PowerPoint presentation on the subject of managing family finances. Presented at Southwest Keys Boys & Girls Club of Austin, TX. in conjunction with Financial Fitness Greater Austin; sponsored by University Federal Credit Union.
Each money persona has its own set of beliefs and behaviours. Identifying your money persona allows you to better understand and improve your relationship with money.
This document discusses four common money personas - Avoiding Ostrich, Struttin' Peacock, Stashing Crow, and Wary Owl. Each persona is defined by its guiding belief about money and main traits. The Avoiding Ostrich persona avoids dealing with money due to anxiety, the Struttin' Peacock spends money to gain status, the Stashing Crow obsessively saves and earns money, and the Wary Owl is overly cautious about financial risks. Recognizing your dominant money persona can help understand your relationship with money and improve financial management.
Clayton Perlman: How to Find a Hobby That is Good for YouClayton Perlman
Clayton Perlman is a seasoned New Jersey businessman with years of experience in real estate and finance. When Clay is away from work, he can be usually found outdoors playing with his dogs at local parks, exploring hiking trails, fishing, boating, traveling to new places and spending time in nature.
Clayton Perlman: How to Find a Hobby That is Good for YouClayton Perlman
Clayton Perlman is a businessman who enjoys spending time outdoors with his dogs at parks and on hiking trails when not working. The article provides tips for finding a hobby, such as thinking back to interests from childhood, going to stores to see what captures attention, and considering activities stopped due to adult responsibilities. Activities like fishing, boating, traveling, and spending time in nature are examples of hobbies Clayton enjoys in his free time.
*11* Proven Attitudes to Achieve MONUMENTAL Success…John Di Lemme
Enjoy John Di Lemme's presentation on one was of his best teachings, *11* Proven Attitudes to Achieve MONUMENTAL Success.. Visit http://lifestylefreedomclub.com/ for information on John's teachings and mentorship programs.
This message provides advice and encouragement for those who have recently lost their jobs. It suggests taking time to grieve but not becoming bitter or resentful. Seek godly counsel and surround yourself with supportive people who will encourage you to move forward. Have hope, as others like Abraham Lincoln and Martha Stewart succeeded after failures. Reconnect with supportive family, assess your financial needs, explore opportunities, and generate income through existing ventures or your talents. Practice frugality as you work hard to celebrate future success. Counseling is also available to help guide your next steps.
This document provides encouragement and advice for Thrive Life consultants facing challenges and obstacles. It discusses common hurdles like cancelled parties or customers who are upset. It emphasizes focusing on goals rather than failures and not comparing yourself to others. The document offers tips for overcoming fear and discouragement, like finding a "power partner" for support. It encourages responding positively to challenges and celebrating accomplishments.
This document provides a self-assessment to check one's level of self-confidence. It lists a series of questions regarding comfort in social and professional situations, willingness to take initiative and risks, satisfaction with accomplishments and skills, and perception of control over one's life. The document states that answering 'yes' to many questions indicates lower self-confidence, while answering 'no' suggests lower confidence. It aims to help people evaluate their own confidence levels.
Each money persona has its own set of beliefs and behaviours. Identifying your money persona allows you to better understand and improve your relationship with money.
This document discusses four common money personas - Avoiding Ostrich, Struttin' Peacock, Stashing Crow, and Wary Owl. Each persona is defined by its guiding belief about money and main traits. The Avoiding Ostrich persona avoids dealing with money due to anxiety, the Struttin' Peacock spends money to gain status, the Stashing Crow obsessively saves and earns money, and the Wary Owl is overly cautious about financial risks. Recognizing your dominant money persona can help understand your relationship with money and improve financial management.
Clayton Perlman: How to Find a Hobby That is Good for YouClayton Perlman
Clayton Perlman is a seasoned New Jersey businessman with years of experience in real estate and finance. When Clay is away from work, he can be usually found outdoors playing with his dogs at local parks, exploring hiking trails, fishing, boating, traveling to new places and spending time in nature.
Clayton Perlman: How to Find a Hobby That is Good for YouClayton Perlman
Clayton Perlman is a businessman who enjoys spending time outdoors with his dogs at parks and on hiking trails when not working. The article provides tips for finding a hobby, such as thinking back to interests from childhood, going to stores to see what captures attention, and considering activities stopped due to adult responsibilities. Activities like fishing, boating, traveling, and spending time in nature are examples of hobbies Clayton enjoys in his free time.
*11* Proven Attitudes to Achieve MONUMENTAL Success…John Di Lemme
Enjoy John Di Lemme's presentation on one was of his best teachings, *11* Proven Attitudes to Achieve MONUMENTAL Success.. Visit http://lifestylefreedomclub.com/ for information on John's teachings and mentorship programs.
