This document discusses short-term savings goals that can be achieved within a few months or years. It recommends setting a savings goal like a vacation or purchase, determining how much it costs and when you want it, then dividing the total cost by the number of weeks until then to calculate how much to save each week. It provides tips for reaching savings goals like using a change jar, skipping unnecessary purchases, and automatic transfers of spare change from purchases to savings accounts.
Establishing a savings account will help you achieve the goals of your future. Here Community First helps you understand the savings options available from your credit union. For more information or to start saving for tomorrow, contact Community First Credit Union of Florida today.
Do your employees understand how their everyday actions impact the bottom line of the company?
Improving Financial Literacy is a top priority in today's economy.
This is a game-based management development program that can assist with this critical need.
The document outlines 11 steps for financial discipline: 1) Spend less than you earn through small cuts, 2) Create and stick to a budget to track spending and savings goals, 3) Contribute to a retirement plan for a relaxed old age, 4) Save 5-10% of salary each month by eliminating discretionary spending, 5) Do not finance purchases for longer than the item's useful life, 6) Consider buying used items to save money, 7) Diversify investments across different areas, 8) Invest wisely and avoid schemes promising high returns with little risk, 9) Teach children the value and proper use of money, 10) Start saving now for children's education to prevent future stress, and 11
The document discusses financial literacy and personal finance concepts. It begins by explaining the importance of financial literacy in understanding how to build personal wealth. It then covers key topics like the cashflow quadrant, financial planning, savings, goals, obstacles to savings like poor spending habits, and the power of compound interest. The main message is on the importance of financial literacy and having a sound financial plan to achieve financial freedom and build wealth over time.
This document discusses short-term savings goals that can be achieved within a few months or years. It recommends setting a savings goal like a vacation or purchase, determining how much it costs and when you want it, then dividing the total cost by the number of weeks until then to calculate how much to save each week. It provides tips for reaching savings goals like using a change jar, skipping unnecessary purchases, and automatic transfers of spare change from purchases to savings accounts.
Establishing a savings account will help you achieve the goals of your future. Here Community First helps you understand the savings options available from your credit union. For more information or to start saving for tomorrow, contact Community First Credit Union of Florida today.
Do your employees understand how their everyday actions impact the bottom line of the company?
Improving Financial Literacy is a top priority in today's economy.
This is a game-based management development program that can assist with this critical need.
The document outlines 11 steps for financial discipline: 1) Spend less than you earn through small cuts, 2) Create and stick to a budget to track spending and savings goals, 3) Contribute to a retirement plan for a relaxed old age, 4) Save 5-10% of salary each month by eliminating discretionary spending, 5) Do not finance purchases for longer than the item's useful life, 6) Consider buying used items to save money, 7) Diversify investments across different areas, 8) Invest wisely and avoid schemes promising high returns with little risk, 9) Teach children the value and proper use of money, 10) Start saving now for children's education to prevent future stress, and 11
The document discusses financial literacy and personal finance concepts. It begins by explaining the importance of financial literacy in understanding how to build personal wealth. It then covers key topics like the cashflow quadrant, financial planning, savings, goals, obstacles to savings like poor spending habits, and the power of compound interest. The main message is on the importance of financial literacy and having a sound financial plan to achieve financial freedom and build wealth over time.
This document provides guidance on saving and investing money. It emphasizes the importance of prioritizing savings by tithing, paying minimal living expenses, building an emergency fund, and paying off debt before investing. It recommends having multiple sources of income from work, self-employment, or businesses, and advises that money makes more money through investment. Key rules of investing include not investing in things you don't understand, diversifying investments, avoiding get-rich-quick schemes, and letting investments grow over time through compound interest.
This document provides financial advice based on biblical principles. It discusses the importance of saving money according to the formula of income minus expenses equals savings. Some key points emphasized are prioritizing spending on necessities, paying off debts, building an emergency fund, and investing for the future. Specific biblical verses encourage working diligently, saving little by little, avoiding get-rich-quick schemes, diversifying investments, and being generous.
The document discusses principles for financial planning and saving money based on lessons from nature. It notes how ants work together toward common goals, save provisions for future needs, and operate in harmony. It encourages prioritizing spending, paying tithes, minimizing expenses, paying off debts, and investing in order to make money work for you through interest over time. The main ideas are that diligent work and steady, consistent saving and investing will lead to financial stability and wealth, while getting rich quickly often leads to harm.
