This document provides information from a seminar on eliminating debt, noting that the seminar discusses developing a financial plan through evaluating current spending, identifying wants and needs, creating a budget, setting financial goals, building an emergency fund, using debt management programs, and getting out of debt through various methods like debt snowball. It also encourages attendees to speak to certified credit counselors and financial advisors to develop an initial plan to improve their financial situation.
Overnight Millionaire - OVERNIGHT MIND-HACKS SECRETLY USED BY THE RICH & FAMOUS
Is it Possible To Manifest Health and Wealth When The World Feels Like It's falling apart ?
Sabah Mikha - Improve Your Habits to Improve Your FinancesSabah Mikha
Some habits are easier to pick up than others - mostly bad habits. But for long-term stability, developing healthy financial habits is essential. According to a recent article in DailyFinance, studies have shown that it can take 66 days or more for a person’s behavior to become a habit. If you have poor financial habits, they have probably developed over time and will take time and effort to reverse.
Adam Tau, along with help from wife Rebecca Miller, both of MillerTau Financial Group in NYC, discusses the necessary financial advising that occurs while planning a wedding.
Adam Tau, along with help from wife Rebecca Miller, both of MillerTau Financial Group in NYC, discusses the necessary financial advising that occurs while planning a wedding.
Overnight Millionaire - OVERNIGHT MIND-HACKS SECRETLY USED BY THE RICH & FAMOUS
Is it Possible To Manifest Health and Wealth When The World Feels Like It's falling apart ?
Sabah Mikha - Improve Your Habits to Improve Your FinancesSabah Mikha
Some habits are easier to pick up than others - mostly bad habits. But for long-term stability, developing healthy financial habits is essential. According to a recent article in DailyFinance, studies have shown that it can take 66 days or more for a person’s behavior to become a habit. If you have poor financial habits, they have probably developed over time and will take time and effort to reverse.
Adam Tau, along with help from wife Rebecca Miller, both of MillerTau Financial Group in NYC, discusses the necessary financial advising that occurs while planning a wedding.
Adam Tau, along with help from wife Rebecca Miller, both of MillerTau Financial Group in NYC, discusses the necessary financial advising that occurs while planning a wedding.
Global Client Solutions, an Oklahoma-based third-party payment processor, was established in 2003 with the goal of helping consumers settle debts. Global Client Solutions specializes in providing consumers disbursement accounts through which clients can deposit and withdraw funds that go toward paying off personal debt.
Build a Successful Financial Plan
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Financial planning is defining your goals in life and realizing that the only way to provide for them is through disciplined spending, regular saving, and wise investing. It isn’t a blueprint for life that once drawn never changes. It is flexible and adaptable to your changing needs. Moreover, best of all, you can accomplish it at any income level.
A sound financial plan includes both short- and long-term goals. It starts with the realization that, in the early and even middle years of life, you must develop the habit of saving. Only by living below your means can you build a fortress of savings to pay for the important things that lie ahead.
5 Money-Saving Tips to Survive A RecessionPropel Guru
In this presentation, we will discuss 5 money-saving tips to survive a recession.
Here are the five money-saving tips to survive a recession like the current one:
1. Have a Clear View of the Budget
2. Have an Emergency Fund
3. Pay Attention to Interest Rates
4. Live Within Your Limits
5. Invest In Yourself
This seminar helps couples communicate about money matters, offers money and budget saving tips, and helps couples develop a spending plan for their future goals.
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.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
"If you are also one of these people who do not know why finance knowledge is important. So let's talk about why finance knowledge is important and how to become financially literate.
Global Client Solutions, an Oklahoma-based third-party payment processor, was established in 2003 with the goal of helping consumers settle debts. Global Client Solutions specializes in providing consumers disbursement accounts through which clients can deposit and withdraw funds that go toward paying off personal debt.
Build a Successful Financial Plan
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Financial planning is defining your goals in life and realizing that the only way to provide for them is through disciplined spending, regular saving, and wise investing. It isn’t a blueprint for life that once drawn never changes. It is flexible and adaptable to your changing needs. Moreover, best of all, you can accomplish it at any income level.
A sound financial plan includes both short- and long-term goals. It starts with the realization that, in the early and even middle years of life, you must develop the habit of saving. Only by living below your means can you build a fortress of savings to pay for the important things that lie ahead.
5 Money-Saving Tips to Survive A RecessionPropel Guru
In this presentation, we will discuss 5 money-saving tips to survive a recession.
Here are the five money-saving tips to survive a recession like the current one:
1. Have a Clear View of the Budget
2. Have an Emergency Fund
3. Pay Attention to Interest Rates
4. Live Within Your Limits
5. Invest In Yourself
This seminar helps couples communicate about money matters, offers money and budget saving tips, and helps couples develop a spending plan for their future goals.
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.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
"If you are also one of these people who do not know why finance knowledge is important. So let's talk about why finance knowledge is important and how to become financially literate.
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This is a short e-book I wrote to help dispel some of the myths about financial planning and educate the public on what financial planning really is and what it can do and provide.
Goal setting for a better financial future.Conrad Francis
Goal setting is an important principle when it comes to financial matters - but how do you know what goals to set, let alone where to start...so here's a few tips!
Edit, Record and Create Beautiful Videos Instantly + Host, Play & Market Your Own or CLIENT Videos For Evergreen Income WITHOUT Any Special Skills, Experience, Or Learning Curve
Citi's Linda Descano and consumer advocate Elisabeth Leamy share advice for getting your personal finances in order.
Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
NEFE Money Management for Military Personnel Preparing for DeploymentForrest Baumhover
If you are a servicemember or military family preparing for a first deployment, this presentation can help walk you through the steps you need to take.
The beginner's guide to investing intelligently from the start! From the stock market to real estate! Tips, suggestions, strategies, discussions, things to beware of and more!
Never make a bad investment or lose your money again!
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
We all have good and bad thoughts from time to time and situation to situation. We are bombarded daily with spiraling thoughts(both negative and positive) creating all-consuming feel , making us difficult to manage with associated suffering. Good thoughts are like our Mob Signal (Positive thought) amidst noise(negative thought) in the atmosphere. Negative thoughts like noise outweigh positive thoughts. These thoughts often create unwanted confusion, trouble, stress and frustration in our mind as well as chaos in our physical world. Negative thoughts are also known as “distorted thinking”.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
2. This seminar and any accompanying material are based on available sources of public
information and is assumed to be correct as per the indicate sources. Any discussion of
Eliminating Debt is for informational purposes only. Please consult with your financial
planning consultant for your particular situation. The information presented is general in
nature and not intended to be a complete explanation of the subject matter nor a
substitute for careful personal financial plan that addresses an individuals specific
situation.
Millennium Financial Group does not engaged in rendering legal, tax or accounting
advice. Legal, tax and accounting advice applicable to your own situation should be
obtained from a qualified professional.
Securities and Advisory Services offered through Cetera Advisors LLC,
member FINRA/SIPC. Millennium Financial Group is not affiliated with Cetera Advisors
LLC.
IMPORTANT INFORMATION
3. Happiness Is… Making
Informed Financial Decisions
Although money may
not be able to buy
happiness, it is an
important part of life.
3
Society for Financial Awareness
5. We Buy Because of Emotion, Not Logic!
From a psychological standpoint:
We purchase an item we mistakenly believe will make us
happy.
The item loses its value to us over time.
We look for the next item to make us happy, and then another,
and so on.
5
Society for Financial Awareness
6. ChangingYour Perspective
Your self-worth has
nothing to do with
your net-worth.
Money does not
make the person - it
is who they are on
the inside that
defines their lives.
6
Society for Financial Awareness
7. You Shouldn’t Live in Fear of Your Finances
Your financial dealings are serious; however, you are in control, even if it
doesn’t always feel like it.
You can control your savings, expenses, and even your earnings; however, you
have to adopt the mindset to do so.
As you begin to build up your feelings of self-worth and develop a positive
attitude about yourself and about money, you'll be able to function positively
and effectively.
There is no point in waiting for your situation to improve before you tackle
your money issues.
7
Society for Financial Awareness
8. What Makes You Happy?
It’s often been said that
the best things in life are
free, and it’s true.
Unfortunately, some
people convince
themselves that they
don’t deserve happiness
and accept their
circumstances far too
easily.
8
Society for Financial Awareness
9. You Have to be Willing to
Sacrifice to Achieve Goals
There are no secrets
to success. It is the
result of preparation,
hard work, and
learning from failure.
Colin Powell
9
Society for Financial Awareness
10. Take Control of your Circumstances
Before setting out to achieve a goal, look how others have achieved
something similar and find out how they did it.
Find someone who's on the path you want to pursue and have a
conversation with them.
Following a well-defined path often makes it easier to bring about change.
In doing so, you create accountability.
You need to be able to walk before you can run, and taking small steps if
you’re contemplating significant changes can dramatically improve your
chances for success.
10
Society for Financial Awareness
11. Developing Your Plan
Evaluating the current situation: “Initial Spending Assessment”
Identifying “wants” and “needs”
Discussing options and adjusting spending accordingly
Tracking spending - Creating a Comprehensive Budget
Establishing and implementing short- and long-term goals
Reviewing and modifying your plan when necessary
11
Society for Financial Awareness
12. Building an Emergency Fund
Plan for life’s unexpected
emergencies by setting up
an Emergency Savings
fund.
Set aside at least 3-6
months worth of expenses
to help cope with life's
emergencies.
Emergencies can happen
to anyone, anytime!
Seek conservative savings
vehicles that keep pace
with inflation.
Society for Financial Awareness
12
13. Become a “Financial Guru”
There are thousands of
not-for-profit agencies
that offer the public free
financial analysis.
Speaking with a certified
credit counselor will help
you establish an initial
game plan, as well as
identify the information
you need to know for
your financial situation.
13
Society for Financial Awareness
14. Credit Card Debt
One of the biggest
problems credit
counselors see regularly
is uncomfortably high
credit card debt, which
can really devastate a
family’s budget.
$24,000
$34,000
18% Interest 29.99% Interest
14
$14,000 Credit Card Balance
Society for Financial Awareness
15. Getting Out of Debt
Debt Snowball Method
Modified Snowball Method
Credit Counseling
Society for Financial Awareness
15
16. Life on a Debt Management Program
Bills which can be included in a Debt Management Program include Credit Cards,
Personal Loans (unsecured), Personal loans secured by household items, Past-due
balances on telephone bills, cellular phone bills, electric bills, etc., Collection Accounts,
Lines of Credit, Disconnected Utilities, Medical Bills, and Repossessions (unpaid
remaining balances).
Debt Management Program participants typically enjoy:
One Convenient Monthly Payment
Lower Monthly Payments
Reduced Interest Rates
Elimination of Late and/or Over Limit Fees
Ongoing Education
Access to Nationally Certified Credit Counselors
Full Support of Our Customer Care Associates
16
Society for Financial Awareness
17. Thank you for your time!
Please complete your program
evaluation.
We are happy to answer any questions you
may have now or in the future!