Helping you be prepared for whatever the future may bring.

Can be used as a guide to implement financial and time management plans for important life situations.

Life is full of events-both expected and unexpected. And most of them will cost you money-from buying a home or new car to educating your children, throwing weddings and saving for retirement. That's why it's so important to plan ahead and start saving for the future today. Now Socrates has the know-how that can put you on the right track.

This convenient, up-to-date guide gives you the information you need to plan for important life events, including:

• Overall Budgeting Tips - from saving your pennies to managing your time, plus helpful Web sites that provide additional budgeting aids.
• Planning for a Home - with information on mortgages, house-hunting tips, your rights as a buyer, and other cost factors to consider.
• Planning for a New Car - helping you develop a game plan, determine the features you're looking for, avoid scams, pay for the car and insure it.
• Planning for College - providing information on tax-free ways to save, as well as tips on scholarships, financial aid, student loans and work study programs that can offset your costs.
• Planning for a Wedding - preparing you for this special day with a wedding checklist and average costs, how to choose and save money on the ring, Web resources and more.
• Planning for Retirement - it's closer than you think, and this guide helps you start today by helping you ask the right questions, establish your goals, take advantage of savings plans, think about new careers, and figure out what you're going to do with all that free time!

The sooner you start planning for the future. . .the more you'll enjoy it when it comes. Start today with Socrates.

All contents reviewed and approved by attorneys.