The 7 Baby Steps is a guideline to help you get to financial peace.
These, taken in chronological order helps you prepare for the unexpected or things you know about but choose to ignore.
1) $1k emergency funds
2) Debt Snowball
3) 3-6 months of living expenses
4) 15% to IRA
5) College Savings
6) Pay off house early
7) Build wealth and give
This document provides a summary of the author's experience reading and applying the principles from Dave Ramsey's book "The Total Money Makeover". The author discusses how the book helped them get out of $72,000 of debt in just 5 months by following Ramsey's baby steps, including creating a budget, saving $1,000 emergency fund, paying off debts from smallest to largest, and continuing to build wealth through investing and paying off their mortgage. The author is grateful for the financial peace and opportunities the book has provided.
Trying to shovel your way out of a mountain of debt? Popular financial expert Dave Ramsey, the host of the nationally-syndicated radio program The Dave Ramsey Show, suggests that you follow these seven "baby steps" as you pay off debt and build wealth.
Building a Strong Financial House (stand alone)Tim Mooney
How to put the Five Ways to Handle Money into action. Gives a picture of what a steward's financial life actually looks like. Plus, a strategy to get started on handling money faithfully.
The document discusses cash flow management and financial fitness. It begins by stating that 43% of Americans spend more than they earn each year. It then outlines goals for the session, including providing insight, inspiration, and ideas/methods to help improve financial situations. Several symptoms of poor financial health or discomfort are listed, including poor cash flow management and excessive debt. Effective cash flow management is important as it provides control and reduces stress. The document provides advice on tracking spending purposefully and aligning budgets with goals/values to improve cash flow.
The document discusses making financial decisions and planning for retirement. It notes that sharing more information can help people make better decisions with greater clarity and confidence. It asks if readers believe future tax rates will be higher, lower or the same. And it encourages taking advantage of opportunities to maximize wealth and minimize taxes.
Paul ann baptist church moms group 4 16-12Richard Evans
The document outlines Dave Ramsey's 7 baby steps for getting out of debt and building wealth. The 7 steps are: 1) Save $1,000 emergency fund. 2) Pay off all debt using debt snowball method. 3) Save 3-6 months of expenses. 4) Invest 15% of income into retirement. 5) Save for children's college. 6) Pay off mortgage early. 7) Build wealth and give. Additional sections provide more details on cash flow planning, relating with money, dumping debt, credit reports, finding the right job, and the importance of generous giving.
The 7 Baby Steps is a guideline to help you get to financial peace.
These, taken in chronological order helps you prepare for the unexpected or things you know about but choose to ignore.
1) $1k emergency funds
2) Debt Snowball
3) 3-6 months of living expenses
4) 15% to IRA
5) College Savings
6) Pay off house early
7) Build wealth and give
This document provides a summary of the author's experience reading and applying the principles from Dave Ramsey's book "The Total Money Makeover". The author discusses how the book helped them get out of $72,000 of debt in just 5 months by following Ramsey's baby steps, including creating a budget, saving $1,000 emergency fund, paying off debts from smallest to largest, and continuing to build wealth through investing and paying off their mortgage. The author is grateful for the financial peace and opportunities the book has provided.
Trying to shovel your way out of a mountain of debt? Popular financial expert Dave Ramsey, the host of the nationally-syndicated radio program The Dave Ramsey Show, suggests that you follow these seven "baby steps" as you pay off debt and build wealth.
Building a Strong Financial House (stand alone)Tim Mooney
How to put the Five Ways to Handle Money into action. Gives a picture of what a steward's financial life actually looks like. Plus, a strategy to get started on handling money faithfully.
The document discusses cash flow management and financial fitness. It begins by stating that 43% of Americans spend more than they earn each year. It then outlines goals for the session, including providing insight, inspiration, and ideas/methods to help improve financial situations. Several symptoms of poor financial health or discomfort are listed, including poor cash flow management and excessive debt. Effective cash flow management is important as it provides control and reduces stress. The document provides advice on tracking spending purposefully and aligning budgets with goals/values to improve cash flow.
