This document provides an exercise for examining one's unique financial history and how childhood experiences influence financial habits and decisions as an adult. It consists of 4 steps: 1) Recalling significant childhood experiences around money and purchases; 2) Describing positive childhood memories related to money; 3) Describing negative childhood memories related to money; 4) Comparing childhood patterns to current financial habits and values. Completing this exercise provides insight into motivations for spending decisions and helps distinguish habit-driven purchases from value-driven ones.
1) The document discusses the importance of teaching children financial literacy from a young age. It provides examples of ways to educate kids about money matters at different developmental stages, from preschool through high school.
2) Research shows that money habits are formed as early as age 7 and that children need help from parents to learn skills like saving and delaying gratification.
3) The document encourages talking to kids about earning, spending and saving money; opening bank accounts for children; and assigning age-appropriate chores with compensation. It stresses the importance of financial literacy education.
The document outlines 5 money lessons that parents should teach their children, based on the author's own financial mistakes and lessons learned. The 5 lessons are: 1) own your mistakes and commit to fixing them, 2) create a family spending plan, 3) save money no matter what, 4) clean up your credit, and 5) agree to disagree respectfully about financial priorities within the family. The author advocates using one's own financial struggles as teaching opportunities for children in order to better prepare them for independent financial management.
Who are We and What is SingleMommie.com all about?
This website was created to be used as a comprehensive resource for single mom’s everywhere. Packed with current information and upbeat articles on careers, education, grants, scholarships, help with housing, parenting tips, relationships, health, fitness, and finances, you’ll find nothing but quality and current information here.
For more details please visit:-http://www.singlemommie.com/
This document provides tips and advice for parents dealing with financial stress, including managing expenses, recognizing unhealthy coping behaviors, involving children in financial discussions, and avoiding common money mistakes as a parent. It encourages assessing financial situations, making needed changes like finding better jobs or side businesses, and drawing families closer through shared meals cooked at home. Parents are advised to have open and ongoing conversations with children about money in age-appropriate ways.
A parent’s guide to providing children with the necessary basic financial skills as early as possible. It’s never too early to develop good saving and spending habits!
This document contains a disclaimer and introduction from the author Julio M. Domanais about the information provided in the e-book. It states that the information should be used as a general guide and the author assumes no liability. It also notes that the e-book contains the author's personal opinions. The introduction then provides background about the author and their motivation for writing the e-book, which is to help others follow their passions and achieve financial literacy. It outlines some of the tips and strategies that will be shared in the e-book.
Mistake #9: Not being willing to pay for professional financial advice. Many people rely only on free online advice rather than paying an expert to analyze their unique situation and recommend tailored solutions. While general advice can help, professional guidance may be needed for complex financial decisions. Not paying for expert advice can lead to missed opportunities or mistakes that end up costing more in the long run.
1) The document discusses the importance of teaching children financial literacy from a young age. It provides examples of ways to educate kids about money matters at different developmental stages, from preschool through high school.
2) Research shows that money habits are formed as early as age 7 and that children need help from parents to learn skills like saving and delaying gratification.
3) The document encourages talking to kids about earning, spending and saving money; opening bank accounts for children; and assigning age-appropriate chores with compensation. It stresses the importance of financial literacy education.
The document outlines 5 money lessons that parents should teach their children, based on the author's own financial mistakes and lessons learned. The 5 lessons are: 1) own your mistakes and commit to fixing them, 2) create a family spending plan, 3) save money no matter what, 4) clean up your credit, and 5) agree to disagree respectfully about financial priorities within the family. The author advocates using one's own financial struggles as teaching opportunities for children in order to better prepare them for independent financial management.
Who are We and What is SingleMommie.com all about?
This website was created to be used as a comprehensive resource for single mom’s everywhere. Packed with current information and upbeat articles on careers, education, grants, scholarships, help with housing, parenting tips, relationships, health, fitness, and finances, you’ll find nothing but quality and current information here.
For more details please visit:-http://www.singlemommie.com/
This document provides tips and advice for parents dealing with financial stress, including managing expenses, recognizing unhealthy coping behaviors, involving children in financial discussions, and avoiding common money mistakes as a parent. It encourages assessing financial situations, making needed changes like finding better jobs or side businesses, and drawing families closer through shared meals cooked at home. Parents are advised to have open and ongoing conversations with children about money in age-appropriate ways.
A parent’s guide to providing children with the necessary basic financial skills as early as possible. It’s never too early to develop good saving and spending habits!
This document contains a disclaimer and introduction from the author Julio M. Domanais about the information provided in the e-book. It states that the information should be used as a general guide and the author assumes no liability. It also notes that the e-book contains the author's personal opinions. The introduction then provides background about the author and their motivation for writing the e-book, which is to help others follow their passions and achieve financial literacy. It outlines some of the tips and strategies that will be shared in the e-book.
Mistake #9: Not being willing to pay for professional financial advice. Many people rely only on free online advice rather than paying an expert to analyze their unique situation and recommend tailored solutions. While general advice can help, professional guidance may be needed for complex financial decisions. Not paying for expert advice can lead to missed opportunities or mistakes that end up costing more in the long run.
10 Questions to Ask when Choosing a Financial PlannerCFLsaving
This document provides a checklist of questions for interviewing a financial planner. It includes questions about the planner's experience, qualifications, services offered, approach, fees, potential conflicts of interest, and disciplinary history. The goal is to find a competent, qualified professional who can meet your specific financial planning needs. Conducting thorough due diligence on a prospective planner is important for securing your financial future.
This document provides an introduction to managing personal finances. It is divided into three parts that discuss spending, savings, and financial goals for the future.
