Your Personal Financial Plan
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How do your spending and saving habits compare to the suggested ratios? Use this article to benchmark your personal financial plan.
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The document discusses various financial services offered by UFirst Alliance to help clients achieve financial freedom through debt cancellation, increased cash flow, emergency savings, insurance, long-term savings, and estate planning. It provides examples of how small regular investments over long periods of time can significantly grow retirement savings compared to starting later. Clients work with UFirst agents to identify specific needs and strategies.
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2) It highlights growth opportunities for the company based on trends in health, nutrition, and the aging population.
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To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
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This document analyzes pensions in Canada and worldwide. It discusses several options for retirement savings such as company pension plans, RRSPs, TFSA, CPP contributions. It notes issues with both defined benefit and defined contribution plans. It also summarizes that Canada's public sector pension plans are structurally unbalanced with an estimated $300 billion unfunded liability. Private pensions in Canada are also discussed as well as proposed expansions to the Canada Pension Plan.
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This document discusses building a comprehensive long-term financial plan through a three-step process of design, build, and protect. It focuses on the build step, explaining how to build an investment portfolio using academic research and financial science to maximize the probability of achieving goals with minimal risk. It recommends finding the right stock-bond allocation based on risk tolerance, diversifying internationally and among different types of stocks like small and value companies, which research shows can increase expected returns despite higher risk. The goal is to help the reader invest for the long term using strategies that academic research demonstrates can be successful.
The ultimate rrsp program (7)
1. The document discusses using an RRSP to take out a $100,000 loan to fund investments, with the interest on the loan being tax deductible.
2. Each month $300 is withdrawn from the RRSP to pay the interest on the loan. While the RRSP withdrawal is taxable, the interest amount is deductible, so there is no tax owed.
3. The profits from the investments can be used to purchase additional RRSP funds, allowing the RRSP to grow faster than it would otherwise.
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The document discusses the threat of volatility to retirement investments and portfolios. It provides an example where two investments earn the same average return of 7.5% over 30 years but one (Investment A) has higher volatility with returns fluctuating more. Though both average 7.5%, Investment A's portfolio runs out of money in year 19 due to the volatility, while Investment B's portfolio not only lasts 30 years but has money remaining. The key point is that volatility, even with the same average return, can deplete retirement savings through its effects of increased fluctuations and withdrawals compounding during down periods.
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2) It highlights growth opportunities for the company based on trends in health, nutrition, and the aging population.
3) The compensation plan offers opportunities to earn income from retail profits, bonuses for product purchases, team commissions, and matching bonuses for building a team.
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To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
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The document provides guidance on managing personal finances through setting financial goals, creating a budget, saving for different goals, borrowing money smartly, investing, and planning for retirement. It recommends allocating 50% of income to needs, 30% to wants, and 20% to savings. It also discusses using automation to make savings easier and factoring taxes into savings timelines. Key tips include being honest about expenses, saving more than needed, understanding stock compensation, and prioritizing student loan payments.
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The document discusses strategies for planning a successful retirement. It identifies four key factors that can erode retirement savings: debt, inflation, taxes, and health issues. It emphasizes taking control of retirement planning early on through contributing to pre-tax and after-tax retirement accounts, maintaining a diversified portfolio, and constantly monitoring progress to adjust plans as needed. Individuals are ultimately responsible for their own retirement security, not employers or the government. Planning over a long time horizon is essential to maximizing net spendable income during retirement.
Team Debt Free
The document discusses Primerica, a financial services company, and how it offers consumers various financial products and services. It notes that Primerica has over 100,000 representatives and markets products to middle-income consumers. The document also discusses the importance of debt elimination and having adequate life insurance and retirement savings.
The Psychology of Money and Unlimited Wealth A Quick Guide to the Journey to ...
Unlock the Secrets of Abundance with "The Psychology of Money and Unlimited Wealth: A Quick Guide to Financial Freedom, Wealth, and Happiness"!
