A talk I gave at a Retirement Preparation program of The OneCORE Success Center. Preparing for long term lifestyle sustainability is not only our obligation to ourselves but also to our children and their families.
The document lists 12 habits that can change one's life: getting up early, watching less TV, writing down goals, investing in one's health, daily gratitude, fostering meaningful relationships, investing in experiences, learning something new, liking, commenting and saving posts on social media, and breaking monotony through discipline and small steps. The author asks readers to comment on any habits they think are missing from the list.
Economic growth refers to an increase in real GDP or real GDP per capita over time. It is calculated as a percentage rate of growth, typically per quarter or year. There are two main sources of economic growth - increasing inputs like capital and labor, or increasing productivity of those inputs through improvements like education. In the US between 1950-2005, real GDP grew at an annual rate of around 3.5% while real GDP per capita increased 2.3% per year. However, growth rates do not tell the whole story and must be qualified to account for improved products/services and increased leisure over time.
This document provides instructions for making a Miss La Sen floating candle holder. The instructions include printing pattern templates for the holder and Miss La Sen figure, cutting foam to shape the holder base, punching holes to assemble the petals and add details, gluing together the pieces of the Miss La Sen figure, and placing a tea light candle inside to create a floating light that can be released onto water for festivals.
The document outlines 12 things that were learned at the Marine Discovery Center, including:
1) The three components of an ecosystem: marine, coastal uplands, and estuarine
2) Four types of mangroves and their characteristics
3) Five species of Florida sea turtles
4) Types of birds, fish, mammals, and other wildlife found in the area's ecosystems
The Marine Discovery Center teaches about local education and conservation through its presentations and exhibits.
Ltc pp mgt330_wk2 Copyright 2013 Edward F. T. Charfauros. Reference, www.Your...Edward F. T. Charfauros
Edward F. T. Charfauros, inspiring author, assists fellow students with their presentation for a successful grade. He also blogs upon his own inspiring blog, where you'll discover life changing stuff. Sign up for his blog by sending him an email~
Copyright 2013 Edward F. T. Charfauros. Reference, www.YourBlogorResume.net.
Este documento describe un editor en línea que permite a los usuarios crear y publicar sitios web en Flash de manera fácil. El editor tiene una interfaz gráfica atractiva que permite a los usuarios arrastrar y soltar funciones como feeds de Instagram, chats en vivo, formularios de contacto y widgets de calificación para crear un sitio web.
This season, on Virtual Design Master, we’ve been dealing with the aftermath of a second round of the zombie outbreak. We’ve designed the systems to build spaceships, which are evacuating what’s left of the human race from the earth. We’ve built the infrastructure to support our new civilization on the moon. We’ve also tried to prepare what’s left of the earth in case there is another round of the outbreak, by fortifying islands across the world by deploying infrastructure remotely.
The document lists 12 habits that can change one's life: getting up early, watching less TV, writing down goals, investing in one's health, daily gratitude, fostering meaningful relationships, investing in experiences, learning something new, liking, commenting and saving posts on social media, and breaking monotony through discipline and small steps. The author asks readers to comment on any habits they think are missing from the list.
Economic growth refers to an increase in real GDP or real GDP per capita over time. It is calculated as a percentage rate of growth, typically per quarter or year. There are two main sources of economic growth - increasing inputs like capital and labor, or increasing productivity of those inputs through improvements like education. In the US between 1950-2005, real GDP grew at an annual rate of around 3.5% while real GDP per capita increased 2.3% per year. However, growth rates do not tell the whole story and must be qualified to account for improved products/services and increased leisure over time.
This document provides instructions for making a Miss La Sen floating candle holder. The instructions include printing pattern templates for the holder and Miss La Sen figure, cutting foam to shape the holder base, punching holes to assemble the petals and add details, gluing together the pieces of the Miss La Sen figure, and placing a tea light candle inside to create a floating light that can be released onto water for festivals.
The document outlines 12 things that were learned at the Marine Discovery Center, including:
1) The three components of an ecosystem: marine, coastal uplands, and estuarine
2) Four types of mangroves and their characteristics
3) Five species of Florida sea turtles
4) Types of birds, fish, mammals, and other wildlife found in the area's ecosystems
The Marine Discovery Center teaches about local education and conservation through its presentations and exhibits.