The first part focuses on tracking spending to understand where money is going. It encourages readers to compare anticipated spending to actual spending over one month to identify "spending leaks" where money is being wasted. Small daily purchases like snacks and drinks can add up significantly over time. The second part discusses the importance of starting a savings habit and provides tips for savings accounts and emergency funds. The third part explains how to determine financial goals and make a spending plan to achieve savings targets and reach financial objectives. Overall, the document aims to help readers gain control over spending to free up money for
Where is joomla! going - JoomlaDay Prague 2014Radek Suski
This document discusses Joomla!, an open source content management system. It notes that Joomla! currently powers over 21 million websites, according to a Netcraft survey, and asks where the Joomla! project and community want the software to go in the future. It emphasizes that Joomla! is a community-driven project and encourages providing feedback on its future direction.
This document discusses important financial decisions related to jobs and careers. It provides guidance on factors to consider when taking a job, such as asking about retirement benefits like pensions and health insurance. There are two main types of pension plans - defined benefit plans where the employer pays a retirement benefit, and defined contribution plans like 401(k)s where the employee contributes to their own retirement account. The value of pension benefits depends on salary and length of employment. When changing jobs or careers, it is important to understand how different decisions impact long-term financial security and retirement savings.
This document discusses key factors in retirement planning, including increased life expectancy, inflation, declining pensions, and health care costs. It outlines 5 steps for retirement planning: 1) set goals, 2) estimate expenses, 3) determine resources, 4) estimate savings needed, and 5) make adjustments if savings are insufficient. The document emphasizes starting to save early, maximizing tax-deferred savings plans, diversifying investments, and seeking professional financial planning assistance.
This document discusses estate planning and provides an overview of key considerations and documents. It notes that an estate plan involves more than just a will and should minimize taxes, expenses and conflicts while ensuring your wishes are followed. The summary is:
1) An estate plan involves wills, trusts, powers of attorney and other documents to organize your assets and wishes upon death or incapacity.
2) Key considerations include determining the value of your estate, how assets are owned, beneficiaries, taxes, and potential family conflicts.
3) Estate planning can ensure your wishes are followed, provide for heirs, and minimize costs through proper documentation and tax planning.
The document discusses the importance of starting to save for retirement early. It notes that pensions are rare, social security may not be enough, and your quality of life in retirement depends on how much and how early you save. It provides examples showing how small, regular contributions from a young age can grow substantially over time through compound interest. Employer retirement plans like 401ks offer matching funds and tax-deferred growth that can significantly boost savings. The key messages are to start saving as soon as you have an income and maximize any employer matching funds.
Where is joomla! going @ JoomlaDay™ Poland 2014Radek Suski
The document discusses where the Joomla! project is going. It notes that Joomla! currently powers around 3.3% of existing websites. As a community-driven project, the direction it takes will be determined by contributions from its user base. A history of Joomla! versions is provided, with the next anticipated release being Joomla! 3.5 in 2017. Community members are encouraged to share their visions to help guide the future of the project.
This document discusses the need for improved financial education in the US. It notes that most Americans lack understanding of complex financial concepts and products, leaving them vulnerable. Additionally, an estimated 10-20 million Americans are "unbanked" without bank accounts. The banking industry and community groups are working to improve financial education, reach the unbanked, and help consumers save and build assets through programs like financial literacy courses, school bank branches, and matched savings accounts. However, more remains to be done to build trust and ensure all consumers can capably manage their money.
School health services provide programs and activities to promote student health and well-being. This includes health appraisals to determine student health status, physical screenings, managing communicable diseases, and counseling/referrals. Student growth and development occurs in stages from birth to death, as described by developmental psychologist Erik Erikson, with rapid changes from infancy through teenage years. Health is important for individual well-being, productivity, and longevity.
The document provides tips for raising money-smart children, including talking to children about money early and often, turning everyday experiences into teachable money moments, and providing age-appropriate lessons about earning, saving, spending, donating and investing money starting from a young age. It emphasizes setting a good example, creating an open dialogue, and allowing children to learn from their mistakes with small amounts of money.
How To Structure An Extended Essay. How To WrMary Gregory
The document provides instructions for writing an extended essay in 5 steps:
1. Create an account and order form to request a paper be written for a fee.
2. Writers will bid on the request and the client can select a writer based on qualifications.
3. The writer will complete the paper and the client can request revisions if needed.
4. The client pays for the paper if they approve of the work, and the service offers refunds for plagiarized content.
5. The process allows clients to request multiple revisions to ensure satisfaction with the completed paper.
This document provides an overview of Session I from the book "Money Talk: A Financial Guide for Women". Session I covers financial basics including understanding one's relationship with money, setting money values and goals, and tips for financial planning. It discusses how emotions and past experiences influence financial behaviors. The reader is guided through exercises to evaluate their money personality, values, goals, and relationship with spending. Effective financial planning requires understanding these personal factors and setting specific, measurable goals.
1. The passage discusses the interactions between Native Americans and three European powers (Spain, England, France) when they arrived in North America in the 16th century.
2. Spain's goals were religious conversion, acquiring gold and glory. They initially treated Natives harshly.
3. English settlers came for reasons like escaping overcrowded conditions at home. They relied on Natives for survival skills but later tensions arose as settlers pushed Natives westward.
In lines 75-79, Fortinbras makes a request of Claudius to pass through Denmark on his way to Poland, where he plans to recover lands lost by Norway in a previous war. Specifically, Fortinbras asks for:
"Imperial majesty,/ I crave it as a right, not as a suit,/ That I may pass through the bounds of Denmark/ To help the Lady of Norway, his queen,/ An aunt of mine, and his, to wail her losses."
This document discusses auditing the payroll and human resources cycle. The payroll and HR cycle involves all compensation and human resource activities, including executive pay and benefits, as well as payment of wages for all employees regardless of classification. Key areas the audit examines are compensation packages including bonuses, stock options, and pension agreements. Payroll and HR processes are often material due to the importance of labor costs for service companies. While payable balances may not be significant, disclosures on stock options and pension plans usually are. Audit risk and strategy considerations include risks of fraud in payroll processing and expanded internal controls over payroll transactions.