Imagine this:
Waking up without a financial worry in the world, knowing you have everything you need and more. ♀️
Pursuing your passions with complete freedom, unshackled from the limitations of a paycheck.
Building a life of abundance and joy, where money works for you, not the other way around. ✨
"The Psychology of Money and Unlimited Wealth" is your roadmap to this reality. It's more than just a financial guide; it's a deep dive into the mindset and habits that lead to true financial freedom and lasting happiness.
With this book, you'll:
Uncover the hidden beliefs and behaviors that sabotage your financial success. ❌
Develop a healthy relationship with money, based on gratitude, generosity, and conscious spending.
Master the art of wealth creation, using proven strategies for saving, investing, and building multiple income streams.
Learn to prioritize experiences over possessions, and cultivate true contentment with what you have.
Align your finances with your values and life goals, for a life that feels truly fulfilling.
This quick guide is packed with actionable insights and practical exercises to help you:
Shift your money mindset from scarcity to abundance.
Create a budget that works for you, not against you. ️
Invest with confidence, even if you're a beginner.
Build passive income streams for a future of financial security.
Live a life of generosity and make a positive impact on the world.
No matter your current financial situation, "The Psychology of Money and Unlimited Wealth" has the power to transform your relationship with money and propel you towards a life of freedom, abundance, and true happiness.
So, are you ready to unlock your financial potential and create the life you truly desire?
Grab your copy of "The Psychology of Money and Unlimited Wealth" today and start your journey to financial freedom!
P.S. Don't forget to check out the bonus resources:
Interactive worksheets and exercises to put your learnings into action.
Inspiring stories of people who have achieved financial freedom.
A curated list of additional resources to deepen your understanding.
HBW Presentation 2010
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
Personal Finance Mexico
This document provides an overview of a personal finance course. The course aims to help students gain skills to responsibly manage their money and gain perspective on how finances should affect their lives. The course will cover topics like setting financial goals, maximizing income and assets while minimizing expenses and liabilities, financial planning at different life stages, and determining net worth. The overall goal is to help students attain both financial and non-financial life goals in a sustainable way.
Budgeting & Saving PowerPoint
The document discusses budgeting and saving for teenagers. It provides statistics that on average teenagers earn $80 per week from a job paying $5.70 per hour working 15 hours. Teenagers spend over $155 billion annually, with girls spending $91 per week and boys $87. Having a budget helps manage income and expenses to avoid debt and save for goals. The document recommends estimating income and expenses, planning for savings and emergencies, and using the envelope system to manage spending categories.
Debt Eliminator
How to eliminate debt. We also show how you can use a Personal Franchise from the home to accelerate your debt reduction.
Financial Strategies for Families
Officially titled, "Financial Planning Strategies for Women & Families" - Barry Mendelson gave this presentation to the East Bay chapter of American Society of Women Accountants in February.
Money Talk Book- Chapter 3
This document provides an overview of Session III of the book "Money Talk: A Financial Guide for Women". It covers the following key points:
1. Setting financial goals is important for measuring investment success. Goals should be specific, measurable, attainable, realistic and have a time period.
2. All investments involve some risk. The major risks include market risk, business risk, interest rate risk, inflation risk and reinvestment risk. More stock exposure means higher long-term returns on average but also higher short-term risk.
3. When investing, one can either loan money through debt investments like bonds or own investments through equity like stocks. Equity investments fluctuate more but can provide higher
It’s Your Money
Personal Financial Money Management in a Nutshell. Condensed from the book: "MONEY: Make, Manage, & Multiply It!" available at http://www.bizcenter.com . If you like the slides, you will love the book! Priced very affordably, it gives you a terrific return on your investment.
Key Principles
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the 3-legged stool model of pensions, Social Security, and personal savings. It also explains concepts like the Rule of 72 for calculating investment growth and outlines options for working with the company, including becoming a client or pursuing a part-time or full-time career.