The document discusses making financial decisions and planning for retirement. It notes that sharing more information can help people make better decisions with greater clarity and confidence. It asks if readers believe future tax rates will be higher, lower or the same. And it encourages taking advantage of opportunities to maximize wealth and minimize taxes.
Paul ann baptist church moms group 4 16-12Richard Evans
The document outlines Dave Ramsey's 7 baby steps for getting out of debt and building wealth. The 7 steps are: 1) Save $1,000 emergency fund. 2) Pay off all debt using debt snowball method. 3) Save 3-6 months of expenses. 4) Invest 15% of income into retirement. 5) Save for children's college. 6) Pay off mortgage early. 7) Build wealth and give. Additional sections provide more details on cash flow planning, relating with money, dumping debt, credit reports, finding the right job, and the importance of generous giving.
This document provides information about managing personal finances. It discusses the importance of managing finances to know where money goes and avoid undesirable debt. It outlines four modules on managing finances, getting into debt, staying out of debt, and applying financial techniques. It discusses will and skill in managing finances, with those high in both being free from debt. It defines undesirable debt and provides reasons why people get into debt, as well as tips to stay out of debt like having an emergency fund and living within one's means. The document provides a spending log template and tips for managing spending habits.
Kaneil A. Murray will present on money management principles and tips. Some key principles include living below your means by creating a spending plan, investing in your education, and setting SMART goals. Ten tips are provided, such as taking advantage of compound interest over time, distinguishing needs from wants, avoiding fees, developing good financial habits, and treating personal finance like a game. The presentation will help attendees better understand concepts like what money is and how to grow wealth over time.
This message provides advice and encouragement for those who have recently lost their jobs. It suggests taking time to grieve but not becoming bitter or resentful. Seek godly counsel and surround yourself with supportive people who will encourage you to move forward. Have hope, as others like Abraham Lincoln and Martha Stewart succeeded after failures. Reconnect with supportive family, assess your financial needs, explore opportunities, and generate income through existing ventures or your talents. Practice frugality as you work hard to celebrate future success. Counseling is also available to help guide your next steps.
The document discusses different aspects of building wealth and happiness. It argues that being rich is about more than just money, as people can be rich in love, friendships, and health. It emphasizes that realizing money is not everything allows one to appreciate what they already have. The document then poses questions about attitudes towards money and provides tips for setting financial goals and growing savings over time through compound interest.
The document provides strategies for surviving financially through difficult economic times. It outlines 5 cash flow strategies, 5 investment strategies, and 3 retirement strategies. The cash flow strategies include tracking spending, distinguishing between necessities and luxuries, and having emergency savings. The investment strategies focus on patience, realistic expectations, avoiding emotional decisions. The retirement strategies suggest flexibility, continuing some work, and protecting savings from inflation. The overall goals are to develop strategies to weather economic challenges and make informed financial decisions.
The document provides guidance on Christian financial planning in 12 areas: earning, spending, saving, giving/tithing, estate planning, determining values and financial situation, establishing goals, developing a spending plan, keeping records, praying, establishing goals, and goals. It recommends monitoring earnings, spending, saving, giving, and estate planning. It outlines elements of a financial plan including determining values and financial situation, establishing goals, developing a budget, and keeping records.
Taking Control of Your Cash - Eliminating DebtJohn Brown
This document provides information from a seminar on eliminating debt, noting that the seminar discusses developing a financial plan through evaluating current spending, identifying wants and needs, creating a budget, setting financial goals, building an emergency fund, using debt management programs, and getting out of debt through various methods like debt snowball. It also encourages attendees to speak to certified credit counselors and financial advisors to develop an initial plan to improve their financial situation.
This document outlines T. Harv Eker's "7 Jars of Money" system for managing personal finances. [1] It recommends dividing income into 7 categories or "jars": Freedom Fund (10-20% for long-term investments), Emergency Fund (5-10% for unexpected expenses), Everyday Fund (50-70% for regular expenses), Dream Fund (1-5% for specific goals), Fun Fund (1-5% for rewards), Education Fund (3-5% for learning), and Give Fund (5-10% for donations). [2] The percentages are flexible based on one's income, but the key is to develop a habit of planning where money goes each month.