Ltc pp mgt330_wk2 Copyright 2013 Edward F. T. Charfauros. Reference, www.Your...Edward F. T. Charfauros
Edward F. T. Charfauros, inspiring author, assists fellow students with their presentation for a successful grade. He also blogs upon his own inspiring blog, where you'll discover life changing stuff. Sign up for his blog by sending him an email~
Copyright 2013 Edward F. T. Charfauros. Reference, www.YourBlogorResume.net.
Este documento describe un editor en línea que permite a los usuarios crear y publicar sitios web en Flash de manera fácil. El editor tiene una interfaz gráfica atractiva que permite a los usuarios arrastrar y soltar funciones como feeds de Instagram, chats en vivo, formularios de contacto y widgets de calificación para crear un sitio web.
This season, on Virtual Design Master, we’ve been dealing with the aftermath of a second round of the zombie outbreak. We’ve designed the systems to build spaceships, which are evacuating what’s left of the human race from the earth. We’ve built the infrastructure to support our new civilization on the moon. We’ve also tried to prepare what’s left of the earth in case there is another round of the outbreak, by fortifying islands across the world by deploying infrastructure remotely.
Try to avoid dissembling of furniture and other items in haste. Ensure that moving company sends its working team a few days in advance and packs everything carefully with the special care delicate items need.
For more information visit now http://www.atlantahomes101.com
The document summarizes a conference attended by the author. Some key points:
- The conference was 1 day in Chicago with around 200-250 attendees from event companies and non-profits.
- Sessions focused on trends like integrating events into other systems through APIs and engaging audiences before and after events.
- The author learned their company's product focus on integration and engagement has been ahead of competitors.
- In conclusion, the conference validated their strategy but wasn't large enough to justify attending again unless speaking.
Este documento ofrece una reflexión sobre el Padre Nuestro, sugiriendo que no se debe orar esta plegaria si no se vive de acuerdo a sus enseñanzas. Señala que no se debe decir "Padre" si no se vive como hijo de Dios, "Nuestro" si se vive egoístamente, o "Amén" si no se entienden o toman en serio sus palabras. Finalmente, enfatiza que la elección de vivir de acuerdo a la voluntad de Dios es nuestra.
Ospreys are large birds of prey with a 23 inch height, 72 inch wingspan, and weight of 3.1 to 3.5 pounds. They mainly eat fish that they catch by diving into water. Ospreys mate for life but will find a new mate if their partner dies, and they lay 1-4 eggs per year that may or may not hatch. Their chicks fledge around 50-55 days, and ospreys reach maturity at 3-5 years old.
The document summarizes the results of a questionnaire given to 10 people to help determine the target audience for a film trailer. Most respondents were female aged 18-25 who watch movies weekly and enjoy horror films. Trailers and online/social media were cited as the most influential on viewers' decisions and how they find out about new movie releases. Magazines were not a widely used source.
Ltc pp mgt307_wk4 Copyright 2013 Edward F. T. Charfauros. Reference, www.Your...Edward F. T. Charfauros
Edward F. T. Charfauros, inspiring author, assists fellow students with their presentation for a successful grade. He also blogs upon his own inspiring blog, where you'll discover life changing stuff. Sign up for his blog by sending him an email~
Copyright 2013 Edward F. T. Charfauros. Reference, www.YourBlogorResume.net.
There are different types of vegetarians defined by what foods they do or do not eat. Lacto-ovo vegetarians eat eggs and dairy but not meat, while vegans eat no animal products. People become vegetarian for health reasons like lowering cholesterol, moral objections to animal agriculture, or religious beliefs. A 2012 UK study found over 3000 vegetarians, most of whom were female and chose vegetarianism for ethical reasons. Major vegetarian food companies like Quorn and Linda McCartney Foods produce meat alternatives and ready meals.
The author created a digipak and magazine advertisement to accompany their music video. They did extensive research on conventions for these materials in their genre. For the digipak, they chose contrasting green and red colors with black background to make the colors stand out, departing from conventions by not including an artist image. The advertisement was designed to match the digipak style. The author believes the elements complement each other well in style, though they could improve the digipak design.