Mass Media Today Essay. Online assignment writing service.Ashley Opokuaa
Primo Levi's autobiography "Survival in Auschwitz" details his experience as an Italian Jew imprisoned in Auschwitz during WWII. He describes the horrific conditions prisoners faced, including malnutrition and grueling forced labor. Levi was able to survive through climbing the camp's social hierarchy and struggling to maintain his humanity. His ability to endure the dehumanizing environment and outlast other prisoners allowed him to tell his story after the war.
10 Questions to Ask when Choosing a Financial PlannerCFLsaving
This document provides a checklist of questions for interviewing a financial planner. It includes questions about the planner's experience, qualifications, services offered, approach, fees, potential conflicts of interest, and disciplinary history. The goal is to find a competent, qualified professional who can meet your specific financial planning needs. Conducting thorough due diligence on a prospective planner is important for securing your financial future.
This document provides an introduction to managing personal finances. It is divided into three parts that discuss spending, savings, and financial goals for the future.
The first part focuses on tracking spending to understand where money is going. It encourages readers to compare anticipated spending to actual spending over one month to identify "spending leaks" where money is being wasted. Small daily purchases like snacks and drinks can add up significantly over time. The second part discusses the importance of starting a savings habit and provides tips for savings accounts and emergency funds. The third part explains how to determine financial goals and make a spending plan to achieve savings targets and reach financial objectives. Overall, the document aims to help readers gain control over spending to free up money for
Where is joomla! going - JoomlaDay Prague 2014Radek Suski
This document discusses Joomla!, an open source content management system. It notes that Joomla! currently powers over 21 million websites, according to a Netcraft survey, and asks where the Joomla! project and community want the software to go in the future. It emphasizes that Joomla! is a community-driven project and encourages providing feedback on its future direction.
This document discusses important financial decisions related to jobs and careers. It provides guidance on factors to consider when taking a job, such as asking about retirement benefits like pensions and health insurance. There are two main types of pension plans - defined benefit plans where the employer pays a retirement benefit, and defined contribution plans like 401(k)s where the employee contributes to their own retirement account. The value of pension benefits depends on salary and length of employment. When changing jobs or careers, it is important to understand how different decisions impact long-term financial security and retirement savings.
This document discusses key factors in retirement planning, including increased life expectancy, inflation, declining pensions, and health care costs. It outlines 5 steps for retirement planning: 1) set goals, 2) estimate expenses, 3) determine resources, 4) estimate savings needed, and 5) make adjustments if savings are insufficient. The document emphasizes starting to save early, maximizing tax-deferred savings plans, diversifying investments, and seeking professional financial planning assistance.
This document discusses estate planning and provides an overview of key considerations and documents. It notes that an estate plan involves more than just a will and should minimize taxes, expenses and conflicts while ensuring your wishes are followed. The summary is:
1) An estate plan involves wills, trusts, powers of attorney and other documents to organize your assets and wishes upon death or incapacity.
2) Key considerations include determining the value of your estate, how assets are owned, beneficiaries, taxes, and potential family conflicts.
3) Estate planning can ensure your wishes are followed, provide for heirs, and minimize costs through proper documentation and tax planning.
The document discusses the importance of starting to save for retirement early. It notes that pensions are rare, social security may not be enough, and your quality of life in retirement depends on how much and how early you save. It provides examples showing how small, regular contributions from a young age can grow substantially over time through compound interest. Employer retirement plans like 401ks offer matching funds and tax-deferred growth that can significantly boost savings. The key messages are to start saving as soon as you have an income and maximize any employer matching funds.
Where is joomla! going @ JoomlaDay™ Poland 2014Radek Suski
The document discusses where the Joomla! project is going. It notes that Joomla! currently powers around 3.3% of existing websites. As a community-driven project, the direction it takes will be determined by contributions from its user base. A history of Joomla! versions is provided, with the next anticipated release being Joomla! 3.5 in 2017. Community members are encouraged to share their visions to help guide the future of the project.
This document discusses the need for improved financial education in the US. It notes that most Americans lack understanding of complex financial concepts and products, leaving them vulnerable. Additionally, an estimated 10-20 million Americans are "unbanked" without bank accounts. The banking industry and community groups are working to improve financial education, reach the unbanked, and help consumers save and build assets through programs like financial literacy courses, school bank branches, and matched savings accounts. However, more remains to be done to build trust and ensure all consumers can capably manage their money.
School health services provide programs and activities to promote student health and well-being. This includes health appraisals to determine student health status, physical screenings, managing communicable diseases, and counseling/referrals. Student growth and development occurs in stages from birth to death, as described by developmental psychologist Erik Erikson, with rapid changes from infancy through teenage years. Health is important for individual well-being, productivity, and longevity.
The document provides tips for raising money-smart children, including talking to children about money early and often, turning everyday experiences into teachable money moments, and providing age-appropriate lessons about earning, saving, spending, donating and investing money starting from a young age. It emphasizes setting a good example, creating an open dialogue, and allowing children to learn from their mistakes with small amounts of money.
How To Structure An Extended Essay. How To WrMary Gregory
The document provides instructions for writing an extended essay in 5 steps:
1. Create an account and order form to request a paper be written for a fee.
2. Writers will bid on the request and the client can select a writer based on qualifications.
3. The writer will complete the paper and the client can request revisions if needed.
4. The client pays for the paper if they approve of the work, and the service offers refunds for plagiarized content.
5. The process allows clients to request multiple revisions to ensure satisfaction with the completed paper.
This document provides an overview of Session I from the book "Money Talk: A Financial Guide for Women". Session I covers financial basics including understanding one's relationship with money, setting money values and goals, and tips for financial planning. It discusses how emotions and past experiences influence financial behaviors. The reader is guided through exercises to evaluate their money personality, values, goals, and relationship with spending. Effective financial planning requires understanding these personal factors and setting specific, measurable goals.
