Financial presentation
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This document discusses the importance of financial preparedness. It recommends regularly attending church and temple, paying tithing, and magnifying callings for spiritual preparedness. For temporal preparedness, it suggests food storage, healthy activities, and financial soundness. Regarding financial soundness, it emphasizes earning income, spending wisely by distinguishing needs from wants, and saving. It provides examples of how credit cards, cars, and houses can end up costing much more due to interest if not paid off quickly. It concludes by stating the need to rid oneself of debt through spending less than what is earned and saving the difference.
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Part 1
A) SMART Goal Setting
Specific
What: They should to achieve debt freedom and save enough money before age 65. They supposed to decrease his daily expense to save more money, to pay off the current loan and some credit debts. Then they need to start RESPs for their children.
Why: Their Net cash flow was negative, it means they have more expense than income. They must find a way to solve these problem, even through they have 308879.63 net worth, but it is useless. They have too many loan and mortgage need to repayment.
Where: They should focus on house mortgage first, because that $300000 mortgage with interest rate is 4.75%.
Who: their children. When they do this financial planning, their kids is inherently involved in.
Which: They have some constraints which is that they need to pay education for kids, they have economic pressure, so saving money is hard thing for them.
Measurable:
They want to save $2000 per month to pay off their mortgage $1897.57 monthly.
Achievable:
We suggest saving money from Entertainment and Transportation.
· Yearly expense
Travel $120, Activities $360, Alcohol $120 totally is $600
We also can decrease expense form car insurance, Colin and Jill can use one car and suspend the car insurance saving $1440 yearly.
They already saving $2040 for one year.
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That is realistic because they can easily to save money form their income, they need to know how to budgeting their money, especially they already have two kids.
Time-Limited:
They will save money form their daily life for $2040 for one year, their yearly mortgage is $1897.57*12= $22770.84, they need to saving 10 years money to pay off one year mortgage.
B) Cash Flow Statement & Net Worth Statement
According to the expense statement for retirement planning, I estimate the expense after Colin and Jill retirement is $28546.68. It means they need income after tax is same amount.
Electricity/water: When they are after 65 year old, they should sleep so early that compare with before. That’s why their electricity usage rate is going down. Change $150 to $100 per month
Internet: they don’t use internet after 65 years old, because they always watching TV or reading book, no time to use internet. Change $100 to $50 per month
Groceries: it will change some because they want to be health, and will buy many nourishment and fruits，and more milk. Not changed.
Eat-out: eat-out cost will be decrease, they usually cook at home. Change $100 to $50 per month
Colin&Jill car insurance: They don’t need two cars for driving, so they can just drive one car with one car insurance, so the cost will be decrease. Decrease $110 per month
Gas fee: gas cost also decrease because two cars in stead of one car.
Medical： Colin has high blood pressure, his medicines cost will increase.
Travel: Colin and Jill like to long-distance travel every month，so that’s why travel cost is increased. Change $50 to $ ...
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What: They should to achieve debt freedom and save enough money before age 65. They supposed to decrease his daily expense to save more money, to pay off the current loan and some credit debts. Then they need to start RESPs for their children.
Why: Their Net cash flow was negative, it means they have more expense than income. They must find a way to solve these problem, even through they have 308879.63 net worth, but it is useless. They have too many loan and mortgage need to repayment.
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Which: They have some constraints which is that they need to pay education for kids, they have economic pressure, so saving money is hard thing for them.
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They want to save $2000 per month to pay off their mortgage $1897.57 monthly.
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We suggest saving money from Entertainment and Transportation.
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Travel $120, Activities $360, Alcohol $120 totally is $600
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They already saving $2040 for one year.
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That is realistic because they can easily to save money form their income, they need to know how to budgeting their money, especially they already have two kids.
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They will save money form their daily life for $2040 for one year, their yearly mortgage is $1897.57*12= $22770.84, they need to saving 10 years money to pay off one year mortgage.
