Finance is the source of many conflicts in relationships. If you can manage your family's finances then you are on your way to having a healthier relationship.
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
America faces a financial literacy crisis, as evidenced by rising unsecured debt levels and credit card misuse. Two-thirds of households will likely fail to achieve their life goals due to financial illiteracy. Financial literacy involves understanding key areas like money management, spending, savings, and risk to achieve long-term goals like homebuying, retirement, and unexpected life events. Lifelong learning is needed to maintain financial literacy.
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
This document provides an introduction to personal financial management. It discusses that personal financial management is about making wise financial decisions regarding investments, disinvestments, loans, and major purchases. It provides some pointers for personal financial management, including keeping household and lifestyle expenses below 35% of post-tax earnings, keeping EMIs below 45% of post-tax earnings, and saving at least 20% of post-tax earnings. It also stresses the importance of having a cash reserve of at least 6 months of expenses and proper financial protection for liabilities and responsibilities.
Trident Technical College's Student Support Services program provides resources to help students learn how to manage their money through organizing their finances, setting financial goals and creating budgets. The document outlines six steps for students: 1) Organize personal financial records and accounts, 2) Review current income and expenses, 3) Set short, mid, and long-term financial goals, 4) Create a budget and identify areas for improvement, 5) Understand different types of bank and credit accounts, and 6) Save for emergencies, goals and the future by investing money wisely. Additional resources for students seeking financial help include on-campus programs, tax credits, discounts, and online financial planning tools.
This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
November is Financial Literacy month. Did you know that 48% of Canadians say they’ve lost sleep because of financial worries?* Financial stress can be detrimental to mental and physical health, families, relationships and even productivity. With this in mind, we’re providing our advisors with a powerpoint presentation to promote financial literacy in the community. Download it at: https://financialtechtools.ca/financial-literacy/
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
America faces a financial literacy crisis, as evidenced by rising unsecured debt levels and credit card misuse. Two-thirds of households will likely fail to achieve their life goals due to financial illiteracy. Financial literacy involves understanding key areas like money management, spending, savings, and risk to achieve long-term goals like homebuying, retirement, and unexpected life events. Lifelong learning is needed to maintain financial literacy.
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
This document provides an introduction to personal financial management. It discusses that personal financial management is about making wise financial decisions regarding investments, disinvestments, loans, and major purchases. It provides some pointers for personal financial management, including keeping household and lifestyle expenses below 35% of post-tax earnings, keeping EMIs below 45% of post-tax earnings, and saving at least 20% of post-tax earnings. It also stresses the importance of having a cash reserve of at least 6 months of expenses and proper financial protection for liabilities and responsibilities.
Trident Technical College's Student Support Services program provides resources to help students learn how to manage their money through organizing their finances, setting financial goals and creating budgets. The document outlines six steps for students: 1) Organize personal financial records and accounts, 2) Review current income and expenses, 3) Set short, mid, and long-term financial goals, 4) Create a budget and identify areas for improvement, 5) Understand different types of bank and credit accounts, and 6) Save for emergencies, goals and the future by investing money wisely. Additional resources for students seeking financial help include on-campus programs, tax credits, discounts, and online financial planning tools.
This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
November is Financial Literacy month. Did you know that 48% of Canadians say they’ve lost sleep because of financial worries?* Financial stress can be detrimental to mental and physical health, families, relationships and even productivity. With this in mind, we’re providing our advisors with a powerpoint presentation to promote financial literacy in the community. Download it at: https://financialtechtools.ca/financial-literacy/
Financial Literacy for Teens and Students Experian_US
Join our #CreditChat every Wednesday at 3 p.m. ET on Twitter and YouTube. This week, we discussed Financial Literacy for Teens and Students. Our #CreditChat panel included Steve & Annette Economides – New York Times Best Selling Authors and Founders of MoneySmartFamily.com, Laura Levine – President of the Jump$tart Coalition: Financial Smarts for Students, Brian Page - Budget Challenge Outreach and Education, Manager and Debbi King- Personal Finance and Life Coach and Owner of ABC’s of Personal Finance. We were also joined by several influencers in the personal finance community on Twitter. This deck features tips from: @FinEdChat, @WealthwithMina, @mymoneycoach_ca, @RAHomes, @FamZoo, @LeslieHTayneEsq, @ncl_tweets, @NextGenPF, @b__wil, @christaylor_nyc, @ACCC_helps, @TraeRetailMeNot, @PiggieBanker, @MiriamSCross and @emergebenefit
This document provides an overview of financial literacy training objectives and concepts. The objectives are to understand financial literacy, effective financial planning, savings culture, and investment vehicles. It defines financial literacy and explains its importance. Key concepts covered include budgeting, saving, investing, debt management, and steps to create a basic financial plan such as assessing your situation, setting goals, and regular reviews. Ways to save like bank accounts and assets are discussed. The importance of discipline and starting a savings plan are emphasized.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
This document discusses the importance of financial literacy and savings. It begins by defining key concepts like money, savings, and investment. It then explains why saving is important, such as for emergencies, retirement, and opportunities. The document addresses common misconceptions about savings and outlines benefits like peace of mind, safety nets, and earning interest. Finally, it provides tips for saving regularly through deductions, reducing expenses, and consumption. The overall message is that financial literacy and savings are vital for security and achieving life goals.