Turn your financial house right side up with clarity on how money works and why debt increases so quickly. If you are upside down you may believe that it's more important to contribute to a retirement account before paying off your debt. When you view this course you'll see why paying off debt is one of the most important steps toward turning your financial house right side up. This information not only works against you but it can work for you too.
You'll also receive positive tips on how to think about financial challenges so that you can move forward quickly toward building wealth and keeping it.
Sabah Mikha - Improve Your Habits to Improve Your FinancesSabah Mikha
Some habits are easier to pick up than others - mostly bad habits. But for long-term stability, developing healthy financial habits is essential. According to a recent article in DailyFinance, studies have shown that it can take 66 days or more for a person’s behavior to become a habit. If you have poor financial habits, they have probably developed over time and will take time and effort to reverse.
Is there something different you would like to be doing with your money but you are not sure what is the right next step for you right now? (After all there are thousands of choices).
In this presentation you can diagnose your stage in the Six Stages of Wealth Creation. Then discover the right next action for you to do with your money.
Learn how to increase your prosperity with every paycheck, to save money, invest your money, and get a better grip on your personal finances.
To learn more, visit:
http://eternalspiralbooks.com/prosperity/
This document provides tips for young adults to get their finances in order. It discusses the importance of budgeting, paying off credit card debt, contributing to retirement plans, having an emergency fund, starting to save for retirement early, understanding taxes, having health insurance, and protecting your assets with insurance. The key pieces of advice include learning self-control, taking control of your own financial future, knowing where your money goes through budgeting, starting an emergency fund, and starting to save for retirement as early as possible.
The inflation bug as we learnt in our earlier learning ppt, "Are you Saving or Are you Investing", eats into our hard earned savings. So the value of our money reduces. Here in this learning session let’s learn more about “Time Value of Money”, which can help you manage your finances better.
An Investor Education & Awareness Initiative By Franklin Templeton Mutual Fund
Investing can be simple, one way is buy a single share of stock and then invest more on a monthly basis, invest the dividends and over time your money will grow.
At ReallySimpleInvesting.com we work every day to bring you personal financial educational materials you can use to increase your financial security. Check us out at: www.reallysimpleinvesting.com
Build a Successful Financial Plan
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Financial planning is defining your goals in life and realizing that the only way to provide for them is through disciplined spending, regular saving, and wise investing. It isn’t a blueprint for life that once drawn never changes. It is flexible and adaptable to your changing needs. Moreover, best of all, you can accomplish it at any income level.
A sound financial plan includes both short- and long-term goals. It starts with the realization that, in the early and even middle years of life, you must develop the habit of saving. Only by living below your means can you build a fortress of savings to pay for the important things that lie ahead.
This document discusses the importance of financial education and provides an overview of basic financial concepts. It is published by Primerica, a financial services company, to help consumers overcome common financial challenges through knowledge. The document encourages readers to take control of their finances by learning principles like paying themselves first, eliminating debt, investing for the long term, and starting early to benefit from the power of compound interest and time. It presents savings and investment strategies as ways for working Americans to achieve financial security and independence.
This is an autoresponder series I did for Brian Tracy's Wealth Building Made Simple program. Each email focused on a specific lesson from the program with the goal of getting readers to order the program.
This document outlines four steps to achieving financial security: 1) control your expenses by spending less than you earn, 2) increase your income through career advancement, 3) reduce debt and build savings, and 4) control risks through proper insurance. It then provides additional guidance on applying these steps at different life stages from your 20s through retirement. The overall message is that consistently following a plan of spending control, income growth, debt reduction, and risk management can lead one to the goal of financial security.
This document provides information about managing personal finances. It discusses the importance of managing finances to know where money goes and avoid undesirable debt. It outlines four modules on managing finances, getting into debt, staying out of debt, and applying financial techniques. It discusses will and skill in managing finances, with those high in both being free from debt. It defines undesirable debt and provides reasons why people get into debt, as well as tips to stay out of debt like having an emergency fund and living within one's means. The document provides a spending log template and tips for managing spending habits.