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According to the expense statement for retirement planning, I estimate the expense after Colin and Jill retirement is $28546.68. It means they need income after tax is same amount.
Electricity/water: When they are after 65 year old, they should sleep so early that compare with before. That’s why their electricity usage rate is going down. Change $150 to $100 per month
Internet: they don’t use internet after 65 years old, because they always watching TV or reading book, no time to use internet. Change $100 to $50 per month
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What is a financial plan?
What are the guidelines to keep in mind when starting to manage your financials?
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The Vulnerabilities of Individuals Born Under Swati Nakshatra.pdf
Individuals born under Swati Nakshatra often exhibit a strong sense of independence and adaptability, yet they may also face vulnerabilities such as indecisiveness and a tendency to be easily swayed by external influences. Their quest for balance and harmony can sometimes lead to inner conflict and a lack of assertiveness. To know more visit: astroanuradha.com
Is Lucid Dreaming Dangerous? Risks and Benefits!
Lucid Dreaming: Understanding the Risks and Benefits
The ability to control one's dreams or for the dreamer to be aware that he or she is dreaming. This process, called lucid dreaming, has some potential risks as well as many fascinating benefits. However, many people are hesitant to try it initially for fear of the potential dangers. This article aims to clarify these concerns by exploring both the risks and benefits of lucid dreaming.
The Benefits of Lucid Dreaming
Lucid dreaming allows a person to take control of their dream world, helping them overcome their fears and eliminate nightmares. This technique is particularly useful for mental health. By taking control of their dreams, individuals can face challenging scenarios in a controlled environment, which can help reduce anxiety and increase self-confidence.
Addressing Common Concerns
Physical Harm in Dreams Lucid dreaming is fundamentally safe. In a lucid dream, everything is a creation of your mind. Therefore, nothing in the dream can physically harm you. Despite the vividness and realness of the dream experience, it remains entirely within your mental landscape, posing no physical danger.
Mental Health Risks Concerns about developing PTSD or other mental illnesses from lucid dreaming are unfounded. As soon as you wake up, it's clear that the events experienced in the dream were not real. On the contrary, lucid dreaming is often seen as a therapeutic tool for conditions like PTSD, as it allows individuals to reframe and manage their thoughts.
Potential Risks of Lucid Dreaming
While generally safe, lucid dreaming does come with a few risks as well:
Mixing Dream Memories with Reality Long-term lucid dreamers might occasionally confuse dream memories with real ones, creating false memories. This issue is rare and preventable by maintaining a dream journal and avoiding lucid dreaming about real-life people or places too frequently.
Escapism Using lucid dreaming to escape reality can be problematic if it interferes with your daily life. While it is sometimes beneficial to escape and relieve the stress of reality, relying on lucid dreaming for happiness can hinder personal growth and productivity.
Feeling Tired After Lucid Dreaming Some people report feeling tired after lucid dreaming. This tiredness is not due to the dreams themselves but often results from not getting enough sleep or using techniques that disrupt sleep patterns. Taking breaks and ensuring adequate sleep can prevent this.
Mental Exhaustion Lucid dreaming can be mentally taxing if practiced excessively without breaks. It’s important to balance lucid dreaming with regular sleep to avoid mental fatigue.
Lucid dreaming is safe and beneficial if done with caution. It has many benefits, such as overcoming fear and improving mental health, and minimal risks. There are many resources and tutorials available for those interested in trying it.
English - The Book of 1st Samuel the Prophet.pdf
The Book of Samuel is a book in the Hebrew Bible, found as two books in the Old Testament. The book is part of the Deuteronomistic history, a series of books that constitute a theological history of the Israelites and that aim to explain God's law for Israel under the guidance of the prophets.
Heartfulness Magazine - June 2024 (Volume 9, Issue 6)
Dear readers,
This month we continue with more inspiring talks from the Global Spirituality Mahotsav that was held from March 14 to 17, 2024, at Kanha Shanti Vanam.