This document provides an overview of money management skills and concepts. It discusses creating a personal balance sheet and cash flow statement, developing a personal budget, and connecting money management activities to personal financial goals. Major topics covered include determining assets and liabilities, tracking income and expenses over time, and using a budget to spend and save effectively.
1) The document discusses personal financial planning, outlining the benefits of planning such as managing cash flow and achieving personal goals.
2) It explains key concepts in financial planning like the financial planning pyramid, cash flow analysis, net worth, risk profiling, and emergency funds.
3) The financial planning process is outlined as establishing relationships with clients, collecting information, analyzing their status, developing recommendations, implementing plans, and reviewing progress.
Normally people think financial goals require a high salary or wealth, but financial planning can achieve goals. Financial planning involves managing current resources through disciplined investing in options to achieve financial goals. It considers resources, investment options, and goals. A financial planner analyzes the situation, recommends an asset allocation plan, and monitors it over time to achieve the client's changing needs and opportunities.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
1) Personal financial planning involves arranging one's finances to achieve goals through spending, saving, and investing. It has benefits like increased control over finances and freedom from financial worries.
2) There are six steps to financial planning: 1) determine your current financial situation, 2) develop financial goals, 3) identify alternative courses of action, 4) evaluate alternatives, 5) create a financial plan of action, and 6) review and revise the plan.
3) Creating a strong financial plan involves understanding your needs and goals, and developing customized strategies for income tax, estate planning, retirement, investments, education, business, and risk management to navigate financial challenges and changes over time.
An Introduction about personal financial management for family and individual. This includes planning process, focus areas and the consumer activities in planning.
Personal Financial Management through 5nance.comManvi Sharma
The document discusses personal financial management. It notes that personal finance addresses how individuals obtain, budget, save, and spend monetary resources over time based on their goals, risk appetite, income, expenses, and accumulated wealth. It also discusses assessing an individual's risk profile based on their life stage and matching them with appropriate financial products and investment classes, from low to high risk, to achieve different return expectations. The conclusion emphasizes the importance of financial education, knowing one's risk tolerance, regularly reviewing one's portfolio, diversifying investments, and analyzing risks of different financial products.
A look at realities about money; the only five ways that a person can handle money; and some action steps toward becoming a faithful steward of finances. Presented to participants in the Support Raising Workshop, Calvary Church, State College, Pennsylvania, on 7-25-2013.
This document provides information about financial literacy and personal finance. It begins by defining concepts like instant gratification and financial independence. It then prompts the reader to assess their current financial situation by preparing a personal statement of assets and liabilities. The rest of the document outlines 10 rules for financial freedom, including setting savings goals, protecting your income, understanding investment principles like compound interest, and making use of cooperative organizations for strength in numbers.
Why Retirement plan ( Things to remember while planning for retirement )Singharoy Investment
The document discusses abuse and neglect of elders in India. It finds that 42% of elders felt disrespected, 37.8% were verbally abused, and 28.2% experienced neglect or economic abuse. The main abusers were sons and daughters-in-law, and over half of abused elders did not take action. The main context for abuse was related to property. Most elders felt that regular income was the only way to escape abuse. The document also discusses the importance of retirement planning and saving systematically from an early age in order to financially secure one's retirement years.
The document discusses the importance of financial literacy for women. It notes that while women play many important roles, matters of personal finance often take a back seat. However, financial independence is important for women's empowerment. The document advocates for women to learn about concepts like insurance, savings, investments and compound interest to better manage their finances and plan for long term goals and emergencies.
Financial planning is a lifelong process of setting and working towards financial goals through proper management of finances. It helps improve standards of living, financial decision making, assess risk tolerance, and safeguard against financial crises. While financial planning involves investment, it is a broader process of bringing together all aspects of personal finance. Financial planning should be revisited regularly and is beneficial for people at any income level.
Money management involves budgeting, saving, investing, and spending cash wisely. It is important to get organized by creating a list of bills and their due dates to pay on time to avoid fees. Banks pay interest on money deposited in savings accounts, with the amount of interest depending on the annual percentage rate and principal deposited.
