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Dear Brethren,For those that missed the presentation from the last stated communication or would liketo research the subject more thoroughly I have decided to post it on our website. Thesummation of the topic revolved around it was personal finance problems that I feel every brother should beaware of. Certain topics are not covered in detail; however, I havemade a list of people and companies that I know can provide you with more in depthassistance in those fields. The majority of the concepts ranged from retirement, theimportance of establishing and maintaining good credit, creating wills and making sureyou have the correct level of insurance. For example there is only one Internet site whereyou can obtain an actually free credit report, which is listed below. I also have attached acouple links to somePBS Frontline broadcasts about credit card scams and what youneed to know about your retirement. Hopefully this information can help you become amore financially savvy individual.FraternallyThomas Hardy
Investments:
For questions regarding your retirement or general investment question Isuggest you contact one of the three companies listed below.The Vanguard GroupP O Box 1110Valley Forge PA 194821-877-662-7447www.vangaurd.com T. Rowe PriceP O Box 17300Baltimore MD 212971-800-225-5132www.troweprice.com Fidelity Investment Local office available at Open Monday- Friday AM to 5:30 PMP O Box 770001 265 Church StCincinnati, OH 45277 One Century Tower 1-800-343-3548 New Haven CT 06511www.fidelity.com1-800-243-4549
Wills and Trust:
I also touched on people that can over see and create a will and trust for you.SunTrust Bank Inc.
 
303 Peachtree StAtlanta, GA 303081-404-588-7711Local Law FirmCaplan, Hetcht & Mendell LLC20 Trumbull St New Haven, CT 0655111-203-772-0070Or you can go to any office supply store and buy a Will Writer CD Kit if you are familiar with the computer. Note: Once completed the Will
must
 
be notarized
otherwise courtswill deem them invalid Wills.
Loans Rates:
The next link gives you a good idea as to what types of loans you canexpect to get before you go and make any large purchase. These include Mortgage, Car,and Bank Savings Interest rates.
 
www.bankrate.com. This website will tell you the national and local rates for varioustypes of loans.
Credit Reports:
You are allowed 1 free credit report a year from each of the three creditagencies. The best idea is to order one every 4 months to regularly monitor your creditreport throughout the year. The following is the only provider of a true free credit report.Annual Credit ReportP O Box 105328Atlanta GA 30348www.annualcreditreport.com If you find any mistakes in your report you must then contact all three credit bureaus atthe following address and report the errors.EquifaxP. O. Box 740241Atlanta GA 303741-888-766-0008www.equifax.com Experian475 Anton BlvdCosta Mesa CA 926261-888-397-3742www.experian.com 
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