We hear from Daaji on lifestyle and yoga in honor of International Day of Yoga, June 21, 2024. We also hear from Professor Bhavani Rao, Dean at Amrita Vishwa Vidyapeetham University, on spirituality in action, the Venerable BhikkuSanghasena on how to be an ambassador for compassion, Dr. Tony Nader on the Maharishi Effect, Swami Mukundananda on the crossroads of modernization, Tejinder Kaur Basra on the purpose of work, the Venerable GesheDorjiDamdul on the psychology of peace, the Rt. Hon. Patricia Scotland, KC, Secretary-General of the Commonwealth, on how we are all related, and world-renowned violinist KumareshRajagopalan on the uplifting mysteries of music.
Dr. Prasad Veluthanar shares an Ayurvedic perspective on treating autism, Dr. IchakAdizes helps us navigate disagreements at work, Sravan Banda celebrates World Environment Day by sharing some tips on land restoration, and Sara Bubber tells our children another inspiring story and challenges them with some fun facts and riddles.
Happy reading,
The editors
Monthly Khazina-e-Ruhaniyaat Jun’2024 (Vol.15, Issue 2)
2nd issue of Volume 15. A magazine in urdu language mainly based on spiritual treatment and learning. Many topics on ISLAM, SUFISM, SOCIAL PROBLEMS, SELF HELP, PSYCHOLOGY, HEALTH, SPIRITUAL TREATMENT, Ruqya etc.A very useful magazine for everyone.
Astronism, Cosmism and Cosmodeism: the space religions espousing the doctrine...
This lecture created by Brandon Taylorian (aka Cometan) specially for the CESNUR Conference held Bordeaux in June 2024 provides a brief introduction to the legacy of religious and philosophical thought that Astronism emerges from, namely the discourse on transcension started assuredly by the Cosmists in Russia in the mid-to-late nineteenth century and then carried on and developed by Mordecai Nessyahu in Cosmodeism in the twentieth century. Cometan also then provides some detail on his story in founding Astronism in the early twenty-first century from 2013 along with details on the central Astronist doctrine of transcension. Finally, the lecture concludes with some contributions made by space religions and space philosophy and their influences on various cultural facets in art, literature and film.
Chandra Dev: Unveiling the Mystery of the Moon God
Shining brightly in the sky, some days more than others, the Moon in popular culture is a symbol of love, romance, and beauty. The ancient Hindu texts, however, mention the Moon as an intriguing and powerful being, worshiped by sages as Chandra.
Sanatan Vastu | Experience Great Living | Vastu Expert
Santan Vastu Provides Vedic astrology courses & Vastu remedies, If you are searching Vastu for home, Vastu for kitchen, Vastu for house, Vastu for Office & Factory. Best Vastu in Bahadurgarh. Best Vastu in Delhi NCR
Lesson 12 - The Blessed Hope: The Mark of the Christian.pptx
Lesson 12 - The Blessed Hope: The Mark of the Christian
SBS – Sunday Bible School
Adult Bible Lessons 2nd quarter 2024 CPAD
MAGAZINE: THE CAREER THAT IS PROPOSED TO US: The Path of Salvation, Holiness and Perseverance to Reach Heaven
Commentator: Pastor Osiel Gomes
Presentation: Missionary Celso Napoleon
Renewed in Grace
Trusting God's Providence | Verse: Romans 8: 28-31
Trusting God's Providence.
Providence - God’s active preservation and care over His creation. God is both the Creator and the Sustainer of all things Heb. 1:2-3; Col. 1:17
-God keep His promises.
-God’s general providence is toward all creation
- All things were made through Him
God’s special providence is toward His children.
We may suffer now, but joy can and will come
God can see what we cannot see
Recently uploaded (12)
The Vulnerabilities of Individuals Born Under Swati Nakshatra.pdf
The Vulnerabilities of Individuals Born Under Swati Nakshatra.pdf
Heartfulness Magazine - June 2024 (Volume 9, Issue 6)
Heartfulness Magazine - June 2024 (Volume 9, Issue 6)
Monthly Khazina-e-Ruhaniyaat Jun’2024 (Vol.15, Issue 2)
Monthly Khazina-e-Ruhaniyaat Jun’2024 (Vol.15, Issue 2)
Astronism, Cosmism and Cosmodeism: the space religions espousing the doctrine...