A financial plan is a personalized strategy for achieving financial goals by first identifying one's current financial position and then setting short, medium, and long term goals while accounting for variables like inflation. A plan also determines an appropriate asset allocation between stocks, bonds and cash based on risk tolerance, and includes purchasing appropriate insurance, evaluating investments, and monitoring finances over time to stay on track. Developing a financial plan can help investors have twice as much in savings and investments than those without a plan.
This 3 sentence summary provides the key details about the basic financial literacy program described in the document:
The program aims to teach basic financial concepts to kids and teens through a short-term interactive educational course to empower them to be responsible and live problem-free lives, covering topics such as money, banking, savings, taxes, investment, insurance and personal finance.
My Class Presentation for persuasive speech on
Why Financial Literacy is important
The reading material i made for this presentation :
https://anonfiles.com/t5X9Dc6bue/speech_on_financial_literacy_docx
This document discusses Islamic guidelines for managing personal and family finances. It begins by summarizing Muhammad Yunus' work establishing microcredit programs. It then outlines some causes of financial crises like greed and profit-driven businesses. Next, it provides spiritual and practical Islamic guidelines. These include living simply and within one's means, forbidding interest, encouraging charity, and discouraging hoarding of wealth. The document concludes by emphasizing equal roles and responsibilities between husbands and wives in maintaining financial peace in the household through caring attitudes and recognizing different roles.
Financing Your Future Module 5 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Financial Literacy for Teens and Students Experian_US
Join our #CreditChat every Wednesday at 3 p.m. ET on Twitter and YouTube. This week, we discussed Financial Literacy for Teens and Students. Our #CreditChat panel included Steve & Annette Economides – New York Times Best Selling Authors and Founders of MoneySmartFamily.com, Laura Levine – President of the Jump$tart Coalition: Financial Smarts for Students, Brian Page - Budget Challenge Outreach and Education, Manager and Debbi King- Personal Finance and Life Coach and Owner of ABC’s of Personal Finance. We were also joined by several influencers in the personal finance community on Twitter. This deck features tips from: @FinEdChat, @WealthwithMina, @mymoneycoach_ca, @RAHomes, @FamZoo, @LeslieHTayneEsq, @ncl_tweets, @NextGenPF, @b__wil, @christaylor_nyc, @ACCC_helps, @TraeRetailMeNot, @PiggieBanker, @MiriamSCross and @emergebenefit
This document provides an overview of financial literacy training objectives and concepts. The objectives are to understand financial literacy, effective financial planning, savings culture, and investment vehicles. It defines financial literacy and explains its importance. Key concepts covered include budgeting, saving, investing, debt management, and steps to create a basic financial plan such as assessing your situation, setting goals, and regular reviews. Ways to save like bank accounts and assets are discussed. The importance of discipline and starting a savings plan are emphasized.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
This document discusses the importance of financial literacy and savings. It begins by defining key concepts like money, savings, and investment. It then explains why saving is important, such as for emergencies, retirement, and opportunities. The document addresses common misconceptions about savings and outlines benefits like peace of mind, safety nets, and earning interest. Finally, it provides tips for saving regularly through deductions, reducing expenses, and consumption. The overall message is that financial literacy and savings are vital for security and achieving life goals.
This document provides an overview of money management skills and concepts. It discusses creating a personal balance sheet and cash flow statement, developing a personal budget, and connecting money management activities to personal financial goals. Major topics covered include determining assets and liabilities, tracking income and expenses over time, and using a budget to spend and save effectively.
1) The document discusses personal financial planning, outlining the benefits of planning such as managing cash flow and achieving personal goals.
2) It explains key concepts in financial planning like the financial planning pyramid, cash flow analysis, net worth, risk profiling, and emergency funds.
3) The financial planning process is outlined as establishing relationships with clients, collecting information, analyzing their status, developing recommendations, implementing plans, and reviewing progress.
Normally people think financial goals require a high salary or wealth, but financial planning can achieve goals. Financial planning involves managing current resources through disciplined investing in options to achieve financial goals. It considers resources, investment options, and goals. A financial planner analyzes the situation, recommends an asset allocation plan, and monitors it over time to achieve the client's changing needs and opportunities.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
1) Personal financial planning involves arranging one's finances to achieve goals through spending, saving, and investing. It has benefits like increased control over finances and freedom from financial worries.
2) There are six steps to financial planning: 1) determine your current financial situation, 2) develop financial goals, 3) identify alternative courses of action, 4) evaluate alternatives, 5) create a financial plan of action, and 6) review and revise the plan.