This message provides advice and encouragement for those who have recently lost their jobs. It suggests taking time to grieve but not becoming bitter or resentful. Seek godly counsel and surround yourself with supportive people who will encourage you to move forward. Have hope, as others like Abraham Lincoln and Martha Stewart succeeded after failures. Reconnect with supportive family, assess your financial needs, explore opportunities, and generate income through existing ventures or your talents. Practice frugality as you work hard to celebrate future success. Counseling is also available to help guide your next steps.
This document provides encouragement and advice for Thrive Life consultants facing challenges and obstacles. It discusses common hurdles like cancelled parties or customers who are upset. It emphasizes focusing on goals rather than failures and not comparing yourself to others. The document offers tips for overcoming fear and discouragement, like finding a "power partner" for support. It encourages responding positively to challenges and celebrating accomplishments.
This document provides a self-assessment to check one's level of self-confidence. It lists a series of questions regarding comfort in social and professional situations, willingness to take initiative and risks, satisfaction with accomplishments and skills, and perception of control over one's life. The document states that answering 'yes' to many questions indicates lower self-confidence, while answering 'no' suggests lower confidence. It aims to help people evaluate their own confidence levels.
Creating a budget is Part 2 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
The document discusses different Christian views on the roles of women in ministry. The Orthodox Protestant church believes women should only learn silently and not speak, based on interpretations of the Bible. The Modern Protestant church believes in full equality, allowing women all roles including conducting services. The Catholic church allows women lay roles but believes only men can conduct mass and sacraments, as the priest represents Jesus who had only male disciples. Views differ based on how the Bible is interpreted regarding creation, Paul's letters, and Jesus' relationship with women.
The document discusses best practices in Unitarian Universalist youth ministry. It addresses why new models of youth ministry are important, and the roles of social justice, worship, and leadership development in youth ministry. It provides goals for UU youth ministry and discusses what youth are seeking in ministry experiences. The document also offers suggestions for pastoral care, governance, social action, and welcoming diversity in youth ministry.
This document discusses taking a church to the next level by addressing weaknesses and implementing changes to organizational structure. It begins by outlining typical life cycles churches experience, from emerging to declining. Leadership types are described that can influence growth. The role of the pastor is to examine the church's foundation. Feedback loops of growth and decline are explained. Ministry capital components like spiritual direction, relationships, and facilities are assessed. Barriers to small church growth below 200 members are identified. The document recommends adding staff and restructuring to levels of managerial or organizational models to break through ceilings to the next level above 400 members. A choice is needed from leadership and members to change structures for continued growth.
This document discusses tools of spiritual leadership. It discusses integrity, competence, vision, commitment, communication, delegation, motivation, and continuous improvement as important tools. It provides biblical references and quotes to support each tool. For example, it discusses that integrity involves having a true heart and moral character. It also says vision is the ability to see what is invisible and have courage to think what seems impossible.
This document discusses the life cycle of a church and different leadership types needed at each stage. It identifies South Shore Community Church as currently being in a consolidating stage. The leadership types discussed include the Catalyzer, Organizer, Operator, Reorganizer, and Super Reorganizer. Each type is suited for different stages of decline or growth. The document signals that next week's topic will be how to create growth cycles and discuss positive and negative feedback loops.
This document discusses the predictable life cycle of churches from emerging to growing to consolidating to declining and potentially dying. It analyzes where South Shore Community Church was in 2009 as consolidating, with the mission less clear to newer members, enthusiasm waning, and facilities at maximum capacity. The next steps discussed are how to break declining cycles and take the church to the next level to avoid potential decline.
This document is a chapter from a book about discerning God's call. The chapter focuses on the call to pastoral ministry. It describes the pastoral call as a noble and important high calling, as pastors lead God's most precious creation - the church. It also notes that the pastoral call is primarily a calling of character, as pastoral qualifications in the Bible emphasize virtues like being respectable, gentle, self-controlled, and having a good reputation. The chapter aims to elevate the importance of the pastoral calling and address why some resist this call.
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.
Psychology of Money Summary & LessionsAnantha Ramu
The document summarizes key lessons from the book "Psychology of Money" about financial decision-making and wealth accumulation. It discusses that 1) everyone's financial behavior is influenced by their background, 2) risk, luck, and effort do not always correlate with outcomes, 3) social comparisons and never-ending goals can be problematic, 4) money grows exponentially through compounding if left to grow, and 5) maintaining optimism, flexibility and reason are important mindsets for long-term financial success and freedom.