Kaneil A. Murray will present on money management principles and tips. Some key principles include living below your means by creating a spending plan, investing in your education, and setting SMART goals. Ten tips are provided, such as taking advantage of compound interest over time, distinguishing needs from wants, avoiding fees, developing good financial habits, and treating personal finance like a game. The presentation will help attendees better understand concepts like what money is and how to grow wealth over time.
This message provides advice and encouragement for those who have recently lost their jobs. It suggests taking time to grieve but not becoming bitter or resentful. Seek godly counsel and surround yourself with supportive people who will encourage you to move forward. Have hope, as others like Abraham Lincoln and Martha Stewart succeeded after failures. Reconnect with supportive family, assess your financial needs, explore opportunities, and generate income through existing ventures or your talents. Practice frugality as you work hard to celebrate future success. Counseling is also available to help guide your next steps.
The document discusses different aspects of building wealth and happiness. It argues that being rich is about more than just money, as people can be rich in love, friendships, and health. It emphasizes that realizing money is not everything allows one to appreciate what they already have. The document then poses questions about attitudes towards money and provides tips for setting financial goals and growing savings over time through compound interest.
The document provides strategies for surviving financially through difficult economic times. It outlines 5 cash flow strategies, 5 investment strategies, and 3 retirement strategies. The cash flow strategies include tracking spending, distinguishing between necessities and luxuries, and having emergency savings. The investment strategies focus on patience, realistic expectations, avoiding emotional decisions. The retirement strategies suggest flexibility, continuing some work, and protecting savings from inflation. The overall goals are to develop strategies to weather economic challenges and make informed financial decisions.
The document provides guidance on Christian financial planning in 12 areas: earning, spending, saving, giving/tithing, estate planning, determining values and financial situation, establishing goals, developing a spending plan, keeping records, praying, establishing goals, and goals. It recommends monitoring earnings, spending, saving, giving, and estate planning. It outlines elements of a financial plan including determining values and financial situation, establishing goals, developing a budget, and keeping records.
Taking Control of Your Cash - Eliminating DebtJohn Brown
This document provides information from a seminar on eliminating debt, noting that the seminar discusses developing a financial plan through evaluating current spending, identifying wants and needs, creating a budget, setting financial goals, building an emergency fund, using debt management programs, and getting out of debt through various methods like debt snowball. It also encourages attendees to speak to certified credit counselors and financial advisors to develop an initial plan to improve their financial situation.
This document outlines T. Harv Eker's "7 Jars of Money" system for managing personal finances. [1] It recommends dividing income into 7 categories or "jars": Freedom Fund (10-20% for long-term investments), Emergency Fund (5-10% for unexpected expenses), Everyday Fund (50-70% for regular expenses), Dream Fund (1-5% for specific goals), Fun Fund (1-5% for rewards), Education Fund (3-5% for learning), and Give Fund (5-10% for donations). [2] The percentages are flexible based on one's income, but the key is to develop a habit of planning where money goes each month.
Turn your financial house right side up with clarity on how money works and why debt increases so quickly. If you are upside down you may believe that it's more important to contribute to a retirement account before paying off your debt. When you view this course you'll see why paying off debt is one of the most important steps toward turning your financial house right side up. This information not only works against you but it can work for you too.
You'll also receive positive tips on how to think about financial challenges so that you can move forward quickly toward building wealth and keeping it.
Sabah Mikha - Improve Your Habits to Improve Your FinancesSabah Mikha
Some habits are easier to pick up than others - mostly bad habits. But for long-term stability, developing healthy financial habits is essential. According to a recent article in DailyFinance, studies have shown that it can take 66 days or more for a person’s behavior to become a habit. If you have poor financial habits, they have probably developed over time and will take time and effort to reverse.
Is there something different you would like to be doing with your money but you are not sure what is the right next step for you right now? (After all there are thousands of choices).
In this presentation you can diagnose your stage in the Six Stages of Wealth Creation. Then discover the right next action for you to do with your money.
Learn how to increase your prosperity with every paycheck, to save money, invest your money, and get a better grip on your personal finances.