3) Creating a strong financial plan involves understanding your needs and goals, and developing customized strategies for income tax, estate planning, retirement, investments, education, business, and risk management to navigate financial challenges and changes over time.
An Introduction about personal financial management for family and individual. This includes planning process, focus areas and the consumer activities in planning.
Personal Financial Management through 5nance.comManvi Sharma
The document discusses personal financial management. It notes that personal finance addresses how individuals obtain, budget, save, and spend monetary resources over time based on their goals, risk appetite, income, expenses, and accumulated wealth. It also discusses assessing an individual's risk profile based on their life stage and matching them with appropriate financial products and investment classes, from low to high risk, to achieve different return expectations. The conclusion emphasizes the importance of financial education, knowing one's risk tolerance, regularly reviewing one's portfolio, diversifying investments, and analyzing risks of different financial products.
A look at realities about money; the only five ways that a person can handle money; and some action steps toward becoming a faithful steward of finances. Presented to participants in the Support Raising Workshop, Calvary Church, State College, Pennsylvania, on 7-25-2013.
This document provides information about financial literacy and personal finance. It begins by defining concepts like instant gratification and financial independence. It then prompts the reader to assess their current financial situation by preparing a personal statement of assets and liabilities. The rest of the document outlines 10 rules for financial freedom, including setting savings goals, protecting your income, understanding investment principles like compound interest, and making use of cooperative organizations for strength in numbers.
Why Retirement plan ( Things to remember while planning for retirement )Singharoy Investment
The document discusses abuse and neglect of elders in India. It finds that 42% of elders felt disrespected, 37.8% were verbally abused, and 28.2% experienced neglect or economic abuse. The main abusers were sons and daughters-in-law, and over half of abused elders did not take action. The main context for abuse was related to property. Most elders felt that regular income was the only way to escape abuse. The document also discusses the importance of retirement planning and saving systematically from an early age in order to financially secure one's retirement years.
The document discusses the importance of financial literacy for women. It notes that while women play many important roles, matters of personal finance often take a back seat. However, financial independence is important for women's empowerment. The document advocates for women to learn about concepts like insurance, savings, investments and compound interest to better manage their finances and plan for long term goals and emergencies.
Financial planning is a lifelong process of setting and working towards financial goals through proper management of finances. It helps improve standards of living, financial decision making, assess risk tolerance, and safeguard against financial crises. While financial planning involves investment, it is a broader process of bringing together all aspects of personal finance. Financial planning should be revisited regularly and is beneficial for people at any income level.
Money management involves budgeting, saving, investing, and spending cash wisely. It is important to get organized by creating a list of bills and their due dates to pay on time to avoid fees. Banks pay interest on money deposited in savings accounts, with the amount of interest depending on the annual percentage rate and principal deposited.
A financial plan is a personalized strategy for achieving financial goals by first identifying one's current financial position and then setting short, medium, and long term goals while accounting for variables like inflation. A plan also determines an appropriate asset allocation between stocks, bonds and cash based on risk tolerance, and includes purchasing appropriate insurance, evaluating investments, and monitoring finances over time to stay on track. Developing a financial plan can help investors have twice as much in savings and investments than those without a plan.
This 3 sentence summary provides the key details about the basic financial literacy program described in the document:
The program aims to teach basic financial concepts to kids and teens through a short-term interactive educational course to empower them to be responsible and live problem-free lives, covering topics such as money, banking, savings, taxes, investment, insurance and personal finance.
My Class Presentation for persuasive speech on
Why Financial Literacy is important
The reading material i made for this presentation :
https://anonfiles.com/t5X9Dc6bue/speech_on_financial_literacy_docx
This document discusses Islamic guidelines for managing personal and family finances. It begins by summarizing Muhammad Yunus' work establishing microcredit programs. It then outlines some causes of financial crises like greed and profit-driven businesses. Next, it provides spiritual and practical Islamic guidelines. These include living simply and within one's means, forbidding interest, encouraging charity, and discouraging hoarding of wealth. The document concludes by emphasizing equal roles and responsibilities between husbands and wives in maintaining financial peace in the household through caring attitudes and recognizing different roles.
Financing Your Future Module 5 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
This document discusses leadership and conflict in church congregations. It addresses common causes of conflict like changes in roles or policies. While conflict can be difficult, the document presents ways church leaders can view conflict positively and work to transform it constructively, such as through active listening, validating others' views, and finding consensus. The goal is to reduce violence and increase justice through approaches that respond to real problems between people.
10 Ways Your Boss Kills Employee MotivationOfficevibe
This document outlines 10 ways that bosses can kill employee motivation, including micromanaging employees, focusing only on mistakes, dismissing new ideas, holding useless meetings, making empty promises, telling inappropriate jokes, not keeping their word, measuring employee success in the wrong way, setting unrealistic deadlines, and playing favorites. The document encourages bosses to listen to employee concerns to better motivate them.