This document introduces the concept of a personal "Money Blueprint" that is formed in childhood based on verbal programming, modeling behaviors, and specific financial incidents. One's Money Blueprint functions like a thermostat to determine financial success or lack thereof. The author describes attending a "Millionaire Mind Intensive" seminar that uses experiential techniques to permanently change participants' Money Blueprints and set them for a high level of financial success. Attendees who have changed their blueprints in this way report dramatically improved financial circumstances. The document promotes registering for the seminar at a discounted rate.
Success is a result as well as poverty is a result. The formula for success is this: A few simple discipline practiced every day, while failure is the opposite: A few errors in judgement repeated every day.
By knowing this, accepting it as the truth and then learning success principles, you will make your life the best life you can ever live.
Abused women : 10 tips on how to get out of an abusive relationship | domesti...Hilary Overcash
Has your relationship deteriorated into domestic violence, or an emotionally abusive situation? Are you afraid, doubting your own capabilities, or even your sanity?
Getting into a child custody battle can be extremely difficult for you and your family.
Even if the divorce went smoothly, it is normal to be upset at the newly divided family unit.
In the search to obtain child custody, the well-being of the child is always looked at as the most important factor by the courts.
Here are five myths about Child Custody that need to be set straight…
The document discusses women's historical and current relationship with money, highlighting that while women have made progress, challenges remain. It notes women's strengths in investing including being less prone to investment mistakes. The document provides advice and resources for women to better manage their finances and investments in a way that aligns with women's natural strengths and priorities like relationships and family.
Common Money Beliefs - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Financial security comes from having a stable, well-paying job or business. However, less than 10% of Filipinos are truly wealthy due to bad money habits like overspending and lack of savings and investment. To become rich, one must pay themselves first by saving 10% of earnings each paycheck and starting investments early, as it's choices around time and money management, not the amount of money itself, that determines wealth. Success also often involves failure initially, so perseverance is important.
Finding your Financial Flow comes when we understand our money habits, our beliefs and our personality. Once we know where we are, we can move forward to create a more positive relationship with money.
16 reasons rich people are better at managing their money and what you can do to change how you think about your money. This presentation is based on the book "The Millionaire Mind". Rich people have perhaps many advantages, but most millionaires are just average people who think about money in different ways that the rest of us.
Earthsoft Foundation of Guidance (EFG) is working as an NGO/NPO for students - Education & Career guidance and for Professionals for soft skills enhancements. I am working on spreading , sharing knowledge; experience globally.All presentations have been uploaded at www.slideshare.net and search using key word "earthsoft"
What you are today is based on deeds & decisions of the past Life of individual can be much better if one has sought career guidance & took right decisions at critical mile stones Exhibiting & utilising soft skills and Has avoided mistakes in past if any
Earthsoft Foundation of Guidance to be an NGO globally aiming for Students - Career guidance to decide path aligned to the potential & interest Professionals - Soft skill enhancements to be good human being & professional
Citizen – Learning from mistakes of others & avoiding those in own life
Be mentor using your education, knowledge & experience to contribute for a social cause & do conduct free training/ workshop seeking help of existing platforms like rotary,etc
Kindly spread to your friends.Thank you!
- Earthsoft Foundation of Guidance
Let us make earth little softer..
Ann Zuraw Answers Your Questions provides guidance on financial planning and the responsibilities of a financial planner. The document outlines steps for developing an understanding of a client's situation, identifying goals, designing a plan to meet goals, assisting with implementation, and periodic reviews. It encourages contacting Ann Zuraw for help and provides her contact information. The summary highlights the key aspects of the document, which is focused on Ann Zuraw's financial planning services and approach.
Creating a budget is Part 2 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
The document discusses different Christian views on the roles of women in ministry. The Orthodox Protestant church believes women should only learn silently and not speak, based on interpretations of the Bible. The Modern Protestant church believes in full equality, allowing women all roles including conducting services. The Catholic church allows women lay roles but believes only men can conduct mass and sacraments, as the priest represents Jesus who had only male disciples. Views differ based on how the Bible is interpreted regarding creation, Paul's letters, and Jesus' relationship with women.
The document discusses best practices in Unitarian Universalist youth ministry. It addresses why new models of youth ministry are important, and the roles of social justice, worship, and leadership development in youth ministry. It provides goals for UU youth ministry and discusses what youth are seeking in ministry experiences. The document also offers suggestions for pastoral care, governance, social action, and welcoming diversity in youth ministry.