1. The passage discusses the interactions between Native Americans and three European powers (Spain, England, France) when they arrived in North America in the 16th century.
2. Spain's goals were religious conversion, acquiring gold and glory. They initially treated Natives harshly.
3. English settlers came for reasons like escaping overcrowded conditions at home. They relied on Natives for survival skills but later tensions arose as settlers pushed Natives westward.
In lines 75-79, Fortinbras makes a request of Claudius to pass through Denmark on his way to Poland, where he plans to recover lands lost by Norway in a previous war. Specifically, Fortinbras asks for:
"Imperial majesty,/ I crave it as a right, not as a suit,/ That I may pass through the bounds of Denmark/ To help the Lady of Norway, his queen,/ An aunt of mine, and his, to wail her losses."
This document discusses auditing the payroll and human resources cycle. The payroll and HR cycle involves all compensation and human resource activities, including executive pay and benefits, as well as payment of wages for all employees regardless of classification. Key areas the audit examines are compensation packages including bonuses, stock options, and pension agreements. Payroll and HR processes are often material due to the importance of labor costs for service companies. While payable balances may not be significant, disclosures on stock options and pension plans usually are. Audit risk and strategy considerations include risks of fraud in payroll processing and expanded internal controls over payroll transactions.
Mass Media Today Essay. Online assignment writing service.Ashley Opokuaa
Primo Levi's autobiography "Survival in Auschwitz" details his experience as an Italian Jew imprisoned in Auschwitz during WWII. He describes the horrific conditions prisoners faced, including malnutrition and grueling forced labor. Levi was able to survive through climbing the camp's social hierarchy and struggling to maintain his humanity. His ability to endure the dehumanizing environment and outlast other prisoners allowed him to tell his story after the war.
“CLA USA, Inc. is a financial services company with a safe and conservative approach to planning...an asset preservation philosophy. From IRA’s to surviving spouse needs...CLA USA focuses on the areas that concern you the most.”
The document discusses several aspects that are important for a business to be successful, including having a strong vision, good leadership, sales and revenue generation. It notes that while profit and costs are also important, managers often only look at net profit without fully analyzing the costs of running the business. Controlling costs through profit planning and efficiency can help businesses, especially small businesses, improve profits and financial sustainability.
The document provides instructions for creating an account and submitting assignment requests on the HelpWriting.net website. It outlines a 5-step process: 1) Create an account with an email and password. 2) Complete a form with assignment details. 3) Writers will bid on the request and the customer can choose a writer. 4) The customer receives the paper and can request revisions if needed. 5) HelpWriting guarantees original, high-quality work and refunds are offered for plagiarized content.
The document provides instructions for using an online essay writing service. It outlines a 5-step process: 1) Create an account with personal details. 2) Complete an order form with instructions, sources, and deadline. 3) Review bids from writers and select one. 4) Review the completed paper and authorize payment. 5) Request revisions to ensure satisfaction, with a refund option for plagiarized work. The service aims to provide original, high-quality content to meet customer needs.
The document discusses three approaches to development: the Rights Based approach, Basic Needs approach, and Capability approach. The Rights Based approach views development through the lens of universal human rights to create freedom, justice, and peace. However, it is criticized for being too vague and difficult to implement. The Basic Needs approach focuses on meeting basic material needs like food, water, shelter, and healthcare. But it is limited by not considering higher-level needs. The Capability approach aims to expand people's freedoms and abilities to live fulfilling lives. While comprehensive, it lacks clear guidelines for implementation. In conclusion, the Rights Based approach best promotes fairness but still has room for improvement.
The document discusses the devastating 7.1 magnitude earthquake that hit the Philippines on October
15th, 2013. The earthquake caused massive damage, killing over 90 people. Critical infrastructure like
ports, schools and airports were damaged. A collapsed hospital alone killed 18 people. Children were
also injured at sports complexes as people rushed to exits when the shaking started. In total, the
earthquake destroyed lives and livelihoods across the impacted regions of the Philippines.
Christian perspective on marriage and money matterseocoambs
This document discusses various topics related to marriage, money, and financial well-being from a Christian perspective. It addresses the importance of financial peace and defines it as having the ability to do what God has called you to do. It also discusses the interrelationship between marriage, money, faith, family, and friends. Additionally, it covers money patterns passed down through families, different levels of financial maturity, the four most important financial statements, dealing with money triggers, the importance of perspective, legacy, and other financial planning topics.
3 Simple College Application Mistakes And How To Avoid TheAmanda Crow
Tecumseh was a significant Native American leader who formed a confederation of 32 tribes to resist westward expansion by the Americans and protect Native American land and sovereignty. However, mistakes made by Tecumseh's brother Laulewasika and the unwillingness of tribes to fully cooperate, as well as violent actions taken by American settlers, ultimately led to the failure of Tecumseh's confederation despite his efforts to unite the tribes against the growing threat posed by the Americans.
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.
Guidelines For Writing A Research Paper - 2016Melissa Daehn
The document provides guidelines for writing a research paper in 5 steps: 1) Create an account; 2) Complete an order form with instructions, sources, and deadline; 3) Review bids from writers and choose one; 4) Review the paper and authorize payment; 5) Request revisions until satisfied. It emphasizes original, high-quality content and full satisfaction of needs.
Similar to Student/Client Exercises: History and Profile Quiz (18)
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
How to Fix the Import Error in the Odoo 17Celine George
An import error occurs when a program fails to import a module or library, disrupting its execution. In languages like Python, this issue arises when the specified module cannot be found or accessed, hindering the program's functionality. Resolving import errors is crucial for maintaining smooth software operation and uninterrupted development processes.