To learn more, visit:
http://eternalspiralbooks.com/prosperity/
This document provides tips for young adults to get their finances in order. It discusses the importance of budgeting, paying off credit card debt, contributing to retirement plans, having an emergency fund, starting to save for retirement early, understanding taxes, having health insurance, and protecting your assets with insurance. The key pieces of advice include learning self-control, taking control of your own financial future, knowing where your money goes through budgeting, starting an emergency fund, and starting to save for retirement as early as possible.
The inflation bug as we learnt in our earlier learning ppt, "Are you Saving or Are you Investing", eats into our hard earned savings. So the value of our money reduces. Here in this learning session let’s learn more about “Time Value of Money”, which can help you manage your finances better.
An Investor Education & Awareness Initiative By Franklin Templeton Mutual Fund
Investing can be simple, one way is buy a single share of stock and then invest more on a monthly basis, invest the dividends and over time your money will grow.
At ReallySimpleInvesting.com we work every day to bring you personal financial educational materials you can use to increase your financial security. Check us out at: www.reallysimpleinvesting.com
Build a Successful Financial Plan
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Financial planning is defining your goals in life and realizing that the only way to provide for them is through disciplined spending, regular saving, and wise investing. It isn’t a blueprint for life that once drawn never changes. It is flexible and adaptable to your changing needs. Moreover, best of all, you can accomplish it at any income level.
A sound financial plan includes both short- and long-term goals. It starts with the realization that, in the early and even middle years of life, you must develop the habit of saving. Only by living below your means can you build a fortress of savings to pay for the important things that lie ahead.
This document discusses the importance of financial education and provides an overview of basic financial concepts. It is published by Primerica, a financial services company, to help consumers overcome common financial challenges through knowledge. The document encourages readers to take control of their finances by learning principles like paying themselves first, eliminating debt, investing for the long term, and starting early to benefit from the power of compound interest and time. It presents savings and investment strategies as ways for working Americans to achieve financial security and independence.
This is an autoresponder series I did for Brian Tracy's Wealth Building Made Simple program. Each email focused on a specific lesson from the program with the goal of getting readers to order the program.
This document outlines four steps to achieving financial security: 1) control your expenses by spending less than you earn, 2) increase your income through career advancement, 3) reduce debt and build savings, and 4) control risks through proper insurance. It then provides additional guidance on applying these steps at different life stages from your 20s through retirement. The overall message is that consistently following a plan of spending control, income growth, debt reduction, and risk management can lead one to the goal of financial security.
The document outlines the seven simple secrets of financial independence according to Bert Whitehead. It begins by describing Whitehead's experience and credentials as a financial advisor. It then reviews the 10 stages of the typical financial life cycle, from infancy through retirement. Finally, it details the first two of the seven secrets: 1) Fund your future first by always saving 10% of income and reinvesting earnings, and 2) Don't mortgage your future to pay for present expenses by avoiding excessive debt.
The document discusses various aspects of personal finance and money management. It emphasizes the importance of budgeting, tracking expenses, controlling spending, and maximizing savings. It notes that budgets can help reduce stress, financial arguments, and protect from unexpected costs. The document provides tips for developing a spending plan, including changing one's mindset around money and identifying personal weaknesses and temptations. It also stresses the importance of the entire family being involved in the money management process.
The document provides the results of a personal IQ test, with the respondent scoring 27-30/30, indicating an "excellent" personal financial IQ. It then outlines 11 elements of personal finance, including discovering your comparative advantage, being entrepreneurial, budgeting, financing purchases appropriately, avoiding credit card debt, buying used goods, emergency savings, investing for compound interest, diversifying investments, investing in index funds, and being wary of high-risk investment schemes.
6 mindsets that can help new graduates develop saving habits 1.2National Debt Relief
The document provides advice on developing good saving habits for new graduates with student loan debt. It discusses 6 mindsets that can help, such as paying off debt immediately, budgeting every dollar earned, not being discouraged by small savings, setting long-term financial goals, taking advantage of employer benefits, and being mindful of lifestyle inflation. Developing strong saving habits keeps one focused on the future, motivates preparation, and encourages smarter present decisions. Good savings habits can help establish a secure financial future despite student loan burdens.
