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Retirement Presentation

Transcript: I want to be financially stable 12 dogs a nice home with a lot of land provide for my family retire at 65/ 70 Aaron Polanco anticipated lifestyle Undergraduate/ graduate studies After attending and graduating from pharmacy school, you must continue on to obtain the appropriate license from the state in which you are hoping to practice as a pharmacist. This process of obtaining a license generally requires you to have a Pharm.D. degree and to pass certain examinations, as well as to have a designated number of hours of practice work achieved through your courses or residency. To be eligable to be a licensed pharmacist in Texas be at least 18 years of age obtain a B.S. in Pharmacy or Pharm.D. take and pass both NAPLEX and MPJE completed 1500 hours of board approved internship Transfer plan Grad school / Pharmacy School Four academic years in the professional program The annual tuition at University of the Incarnate Word - Feik School of Pharmacy is $35,185 for in-state students, The corriculum for pharmacy school includes: Pharmaceutics, Drug information, Pharmacy calculations, Biochemistry Testing and Licensing Pharmacists dont just count pills all day thet also, Educate patient on medication use, storage and side effects. inform patients about past and current medication to prevent drug interactions Collaborate with other doctors to monitor, review and evaluate treatment effectiveness with patients. Analyze prescribing trends to monitor patient compliance and to prevent excessive usage or harmful interactions. Dispense and review prescriptions to ensure accuracy, and compliance with professional, state and federal regulatory requirements. Pharmacy job outlook Retirement Presentation Transfer to The University of Incarnate Word with my major as Biology in the Pre-pharmacy program at least a GPA 2.5 Application Transcripts / Letters of recommendation UIW undergraduate tuition 515 /hour UIW graduate school tuition 885 / hour In a 10- year study, Pharmacist as a profession is projected to grow 14% Median pay (Annual) $116,670 Median pay (Hourly) $56.09 Entry Level education: Doctoral or professional degree Various settings to work in Pharmacy Retail Hospital Private preactice Research My Career Three to four years of undergraduate pre-professional (prerequisite) coursework, Study at least one year of general biology, organic chemistry, inorganic chemistry, physics and one semester of statistics, calculus and microbiology Most students need four years to complete their prerequisite courses. usually takes eight years of college study to earn a Pharm.D. and become a pharmacist. Pharmacist / PharmD The Pharm.D. is a professional degree similar to a Doctor of Medicine (MD). As a doctorate, it represents the increasing responsibility pharmacists have in health care systems and the high trust Americans have in pharmacists. After earning a Doctor of Pharmacy degree and passing licensure examinations, College of Pharmacy graduates can practice pharmacy anywhere in the country. (after I pay back loans...) as a Pharmacist

Retirement Presentation

Transcript: Retirement What is retirement? Retirement is when you complete a certain amount of years of service working and you then can stop working. This usually takes place when you become older. At what age should you start thinking about retirement? Suprisingly, you should start planning during your late teens and early twenties. That could be during your junior and senior years in highschool. Where can you get money for your retirement? One way you can get money for your retirement is by saving your own money. This is very important because money you may recieve from Social Security, etc may not be enough. In order for you to live comfortably when you are older you should plan for retirement. Most people would like to continue living the way they are now when they are older. That means that you would want to continue to go boweling and watch movies. You'll have all that extra time, why not? To be able to do that you should plan to save enough retirement money to to replace 80% of your annual working income. ***Remember saving small amounts of money now is better than saving large amounts of money later. Social security is one way you can recieve money. Social Security, what is it? Social security is set up by the government to provide money for retired workers. When you begin working you pay taxes that go to your social security. At the same time your employer pays the same amount of taxes towards your account. The amount you recieve will depend on how long you worked and how much you earned. Retirement Accounts A retirement account is an investment set up to provide money for you when you retire. You do not pay taxes on the money that you put into the account, which means tax deferred. You pay taxes only when you withdraw that money. **Money that you put into the account is called contribution. **Money that you take out is called distribution. Individual Retirement Accounts Also known as IRAs. An IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. When you have an IRA account you take part of your income and put it into your account. You do not pay taxes on it until you withdraw it. In order to open an account you must be younger than 70 and a half and have earned income. Roth IRA It is similiar to a traditional IRA. It is an individual retirement account that is tax deferred. If you meet certain requirements the money you draw out for retirement will be tax free. 401 (k) A 401 (k) plan is set up by your employer to help save for your retirement. You put part of your money into the 401 k account. Some employers match the amount you contribute into the account. There is a limit to how much you and your employer contribute into your account each year. Most 401 k withdraws are taxable you must also be 59 and a half or older to withdraw money or else you have to pay a penalty. 403 (b) The 403 b is similiar to the 401 k except it is designed for public school teachers and other employees of nonprofit organizations. Some 403 b's are set up and run by employers while others are set up by third parties. Social Security Retirement accounts Traditional IRAs Roth IRAs 401 (k) 403 (b) What are other ways to get money for retirement?