हिंदी वर्णमाला पीपीटी, hindi alphabet PPT presentation, hindi varnamala PPT, Hindi Varnamala pdf, हिंदी स्वर, हिंदी व्यंजन, sikhiye hindi varnmala, dr. mulla adam ali, hindi language and literature, hindi alphabet with drawing, hindi alphabet pdf, hindi varnamala for childrens, hindi language, hindi varnamala practice for kids, https://www.drmullaadamali.com
Executive Directors Chat Leveraging AI for Diversity, Equity, and InclusionTechSoup
Let’s explore the intersection of technology and equity in the final session of our DEI series. Discover how AI tools, like ChatGPT, can be used to support and enhance your nonprofit's DEI initiatives. Participants will gain insights into practical AI applications and get tips for leveraging technology to advance their DEI goals.
The simplified electron and muon model, Oscillating Spacetime: The Foundation...RitikBhardwaj56
Discover the Simplified Electron and Muon Model: A New Wave-Based Approach to Understanding Particles delves into a groundbreaking theory that presents electrons and muons as rotating soliton waves within oscillating spacetime. Geared towards students, researchers, and science buffs, this book breaks down complex ideas into simple explanations. It covers topics such as electron waves, temporal dynamics, and the implications of this model on particle physics. With clear illustrations and easy-to-follow explanations, readers will gain a new outlook on the universe's fundamental nature.
Main Java[All of the Base Concepts}.docxadhitya5119
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
Thinking of getting a dog? Be aware that breeds like Pit Bulls, Rottweilers, and German Shepherds can be loyal and dangerous. Proper training and socialization are crucial to preventing aggressive behaviors. Ensure safety by understanding their needs and always supervising interactions. Stay safe, and enjoy your furry friends!
it describes the bony anatomy including the femoral head , acetabulum, labrum . also discusses the capsule , ligaments . muscle that act on the hip joint and the range of motion are outlined. factors affecting hip joint stability and weight transmission through the joint are summarized.
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
-------------------------------------------------------------------------------
Find out more about ISO training and certification services
Training: ISO/IEC 27001 Information Security Management System - EN | PECB
ISO/IEC 42001 Artificial Intelligence Management System - EN | PECB
General Data Protection Regulation (GDPR) - Training Courses - EN | PECB
Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
-------------------------------------------------------------------------------
For more information about PECB:
Website: https://pecb.com/
LinkedIn: https://www.linkedin.com/company/pecb/
Facebook: https://www.facebook.com/PECBInternational/
Slideshare: http://www.slideshare.net/PECBCERTIFICATION
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
Student/Client Exercises: History and Profile Quiz
1. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Student/Client Exercises
History and Profile Quiz
How Childhood Dreams Become Adult Habits
As with the learners in your classrooms and seminars, your own family history influences your
decisions today. Dreams and fantasies about wanting toys, clothes, and other possessions (material
and intrinsic) begin in childhood and stay with us more or less over the years. The dream of getting
the “treasures” we want is both symbolic and literal for children, and the dream endures for many
of us throughout adulthood. The following exercise is designed to help you examine your unique
money history and recall your dreams and fantasies about the way your parents taught you to value
money and the things money could buy. Doing this will contribute to self-understanding and
should help you better understand the patterns of your students and clients.
Whether spending money, managing money, or making investment decisions, you can unwittingly
reenact your original family culture without being aware of why you are doing it. In fact, you may
be imitating a parent’s behaviors even when you do not like those behaviors.
When you establish a relationship with a partner that will involve joint finances, you now are
dealing with the family patterns and cultures from two distinct pasts. Identifying your childhood
relationships to money will help give you insight into what you value (or hate) about your financial
life today and will allow you to shed the behaviors you have outgrown. The goal is to make
choices that fully reflect your adult values rather than the needs, wants or shoulds that might still
be mired in your childhood.
Your Unique Financial History
With only a few minutes of serious reflection, you can record vital information about your
childhood that will help you understand your relationship to money today.
Step One: Think carefully about what went on in your childhood and how you interacted with
your parents and siblings when it came to your allowance, discussions (or fights) about money,
silences when you asked questions, the purchases you made, the “things” that you wanted, how and
whether you got them, and the purchases and decisions about money that were made for you. Write
a few summary points that you recall as being particularly significant.
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
A-1
2. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Step Two: Write a brief description of your most positive childhood memories about money and
finances, or the things that you knew that money could buy. What did you enjoy? What were the
special features? What made it “special”?
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
Step Three: Write a brief description of your most negative childhood memories about money and
finances, or the things that you knew that money could buy. What did you most dislike? What
experiences related to money and finances made you unhappy when you were a child?
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
Step Four: Now, compare your childhood experiences with your positive and negative financial
habits as an adult. Do you recognize any childhood patterns or preferences brought into adulthood?
If so, are they compatible with your adult values and lifestyle, or do they cause disharmony? It is
time to claim your own values without ever again having to look back in time.
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
_______________________________________________________________________________
The Payoffs of Becoming Financially Competent
The payoffs of learning about these influences and about your money motives and behaviors can
be huge. Ask your partner to complete these exercises too, because the issues you will uncover can
help smooth the way for improved communication and mutual understanding. In fact, the
relationship benefits that will emerge are immediately transferable to the other personal and
professional choices you will make in life.