This document discusses taking a church to the next level by addressing weaknesses and implementing changes to organizational structure. It begins by outlining typical life cycles churches experience, from emerging to declining. Leadership types are described that can influence growth. The role of the pastor is to examine the church's foundation. Feedback loops of growth and decline are explained. Ministry capital components like spiritual direction, relationships, and facilities are assessed. Barriers to small church growth below 200 members are identified. The document recommends adding staff and restructuring to levels of managerial or organizational models to break through ceilings to the next level above 400 members. A choice is needed from leadership and members to change structures for continued growth.
This document discusses tools of spiritual leadership. It discusses integrity, competence, vision, commitment, communication, delegation, motivation, and continuous improvement as important tools. It provides biblical references and quotes to support each tool. For example, it discusses that integrity involves having a true heart and moral character. It also says vision is the ability to see what is invisible and have courage to think what seems impossible.
This document discusses the life cycle of a church and different leadership types needed at each stage. It identifies South Shore Community Church as currently being in a consolidating stage. The leadership types discussed include the Catalyzer, Organizer, Operator, Reorganizer, and Super Reorganizer. Each type is suited for different stages of decline or growth. The document signals that next week's topic will be how to create growth cycles and discuss positive and negative feedback loops.
This document discusses the predictable life cycle of churches from emerging to growing to consolidating to declining and potentially dying. It analyzes where South Shore Community Church was in 2009 as consolidating, with the mission less clear to newer members, enthusiasm waning, and facilities at maximum capacity. The next steps discussed are how to break declining cycles and take the church to the next level to avoid potential decline.
This document is a chapter from a book about discerning God's call. The chapter focuses on the call to pastoral ministry. It describes the pastoral call as a noble and important high calling, as pastors lead God's most precious creation - the church. It also notes that the pastoral call is primarily a calling of character, as pastoral qualifications in the Bible emphasize virtues like being respectable, gentle, self-controlled, and having a good reputation. The chapter aims to elevate the importance of the pastoral calling and address why some resist this call.
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.
Psychology of Money Summary & LessionsAnantha Ramu
The document summarizes key lessons from the book "Psychology of Money" about financial decision-making and wealth accumulation. It discusses that 1) everyone's financial behavior is influenced by their background, 2) risk, luck, and effort do not always correlate with outcomes, 3) social comparisons and never-ending goals can be problematic, 4) money grows exponentially through compounding if left to grow, and 5) maintaining optimism, flexibility and reason are important mindsets for long-term financial success and freedom.
This document introduces the concept of a personal "Money Blueprint" that is formed in childhood based on verbal programming, modeling behaviors, and specific financial incidents. One's Money Blueprint functions like a thermostat to determine financial success or lack thereof. The author describes attending a "Millionaire Mind Intensive" seminar that uses experiential techniques to permanently change participants' Money Blueprints and set them for a high level of financial success. Attendees who have changed their blueprints in this way report dramatically improved financial circumstances. The document promotes registering for the seminar at a discounted rate.
Success is a result as well as poverty is a result. The formula for success is this: A few simple discipline practiced every day, while failure is the opposite: A few errors in judgement repeated every day.
By knowing this, accepting it as the truth and then learning success principles, you will make your life the best life you can ever live.
Abused women : 10 tips on how to get out of an abusive relationship | domesti...Hilary Overcash
Has your relationship deteriorated into domestic violence, or an emotionally abusive situation? Are you afraid, doubting your own capabilities, or even your sanity?
Getting into a child custody battle can be extremely difficult for you and your family.
Even if the divorce went smoothly, it is normal to be upset at the newly divided family unit.
In the search to obtain child custody, the well-being of the child is always looked at as the most important factor by the courts.
Here are five myths about Child Custody that need to be set straight…
The document discusses women's historical and current relationship with money, highlighting that while women have made progress, challenges remain. It notes women's strengths in investing including being less prone to investment mistakes. The document provides advice and resources for women to better manage their finances and investments in a way that aligns with women's natural strengths and priorities like relationships and family.
Common Money Beliefs - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Financial security comes from having a stable, well-paying job or business. However, less than 10% of Filipinos are truly wealthy due to bad money habits like overspending and lack of savings and investment. To become rich, one must pay themselves first by saving 10% of earnings each paycheck and starting investments early, as it's choices around time and money management, not the amount of money itself, that determines wealth. Success also often involves failure initially, so perseverance is important.
Finding your Financial Flow comes when we understand our money habits, our beliefs and our personality. Once we know where we are, we can move forward to create a more positive relationship with money.
16 reasons rich people are better at managing their money and what you can do to change how you think about your money. This presentation is based on the book "The Millionaire Mind". Rich people have perhaps many advantages, but most millionaires are just average people who think about money in different ways that the rest of us.