The document provides tips for effective money management. It recommends becoming financially independent by educating yourself, setting goals and priorities for spending, saving more than you spend to build wealth. Additionally, it suggests building an emergency fund, teaching children about savings, learning from mistakes, living within a budget, buying smart and in bulk, doing things yourself, and staying healthy. The overall message is that money management is key to financial security and success.
This document discusses issues in family management and presents four key issues:
1) Globalization and technology can drive children away from spending time with family through excessive smartphone and social media use.
2) Polygamy is discussed in the context of Islamic law, noting it is allowed if the husband can treat all wives equitably, with increased taqwa, and afford their needs.
3) Financial management of the family is important, including proper budgeting and ensuring wives and husbands both contribute according to their means.
4) Workaholic parents who are too busy with work may neglect their children's needs despite economic security, while poor families struggle to find work-life balance.
1) INTRODUCTION TO FAMILY COURT
2) THE RELATED STATUTES AND RULES
3) REGISTRATION OF CASES
4) PROCEDURES
5) DECREE NISI & PROCEEDINGS THEREAFTER
6) EXECUTION & ENFORCEMENT OF ORDERS
Everything You Always Wanted To Know About Family Trusts But Were Afraid To AskBruce Givner
Family Trusts. Living Trusts. Inter Vivos Trusts. Revocable Trusts. Synonyms for trusts that are "Will substitutes." They help avoid probate and the need for a conservatorship. They help reduce the fees, including trustee and attorney fees, and delays of probate. Most of the documents are boilerplate, but why? What's wrong with using LegalZoom and other document preparation software? Must you file an IRS Form 1041 for a family trust? Must the living trust get its own EIN? What is a subtrust? What is an administrative trust? What is a grantor? A protector? A complex trust? How is competence determined? Are "no contest" clauses enforceable? Are illegitimate children "heirs"? Must a living trust be notarized? Must it be recorded? What is a "pourover" Will? What is a codicil? What is a holographic will? What is a personal property memorandum? What makes a power of attorney "durable"? What is a health care directive?
What is a "springing" power of attorney? What is a "pot" trust? What is a "specific" bequest? When should I use a corporate trustee? What's the difference between a fiduciary bond and fiduciary insurance? What is a trust certificate? What is a "blanket" assignment of assets? What is "per stirpes"? What is the rule against perpetuities?
This document summarizes how the law around trusts and family law has developed since the landmark case of Kennon v Spry. It discusses the basis of protecting trust assets, the implications of the Family Law Act, and cases that have further shaped this area of law. Key themes explored include the distinction between assets and resources, issues of control over trusts, the purpose of trusts, and implications for testamentary trusts. Practical implications are also addressed, such as the importance of early structuring of trusts.
The document discusses the benefits of using a Stretch IRA Trust to distribute inherited retirement accounts over a beneficiary's lifetime, allowing tax-deferred growth. Naming individual beneficiaries risks the IRA not being stretched, forfeiting up to 99% of potential distributions. A Stretch IRA Trust guarantees distributions are stretched according to a beneficiary's life expectancy by protecting the IRA from creditors and providing distribution instructions.
I was honored to open the Leadership track on the first morning of the Agile2015 conference 3 August 2015 in Fort Washington, MD with this presentation. The message is to consciously develop your powers of intention, awareness, and confront for greater self-direction and leadership. Learn more at ChristopherAvery.com and Partnerwerks.com.
Rakesh Mehta started Mehta Steel Corporation in 1977 which has grown to include two steel manufacturing units with an annual capacity of 20,000 tons. Mehta has three daughters, with the second daughter interested in and pursuing an MBA. Mehta does not currently have a succession plan in place. Choosing a successor from within the family risks nepotism and lack of qualifications, while going outside the family risks lack of commitment, but involving potential successors now and grooming them could help ensure a smooth transition. Professionalizing the management structure and implementing a succession plan would help the long term success and growth of the family business.
An inspiring presentation by Yogachemmal Meena Ramanathan, Cordinator-cum-Yoga therapist CYTER on "Positive Self-Empowerment for the Youth" that was given for faculty and staff members of Avvaiyar College of Engineering and Technology, Thiruvandaiyar near Pondicherry.
This document describes a self-empowerment workshop that uses firewalking as a metaphor for overcoming fears and limitations. It explains that firewalking allows participants to challenge beliefs and gain clarity, determination, and purpose. The workshop uses motivational techniques to help people achieve goals and transform their lives. It offers firewalking and other experiential activities like walking on glass or breaking objects to help participants unleash their potential and enhance performance. Safety is the top priority for the activities.