To begin to use your money history to gain insight into your current behaviors, here are three
crucial questions to ask yourself before you approach the checkout counter on your next shopping
trip:
A-2
3. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
4. Why do I want to buy this/these items?
5. How do I make spending decisions? Am I actively engaged or passive and reactive?
6. Does my decision-making approach help me or hurt me?
As you become better acquainted with your own inner motivations, the answers to these three
questions will sharpen. Focusing on these three questions will help you to further hone your
understanding of your spending patterns. You will discover which purchases are habit-driven or
based on satisfying childhood desires, and which ones are truly value-driven, and you can use this
insight to purposefully navigate your way through the financial decisions you face everyday.
Now Try the Quiz for Yourself
The LifeValues Profile will show you how your four LifeValues categories influence your own
decision making. The results can help you start a conversation with loved ones, advisers, and
even those who depend on you. Encourage the key individuals who participate in or influence
your decision making to take the quiz as well. That should help you improve your ability to work
together, while maintaining your own identity as you make wise choices.
Expect your categories (inner, physical, social and financial) to overlap. Bear in mind that there is
no “wrong” answer. You are simply identifying your preferences. Remember that your answers
are intensely personal—resist the urge to choose an answer someone else might believe is right
for you. Quickly choose only one answer per statement, the one that feels most like who you
really are. Record your answers in the space provided. Then, use the instructions that follow to
interpret your score. You will learn how your values are impacting your financial and other
decisions.
A-3
4. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
The LifeValues Profile Quiz
1. My decision about which vehicle to drive comes down to this main issue:
a) My family members are on board with my decision, and the vehicle will serve all our needs as a
family.
b) I want a vehicle that is dependable and gets me where I’m going with the least amount of trouble.
c) I’ll weigh the costs and benefits of each vehicle and choose the one that meets my budget.
d) I make enough to be able to afford the vehicle I love to drive even if the gas mileage is not great.
2. One important priority I have in looking for my next home includes finding
a) A place where I can make new friends (and/or my children can find friends and playmates).
b) A home in a location where I can have more quiet and privacy.
c) A home in a nice neighborhood that will appreciate in value.
d) A home that has more space, more interesting amenities, or more modern features than my
present home.
3. If I were to be late with a payment that would have serious credit consequences, I would worry most
about
a) My reputation and credit score
b) How this mistake could possibly have occurred and what I need to do so it cannot happen again.
c) Where I could obtain the money to make the payment.
d) The impact this might have on my partner or family.
4. The fundamental reason for health insurance is, in my opinion
a) To prevent bankruptcy or severe financial strain possibly due to medical bills.
b) To be insured against loss of home, material things or lifestyle.
c) To protect the wellbeing of family or loved ones.
d) To allow life’s adventures to continue.
5. When I think about changing jobs, my main concern is
a) Whether the new job would pay enough so I can cover the costs of my lifestyle
b) Finding work that allows me to help others and enjoy my colleagues
c) The total financial package: pay, health care and retirement
d) Having opportunities for personal fulfillment and challenge in my work.
6. I tend to deal with my housing priorities
a) In terms of lifestyle, reworking my ideas to learn what I really want for myself.
b) On a bottom-line basis: Do I have enough to make a comfortable down payment? Can I
handle the monthly payments without too much worry?
c) In terms of physical space: Will it have enough amenities? Extra guest rooms? Closets?
d) By regarding home as the center of my family and social life where I can entertain and my
children can have their friends over.
7. In deciding what to do with a sudden cash windfall, I would
a) Consider taking a trip around the world and enjoy myself thoroughly
b) Investigate a variety of investment possibilities and the long-term return of each.
c) Use it to fund a need, wish or desire of a family member.
d) Buy a new house with all the amenities and comforts I’ve always wanted.
8. In case of serious accident or illness, my support network would likely be
A-4
5. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
a) Well-established and responsive.
b) Not readily accessible.
c) Something I haven’t really thought about.
d) In place but loosely organized.
9. Any decisions I would make (or have already made) about planning for retirement are based on
a) The future needs of my partner and adult children and grandchildren.
b) The retirement calculations that I have made, which have given me a benchmark number toward
which to target my savings for later life.
c) My desire to live an intellectually and physically fulfilled life as an older adult.
d) My ambition to maintain a comfortable lifestyle in a beautiful place and pleasant community
during
retirement.
10. To feel totally satisfied with my housing, I would need
a) A place where I can live as I please and that reflects the “real me” to the outer world.
b) To know my family was 100 percent satisfied and comfortable in the home in which we live.
c) To know that my home represents a good investment as well as a comfortable place to live.
d) A different location or more physical space to expand into than I have in my present home.
11. When it comes to “impulse purchases” of items not previously intended
a) I reflect on whether I’ve treated myself lately and then make my decision.
b) I recall the commitments I have made to others and consider whether I should buy the item.
c) I tend to buy only what is on my list unless the item offers serious savings on something I
know will be needed in the future.
d) I think about how well it will fit in with what I already own and enjoy.
12. The definition of “health” most appropriate for me would be
a) The ability to earn living and maintain my lifestyle.
b) Freedom to share the company and affection of others.
c) The foundation of financial security and wealth accrual.
d) Freedom to pursue my dreams and goals.
13. In making vacation plans, I weigh the value and cost mostly in light of
a) The opportunity to share the trip with people (or someone) I care about and enjoy being with.
b) The chance to see new places, architecture, cuisine, and lifestyles.
c) Fulfilling my desires of being able to do whatever I please during my vacation.
d) The likelihood that the enjoyment will be well worth my investment.
14. If I “fell in love with” and wanted to buy a really big-ticket item (boat, motorcycle, furniture suite)
that was not within my budget
a) I would figure out how to adjust my budget in order to be able to afford it if it were, in all
ways, attractive to me.
b) I would figure out a way to be able to afford something just like it at some future point.
c) I might buy it on impulse and experience serious “buyer’s remorse” later.
d) If I thought it would enhance my family life or give me greater access to friends, I would
sacrifice to buy it—maybe even work extra—to be sure I could make all the payments.