The document discusses saving and investing money wisely. It encourages building an emergency fund, paying off debt, investing for the future, and making money through work or multiple streams of income. Some key rules of investing discussed are to diversify investments, avoid high-risk investments that are not understood, and invest consistently over time rather than trying to get rich quick. The story of Joseph from Genesis is referenced, showing how he stored grain during years of abundance to prepare for future years of famine.
Financial peace refers to three related concepts:
1) A condition where one does not have to worry about meeting financial obligations and is financially secure.
2) A position where one is financially stable and able to pursue goals regardless of income potential.
3) Achieving a tranquil state of mind by being assured of one's financial situation through Christ and being content regardless of circumstances.
Pera na hindi bitin 2 hrs seminar - ardy robertoArdy Roberto
The document outlines Ardy Roberto's seminar on experiencing breakthroughs in one's finances, beginning with changing one's attitude and mindset about money from viewing it as something that will solve problems to seeing it as a tool for stewardship to help others. The seminar then discusses strategies for managing money well through saving, giving generously, and applying a seven point plan for financial management in order to experience greater blessings and be entrusted with more resources.
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 provides biblical principles for managing money wisely. It encourages saving for emergencies, purchases, and the future like the ants. Some key points are to tithe 10% to God, pay minimal living expenses, pay off debts, build an emergency fund, and build wealth over time through consistent saving and investing rather than trying to get rich quick. The Bible also teaches working to earn money and letting money work for you through investments over time. Overall, the conclusion encourages generously investing in eternal things that will continue providing benefits in heaven rather than just temporal possessions left behind.
Ss 2012.05.20 the lisbon resolution how can i create a strong financial fou...Matthew Huish
The document discusses how to build a strong financial foundation through being frugal and saving money. It provides biblical quotes emphasizing the importance of being rich toward God rather than material wealth. It outlines Father Moon's teachings on establishing an economic foundation through frugality in what you wear, eat, and how you live. He advises saving the maximum possible and finding satisfaction in eating only three-fifths of your food, in order to budget for the sake of others rather than personal wealth or riches.
Work economy goverment our biblical worldview part 8 seth g october 25 2020Pacific Church
The document discusses themes around work, economics, and government based on passages from Genesis and other biblical texts. It describes how God gave humans dominion over the earth and commanded them to work, highlighting how work is sacred. It then lists qualities that lead to prosperity like diligence, handling responsibilities, honesty, and planning. The document warns of dangers when government overreaches and takes from the people. It concludes calling for wisdom in governing people.
The document discusses different sources and levels of stress, providing examples of diagnostic tests that measure stress tolerance as well as stories of people whose lives were negatively impacted by stress over money issues like lottery winners or the wealthy who committed suicide due to financial losses. It also offers biblical perspectives on proper money management and contentment to find peace despite life's challenges.
The document discusses the concept of "affluenza", which refers to a dysfunctional relationship with money and material goods that manifests as an addiction to economic growth and consumerism. It lists common symptoms like a preoccupation with shopping, debt, and comparing oneself to others. While affluenza affects many in society, the document provides biblical verses and principles for finding fulfillment through non-material means and setting one's heart on spiritual rather than worldly treasures.
The purpose of my financial coaching is to help you get control of your money so you can prosper and build wealth.
However, I don’t want you to lose sight of the fact that the pursuit of wealth is not just a purpose unto itself. So let’s talk about 7 Certainties About Wealth. (based on I Timothy 6:17-19)
This document provides counsel on Christian finance from an Adventist perspective. It discusses that while money can provide power in the world, love and spiritual strength are most important. True happiness comes from goodness, not wealth. It warns against the love of money and falling into debt. It encourages balancing budgets, showing mercy to others in debt, and lending without interest. Financial independence through industry and saving is praised. Ultimately, God provides wealth and will supply all our needs through Christ.
Peranghindibitin pdf 2011ver3fordistrib-ardy robertoArdy Roberto
This document discusses various strategies for managing money based on biblical principles. It encourages saving money through regular contributions to a savings account to gain compound interest over time. It also emphasizes the importance of giving generously as God commands, noting that true wealth comes through giving. Various Bible verses are cited that teach contentment with enough, being faithful stewards, and prioritizing God above money. Real-life examples are shared of people who practiced good stewardship.