Earthsoft Foundation of Guidance (EFG) is working as an NGO/NPO for students - Education & Career guidance and for Professionals for soft skills enhancements. I am working on spreading , sharing knowledge; experience globally.All presentations have been uploaded at www.slideshare.net and search using key word "earthsoft"
What you are today is based on deeds & decisions of the past Life of individual can be much better if one has sought career guidance & took right decisions at critical mile stones Exhibiting & utilising soft skills and Has avoided mistakes in past if any
Earthsoft Foundation of Guidance to be an NGO globally aiming for Students - Career guidance to decide path aligned to the potential & interest Professionals - Soft skill enhancements to be good human being & professional
Citizen – Learning from mistakes of others & avoiding those in own life
Be mentor using your education, knowledge & experience to contribute for a social cause & do conduct free training/ workshop seeking help of existing platforms like rotary,etc
Kindly spread to your friends.Thank you!
- Earthsoft Foundation of Guidance
Let us make earth little softer..
Ann Zuraw Answers Your Questions provides guidance on financial planning and the responsibilities of a financial planner. The document outlines steps for developing an understanding of a client's situation, identifying goals, designing a plan to meet goals, assisting with implementation, and periodic reviews. It encourages contacting Ann Zuraw for help and provides her contact information. The summary highlights the key aspects of the document, which is focused on Ann Zuraw's financial planning services and approach.
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.
This document provides tips for developing a mindset to attract money and achieve financial freedom. It discusses 5 tips for changing one's thinking to attract wealth, including acting like one is already rich, being grateful for money received, accepting opportunities for money, and doing things that make you feel good. It then outlines a 9 step process to financial freedom, which includes changing one's way of thinking, earning more than spending, creating passive income, avoiding credit cards, buying only needs and occasional wants, increasing one's limits, thinking positively, having self-discipline, and avoiding indulgences. The overall message is that one's mindset and behaviors are key to attracting money and achieving financial stability.
Life and Success- Missing Links - Dr Vijay SardanaVijay Sardana
The document provides advice on living a successful life and achieving goals. It discusses the importance of having a well-balanced life with alignment across one's family, financial, physical, mental, social and spiritual responsibilities. It also emphasizes having a positive attitude, setting goals, avoiding negative influences, taking responsibility for one's actions, and being committed.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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."
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"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.
1. Provided by Ron Ratliff, CPA7703 North Lamar Blvd., Suite 128 Austin, TX 78613 (512) 206-4228 info@ronratliffcpa.com www.ronratliffcpa.com Money Matters: Keeping Track of Your Money
3. Money Matters – How? Reaching milestones Buying your first home Getting married Becoming a parent Starting or buying a business Retirement Establish healthy credit Character Capacity Collateral Other
4. How does it matter to you? Your lifestyle – the ability to live like you want Your peace of mind – you’re prepared for difficult times Your retirement – you know what you want and you’re prepared to take advantage of opportunities Your children’s education – a good education is the single most valuable gift a parent can give a child
6. In his book, Making Love Last Forever, Gary Smalley identifies 5 key differences between men and women: Men love to share facts, women love to express feelings. Men connect by doing things, women connect by talking. Men tend to compete, women tend to cooperate. Men tend to be controlling, women tend to remain agreeable. Men tend to be independent, women tend to be interdependent. 5 Behavioral Differences
7. The Emergency Fund: Men – “Boring…not sophisticated enough.” Women – “The most important key to our financial plan.” Shopping: Men get good deals by negotiating. Women get good deals by hunting. Financial Problems: Men lose self-esteem, because with men money usually represents a scorecard. Women face fear or even terror, because usually with women money represents security. Men, Women & Money:
8. Keeping Track of Your Money The Simplified Spending Plan A plan for every dollar before it arrives Keeping a record Write it down! Don’t over-complicate things – just be consistent Support one another Agree on a threshold that neither of you will spend without discussing it with the other Lock away your credit cards – stop digging yourselves deeper in debt!
14. Always tell the absolute truth. Use the power of cash. Cash is visual. Cash is emotional. Cash is immediate. Be prepared to walkaway! Shutup! Say “That’s not goodenough.” Avoid the “Goodguy, Badguy” routine. Ask for the “freetoaster”. 7 Basic Rules of Negotiation
15. Develop POP – (POWER OVER PURCHASES) Wait overnight before making a purchase Carefully consider your motive Never buy anything that you do not fully understand (KISS) Keep the “Opportunity Cost” in mind Seek wise counsel Maintaining Control over Purchases
16. Are you a spender or a saver? How do you know this? What advantages do singles have when it comes to finances? Disadvantages? In a marriage, why should a spending plan be agreed upon by both partners? Discussion Questions