The document discusses family planning methods including natural family planning, barrier contraception, hormonal birth control, sterilization, and discusses the key points of the Reproductive Health Bill. The bill promotes both natural and modern family planning, and mandates the government fund widespread distribution of contraceptives. It requires reproductive health education in schools and guarantees reproductive healthcare access for all.
Este documento presenta información sobre los conflictos y su gestión. Define el conflicto como una situación en la que dos o más personas entran en oposición o desacuerdo debido a intereses, valores o necesidades incompatibles. Explica que existen conflictos intrapersonales, interpersonales y sociales, y que es importante gestionar los conflictos de manera constructiva buscando soluciones que beneficien a todas las partes involucradas. Recomienda adoptar una actitud positiva ante los conflictos y trazar una estrategia para resolverlos de forma creativa.
Este documento describe un conflicto laboral entre un propietario de volqueta y su conductor. El conductor fue contratado para conducir una volqueta sencilla por 6 meses, pero después de 3 meses el propietario quería cambiarlo a una volqueta doble, a pesar de que el conductor no tenía experiencia con ese tipo de vehículo. Cuando el conductor se negó alegando que su contrato era para conducir una volqueta sencilla, el propietario decidió despedirlo. El conductor acudió a la oficina de trabajo para buscar una conciliación
Este documento describe los conceptos clave relacionados con el conflicto y la resolución de conflictos en equipos de trabajo. Define el conflicto y explica los diferentes tipos de conflicto como los de relación, información, intereses, estructurales y de valores. También describe los estilos para enfrentar conflictos como evasivo, complaciente, impositivo, negociador y colaborador. Finalmente, resume las actitudes adoptadas frente al conflicto como competición, acomodación, evasión, cooperación y compromiso.
7. séptima unidad formativa. técnicas y habilidades en el tratamiento de con...usc
Este documento describe diferentes técnicas y habilidades para el tratamiento de conflictos. Explica las causas, tipos y factores que determinan la resolución de conflictos. También cubre etapas para la resolución de conflictos como las actitudes, manifestación, definición, análisis e intentos de solución. Por último, detalla diferentes maneras de resolver conflictos como la conciliación, mediación, negociación y arbitraje.
Presentation on Money Management offering tips during COVID-19 and practical ways on how to manage money. Budget, Discipline and Goal Setting are key things pay attention to in money management.
This document provides a Christian perspective on personal finance and money management. It discusses that as stewards of God's resources, Christians should diligently manage their finances, pay tithes, avoid debt, and be content with what God provides. The document then gives advice on assessing one's current financial health, getting out of debt through budgeting and negotiation, planning for the future by prioritizing goals like education, marriage and retirement, and leaving a legacy for others through long-term saving and investing. The overall message is that one should take control of their finances to care for their family and build wealth in a way that honors God.
Money is a common source of conflict for many couples. One study showed that over three-quarters of young couples who separated cited financial problems as the primary cause. Additionally, one-third of married couples report that money is their number one issue. The document discusses biblical principles for couples to manage their finances jointly, avoid arguments about spending, and establish unity in their financial decision-making. It also provides tips for open communication around money issues.
This document discusses making money an asset in marriage. It argues that money solves problems and is the greatest resource and currency of love in a marriage. However, money should not be the primary factor or cause divisions, as one cannot serve both God and money. The key lessons are that money is an essential tool for marriage, which is continuous work, and that transparency and willingness to share finances can help money strengthen rather than harm a relationship.
This document provides guidance on wise money management from a biblical perspective. It discusses that money should be spent, saved, budgeted, and given wisely according to biblical principles. The overarching message is that one's perspective on money should be that its ownership ultimately belongs to God, and it cannot provide true happiness, but it can be used faithfully to God's glory through obedience to his financial principles.
Saving money is encouraged in the Bible for future needs. Saving honors God by valuing money as his gift and allowing one to help others in need. Debt is seen as bondage, so spending less than one earns and investing wisely are principles to make money grow over time. Giving to charity also yields high returns. The passage uses Hezekiah as an example of prospering by serving God with all his heart in everything he did.
Christian finances often mirror those of non-Christians, with many living paycheck to paycheck and having little savings. The document advocates adopting God's financial plan outlined in scripture, which includes tithing 10% of one's income. Research shows tithers have less debt, more savings and assets. While tithing reduces income, it encourages budgeting and financial stability. The document argues Christians should have a distinct financial worldview focused on working to give rather than have. Adopting biblical financial principles can benefit individuals and help the church's witness.