Retirement Presentation

Transcript: To God be the glory, great things he hath done! So loved he the world that he gave us his Son; Who yielded his life an atonement for sin, And opened the life gate that all may go in. O perfect redemption, the purchase of blood! To every believer the promise of God; The vilest offender who truly believes, That moment from Jesus a pardon receives. Great things he hath taught us, great things he hath done, And great our rejoicing through Jesus the Son; But purer and higher and greater will be Our wonder, our rapture, when Jesus we see. Praise the Lord! Praise the Lord! Let the earth hear his voice! Praise the Lord! Praise the Lord! Let the people rejoice! O come to the Father through Jesus the Son, And give him the glory; great things he hath done! We are witnesses for Jesus In the haunts of sin and shame, In the underworld of sorrow Where men seldom hear his name; For to bind the brokenhearted And their liberty proclaim, We are witnesses for Jesus In the haunts of sin and shame. We are witnesses for Jesus In the lands beyond the sea, Where the millions bound by evil Have no hope of liberty; As we tell the gospel tidings, Lo! the captives are set free; We are witnesses for Jesus In the lands beyond the sea. Tell the world, O tell the world! Make salvation's story heard In the highways, in the byways, And in lands beyond the sea, Do some witnessing for Jesus Wheresoever you may be. We are witnesses for Jesus In the home and in the mart, Where the cares of life and fashion Crowd the Saviour from the heart; When we urge his claims with wisdom Many choose the better part; We are witnesses for Jesus In the home and in the mart. Great is thy faithfulness, O God my Father, There is no shadow of turning with thee; Thou changest not, thy compassions they fail not; As thou hast been thou forever wilt be. Summer and winter, and springtime and harvest, Sun, moon and stars in their courses above, Join with all nature in manifold witness To thy great faithfulness, mercy and love. Great is thy faithfulness! Great is thy faithfulness! Morning by morning new mercies I see; All I have needed thy hand hath provided; Great is thy faithfulness, Lord, unto me. Pardon for sin and a peace that endureth, Thy own dear presence to cheer and to guide; Strength for today and bright hope for tomorrow, Blessings all mine, with ten thousand beside! Great is thy faithfulness! Great is thy faithfulness! Morning by morning new mercies I see; All I have needed thy hand hath provided; Great is thy faithfulness, Lord, unto me. And they grew... Vocal Selection Benediction On February 10, 1978 in Lewiston, ME Chuck & Barb Kelly Response Commissioner Israel L. Gaither each into their own person. A baby was born to Tom & Betty Oliver in Kittanning, PA on February 11, 1947. Major Robert Reel Song: To God Be The Glory and they began their life together Song: To God Be The Glory Captain Elvie Carter Video of Grandkids The ugly one is Chuckie "But you will receive power when the Holy Spirit comes on you; and you will be my witnesses in Jerusalem, and in all Judea and Samaria, and to the ends of the earth." Acts 1:8 Tell Us A Story Major Donald Berry , Barbara Jean Oliver A few years later, Charles Patrick Kelly arrived in Berlin, NH. Find Us Faithful Welcome Song: We Are Witnesses for Jesus Tell the world, O tell the world! Make salvation's story heard In the highways, in the byways, And in lands beyond the sea, Do some witnessing for Jesus Wheresoever you may be. Song: To God Be The Glory Major Lynette Reel Prayer of Dedication Tell Us A Story and they met... Commissioner Eva D. Gaither Great is thy faithfulness! Great is thy faithfulness! Morning by morning new mercies I see; All I have needed thy hand hath provided; Great is thy faithfulness, Lord, unto me. Service of Retirement Tell the world, O tell the world! Make salvation's story heard In the highways, in the byways, And in lands beyond the sea, Do some witnessing for Jesus Wheresoever you may be. Major Susan Hinzman Kathleen Marie joined the clan. Major Vicki Berry Barbara Kelly Sharp Chorus in Frankfort, KY The Faith of Our Parents Great Is Thy Faithfulness And his little brother Dickie. Prayer Charles Howard Kelly in Erie, PA. Majors Dick & Sis Gulley Major William Groff Meet The Family Great Is Thy Faithfulness A few months later on April 24, 1947 Charles & Ella Mae Kelly welcomed Song: We Are Witnesses for Jesus Chorus Reflections from Sessionmates Majors Phil & Connie DeMichael Song: We Are Witnesses for Jesus On March 9, 1971, Kristina Erin was born Reflections of a Former Soldier Reflections from Friends Witnessing Faithfully February 25, 1974 Great Is Thy Faithfulness

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