Customer Success & The Value Stream Discovery LoopGuita Gopalan
This document discusses customer success and mapping the customer journey. It defines customer success as customers achieving their desired outcomes through interactions with a company. The customer journey is described as having 7 stages: aware, intrigued, hopeful, convinced, satisfied, trusting, and passionate. For each stage, the document prompts the reader to consider the customer behavior, triggers and conditions, and how to measure success. It emphasizes discovering value streams to understand what customers do at each stage and how businesses can move them to the next stage. The overall goal is to hypothesize the behaviors that indicate what state a customer is in and what a company must do to help them progress along their journey.
This document discusses the Lean Startup methodology. It explains that Lean Startup is about building a business model through experimentation before running out of resources. The Lean Startup process involves three phases - problem solution fit, product market fit, and business model building - with the goal of achieving validated learning at each phase through customer feedback. Key Lean Startup techniques include minimum viable products, customer interviews, and iterating based on results. The document promotes Lean Startup Philippines as a resource to guide startups through tools and challenges assumptions to help them apply the Lean Startup process.
Managing Your Personal Finances Before Investing In A Franchise/BusinessGuita Gopalan
This document discusses the importance of managing personal finances before investing in a franchise. It advises tracking expenses to assess needs versus wants, ensuring adequate emergency funds and insurance for unforeseen events, and keeping business and personal finances separate. Preparing personal finances properly reduces risks of failure, disappointment, or losing personal assets if the business faces difficulties.
TV stands for Testing & Validation so we definitely won't be couch potatoes on TV Nights.
Do you have an aspect of your startup or business project/idea you'd like to test?
We'll test anything together except product testing and/or user testing (you can do that on your own). So let's make experiments together and run with it.
Visit www.meetup.com/leanstartupph for details on the next TV Night
The document provides advice on starting a business by discussing common reasons why businesses fail such as ignorance, aimlessness, laziness, impatience, and greed. It emphasizes that building a business requires strategy, targeting opportunities, planning, and using the right tools. Some examples of business opportunities mentioned include taking advantage of demand for umbrellas, raincoats, and funeral services during typhoons. The entrepreneurial mindset involves seizing opportunities by assessing risks, rewards, workability, sustainability, and profitability. Turning an idea into a business requires understanding the problem solution, identifying the target market, and having a unique value proposition.
Try to avoid dissembling of furniture and other items in haste. Ensure that moving company sends its working team a few days in advance and packs everything carefully with the special care delicate items need.
For more information visit now http://www.atlantahomes101.com
The document summarizes a conference attended by the author. Some key points:
- The conference was 1 day in Chicago with around 200-250 attendees from event companies and non-profits.
- Sessions focused on trends like integrating events into other systems through APIs and engaging audiences before and after events.
- The author learned their company's product focus on integration and engagement has been ahead of competitors.
- In conclusion, the conference validated their strategy but wasn't large enough to justify attending again unless speaking.
Este documento ofrece una reflexión sobre el Padre Nuestro, sugiriendo que no se debe orar esta plegaria si no se vive de acuerdo a sus enseñanzas. Señala que no se debe decir "Padre" si no se vive como hijo de Dios, "Nuestro" si se vive egoístamente, o "Amén" si no se entienden o toman en serio sus palabras. Finalmente, enfatiza que la elección de vivir de acuerdo a la voluntad de Dios es nuestra.
Ospreys are large birds of prey with a 23 inch height, 72 inch wingspan, and weight of 3.1 to 3.5 pounds. They mainly eat fish that they catch by diving into water. Ospreys mate for life but will find a new mate if their partner dies, and they lay 1-4 eggs per year that may or may not hatch. Their chicks fledge around 50-55 days, and ospreys reach maturity at 3-5 years old.
The document summarizes the results of a questionnaire given to 10 people to help determine the target audience for a film trailer. Most respondents were female aged 18-25 who watch movies weekly and enjoy horror films. Trailers and online/social media were cited as the most influential on viewers' decisions and how they find out about new movie releases. Magazines were not a widely used source.