This document discusses the concept of financial stewardship from a Christian perspective. It introduces a series of presentations on financial literacy topics. The goal is to provide people with the information they need to make informed financial decisions. It discusses that according to the Bible, everything belongs to God and humans have been given dominion over resources, meaning they should manage them faithfully as stewards. It also references the Parable of the Talents, noting that God rewards faithful stewardship by entrusting more resources to people's care.
This document discusses the concept of financial stewardship from a Christian perspective. It introduces a series of presentations on financial literacy topics. The goal is to provide people with the information they need to make informed financial decisions. It discusses that according to the Bible, everything belongs to God and humans have been given dominion over resources, meaning they should manage them faithfully as stewards. It also references the Parable of the Talents, noting that God rewards faithful stewardship by entrusting more resources to people's care.
CFC Singles For Christ - Financial StewardshipJhonsen Sales
This document discusses biblical principles of financial stewardship. It teaches that everything belongs to God and we are merely stewards of what He has provided. It encourages tithing 10% of one's income to support God's work. It provides guidance on increasing income, decreasing expenses, avoiding debt, and letting money work through investments. The overall message is that one should manage their finances in a way that glorifies God and grows their relationship with Him.
This document is a summary of Rick Warren's sermon on God's financial plan for breaking out of debt. It outlines five biblical principles for financial freedom: 1) Keep good records of income and spending; 2) Plan your spending through budgeting rather than impulse buying; 3) Save money regularly for the future; 4) Return a tithe of 10% to God; 5) Be content with what you have rather than always wanting more. Warren encourages keeping detailed financial records, budgeting to spend less than you earn, and following God's principles rather than cultural messages that promote overspending and debt.
In today’s video we discuss the money myth, rich people are greedy! Is it true? Or just made up?
How many times have you heard somebody say this, ever wonder why people say this? Well what you‘ll most often find, is that the people that believe this and spread this comment, are usually not rich themselves.
Perhaps they tried to become rich or maybe they never tried at all, but it’s the jealousy and resentment that’s really speaking here. In reality, there are plenty of rich people who are more giving than the people on regular salaries, but why are regular individuals not called greedy when they buy a house, car or clothes?
So what do you reckon, is it true or false?
The document summarizes the goals of the website ShootingtheSacredCows.com and introduces the contributors to the eBook.
1) The website aims to challenge commonly held beliefs about money through short, free videos summarizing discussions among Rich Dad advisors.
2) The eBook compiles the video content and aims to educate people about alternative perspectives on financial topics.
3) Brief biographies introduce the Rich Dad advisors who contribute expertise in real estate, paper assets, taxes, law, and branding.
This document outlines a 5-session class on Christian stewardship that covers various areas of responsibility. Session 5 focuses on finances and giving. It discusses how Christians should manage wealth wisely by following budgeting principles and sharing resources, not obsessing over money which can lead to harm. The session includes a video and discussion on seeing money as a tool rather than idol, and keys to living financially successfully through accountability and balancing saving with giving.
This document provides guidance on taking charge of personal finances through principles of positive thinking, knowledge, goal-setting, faith in God, and wise spending. It encourages visualizing financial goals, refusing to think of lack, making God a financial partner, involving family, giving generously, and replacing negative thoughts with abundance mentality through prayer. The overall message is that through faith, organization, discipline and applying biblical principles, one can overcome financial difficulties and thrive.
This document outlines a five-part Sunday school series on biblical principles for managing money. The series, led by financial expert Dave Ramsey, will address topics like budgeting, money myths, debt, generosity, and wealth. Each session includes a key Bible verse, video presentation, discussion questions, and Bible study. The goal is to help participants develop a biblical view of finances and experience freedom, healing, and peace through applying God's principles of wise money management and generous giving.
The document discusses various aspects of personal finance and financial planning. It covers topics like financial security, consumer debt, money management, cash flow, and achieving financial dreams/goals. The overall message is that financial planning is important for achieving stability and happiness, but requires discipline and a plan tailored to individual needs and desires rather than a one-size-fits-all approach. True financial security comes from strength across all financial areas with a strategic long-term plan.
The document discusses biblical principles of stewardship and giving. It defines biblical stewardship as using God-given resources for God-given goals. It outlines implications like viewing every spending decision as spiritual. It lists five biblical commands regarding money: giving, taxes, debt repayment, providing for family, and savings. The key is contentment. Effective stewardship involves allocating limited resources to unlimited needs through a continuous predetermined plan.
This document discusses the importance of a father's presence for their children. It begins by defining the homonym "present" and its different meanings. The main points are:
- The best gift a father can give is their presence, not just being physically present but engaged.
- A father can demonstrate presence through being involved in four key areas: worship, relationships, stewardship, and leadership.
