learn about Primerica’s debt solutions, visit www.primerica.com.

Los Angeles Times, www.latimes.com, viewed June 8, 2009
www.FTC.gov, viewed February 25, 2009

Six Reasons a Roth IRA May Be a Good Investment

Primerica Financial Services — Tue, 09 Jun 2009 16:53:05 GMT-5

Press Release, June 1, 2009

For the first time in a long time, Americans are saving more and spending less – and many economists expect that savings trend to continue rising.1

Primerica, a financial services industry leader, presents six reasons why opening a Roth IRA may be a great way to prepare for the future. In fact, Kiplinger’s Personal Finance magazine labels today’s Roth IRA as “Best all-around retirement account.”2

Clients pay less tax on savings. For older savers, this means an IRA can help rebuild any losses to their nest egg. Younger savers stand to gain even more, because they have more time to invest their savings and let them grow tax-free.

Contributions and earnings can be withdrawn tax-free after age 59 ½. This applies to accounts that are at least five years old – making it a great choice for long-term savers.

Families can tap earnings early to pay for college or buy a first home.

Savers can withdraw contributions (but not any earnings) to a Roth IRA tax‑free and penalty-free at any time. This benefit could come in handy if an unexpected major expense or emergency arises. Of course, by withdrawing funds early, the client also gives up future earnings on that cash.

For 2009, you can contribute up to $5,000 into a Roth plus an additional $1,000 for clients age 50+, subject to income limits.3

As growth in a Roth IRA may be tax-free, clients are encouraged to consider converting a Traditional IRA to a Roth IRA. During 2009, the opportunity to convert a regular IRA to a Roth IRA is only available to those who have a modified adjusted gross income of $100,000 or less. However, this income restriction is scheduled to be completely eliminated in 2010. A conversion has tax consequences. If you are considering this option, you should consult your tax advisor.

For young people just starting out, the Roth IRA is an excellent choice because it allows them to enjoy tax-free growth with the flexibility to withdraw contributions (excluding earnings) any time, tax- and penalty-free. Older savers can enjoy a special “catch up” provision that allows them to save an extra $1,000 in a Roth.

Primerica helps clients make an informed decision about how to best utilize their money. Clients are encouraged to visit www.PrimericaFNA.com to learn more about Primerica’s free, personalized financial snapshot.

1 Foxnews.com, February 1, 2009
2 Kiplinger’s, December 2008
3 For the year 2009, married individuals who file jointly can contribute $5,000 ($6,000 if 50 or older) to a Roth IRA if their modified adjusted gross income (MAGI) is below $166,000. If their MAGI is between $166,000 and $176,000, then they can contribute some amount less than their full limit. If their income exceeds $176,000, they are not eligible to contribute to a Roth IRA for 2009.

Securities offered by PFS Investments Inc. 3120 Breckenridge Blvd. Duluth, GA 30099

MSNMoneyCentral, viewed January 15, 200
MSNMoneyCentral, viewed June 11, 2008
Money, March 2008

Primerica Financial Services, headquartered in Duluth, Georgia, is the largest financial services marketing organization in North America, with more than 100,000 licensed independent representatives. The company provides its 6 million clients with quality financial products and services, including term life insurance, mutual funds, variable annuities, loans, auto and homeowners insurance and long-term care insurance. Primerica conducts business in the US, Canada, and Puerto Rico; the company also operates in Spain as PriEurope.

Additional information about Primerica is available on its web site: www.primerica.com.

SUCCESS Symposium Energizes Crowd with Inspiration

Sandra Bienkowski — Fri, 29 May 2009 13:30:00 GMT-5

www.SuccessMagazine.com, May 20, 2009

More than 2,000 people from around the world gained pivotal insights and inspiration from top personal-development experts at SUCCESS magazine’s third SUCCESS Symposium, hosted in Dallas.

“You will only have the external outcomes of money, success, health, relationships and prestige that match your level of internal personal development,” SUCCESS Publisher and emcee Darren Hardy said as he kicked off the event.

The lineup of speakers included New York Times best-selling author Stedman Graham; America’s foremost authority on leadership, John C. Maxwell; motivational expert John Addison, CEO of the $2 billion Primerica Financial Services; best-selling author, humorist and behavior expert Connie Podesta; best-selling author and influence expert Chris Widener; and syndicated radio host and life coach Mel Robbins.

Personal-development icon Jim Rohn surprised the crowd with a phone call to share a few words of wisdom. Rohn, who has been battling illness, said he’s on the road to recovery because of all the good wishes and positive thoughts sent to him from around the world. He received a standing ovation as soon as the crowd heard his voice.

“Say an encouraging word to another. Help another and you will be the one who benefits most,” Rohn said. “Pass along a book that made a difference in your life to another. Let your name appear in someone else’s testimonial for having given them the information that changed their life.”

Colleagues, protégés, business leaders and other personal development experts also paid tribute to Rohn in a special video presentation. (See the Jim Rohn tribute at video.success.com.)

Participants raved about the symposium. One called it “a hint beyond incredible.” Heather Brown of Brandon, Fla., said the event “brought me back to the reality of who I need to be and want to become for myself and my family.”