The document provides information about personal finance topics such as savings, budgeting, emergency funds, mutual funds, insurance, and retirement planning. It discusses how to save money through proper budgeting and channelizing savings into personal capital. It emphasizes the importance of having an emergency fund equal to 6 months of expenses and parking it in liquid investments like savings accounts or sweep-in accounts. It also explains key mutual fund benefits like diversification, liquidity, and professional management. Overall, the document offers guidance on developing good financial habits and effectively managing one's finances.
The document discusses the three aspects of money: make money, manage money, and multiply money.
To make money, one must earn an income through employment, business ownership, or other means. Strategies for making more money include increasing skills and value, expanding one's network, taking on additional work, and placing a high value on one's time.
Managing money well is crucial, as it is the only time one has full control over funds. Effective money management involves knowing spending, creating a spending plan, prioritizing savings, automating finances, and using practical savings tips.
The final aspect is multiplying money through investment. Low-risk options include money markets, while higher-risk options include
The document discusses 10 habits that can help develop financial stability and success. Some of the key habits mentioned include making savings automatic through regular transfers, controlling impulse spending, evaluating expenses to live frugally, investing for retirement early, keeping family secure through insurance and wills, eliminating debt through a snowball payoff plan, using an envelope system to track spending budgets, paying bills immediately or setting up automatic payments, reading about personal finances to educate oneself, and working to increase one's net worth over time through various means.
Smart Money: Money Management for TeensAchieve Card
The document is a guide from the FDIC (Federal Deposit Insurance Corporation) for teaching teens money management skills. It discusses the importance of saving money and provides tips for saving regularly. It also covers choosing an appropriate bank account, spending money wisely, protecting against identity theft, and testing your money knowledge with a quiz. The overall message is that consistently making smart money decisions can help teens have more financial security now and in the future.
This document provides an introduction to the concept of financial freedom. It defines financial freedom as getting to a place where your money works for you so you don't have to worry about unexpected expenses. It then outlines several key steps to achieve financial freedom, including building an emergency fund, budgeting, saving for retirement and goals, being smart with credit, seeing a financial advisor, and making wise spending decisions. The overall message is that financial freedom is a gradual process requiring ongoing good financial habits.
This document contains terms and conditions and chapters from a book about investing intelligently. It provides basic information for beginner investors, such as setting investment goals, assessing one's financial situation before investing, and ways to generate additional assets through building businesses rather than just purchasing existing assets. The author emphasizes educating oneself on investing and managing risks.
Personal finance involves managing money and finances to meet personal goals through income, expenses, savings, and investments. The document outlines several basic principles for financial management including organizing finances, spending less than you earn, putting money to work, limiting debt, continuously educating yourself, understanding risk, diversifying income sources, maximizing employment benefits, paying attention to taxes, and planning for unexpected expenses. Additionally, it provides principles from Money Boss such as taking responsibility for your circumstances, prioritizing savings, focusing on both small and large financial wins, and balancing spending and saving.
This document provides tips and strategies for managing finances and reducing debt during an economic recession. It begins with an introduction to the topic and reasons for addressing debt issues promptly. Subsequent chapters discuss staying out of debt, creating a budget, saving money in various spending categories, and strategies for small businesses to weather an economic downturn. The overall message is that taking proactive steps like budgeting, reducing discretionary expenses, and paying down debt can help individuals and business owners thrive despite challenging financial conditions.
The document discusses Vision 2020, an initiative aimed at achieving gender equality as a national priority by 2020. It outlines 5 overarching goals: 1) Achieve pay equity, 2) Increase the number of women in senior leadership positions, 3) Expand access to affordable child and elder care, 4) Ensure workplace policies support both professional and personal responsibilities, and 5) Eliminate gender bias and promote women's health and wellness. The conference highlighted the importance of mentoring, sponsorship programs, and family-friendly workplace policies. Penn Mutual, the presenting sponsor, is helping advance these goals through various local agency initiatives.
This document provides a tutorial for using Invoiceable, a free online invoicing software. It outlines the steps to sign up for an account, set up a company profile, create and customize an invoice template, add invoice line items, and send the invoice to clients. The tutorial also describes how to mark an invoice as paid once payment is received and offers encouragement for the reader to try creating invoices on their own.