Ltc pp mgt307_wk4 Copyright 2013 Edward F. T. Charfauros. Reference, www.Your...Edward F. T. Charfauros
Edward F. T. Charfauros, inspiring author, assists fellow students with their presentation for a successful grade. He also blogs upon his own inspiring blog, where you'll discover life changing stuff. Sign up for his blog by sending him an email~
Copyright 2013 Edward F. T. Charfauros. Reference, www.YourBlogorResume.net.
There are different types of vegetarians defined by what foods they do or do not eat. Lacto-ovo vegetarians eat eggs and dairy but not meat, while vegans eat no animal products. People become vegetarian for health reasons like lowering cholesterol, moral objections to animal agriculture, or religious beliefs. A 2012 UK study found over 3000 vegetarians, most of whom were female and chose vegetarianism for ethical reasons. Major vegetarian food companies like Quorn and Linda McCartney Foods produce meat alternatives and ready meals.
The author created a digipak and magazine advertisement to accompany their music video. They did extensive research on conventions for these materials in their genre. For the digipak, they chose contrasting green and red colors with black background to make the colors stand out, departing from conventions by not including an artist image. The advertisement was designed to match the digipak style. The author believes the elements complement each other well in style, though they could improve the digipak design.
Customer Success & The Value Stream Discovery LoopGuita Gopalan
This document discusses customer success and mapping the customer journey. It defines customer success as customers achieving their desired outcomes through interactions with a company. The customer journey is described as having 7 stages: aware, intrigued, hopeful, convinced, satisfied, trusting, and passionate. For each stage, the document prompts the reader to consider the customer behavior, triggers and conditions, and how to measure success. It emphasizes discovering value streams to understand what customers do at each stage and how businesses can move them to the next stage. The overall goal is to hypothesize the behaviors that indicate what state a customer is in and what a company must do to help them progress along their journey.
This document discusses the Lean Startup methodology. It explains that Lean Startup is about building a business model through experimentation before running out of resources. The Lean Startup process involves three phases - problem solution fit, product market fit, and business model building - with the goal of achieving validated learning at each phase through customer feedback. Key Lean Startup techniques include minimum viable products, customer interviews, and iterating based on results. The document promotes Lean Startup Philippines as a resource to guide startups through tools and challenges assumptions to help them apply the Lean Startup process.
Managing Your Personal Finances Before Investing In A Franchise/BusinessGuita Gopalan
This document discusses the importance of managing personal finances before investing in a franchise. It advises tracking expenses to assess needs versus wants, ensuring adequate emergency funds and insurance for unforeseen events, and keeping business and personal finances separate. Preparing personal finances properly reduces risks of failure, disappointment, or losing personal assets if the business faces difficulties.
TV stands for Testing & Validation so we definitely won't be couch potatoes on TV Nights.
Do you have an aspect of your startup or business project/idea you'd like to test?
We'll test anything together except product testing and/or user testing (you can do that on your own). So let's make experiments together and run with it.
Visit www.meetup.com/leanstartupph for details on the next TV Night
The document provides advice on starting a business by discussing common reasons why businesses fail such as ignorance, aimlessness, laziness, impatience, and greed. It emphasizes that building a business requires strategy, targeting opportunities, planning, and using the right tools. Some examples of business opportunities mentioned include taking advantage of demand for umbrellas, raincoats, and funeral services during typhoons. The entrepreneurial mindset involves seizing opportunities by assessing risks, rewards, workability, sustainability, and profitability. Turning an idea into a business requires understanding the problem solution, identifying the target market, and having a unique value proposition.
The document provides an overview of Lean Startup principles and methods. It discusses core concepts like validated learning and building-measuring-learning. Entrepreneurs are encouraged to eliminate uncertainty by developing minimum viable products and experiments to fail faster and succeed faster. Various techniques are presented to learn faster like split testing, continuous integration/deployment, and usability testing in order to build and measure faster. Tools like the lean canvas and business model canvas are recommended to identify assumptions and prioritize validating hypotheses.
Before spending thousands on your next vacation...seriously ask yourself - can I afford it? Vacationing is a highly enjoyable luxury but often it can lead individuals and families into debt or make them vulnerable when emergencies strike. There are better ways to enjoy life - without worries and regrets.
The document discusses active and passive income, with active income being money earned from working and passive income being money earned through investments. It introduces the concept of "YOU Inc." which refers to managing yourself as your own wealth generating entity. The document provides resources and contact information for Guita Gopalan to learn more about passive income and managing "YOU Inc."