Juliana Krijan of San Diego said the symposium gave her “great ideas and practical information I can start using tomorrow to grow my business. I had never heard these ideas before. I was very impressed.”

Primerica Urges Consumers to Do a Life Insurance Checkup

Primerica Financial Services — Tue, 05 May 2009 16:54:41 GMT-5

Press Release
April 27, 2009

Having proper life insurance protection – particularly for families with children – is a crucial element to a firm financial foundation. Today, just one third of American adults own a life insurance policy, and among those who do, two out of five think they don’t have enough.¹ Some financial experts recommend parents with young children have coverage that’s 10 times their annual income.²

Primerica, an industry leader, encourages clients to do a life insurance checkup to make sure they are still adequately covered.

For many families, term insurance is the most cost effective option. In fact, experts agree that term insurance, which only provides a death benefit, is almost always the best choice. Compared with a whole life policy, term allows the consumer to purchase more coverage for less money.³

Primerica only markets term life insurance. Visit www.PrimericaFNA.com for a free Financial Needs Analysis or to learn more.

MSNMoneyCentral, viewed January 15, 200
MSNMoneyCentral, viewed June 11, 2008
Money, March 2008

Primerica representatives market term insurance underwritten by the following affiliated companies in these respective jurisdictions: National Benefit Life Insurance Company (Home Office: New York, NY) in New York; Primerica Life Insurance Company (Home Office: Boston, MA) in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada in Canada.

Primerica Presents Three Ways to Curb Spending

Primerica Financial Services — Wed, 22 Apr 2009 15:10:19 GMT-5

Press Release, April 2009

In today’s economy, many families are worried about layoffs, foreclosures and mounting debt. They’re looking for ways to cut costs, save more and make smarter money choices for their future.

Primerica, a financial services industry leader, believes one of the first steps toward getting on track for a bright financial future is to create better spending and saving habits. To help clients get into the mindset of making better money choices, Primerica presents three easy ways to curb spending.

Track purchases. Little purchases made every day can add up to big money at the end of the month. Clients are encouraged to keep track of expenditures by either writing them down in a notebook or purchasing budgeting software. Families might be surprised at just how much they didn’t realize they were spending.
Minimize ATM visits. ATM withdrawals can add up quickly if the client isn’t tracking them. It’s easy to keep pressing that withdrawal button and even taking out the minimum $20 at a time can add up quickly. The best plan is to set a limit on withdrawals per week and stick to it.
Cut spending by small amounts first. Breaking the over‑spending habit isn’t likely to happen overnight. Primerica urges clients to start small, say reducing spending by 10%. Once a family gets used to that adjustment, they can work their way up to a more aggressive cost‑cutting strategy.

Discretionary spending (e.g. eating out, entertainment, movie rentals, etc.) isn’t a bad thing, but over‑spending – particularly in times of economic upheaval – can put families into a precarious position if debt becomes too high or if the breadwinner is laid off.

As families learn to budget better and spend less, the next step is to start socking away all that extra un‑spent cash. Primerica’s free Financial Needs Analysis offers a comprehensive snapshot of a family’s finances and presents clear strategies for getting out of debt, becoming properly protected, saving more and getting on track for a great future.

Primerica Presents Four Ways to Help Pay for College

Primerica Financial Services — Thu, 16 Apr 2009 17:00:00 GMT-5

Press Release, March 30, 2009

In today’s economy, costs seem to be rising across the board and many families are struggling to put aside money for long‑term goals such as funding a child’s college education. It’s estimated that by 2020 it will cost $225,000 to put a child through a private college or $105,000 to send them to a public university.¹

Primerica, a financial services industry leader, offers four tips to help clients make their college savings go farther.

Start Now. No matter how old (or young) children are, it’s a good idea for families to start saving as soon as possible to try to keep up with the rising costs of tuition, room and board. Sock aside money each month in a savings account or consider investing in the stock market to take advantage of dollar‑cost averaging (investing a certain amount consistently over a long period of time) to boost potential returns.²
Compare Plans. There are several government programs designed to help families save for college. Many plans allow you to take advantage of tax‑deferred saving while investing in the stock market, including: 529s, which are state‑sponsored investment accounts; Coverdell Education Savings Accounts, which allow parents to contribute up to $2,000 a year; and prepaid tuition plans which allow families to lock in current rates for future tuition.
Don’t Neglect Retirement. Saving for a child’s education is important, but so is saving for retirement. It’s important for parents to keep in mind that their kids will have other options when paying for college – such as grants and loans – that aren’t available for the “golden” retirement years.
Boost income. Start a part‑time business or work a few hours a week at a second job to beef up a college savings or retirement savings account. Business opportunities, such as Primerica’s part‑ or full‑time opportunity, are great ways to do something enjoyable while earning extra money each month.³ More information is available here: www.PrimericaBusinessOpportunity.com.

With the tough economy, it may seem difficult to put money aside every month, but every little bit helps. The key is consistency. Whether clients are saving for college or preparing for retirement, following these simple tips can make a big difference in the long run.

