The Women's Bureau, U.S. Department of Labor presents:

Budget to Save
the seventh in the 2006 series of Wi$e Up Teleconference Calls

Thursday, August 31, 2006
2:00pm to 3:00pm EDT

Register online at www.dol.gov/wb/mentor2.asp or by phone at 202-693-6767
to receive the toll free call-in number and passcode.

Do you know where your money goes? Are you spending more than you earn? How do you build a realistic budget that balances your spending and your income? Where can you trim your budget?

Join us to hear the following professionals talk about money management:

Ric Edelman has been ranked among America's 100 top financial advisors by Barron's (2004, 2005, and 2006). In 2004, he was inducted into the Financial Advisor Hall of Fame, ranked the #1 advisor in the nation by Research Magazine for his focus on the individual client, and ranked #42 on Registered Rep magazine's list of 'America's Top 50 Advisors.' Ric is a #1 New York Times bestselling author. His five books on personal finance include Ordinary People, Extraordinary Wealth; The New Rules of Money; Discover Wealth Within You; What You Need to Do Now; and The Truth About Money. Ric was named Best Talk Show Host in 1993 (AIR Awards) and continues to host weekly radio and television shows in Washington, D.C. He has been featured in numerous articles, has appeared on hundreds of radio stations and every major television network, and has been quoted by dozens of newspapers and magazines. He is a nationally syndicated newspaper columnist, publishes a monthly newsletter, and offers free online educational resources on personal finance at www.RicEdelman.com.


Judy Lawrence is a Budget Coach and Counselor in Silicon Valley, CA. She is the author of the financial bestsellers The Money Tracker: A Quick and Easy Way to Keep Tabs on Your Spending and The Budget Kit: The Common Cents Money Management Workbook - 4th Edition - (2004), which has sold successfully for over two decades. Judy has been featured and quoted for over twenty years on national TV and radio and in newspapers and magazines, including CNBC-TV's 'The Money Club,' Money magazine, Kiplinger's Personal Finance magazine, and the Chicago Sun Times. Judy publishes a free monthly newsletter, 'Common Cents Budgeting Tips' and has presented numerous money management workshops. She wrote and developed the web-based 'Personal Budget Plan Program' for Epotec, an online employee assistance program. Judy holds a Masters degree in Guidance and Counseling from the University of Wisconsin at Oshkosh. She offers a free 7-week e-course, 'Budgeting Without Tears,' available through her Web site, www.moneytracker.com.


Michael David Schulman, a Certified Public Accountant (CPA) / Personal Financial Specialist (PFS), is the third generation owner of Schulman CPA, a full service tax, accounting, and auditing firm founded in 1952. In 1999, he formed Schulman CPA/PFS P.C. to provide personal financial planning services. In 2002, Michael formed Excelsior Senior Advisors LLC to provide PrimePlus/ElderCare services to those who are (or are about to become) older adults. Michael is a frequent speaker on tax and financial planning topics, has written articles for newspapers and professional journals, and has appeared on television and radio. He is a member of the American Institute of CPAs, the New York State Society of CPAs, and the California State Society of CPAs. Michael also serves as a lecturer for the Foundation for Accounting Education, the education arm of the NYSSCPA. He holds degrees from the Massachusetts Institute of Technology, the University of California at Berkeley, and Fordham University.


A question and answer session will follow the presentations.


The U.S. Department of Labor, Women's Bureau's Wi$e Up project is dedicated to improving the financial security of women. For more information, visit the Women's Bureau Web site at www.dol.gov/wb and the Wi$e Up Web site at www.wiseupwomen.org.