How to Use Google Calendar by Melissa MedinaMelissa Medina
The document provides step-by-step instructions for using Google Calendar. It explains how to sign in to an existing Google account, access the calendar, schedule and edit events, add reminders and attachments, share calendars with other users, and manage calendar settings including time zone. The calendar can be synced to mobile devices for offline access to events. In summary, the document is a user guide that outlines the main features and functions for creating and managing schedules and appointments using Google Calendar.
The document discusses ways to achieve a life-work balance according to a talk given by James Michael Lafferty at the 2014 Kerygma Conference. It lists 10 tips: 1) Choose the harder right over the easier wrong; 2) Choose family over work on defining moments; 3) Take real vacations; 4) Emulate Jesus everyday with acts of kindness; 5) Exercise for 30 minutes daily; 6) Use technology smartly as an advantage, not a distraction; 7) Focus on five main roles in life; 8) Make a list of 100 things to do before dying; 9) Eat locally grown food; 10) Give back to mankind. The author is excited to learn more at the 2015 K
The document provides step-by-step instructions on how to use Google Drive and its various productivity apps, including Google Docs, Sheets, Slides, and Forms. It explains how to create a Google account, access Drive, and explores the basic functions of the apps, highlighting their similarities to Microsoft Office programs like Word, Excel, and PowerPoint. The overall purpose is to introduce the reader to Google's online office suite and file storage system.
Dropbox is a free cloud storage tool that allows users to save files on multiple devices and share files easily. It syncs files across devices so they can be accessed and edited from any computer, phone, or tablet. Dropbox also automatically creates backup versions of files and allows users to share files by inviting others to view or edit them. The document then provides step-by-step instructions for installing Dropbox software, creating an account, and sharing files.
4 habits to Be an Optimist by Brian Tracy Melissa Medina
To be an optimist, one should believe that the world is conspiring to make them successful and see challenges as opportunities to learn and grow. When problems arise, optimists focus on solutions rather than blame. They understand that the future can be brighter if they learn from the past and continue moving forward in a positive manner.
The story is about a mouse who discovers a mousetrap in a farmer's house and warns the other animals. However, the chicken, pig, and cow dismiss the mouse's warning as not their problem. That night, the trap catches a poisonous snake instead of the mouse. The snake bites the farmer's wife, who gets sick. To care for her, the farmer slaughters the chicken, pig, and cow. Despite these efforts, the farmer's wife dies. Many people come for her funeral, requiring the cow to be slaughtered to feed them. The lesson is that when others are in pain, their problems should be our problems, as we are all interconnected.
I have watch this on KerygmaTV @ IBC 13 and I so blessed that's why I wanted to share.
Be joyful in a midst of trials because through trials we acquire 3 blessings. Read and be blessed.
The document shares lessons learned from playing the mobile game Clash of Clans and relates them to life. It discusses 8 lessons: 1) having resources like money is important but also needing good defenses like health, 2) defenses should be well-distributed across all areas of life, 3) having strong faith in God at the center is key to withstanding attacks, 4) self-love is necessary to love others, 5) constant learning and improvement is needed to achieve success, 6) community and social support are important, and 7) past failures can become weapons for future victory if one persists with faith in God.
1. The document summarizes talks from the Love Life Batch 3 retreat held by Feast Pasig Singles Ministry on March 8-9, 2014 about loving oneself and others.
2. One talk discussed the importance of loving oneself before being able to love others, saying you cannot give what you don't have. Another talk focused on loving others by starting with self-love and forgiveness.
3. The talks provided guidance on practical ways to love others such as listening without judgment, overlooking offenses, valuing people, and expressing love through quality time and acts of service.
This document discusses the importance of having personal boundaries and not being a "people pleaser". It uses the metaphor of a man jumping off a bridge and asking someone to hold the rope to stay responsible for his life. The speaker argues one should help those who genuinely need help, but not take responsibility for others' problems or choices. Setting boundaries is presented as a way to have healthier relationships and help others from a place of strength, not weakness. Two versions of how holding the rope could end are shared, with the first where the man learns his lesson seen as preferable. Overall the message is about prioritizing self-care and not being manipulated by "controllers".