MSNMoney.com, viewed September 4, 2007
Investment in the stock market entails some risk. Investment return and principal may fluctuate. Shares, when redeemed, may be worth more or less than the original cost.
In Canada, the part‑time option is not available in all jurisdictions and, where it is available, is subject to certain restrictions.

You should carefully consider a mutual fund’s risk, fees, charges, and expenses before investing. The prospectus contains this and other information about mutual funds. You should read and carefully consider this information before investing. Prospectuses are available from your PFS Investments registered representative.

Consider the Program's investment objectives, risks, charges and expenses before investing. The Program Disclosure Statement contains more information that should be read carefully before investing. You can obtain a Program Disclosure Statement from your PFS Investments Registered Representative. You should consider before investing whether your or the beneficiary's home state offers a 529 Plan that provides state tax and other benefits only available to investments in that plan

Securities offered by PFS Investments Inc. 3120 Breckenridge Blvd. Duluth, GA 30099

The Billion Dollar Club

Brittany Glenn — Wed, 18 Mar 2009 20:54:14 GMT-5

By Brittany Glenn
Direct Selling News, February 2009

Primerica Financial Services Inc. $2.3 Billion

Name of Company: Primerica Financial Services Inc.
Type of Company: Private, subsidiary; Parent company, Citi (C – NYSE)
Number of Employees: 2,000
Number of Markets: Three
Revenue: $2.3 billion in revenue in 2007

Based in Duluth, Ga., private firm Primerica Financial Services – a subsidiary of public parent company Citi (C – NYSE) – boasts the largest salesforce in the financial services industry. There are approximately 100,000 licensed, independent Primerica representatives across the United States (including Puerto Rico), Canada and Spain.

For Primerica, the current credit crunch is a blessing in disguise, or maybe just a blessing. Primerica Co‑CEO John Addison is known for saying, “There might be a recession in America, but there’s no recession at Primerica.”

The numbers bear him out. “Through the first three quarters of last year, of the top 100 largest life insurance companies in the United States, 89 had a net decrease in their capital base,” Addison says. “Only 11 had an increase in their capital base, and the third largest capital base increase out of all the life insurance industry was Primerica Life at $120 million.”

At a time when layoffs and cutbacks are the rule not the exception, especially in the financial services industry, Primerica is investing in its future. “We’ve implemented a new bonus that’s very much aimed at licensing and building new people,” Addison says. “We’re making significant investments in our technology platform to make the recordkeeping for our independent contractors simpler.”

Addison expects these investments to pay dividends in the near‑term – and even in the midst of a recession. “Our model of building distribution weathers the storms that are going on in the world incredibly well,” he says. “Our goal is a 20 percent increase in recruiting, a 20 percent increase in licensing. While everybody else is focused on doing damage control, we’re going to go do some damage.”

Primerica Presents Four Tips for Weathering a Recession

Primerica Financial Services — Thu, 12 Mar 2009 15:11:58 GMT-5

Press Release
February 17, 2008

The current economic downturn has many families worried about losing their job, struggling to keep up with bills and worried about the future. The outlook seems bleak – 11.6 million Americans are unemployed¹, third quarter 2008 foreclosures jumped 71% over the same time period the previous year² and the personal savings rate remains in negative territory.³

Primerica, an industry leader, presents four tips to help families’ finances weather a recession.

1. Stay focused on goals. Historically, clients who invest consistently, whether the market is bullish or bearish, reach their long‑term goals. The best way to ride out the ups and downs of the stock market is to maximize the power of dollar‑cost averaging – investing a certain fixed amount consistently regardless of market fluctuations. While dollar‑cost averaging does not ensure a profit or protect against loss, history shows that investors make up 80% of bear market losses within the first year of the recovery.⁴ Investors should consider their ability to invest in a declining market.⁵

2. Slash and burn bills wherever possible. An easy place to start: auto and homeowner’s insurance. “Some insurers give long‑time customers up to a 10% discount, but that can pale in comparison with the savings from switching insurers. At least once every two years, get a quote from another insurer.”⁶

3. Keep good credit. To keep that all‑important credit score attractive, clients should pay their bills on time, limit the number of credit cards they have and avoid financing more than one big‑ticket item at once.

4. Boost income. Start a part‑time business or work a few hours a week at a second job to get through a crunch. Business opportunities, such as Primerica’s part‑ or full‑time opportunity, are great ways to do something enjoyable while earning extra money each month.⁷ More information is available at Primerica Business Opportunity.

Times are tough, but following these simple tips can go a long way to helping families come out on the other side of the recession with their long‑term financial goals still intact.

Kansas City Star, www.kansascity.com, February 6, 2009
www.CNNMoney.com, October 23, 2008
Newsweek, www.newsweek.com, February 1, 2008
Money, November 2008
Investments offered by: PFS Investments, Inc., 3120 Breckinridge Blvd., Duluth, GA 30099‑0001, 770‑381‑1000
Money, November 2008
In Canada, the part‑time option is not available in all jurisdictions and, where it is available, is subject to certain restrictions.