Happy Holidays! From your NAIFA Memphis Officers & Board of Directors

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1 NAIFA MEMPHIS The agent advocate Volume XVIII December Officers and Board of Directors President Eugene Hinders Immediate Past President Walker Wellford,III,CLU President-Elect George Barzizza Secretary / Treasurer Shannon Shriver, LUTCF, CRPS, CLTC skshriver@ftnyl.com State / National Committeeman Rick Pittman, CFP, CLU rpittman@investorscapital.com Directors Shawn Wilkins Shawn.wilkins.b4qi@statefarm.com Mark Prudhomme Mark.prudhomme@nmfn.com William Pettit wpettit1@ft.newyorklife.com George Barzizza gbarzizza@farmersagent.com December 11, 2012 The Racquet Club of Memphis Doors open at 11:30 HOME COOKIN'!!! It has been said that sometimes you find the best bargains near home. That will be the case for our next meeting on December 11th when four of our outstanding financial advisors will present our program. Make a special effort to be with us to hear and see, Tom Cooper, Kathy Thurmond-Edwards, Larry Clayton and Bob Buckley. Each one has been successful for many years and will talk with us about what has worked for them. We will all go away with a few good ideas to give us a new start in This is the time of the year when we all think about the things we have accomplished in the year and begin to plan once again. Hope you will be with us. To make your reservation please contact the association office naifamemphis@naifamemphis.org or The first meeting for 2013 will be on January 29th. Our speaker will be Tom Hegna, a nationally know speaker. He will talk about retirement planning and the use of annuities. Those who have heard Tom at MDRT meetings and company conventions are looking forward again to his presentation. You can learn more by checking him out at tomhegna.com Scheduled Meetings The Racquet Club of Memphis Doors 11:30 am December 11, 2012 January 29, 2013 March 5, 2013 April 9, 2013 PLEASE MAKE RESERVATIONS BY NOON DECEMBER 5th, FOR THE DECENBER 11th MEETING naifamemphis@naifamemphis.org Phone: Buffet line 11:30 a.m. Meeting 12:00 p.m. The December Agent Advocate Sponsored by Platinum Sponsor BC/BS of TN Association Executive Lisa Loden naifamemphis@naifamemphis.org Happy Holidays! From your NAIFA Memphis Officers & Board of Directors 85 N. DANNY THOMAS BLVD. - (901)

2 IFAPAC.... YOUR CAREER LIFE INSURANCE!! Please take time today to make your 2012 IFAPAC contribution. As you know, NAIFA will be battling the "perfect storm" beginning in January and we need every dollar to ensure we win the battle. Please make your "career life insurance" IFAPAC contribution today! Please find a copy of the contribution form & directive form for your convenience, CLICK HERE FOR A CONTRIBUTION FORM Every dollar is critical to these industry battles that will affect you and your clients! Thank you for your support! If you have any questions regarding IFAPAC, please let me know. Brenda Speer, NAIFA TN PAC Chair brendaspeer91756@gmail.com Please mail your IFAPAC contribution to: NAIFA Tennessee PO Box Murfreesboro, TN 37129

3 VIP Sponsors Platinum BLUE CROSS BLUE SHIELD OF TN 85 N. DANNY THOMAS BLVD. - (901) T H E A G E N T A D V O C A T E PRODUCERS CONNECTION FORMERLY MILESTONE FINANCIAL GROUP, INC. 751 Walnut Knoll Lane (901) APPS PARAMEDICAL SERVICES 275 WALNUT BEND S., #101 - (901) Gold EXAM ONE / WELLNESS FIRST 2725 KIRBY PKWY. SUITE 15 (901) To become a VIP sponsor please contact the association naifamemphis@naifamemphis.org To our New Members!! Robert Buckley Brennan Zachary Benjamin Davis