A-5
6. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
15. When people visit my home and see my lifestyle
a) They know that my family and community take priority in my life.
b) They can learn a lot about who I am and what I care about.
c) They cannot tell whether or not I am financially successful.
d) They know I take great pride in the comfort and beauty of my home and its surroundings.
16. In general, I make life’s serious, non-financial decisions
a) Rationally and unemotionally, mostly as business decisions.
b) Mostly on the basis of how they support my quality of life.
c) After discussing them with friends or family I trust.
d) Independently and privately, unlikely to discuss them with others.
17. When I hear the word “security,” I automatically think of
a) A lifestyle in which I have what I need to be comfortable over the long trem.
b) A diversified and sound investment portfolio, and a home that is not mortgaged to the hilt.
c) Family and friendships and a sense of community that will last for a lifetime, no matter what
happens.
d) Having achieved a sense of accomplishment and the freedom to be who I really am.
18. If a home gives me the “freedom” I need, that means I can
a) Be independent, coming and going as I please and living my life as I see fit.
b) Share many common interests with friends and family who live close by.
c) Pay off my mortgage quickly because I would like to own it free and clear as soon as possible.
d. Make any changes I would like to expand, remodel, improve or redecorate.
19. In my ideal financial position, I would have the freedom to
a) Live my life independently without worry.
b) Share in the activities my friends and family enjoy without stressing my budget.
c) Keep my expenses as low as possible while building financial security for the future.
d) Buy the things I like most and enjoy a comfortable lifestyle.
20. Given a choice of health care plans, a major criterion for me would be
a) Having control over which medical providers I can use.
b) A strong referral by a reliable friend or co-worker.
c) Lower deductibles and co-pays for more extensive coverage.
d) A health plan that emphasizes wellness and preventative care.
A-6
7. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Scoring Your Profile Results
Now that you have completed the quiz, here is the key to determining which combination of decision
factors tends to drive your financial decisions. Your ultimate goal, of course, is to help your students or
clients see which decision factors are driving their financial choices and to help them adjust
appropriately. Interpreting your own results first will provide you depth of understanding.
I stands for inner values P stands for physical values
S stands for social values F stands for financial values
Refer to the following list as you score your answers, keeping count of how many Is, Ss, Ps and Fs you
have chosen.
1 a. S b. I c .F d. P
2 a. S b. I c. F d. P
3 a. I b. F c. P d. S
4 a. F b. P c. S d. I
5 a. P b. S c. F d. I
6 a. I b. F c. P d. S
7 a. I b. F c. S d. P
8 a. S b. I c. F d. P
9 a. S b. F c. I d. P
10 a. I b. S c. F d. P
11 a. I b. S c. F d. P
12 a. P b. S c. F d. I
13 a. S b. P c. I d. F
14 a. P b. F c. I d. S
15 a. S b. I c. F d. P
16 a. F b. P c. S d. I
17 a. P b. F c. S d. I
18 a. I b. S c. F d. P
19 a. I b. S c. F d. P
20 a. I b. S c. F d. P
A-7
8. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Interpreting Your Score
A very high LifeValues score (above 9) and a lower LifeValues score (4 and below) clearly reveal
dominant (high scores) and less important (low scores) decision drivers. Scores that are fairly
even across all categories suggest that the four domains are balanced in your life. Neither
situation is preferable to the other. The point is simply to understand how and why you decide as
you do.
In general, your scores can be interpreted in this way:
1. Inner LifeValues (Your “I” Score). If you scored very high here, you value identity,
autonomy, safety and security. Taking charge of your finances can give you the peace of
mind you require in a dynamic global village and a challenging economy. You prefer to
make your own decisions as a means of self-expression. A very low “I” score suggests that
you might see your financial decisions through the eyes of someone else, perhaps
deferring to someone else’s expectations about your earning, spending, saving and
investment patterns. Consider whether that type of decision making is actually providing
comfort for you.
2. Social LifeValues (Your “S” Score). A high S score usually indicates that your chief concerns
involve family needs or preferences of friends. Are you caring for an aging parent, saving
for a child’s college fund, or trying to keep pace with an active social circle? Individuals
with high S scores generally live and finance interactive, perhaps supportive, lifestyles. A
very low S score, on the other hand, might indicate that you live alone, enjoy solitude, and
really value financial independence.
3. Physical LifeValues (Your “P” Score). A high P score suggests concern with your health and
physical surroundings, perhaps your home or the home you dream of owning. Wise
financial planning will support your attempts to maintain a comfortable lifestyle, enjoying
the tangible benefits you value. A high P score also indicates an interest in comfort and
beauty beyond mere functionality. A very low P score might indicate you are always on
the go, more interested in experience than environment, one who tends not to collect
“things.”
4. Financial LifeValues (Your “F” Score). If you scored high in this category, financial
management is probably important to you already, or you are strongly inclined to learn to
handle your finances more effectively. Developing your financial skills will honor this
value and maximize your knowledge and interest in things financial. If you scored very
low in the F category, you probably make your financial decisions impulsively or at least
subjectively. You might be using money to satisfy your social or physical preferences, and
that’s just fine as long as you can afford to do this. Consider as well that you might be
neglecting your need to save, invest and spend wisely because these concerns are not of
high enough value to you.
A-8
9. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Interpreting a Balanced LifeValues Profile
Scoring fairly evenly across all categories suggests a balance among relationships and
independence, community and privacy. It might mean that you value your job for everything it
offers: great co-workers, good compensation, and pleasant working conditions. You are probably
handling your earning, spending and saving habits well—or at least well enough to provide a
sense of comfort. Each category impacts your capacity for decision-making.
Interpreting Higher and Lower Scores
For scores in particular domains that reach 9 or higher, refer to the following Table 1. High Scores
to help you understand how that domain helps drive your financial and other decisions.