Kingdom Keys: Seven Multiple Streams to Finance Your Vision is will help any Christian to define seven multiple streams to finance their vision from a Biblical perspective.
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.
The document discusses how God created humans to be givers rather than solely focused on worldly pursuits. It cites several Bible verses explaining that God blesses those who give to others in need and calls believers to steward their resources wisely by being generous. The overall message is that Christians should follow God's example of providing for others rather than accumulating possessions for themselves.
This document discusses two major reasons that men fail financially - laziness and wasteful spending. It argues that the lazy man who does not work hard and the hardworking man who wastes his money through foolish spending are "brothers" and both will lead to financial ruin. It encourages the reader to consider which temptation, laziness or overspending, they struggle with more and to make changes to work harder and waste less in order to achieve financial success.
The document outlines 7 teams and their tasks for an upcoming event:
1. Hospitality, Games & Souvenir, Music & Sound, Food & Beverage, Maintenance, Security/Medical, and Photography & Video teams are formed to divide responsibilities.
2. Each team is assigned in-charge members and given specific tasks like organizing seating, food service, sound equipment, games and prizes, documentation, and first aid support.
3. The teams will work together to ensure the event runs smoothly and is enjoyable for all attendees.
This document provides guidance on saving and investing money. It emphasizes the importance of prioritizing savings by tithing, paying minimal living expenses, building an emergency fund, and paying off debt before investing. It recommends having multiple sources of income from work, self-employment, or businesses, and advises that money makes more money through investment. Key rules of investing include not investing in things you don't understand, diversifying investments, avoiding get-rich-quick schemes, and letting investments grow over time through compound interest.
This document provides financial advice based on biblical principles. It discusses the importance of saving money according to the formula of income minus expenses equals savings. Some key points emphasized are prioritizing spending on necessities, paying off debts, building an emergency fund, and investing for the future. Specific biblical verses encourage working diligently, saving little by little, avoiding get-rich-quick schemes, diversifying investments, and being generous.
The document discusses principles for financial planning and saving money based on lessons from nature. It notes how ants work together toward common goals, save provisions for future needs, and operate in harmony. It encourages prioritizing spending, paying tithes, minimizing expenses, paying off debts, and investing in order to make money work for you through interest over time. The main ideas are that diligent work and steady, consistent saving and investing will lead to financial stability and wealth, while getting rich quickly often leads to harm.
The document discusses saving and investing money wisely. It encourages building an emergency fund, paying off debt, investing for the future, and making money through work or multiple streams of income. Some key rules of investing discussed are to diversify investments, avoid high-risk investments that are not understood, and invest consistently over time rather than trying to get rich quick. The story of Joseph from Genesis is referenced, showing how he stored grain during years of abundance to prepare for future years of famine.
Financial peace refers to three related concepts:
1) A condition where one does not have to worry about meeting financial obligations and is financially secure.
2) A position where one is financially stable and able to pursue goals regardless of income potential.
3) Achieving a tranquil state of mind by being assured of one's financial situation through Christ and being content regardless of circumstances.
Pera na hindi bitin 2 hrs seminar - ardy robertoArdy Roberto
The document outlines Ardy Roberto's seminar on experiencing breakthroughs in one's finances, beginning with changing one's attitude and mindset about money from viewing it as something that will solve problems to seeing it as a tool for stewardship to help others. The seminar then discusses strategies for managing money well through saving, giving generously, and applying a seven point plan for financial management in order to experience greater blessings and be entrusted with more resources.
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 provides biblical principles for managing money wisely. It encourages saving for emergencies, purchases, and the future like the ants. Some key points are to tithe 10% to God, pay minimal living expenses, pay off debts, build an emergency fund, and build wealth over time through consistent saving and investing rather than trying to get rich quick. The Bible also teaches working to earn money and letting money work for you through investments over time. Overall, the conclusion encourages generously investing in eternal things that will continue providing benefits in heaven rather than just temporal possessions left behind.
Ss 2012.05.20 the lisbon resolution how can i create a strong financial fou...Matthew Huish
The document discusses how to build a strong financial foundation through being frugal and saving money. It provides biblical quotes emphasizing the importance of being rich toward God rather than material wealth. It outlines Father Moon's teachings on establishing an economic foundation through frugality in what you wear, eat, and how you live. He advises saving the maximum possible and finding satisfaction in eating only three-fifths of your food, in order to budget for the sake of others rather than personal wealth or riches.