4 Increases in College Costs for 2012/2013 Continue to Outpace Inflation Every October, the College Board releases its Trends in College Pricing report that highlights college cost increases for the current academic year along with trends in the world of higher education. While costs can vary significantly depending on the region and individual college, the College Board publishes average cost figures, which are based on its survey of 3,500 colleges across the country. To read the Trends in College Pricing 2012 report, visit Following are the highlights for four-year public colleges (for both in-state and out-ofstate students) and four-year private colleges. Note that the total average cost figure includes tuition and fees, room and board, books and supplies, transportation, and a small amount for miscellaneous expenses. This figure is often referred to as the "cost of attendance." In each category, college costs outpaced general inflation, which is currently 2.1% through September 2012, according to Consumer Price Index figures published monthly by the Bureau of Labor Statistics. Public colleges (in-state students) Tuition and fees increased an average of 4.8% from last year to $8,655 Room-and-board costs increased an average of 3.7% from last year to $9,205 Total average cost for 2012/2013 is $22,261 Public colleges (out-of-state students) Tuition and fees increased an average of 4.2% from last year to $21,706 Room-and-board costs increased an average 3.7% from last year to $9,205 Total average cost for 2012/2013 is $35,312 Private colleges Tuition and fees increased an average of 4.2% from last year to $29,056 Room-and-board costs increased an average of 3.7% from last year to $10,462 Total average cost for 2012/2013 is $43,289 Cost trends The Trends in College Pricing 2012 report also noted that "The data in this report confirm the widespread perception that published college prices are rising more rapidly than the prices of other goods and services. This is not a new phenomenon, but one that has persisted over the entire 30-year period documented here... Another very significant issue is that... incomes have declined over the past decade for families at all levels of the income distribution. In addition, families have not been able to plan for the fluctuations in the value of the assets they have saved to pay for college." Richard L. Pittman, CFP, CLU National Committeeman rpittman@investorscapital.com

5 Deciding on what to get for the holidays? Make a new pledge or increase your 2012 IFAPAC contribution and be entered into a drawing for a new Kindle Fire HD - to be drawn at our luncheon December 11, (You do not have to be present to win.) Enter as many times as you like here s how: New Contributor: Begin a monthly bank draft of $5.00* month = 2 times entered. Make an initial contribution of $50* = 2 times entered. Already a Contributor (or an increase to New Contributor): Increase your draft: For every $1.00 a month increase = 2 times entered. For every $25.00 over the basic $50.00* =2 times entered. *Fifty dollars is the minimum amount necessary for you to be counted as an IFAPAC contributor for our association - although any amount contributed is appreciated. It s easy: your pledge to: Call your pledge to: Lisa Loden (901) or Celeste Caldwell (901) Remember this is our business help us support each other become an IFAPAC contributor today! If you have any questions please call: Celeste Caldwell (901) IFAPAC Chair ccaldwell@metlife.com Thanks for Your Continued Support & Business A Full Service Paramedical Provider Specializing in MD Cases The ORIGINATOR of Centralized Scheduling!!! Ask us about SMART PARAMED!!! James Zachary, Regional Director (21 yrs of service) Brennan Zachary, Director of Operations Tammy Winston, Agent & Client Relations Barbara Acree, Account Executive Call APPS for your next Case! / Fax / Order Exams & Check Status On-Line: Walnut Bend South, Suite 101, Cordova, TN 38018

6 At some time in the past, I know you have asked yourself...why am I a member of NAIFA? Sometimes you probably did not have the answer but the reason has never changed. You support your industry! I recently read an article by Van Mueller that made me feel good about my decision to join NAIFA in 1990 and for renewing every year! You need to read it too!! Click here to read the article Click to read Finally, thank you for being a member of NAIFA and supporting the industry that means so much to so many. Without you, many people would suffer from not properly planning. Keep up the good work! Sincerely, John W. Felton, IV President-Elect / Membership Chair NAIFA Tennessee jfelton@tba.com

7 LIFE ANNUITIES DISABILITY LTC L.A., inc. Wholesalers with over 100 years combined sales experience Competitive carriers Best rated Excellent or Superior Professional expertise for help with advanced sales Personal service that you can count on Milestone and Life Associates have joined forces to form Producers Connection, LLC (901) or (800) Walnut Knoll Lane / Cordova, TN Chris LeBlanc, CLU John Brooks, CLU Wayne McCullough, LUTCF Remember: You Can Renew Your NAIFA Membership Online Renew your membership investment in NAIFA with our fast and easy online renewal process. Simply go to and click Renew at the top of the page. Would you rather pay your membership dues in 12 easy monthly installments? Renew online through our monthly bank draft or credit card program. If you elect to have your dues deducted/charged on a monthly basis, dues are debited/charged from your account or to your credit card on the 5th day of each month. If the 5th falls on a weekend, the debit will occur on the next business day. Please note, NAIFA only accepts VISA & MasterCard for enrollment in the monthly credit card program. Don t wait any longer renew today!