The document discusses the basics of growing your money and outlines key strategies for success. It notes that few people succeed due to ignorance, aimlessness, laziness, impatience, or greed. The key to success is having a strategy that includes setting targets, planning, and choosing the right financial instruments. It emphasizes the importance of defining goals in terms of purpose, target, and timeline. Successful strategies match risks with goals by considering the purpose, target, timeline, and ensuring sufficient knowledge, skills, and savings. Building wealth requires balancing concerns outside our control and factors we can control through planning and manipulation. Overall, growing money is a lifelong balancing act.
The document discusses sources of stress and tips for reducing stress through personal finance management. It identifies lack of control, fear, lack of self-confidence, and ignorance as common sources of stress. It recommends controlling what you can, mitigating what you can't, and outlines tips for growing out of debt which include stopping borrowing for depreciating purchases, reducing expenses, paying more than minimum payments, and creating a financial plan with budgeting and savings goals. The document provides strategies for savings, protection, and wealth building to achieve life goals like retirement through financial planning and adjusting to changes.
The document provides steps and guidance for starting one's journey to becoming wealthy. It recommends paying yourself first by saving money (Commandment #1). It advises setting goals that define how much wealth is needed and by what timeframe (I.Goal and I.Horizon). Various investment instruments are described for generating wealth over the long term, such as owning stocks, mutual funds, businesses, and lending investments like bonds. Regular planning, tracking assets and expenses, and overcoming obstacles like inflation and spending habits are also emphasized. The document stresses that learning about fundamentals of investing like risk, return, and liquidity is important. Overall, the key message is that taking proactive steps to save and plan one's investments is essential
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
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.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
2. The Golden Years
What kind of life style do you want?
Where do you want to live?
What will you enjoy doing?
Where will you spend your relaxation
time?
Who will surround you?
www.guitagopalan.com
Guita Gopalan
@guitagopalan
4. 9 Retirement Myths
1.
2.
3.
4.
5.
6.
7.
8.
9.
I probably won’t live until 100.
My kids will help me.
Freedom to relax.
Pension ≠ Current Income
Phpxxxxxxxxx is enough.
You can live on interest.
Biggest expense is health care.
May pera na akong pangnegosyo.
Nothing will change.
www.guitagopalan.com
Guita Gopalan
@guitagopalan
7. Inflation
Survival not Luxury.
Inflation is compounded.
You are losing money and you don’t
even know it.
Average inflation past 3 years is
3.7%%
www.guitagopalan.com
Guita Gopalan
@guitagopalan
8. How will you finance your
lifestyle?
Active Income (Full
Time)
Active Income (Part
Time)
Pension
www.guitagopalan.com
Guita Gopalan
@guitagopalan
9. To Do:
Identify your regular (needs)
expenses.
Identify your lifestyle (wants)
expenses.
Identify and establish at least three
independent income sources.
www.guitagopalan.com
Guita Gopalan
@guitagopalan
10. The Unexpected
Calamities & natural disasters
Getting sick, really sick.
Living till 100.
Children can’t take care of you
Relationships breaking down.
www.guitagopalan.com
Guita Gopalan
@guitagopalan
11. Protection Basket
Emergency Funds equal to 6
months of needs.
Medical Care and Hospital Plan
HMO Plans
Insurance
PhilHealth
www.guitagopalan.com
Guita Gopalan
@guitagopalan
12. Long Term Care
What if you do live to be 100?
Physical Assistance
Medical Assistance
www.guitagopalan.com
Guita Gopalan
@guitagopalan
13. The Final Bow Plans
Will & Testament
Medical History and Care
Advocate: Power of Attorney
Advocate: Medical Power of Attorney
Memorial Plans
www.guitagopalan.com
Guita Gopalan
@guitagopalan
14. “We can never control the
winds……
But we can certainly learn
to adjust our sails.”
www.guitagopalan.com
Guita Gopalan
@guitagopalan
15. THANK YOU
w w w. g u i t a g o p a l a n . c o m
GuitaTGopalan
@guitagopalan
Guita Gopalan
admin@guitagopalan.com