Work economy goverment our biblical worldview part 8 seth g october 25 2020Pacific Church
The document discusses themes around work, economics, and government based on passages from Genesis and other biblical texts. It describes how God gave humans dominion over the earth and commanded them to work, highlighting how work is sacred. It then lists qualities that lead to prosperity like diligence, handling responsibilities, honesty, and planning. The document warns of dangers when government overreaches and takes from the people. It concludes calling for wisdom in governing people.
The document discusses different sources and levels of stress, providing examples of diagnostic tests that measure stress tolerance as well as stories of people whose lives were negatively impacted by stress over money issues like lottery winners or the wealthy who committed suicide due to financial losses. It also offers biblical perspectives on proper money management and contentment to find peace despite life's challenges.
The document discusses the concept of "affluenza", which refers to a dysfunctional relationship with money and material goods that manifests as an addiction to economic growth and consumerism. It lists common symptoms like a preoccupation with shopping, debt, and comparing oneself to others. While affluenza affects many in society, the document provides biblical verses and principles for finding fulfillment through non-material means and setting one's heart on spiritual rather than worldly treasures.
The purpose of my financial coaching is to help you get control of your money so you can prosper and build wealth.
However, I don’t want you to lose sight of the fact that the pursuit of wealth is not just a purpose unto itself. So let’s talk about 7 Certainties About Wealth. (based on I Timothy 6:17-19)
This document provides counsel on Christian finance from an Adventist perspective. It discusses that while money can provide power in the world, love and spiritual strength are most important. True happiness comes from goodness, not wealth. It warns against the love of money and falling into debt. It encourages balancing budgets, showing mercy to others in debt, and lending without interest. Financial independence through industry and saving is praised. Ultimately, God provides wealth and will supply all our needs through Christ.
Peranghindibitin pdf 2011ver3fordistrib-ardy robertoArdy Roberto
This document discusses various strategies for managing money based on biblical principles. It encourages saving money through regular contributions to a savings account to gain compound interest over time. It also emphasizes the importance of giving generously as God commands, noting that true wealth comes through giving. Various Bible verses are cited that teach contentment with enough, being faithful stewards, and prioritizing God above money. Real-life examples are shared of people who practiced good stewardship.
Kingdom Keys: Seven Multiple Streams to Finance Your Vision is will help any Christian to define seven multiple streams to finance their vision from a Biblical perspective.
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.
The document discusses how God created humans to be givers rather than solely focused on worldly pursuits. It cites several Bible verses explaining that God blesses those who give to others in need and calls believers to steward their resources wisely by being generous. The overall message is that Christians should follow God's example of providing for others rather than accumulating possessions for themselves.
This document discusses two major reasons that men fail financially - laziness and wasteful spending. It argues that the lazy man who does not work hard and the hardworking man who wastes his money through foolish spending are "brothers" and both will lead to financial ruin. It encourages the reader to consider which temptation, laziness or overspending, they struggle with more and to make changes to work harder and waste less in order to achieve financial success.
The document outlines 7 teams and their tasks for an upcoming event:
1. Hospitality, Games & Souvenir, Music & Sound, Food & Beverage, Maintenance, Security/Medical, and Photography & Video teams are formed to divide responsibilities.
2. Each team is assigned in-charge members and given specific tasks like organizing seating, food service, sound equipment, games and prizes, documentation, and first aid support.
3. The teams will work together to ensure the event runs smoothly and is enjoyable for all attendees.
1) The document discusses finding success through diligent service to one's master as discussed in Proverbs 27:18.
2) It encourages the reader to faithfully serve their employer as if serving God, in order to gain rewards and promotions.
3) The main idea is to find a "fig tree", which is a metaphor for dedicating oneself to faithful service under one's supervisor or boss, in order to find success and honor in one's work.
The document discusses fearing man versus fearing God. It states that fearing man can lead one into sinful compromises, but trusting in God and His word will keep one safe. It provides examples from the Bible of people who compromised or stood firm in their faith due to their level of fear of man versus God. It encourages the reader to search their heart to ensure they are not ashamed of their faith in God and unafraid to openly demonstrate it.