If you scored 4 or below in a particular domain, the following Table 2. Low Scores can help you see
how that particular part of the decision making process is playing a minor (but possibly important) role
in your choices.
A-9
10. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Table 1. High Scores
High I Score High S Score High P Score High F Score
You have a clear You probably look You seek an income You probably like your
sense of self. after the needs of and cash flow that job mostly for its
others as much or helps you achieve a financial benefits.
Whether you are yet even more than your certain lifestyle or
a disciplined saver or own. standard of living. When you spend
not, you know that money or invest,
financial security can You seek to work and You value prosperity knowing you are
be a key to personal play with people you in order to enjoy getting value gives you
fulfillment. care about. material goods and pleasure.
comfort.
You “invest” in self- You probably make You make financial
expression, seek your financial decisions Your main goal in plans for long-term
own sense of purpose mostly to nurture earning and spending security and short-term
and want an relationships. is to enjoy life in your goals.
environment that home and
reflects “who you You budget with the surroundings. Your financial
really are.” needs and well-being decisions are “hands
of loved ones in As you invest in your on.”
You are concerned mind. savings and retirement
with doing whatever accounts, you are You also value
you can to achieve You might make likely to be planning accuracy, organization,
your goals and make investment and other for a comfortable and discipline in the
your dreams come financial choices future with the time financial professionals
true. because trusted and place where you and organizations that
individuals advise can enjoy your you deal with.
You are more you to do so. retirement lifestyle.
concerned with your
own future well Your financial goals If you’ve been
being with less involve family and/or spending too much,
regard for others’ your community. better start saving
needs or demands. NOW.
A-10
11. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Table 2. Low Scores
Low I Score Low S Score Low P Score Low F Score
You might be a You may be a Material Budgeting is
little out of loner and tend pleasures and annoying to
touch with your to make consumables you, and you
need for financial have little have little
personal decisions-wise interest for you. interest in
expression, or not- in your investing or in
perhaps staying own self Others might balancing your
in a job with interests. question your accounts.
little fulfillment. lifestyle, but
Your spending you are more Your spending
You spend your may be guided focused on is aimed at
money on other by lifestyle, or people or job rewarding
people or to the need for satisfaction than relationships or
achieve a self-expression, on keeping up comfortable
particular but it is not with the lifestyle; job
lifestyle. related to the Joneses. satisfaction
needs or wants drives your
You might of others. You are likely work.
enjoy finding a to spend on
bargain, but you You save to behalf of others You might be
might also honor personal or in order to susceptible to
unwittingly be goals rather than ensure your impulsive
depriving to ensure a safety or self- buying.
yourself. certain type of expression.
family or You are
Your plans for community Saving is, for probably not a
your future lifestyle in your you, a way to faithful saver
might be hard to retirement protect family unless you
finance and years. needs or self- establish
secure because fulfillment. A automatic
they are not modest systems to do
fully developed. retirement might this for you.
work out just
fine for you. Money topics
are not likely to
be enjoyable to
read or discuss.
Changing LifeValues
Your Profile can shift over time, and your preferences might vary in response to the particular issues or
opportunities facing you at any given time. Remember Joan, the graphic artist who left husband, home
and everything familiar to strike out on her own at the age of 58? Several months after her move, when
she was settled in, living on her own for the first time in her life, she took the LifeValues Profile Quiz
again. Her scores were markedly different from her earlier profile, now aligned with her deepest values.
For the first time in her life, her highest score was in the “F” Financial domain! Her next highest scores,
A-11
12. Institute for Socio-Financial Studies (ISFS) Lois A. Vitt, Ph.D. lvitt@isfs.org
Inner and Physical, were tied at 5, and Social was at a low of 2. Joan was not surprised: “I’m taking
care of myself for the first time in my life, and I’m finally managing my finances on my own,” she said.
In addition, your own profile might be very different from that of your spouse, partner, or other person
central to your financial decisions. Such a situation should be considered carefully.
If your “other half” scores low where you score high and vice versa, financial decision making over
time could eventually undermine your relationship. And, if you are not even able to discuss your
individual results on the quiz and consider accounting for differences, chances are very good that
financial decisions are already negatively impacting your mutual lives. In that case, professional help
would be a very good idea.
Applying Life Value Scores for your Future Security
You have taken the Profile Quiz because you are about to give this exercise to your students or clients.
You will be enriched as a teacher or counselor by learning how this simple exercise can open up their
ability to reflect and to communicate their deeply held values—sometimes values they never knew
they even had. As you continue to learn about your own financial posture and money decisions,
thinking hard about what matters to you in life, the interaction with your students or clients will
continue to inform your teaching style and help you become a more empathic financial educator.
It is a good idea to date and save today’s results as a comparison to future quiz results, as you will also
counsel your learners. At the end of your course, you will see some “aha’s” coming from your students
and clients as they resolve to change—if they can—some of their decision making habits that no longer
serve them. You too will know whether you are on the right financial path, so it is always wise to
retake the quiz from time to time and see how your decision making process has changed with new
knowledge and insight.
Awareness over time gives us more information about how we are influenced by the social realities
that surround us. At the same time we begin to resist those social influences that prevent us from living
life and handling our affairs according to our own core values.
The LifeValues Profile Quiz also can be an excellent tool to consult whenever you are facing a major
life decision: career change, marrying, starting a family, buying a home, retiring, taking over the care
of an aging parent, or any planned or unplanned major life transition.
Too often, we can get caught up in the momentum of these emotion-laden decisions without thinking
them through. Before we know the whys of our own decision making, we might have made irreversible
choices that later “do not feel right” to us and have disastrous consequences. Like Joan, even after a
long marriage, discovering one’s own core values can have a profound effect. Grounding your choices
in your needs and values can help to prevent and avoid poor life decisions.
A-12