- When fathers are truly present, it leads to better outcomes for children in academics, emotional well-being, and future relationships. The message is that a father's presence is more valuable than any present.
In every trial or challenge, you need to have the proper perspective. As a Christian, one has to re-frame all experiences according to the God we serve. God may not have been the author of our situation but he will use it to accomplish his will.
Success comes in CANs and not CANNOTs. Success is within your grasp if you you want it badly enough and are bold enough to take steps required - Own Your Life, Convert Dreams to Reality, Stay on Track, Be The Best, Design a Blueprint and Never Quit.
A brief overview of the Sabbath School App distributed by the Sabbath School and Personal Ministries Department of the General Conference of Seventh-day Adventists.
Chances are you'll never have enough money to do all the things you'd like, so it is imperative that you budget. Budgeting is a matter of discipline an it is a skill that can be learned. Pay attention to every cent that is spent and plan all your activities and expenditure.
Pension plans provide a tax-efficient way for employees to save for retirement by setting aside a portion of their salary each year. The purpose of a pension plan is to provide income for employees upon retirement, disability, or death. Pension plans are necessary in modern societies as they provide social safety, a steady income source, and help alleviate old-age poverty. In Jamaica, pension plans allow employees to contribute up to 20% of their annual income each year and receive their savings as either a lump sum or annuity upon retirement, disability benefits if permanently disabled before retiring, or a refund of contributions to beneficiaries upon death.
This document provides information on various financial products for families, including:
1) An insurance plan that provides a lump sum payment on death and covers up to six family members for one low monthly premium.
2) A critical illness insurance plan that provides financial benefits if diagnosed with conditions like cancer, heart attack, or stroke to help maintain quality of life.
3) Education savings plans like REPS and Omni Educator that allow parents to save for children's post-secondary education and receive grants or scholarships.
4) Retirement planning benefits like tax-free contributions up to 20% of annual income and control over investment choices.
Relationships are one of the most important things in our lives. Ultimately for each person to become a better individual the quality of the relationships they share will have a significant impact.
This presentation seeks to deal with the characteristics of one of the basic element in our lives. If we appreciate how to act and treat this most important element, it will make us into better individuals.
Secret Keeping is hard work. Most people fail at it. Ensure you do not have a secret keeper in your employ - if you do it is difficult to dismiss him or her.
This presentation was inspired by a statement frequently used by a friend and colleague. Previous successes don't guarantee success today or in the future. Try something new be prepared to learn and excel even though you're in new territory.
This presentation examines the links shared among expectation, disappointment and reality. I've likened the relationship of these three variables to the process of pregnancy and birth. Enjoy!
Caution! Marriage in Progress - 7 Steps to Happily Ever AfterLowenfield Alleyne
This document outlines seven steps to a happily ever after marriage according to a Seventh-day Adventist church. The steps are: 1) avoid addiction, adultery and abuse, 2) have no friction or heat (resolve conflicts respectfully), 3) don't hold grudges, 4) stoke the fire of your relationship through quality time, 5) follow the 60:40 rule of each putting the other's needs first, 6) don't miss out on your time together, and 7) show enough respect for your spouse. Each step includes discussion questions and advice for a successful marriage focused on communication, selflessness, resolving issues respectfully, quality time together, and respect between partners.
Many churches today have become dysfunctional due to a lack of vision, poor leadership, and internal conflicts among members. Without addressing these underlying issues, these churches will continue to struggle and may decline over time if changes are not made. The key is for churches to re-focus on their mission, empower new leaders, and foster an environment of unity, love, and service to the community.
This document discusses commitment in the church. It provides Bible verses emphasizing commitment to God and making the most of opportunities. It then discusses how lack of commitment can negatively impact a church by creating ambiguity, prolonged indecision, and missed opportunities. Churches with committed members are able to clearly define priorities, align their vision and goals, learn from mistakes, act quickly on opportunities, and change direction fluidly without guilt.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
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."
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
16. Goal Setting Example
Goal #1: Emergency Fund (a sample)
Target Date Total Cost Amount Already Saved Amount to Save Each Month
(25 months
from today)
March 5, 2015
$150,000.00
3 months’ expenses
(up to 6 months’
expenses desirable)
$10,000.00 $150,000 – $10,000 = $140,000
$140,000 ÷ 25 months = $5,600per
month
Obstacles to overcome:
• other demands for current expenses
• other goals and priorities
• current spending habits
• limited amount of money coming in each month
• an emergency fund has not been a priority before
• defining what is an emergency
Step 1: Save all loose change for the emergency fund.
Step 2: Buy items on sale and put savings into emergency fund.
Step 3: Pack lunch at least twice each week and put savings in fund.
Step 4: Direct deposit $3,000/month into savings account.