Wisdom involves listening carefully and answering slowly. It is foolish and shameful to respond hastily without fully understanding a situation. One should listen to gather accurate facts before making judgments or responding. Fools speak quickly without thinking, while the wise consider all angles before speaking in order to give prudent counsel. Right judgment comes from considering the substance of a matter rather than outward appearances, and from allowing an accused person to speak in their defense.
1) The document discusses reasons for anger such as unmet desires, failures, rejection, and abandonment. It suggests asking yourself questions like whether something is important, appropriate, or worth getting angry over before getting angry.
2) The document outlines biblical steps to overcoming anger, including facing issues rather than storing anger inside, managing emotions, relying on Christ rather than oneself, breaking strongholds of anger, replacing anger with kindness, and fully dealing with each day's anger.
3) It encourages reading, listening, repenting, confessing sins, and being baptized to become more like Christ in overcoming anger.
The document discusses the meaning behind family and marriage. It defines family as Father, And, Mother, I, Love, You to emphasize the importance of parents and love within a family. It also lists reasons why a man wants a wife, such as for washing, ironing, food, and entertainment, and why a woman wants a husband for housing, understanding, sharing, buying, and never demanding. Finally, it suggests sending a personalized "hello" message to loved ones to check in on their well-being and express that they are missed.
1) The most important things in life are putting God first and seeking His kingdom and righteousness above all else.
2) Do not worry about the future or material possessions. Focus on each day and having faith.
3) What profits a person if they gain the world but lose their soul? Prioritize spiritual well-being over worldly gains.
1) The document discusses reasons for anger such as unmet expectations, failures, rejection, and feelings of abandonment.
2) It provides biblical advice for controlling anger, such as facing issues rather than storing emotions inside, managing anger through Scripture, and replacing anger with kindness.
3) The document offers steps for overcoming anger including facing real issues, dealing with emotions, relying on Christ rather than self, breaking strongholds of anger, and fully resolving anger each day.
The document discusses why few find the narrow way to eternal life that Jesus described. It gives several reasons: 1) The narrow way is strict, rigorous and difficult, requiring total commitment and self-denial. 2) Many people are prejudiced and refuse to see the truth. 3) People have been deceived by false teachers. 4) They succumb to peer pressure instead of seeking God's approval. 5) Few teach others about the narrow way due to a lack of desire to preach God's word.
Paul preached in Thessalonica and some were persuaded but jealous Jews caused trouble. In Berea, Paul and Silas found more receptive listeners who studied the scriptures daily, but outsiders still caused issues. Paul then went to Athens and reasoned in the synagogue, with Gentiles, and philosophers. He was invited to speak at the Areopagus and proclaimed the unknown God they worshipped as the Creator who commands repentance and will judge through Jesus Christ, who was resurrected.
God created the Tree of Knowledge of Good and Evil to give humanity free will and the ability to choose obedience. He warned Adam and Eve not to eat from the tree and explained the consequences. However, Adam and Eve disobeyed and ate the fruit. When confronted by God, they blamed each other and the serpent instead of taking responsibility for their choice. Some modern critics argue that God tempted humanity by including the tree, or that He created evil, but the document asserts that God gave humanity free will and the choice to obey or disobey was theirs alone.
The KBA and Colorliner presses experienced increased downtime in April compared to March. The K40 press had the worst performance with 165 minutes of downtime, while the K20 and K30 presses performed best. For the Colorliner, downtime decreased for C1-C3 but increased significantly for C4 due to issues with the U44 brake and jaw folder belt guide. Planned maintenance for May includes continued servicing of high lockup bars and replacement of ink film bearings.
The document discusses ancestor worship and how Christians can show filial piety according to biblical principles. It provides an overview of ancestor worship practices and beliefs. It then outlines how the Bible teaches filial piety through honoring one's parents while they are alive by caring for them, consulting them, and not disrespecting or abusing them. Christians can show filial piety after death through respectful funerals but should avoid any practices that involve idolatry.
1. This country tiny country consist of 63 island and some mainland with a total area of only 270 square miles (704 sq km). With Hong Kong, South Korea and Taiwan it is considered one of the Four Asian Tigers. Singapore has the busiest port in the world and is the 4th largest foreign exchange trading center in the world. Singapore is widely believed to be the most business-friendly economy in the world. 6. Singapore – $48,900