This document presents seven reasons why we should forgive. First, forgiveness is a gift to yourself that allows you to truly love without resentment. Second, people who hurt you are often hurting themselves and crying out for love. Third, unresolved resentment from one's past can cause anger issues. Fourth, anger can be dangerous and cause mistakes that hurt loved ones. Fifth, as children of God, we should choose to be peacemakers like our Father. Sixth, we only have one heart that cannot be divided between love and hatred. Seventh, according to the law of reciprocity, what we do comes back to us multiplied, so we should love our enemies and pray for them instead of retaliating.
Mommy and Daddy Eagles build a nest out of twigs and thorns, covering it with soft grass and feathers for warmth. They care for their eaglets, bringing them food. However, to teach the eaglets to fly, Mommy Eagle stops feeding them and removes the soft materials from the nest, exposing the thorns. She then throws the eaglets from the nest or pushes them out of the cliff multiple times until they learn to fly. The document suggests that when God allows failures or difficulties in our lives, like the eagle parents teaching their young to fly, he is teaching us lessons and helping us grow stronger so that we can reach greater heights. We should not fear or give up during
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the what'sapp contact of my personal pi vendor
+12349014282
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
2. It depends on how many steps you’ve taken towards financial health. I will share
with you the Six Steps to Financial Health. If you notice, I put a Step #0 because this
is a faith act. How can a poor person give? But that is the challenge. When he
becomes generous, he attracts more generosity upon his life.
Here they are…
Are you Financially sick or healthy?
3. The Lord will grant you
abundant prosperity… The
Lord will open the
heavens, the storehouse of
his bounty, to send rain on
your land in season and to
bless all the work of your
hands. You will lend to
many nations but will
borrow from none.
— Deuteronomy 28:11-12
4. This is the purpose of money—to use it for love. And tithing is the “training wheels”
to learn how to do this. Each month, set aside a fixed percentage of your income to
God and the poor. And be open to the blessings that will flow to you.
Step # 0 : Give to God Monthly Love Offerings (start with 10 percent)
“Bring your tithes to the
temple.”
— Malachi 3:10
5. Step #1 : Free Yourself from All Bad Debt
List down all your bad debts and declare when your Freedom Day will be. Never
borrow for anything that doesn’t put money into your pocket. Renegotiate with
creditors if you have to.
6. Step #2 : Increase Your Income and Start a Sideline
Grow yourself, your skills and your abilities. In your job, be known as someone
who works fast. Always get more responsibilities. (“Sir, I finished the project. Is
there anything else you want me to do?”) Your boss will be forced to promote
you. And sell something on the side and keep on learning.
Sales are contingent upon the attitude of
the salesman, not the attitude of the
prospect.” --William Clement Stone
7. Step #3 : Get Protection (insurance) Equal to 10 Times Your Annual
Expenses
Your goal is to be self-insured. But while your investments haven’t reached that
point where your passive income is equal or greater than your expenses, you
need to buy insurance.
8. Step #4 : Create an Emergency Fund in the Bank Equal to Six Months’
Expenses
These are for your daily expenses as well as unforeseen expenses. Having an
Emergency Fund prevents you from dipping into your long-term retirement fund.
9. Step #5 : Create a Retirement Fund Saving 20 Percent of Your Monthly
Income in Various Growth Funds.
Keep researching on the best places you can put your long term savings. It will be
determined by your age and the level of risk you’re comfortable with.
10. Step #6 : Create Passive Income Via Business and Investment Equal to
or More Than Your Expenses
This is financial freedom. It is the place where, even if you stop working, you can
still live your present lifestyle.
11. If you want to grab the copy of
this e-book for free “My Maid
Invest in the Stock Market…and
Why You Should, Too!”
click the link below:
TrulyRichClub or
Send your question to
melissamedina786@gmail.com I
would gladly answer.
Thank you.
12. Thank You Very Much!!!
Melissa Medina
As you take one step after
another step, you gain in
financial health. Friends,
this steps is only a start of
your exciting journey
towards material and
spiritual abundance. Keep
learning. Read books on
money. Attend seminars
on money. Get mentors
and financial coaches.
Remember: You create
your future by your choice
today! – Bo Sanchez