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Pit Crew Chief

Wayne Copeland has volunteered personal financial planning services to individuals and couples for over a dozen years. Wayne received his MBA from the Darden School at the University of Virginia. He has worked for over twenty years as a chief financial officer in for-profit and non-profit organizations. Wayne is presently Chief Financial Officer of Miracle Hill Ministries and serves as a ruling elder at Redeemer Presbyterian Church in Travelers Rest, SC.

Workshop Resources

The resources on this page supplement the workshop presentation. Files are in the following formats:

• PDF — Adobe PDF format. Files of this type can be opened with the free Adobe Reader which can be downloaded at the Adobe web site.
• XLS — Microsoft Excel spreadsheet. Files of this type can be saved to your local computer and opened with Microsoft Excel, Google Docs, OpenOffice Calc or any other application capable of opening a spreadsheet.
• HTML — other web pages.

All resource files will open in a new window.

Budget

• Sample Balance Sheet (PDF, Appendix 1)
• Balance Sheet Template (PDF, Appendix 2)
• Sample Debt Sheet (PDF, Appendix 3)
• Debt Sheet Template (PDF, Appendix 4)
• Sample Spending Now (PDF, Appendix 5)
• Sample Budget Goal (PDF, Appendix 10)
• Budget Template (PDF, Appendix 11)
• Financial Pit Stop Workbook (XLS)
• Envelope System of Budgeting (PDF)
• Mint.com (HTML)
• YNAB (HTML)
• MoneyWell (HTML)
• Online Budgeting Article (HTML)

Calculators

• Home Affordability Calculator (HTML)
• IRS Exemption Calculator (HTML)
• Debt Reduction Snowball Calculator (HTML, Download free calculator from this site.)
• CNN Money Debt Free Calculator (HTML)

Checklist

• Components of a Healthy Financial Plan (PDF, Appendix 13)

Credit Cards

• Credit Card Facts (HTML)
• Credit Card Website (HTML)
• Importance of Credit History (HTML)
• How Your Credit Score Impacts Your Financial Future (HTML)

Credit Reports

• AnnualCreditReport.com (HTML)
• Free Credit Report Imposters (HTML)
• Equifax — 800-685-1111
• Experian — 888-397-3742
• Trans Union — 800-916-8800

Crown Financial Ministries

• Crown Home Page (HTML)
• Budgeting Guides (HTML)

Debt Reduction & Consumer Assistance

• Debt Reduction Snowball Calculator (HTML, Download free calculator from this site.)
• Sample Debt Reduction Calculator (PDF, Appendix 12)
• CNN Money Debt Free Calculator (HTML)
• National Foundation for Credit Counseling (HTML)
• Bankruptcy Basics (HTML)
• Mortgage Help (HTML)
• South Carolina Consumer Assistance Programs (HTML)
• Healthcare Information Resources (HTML)
• Escape the Debt Trap — Kiplinger's February 2012 (HTML)
• Debt Relief Programs — Reviews (HTML)
• Debt Settlement vs. Debt Reduction (HTML)

Estate Planning

• Estate Planning: How to Die the Right Way — Kiplinger's January 2012 (PDF)
• Estate Planning Steps — Kiplinger January 2012 (HTML)

Giving

• Global Rich List (HTML)
• Giving What We Can (HTML)
• Gapminder (HTML)
• Charity Research (HTML)

Goals

• Establishing Priorities and Goals (PDF, Appendix 6)
• Goals Questionnaire (PDF, Appendix 7)
• Sample Goals Worksheet (PDF, Appendix 8)
• Goals Template (PDF, Appendix 9)

Insurance

• Life Insurance Calculator (HTML)
• Disability Insurance (HTML)
• Health Insurance Quotes (HTML)
• CNN Money Essentials (HTML)
• Life Insurance Calculator (HTML)
• Disability Insurance (HTML)
• Long Term Care Shopper's Guide (HTML)

Investing

• Real Deal Retirement Toolbox (HTML)
• Target Date Funds — Money May 2011 (HTML)
• Building Wealth — CNNMoney August 2012 (HTML)
• Inflation Protection — Money November 2012 (PDF)
• Investing Made Simple — Kiplingers November 2012 (PDF)
• Simple Investing — Kiplinger's November 2012 (HTML)
• Choosing A Target-Date Fund (HTML)

Personal Finance Education

• CNN Money Essentials (HTML)
• Faith & Finance — Christian Finance Blog (HTML)
• Kids and Money (HTML)
• Teaching Children Money Skills (HTML)

Retirement

• Life Expectancy Table (PDF)
• Life Expectancy/Years in Retirement Probability (HTML)
• Choosing A Target-Date Fund (HTML)
• Retirement Savings Calculator (HTML)
• How to Get a Lifetime of Retirement Income from Your Investment Portfolio — WSJ (HTML)
• Cashing Out in Retirement (HTML)
• Life Expectancy/Years in Retirement Probability (HTML)
• Life Expectancy — CNNMoney May 2012 (PDF)
• Retiring in 10 Years — Catching Up (HTML)
• Retirement Calculator (HTML)
• Retirement Savings Calculator (HTML)
• Required Minimum Distributions (HTML)
• Medicare (HTML)
• Reverse Mortgage Option — Kiplinger June 2011 (HTML)
• Social Security
  • Get Your Social Security Statement Online
  • Social Security Retirement Planner
  • Social Security Planning Software
  • Social Security Timing — Kiplinger March 2012
  • Book: A Social Security Owner's Manual, Jim Blankenship
  • Social Security Benefit Calculator
  • Social Security Benefit Solutions
  • Social Security Benefits — The Basics

Saving Strategies

• IRS Exemption Calculator (HTML)
• Car Repairs
  • CarMD (HTML)
  • Recall notices (HTML)
  • CarCare.org (HTML)
  • Check the price (HTML)
• Saving for College
  • SavingForCollege.com (HTML)
  • FinAid.org (HTML)
  • 529 Plan Information (HTML)
  • Student Loans (HTML)
• Public Benefits for Seniors (HTML)
• The Simple Dollar — 100 Great Tips For Saving Money (HTML)
• Moolanomy.com — The 1,001 List of Money Saving Ideas and Tips (HTML)
• Dollar Stretcher (HTML)
• Coupons.com (HTML)
• Saving — Government Deals (HTML)
• Cutting Healthcare Costs (HTML)
• 30 Ways To Cut Health Care Costs — Kiplingers April 2011 (PDF)
• Dodge the Draft — CNNMoney October 2012 (PDF)
• Energy Savings — Kiplingers June 2011 (PDF)
• Home Energy Savings Ideas — CNNMoney October 2012 (HTML)
• Suddenly Frugal (HTML)
• Multiple Savings Accounts, Multiple Goals (HTML)