Astronism, Cosmism and Cosmodeism: the space religions espousing the doctrine...
Chandra Dev: Unveiling the Mystery of the Moon God
Chandra Dev: Unveiling the Mystery of the Moon God
Sanatan Vastu | Experience Great Living | Vastu Expert
Sanatan Vastu | Experience Great Living | Vastu Expert
Lesson 12 - The Blessed Hope: The Mark of the Christian.pptx
Lesson 12 - The Blessed Hope: The Mark of the Christian.pptx
Trusting God's Providence | Verse: Romans 8: 28-31
Trusting God's Providence | Verse: Romans 8: 28-31
Financial presentation
- 3. By Failing to Prepare You Are Preparing to Fail
- 5. Spiritually Regular Church & Temple Attendance Tithing & Other Offerings Magnify Your Callings Prayer & Holy Ghost Temporally Food Storage Healthy Activities Financial Soundness
- 7. Financial Soundness What You Make What You Spend Savings
- 8. Earnings
- 9. What You Spend Question: Need? Or Want?
- 14. Credit Card Payment 15% Rate $2,000 Balance $50 Payments 57 Month (5yrs) Cost = $2,850 $850
- 15. Car Payment 8% Rate $25,000 Loan $500 Payments 62 Months (5+yrs) Cost = $31,000 $8,000 ($23,000)
- 16. House Payment 6% Rate $150,000 Loan $900 Payments 360 Months (30yrs) Cost = $324,000 $174,000
- 17. Savings “A Penny Saved is a Penny Earned” $1.00 + Taxes (30%) = $1.42
- 20. How to Rid Yourself of Debt
- 21. What You Make What You Spend Savings
- 22. What You Spend What You Make Savings
- 25. Pay the debt thou hast contracted. Release thyself from bondage. D&C 19:35
Editor's Notes
- It’ doesn’t have to be a balancing act.
- The problem is choice. We have more choices and options nowadays.
- Mathew 25: 1-13Were the 5 wise virgins wrong?By choosing not to prepare yourself are you relying on others to share with you? Is that fair?
- There are two main ways of being prepared. Spiritually and Temporally
- What is Financial Soundness?
- Simple math, Make more or spend less to increase the gap of money you have to save with.
- Ways to earn more. Education, 2nd job, small season jobs, spare time jobs like computer repair, selling produce from your garden
- What do we truly need. And what do we spend on empty short lasting wants?
- Make instead of buying gifts. Research brands before you buy. Ten second rule. Wait ten seconds pondering if it is a want or a need.
- Adjust the Thermostat and put on a sweater or turn on a ceiling fan. Turning your thermostat down in the Winter and Up ion the Summer can save you more than you think.
- Turn off the TV. Spend the time elsewhere with family, magnifying church callings. Don’t let the idiot box lead you around and tell you what you should believe. Read.
- This is assuming you have good credit. At the end of the loan your card (if in good condition with 90,000 miles is worth $8,000 with a net loss of $23,000.
- But your house could be worth more, however this only is worth it to you if you plan to sell.
- A Penny saved is actually more than a penny earned when you take into account the taxes you pay.
- Never go into debt except for a house, education or a sound business venture. Its better to repair a current car than buy a new one. If you are in debt, take steps to get out today.
- There are two main ways to accomplish this. The smallest first or the costliest first.
- As you “knock off” debts you get motivated. Apply the payments to the debts that are paid off to the next debt and you get an effective snowball effect.
- Break the chains that you have created and be free
- “We are carrying a message of self-reliance throughout the Church. Self-reliance cannot obtain when there is serious debt hanging over a household. One has neither independence nor freedom from bondage when he is obligated to others.”National Debt - Currency