Key Principles Infographic
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the traditional three-legged stool model of pensions, Social Security, and personal savings being replaced by personal responsibility. Examples show how investment returns and starting early can significantly impact savings outcomes over time. The importance of protecting against losses through diversification is also covered. The document is produced by World Financial Group to help clients, potential clients, and associates understand fundamental financial principles.
NDK_Revised-10-13
This document provides information about NDK Insurance Agents, including what they do, their mission, vision, and the companies they represent. They specialize in various types of retirement planning, insurance, and asset protection for individuals, families, and businesses. Their goal is to actualize clients' dreams through cutting-edge financial solutions and become the premier financial solutions provider across the nation. The document also discusses various financial planning strategies and concepts around investing, taxes, and building wealth over time through compound interest.
Sofa Getting Fiscally Fit
The document is a presentation from The Society for Financial Awareness (SOFA) providing an overview of getting financially fit. It discusses challenges like longer lifespans and insufficient savings for retirement. It emphasizes developing a budget, reducing debt through methods like snowball payment, building an emergency fund, and investing for the future in vehicles like 401ks and IRAs. The presentation aims to educate attendees on taking control of their finances through planning and commitment to financial goals.
How Money Works Us Ppt
The document provides information about investing and financial planning. It discusses the importance of starting to invest and save early due to the power of compound interest over time. It shows that investing $78 per month starting at age 25 can result in $500,000 by age 65, while waiting until age 35, 45, or 55 requires saving much more each month due to less time for compound growth. It also explains the "Rule of 72" for estimating how long it takes investments to double at a given interest rate.
Personal Financial Statements and Budgeting
This document provides information about personal financial statements, budgeting, taxes, and savings. It discusses creating a personal balance sheet listing assets and liabilities to determine net worth. It also covers creating a personal budget that tracks income versus expenses and a cash flow statement showing cash inflows and outflows. Common budgeting methods like the 50/30/20 rule and envelope system are explained. The document also discusses investment management, different types of savings accounts and investments, direct and indirect taxes, and ways to reduce tax liability through deductions specified in the Indian Income Tax Act.
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Managing for continued success
The document discusses the importance of managing for continued success and avoiding complacency. It emphasizes that organizations must develop a culture of innovation to guard against others developing better ways of doing things. Leaders should be open-minded students who listen to new ideas from competitors and outsiders. They should replace questioning how ideas can be done with a focus on making ideas a reality. Trusting the next generation and not letting past success reduce risk-taking are also important for ongoing innovation.
Focusing for success
The document provides tips for improving focus and productivity. Some key tips include figuring out the most important tasks to focus on, limiting distractions from emails and social media, getting enough sleep, breaking large tasks into smaller pieces, and delegating tasks to allow focusing on higher priorities. The document emphasizes starting with 2-3 tips and building focusing skills over time in order to accomplish more goals.
Don't let the lack of leadership limit the growth of your organization
The document discusses the importance of leadership development for organizational growth. It states that an organization cannot grow beyond the level of its leadership, and that failing to invest in recruiting, training, and developing leaders will cause an organization to decline. It then provides several recommendations for intentionally growing leaders within an organization, such as selecting candidates based on character, developing formal training programs, providing on-the-job training opportunities, letting others lead to gain experience, and soliciting input from all members on leadership development. The conclusion emphasizes that leadership development requires sacrifice but pays off in employee retention, performance, and the ability to attract top talent.
Giving the gift of responsibility
The document discusses giving the gift of responsibility to help others grow. It defines responsibility as the ability to act independently and make decisions without authorization. To truly give responsibility, one must communicate expectations, give freedom whenever possible, ask for the other person's perspective, avoid micromanaging, communicate confidence in their abilities, give responsibility from start to finish with opportunities for success or failure, avoid giving up too early, and provide praise. Giving responsibility allows one to become a multiplier of talent rather than diminishing others' growth, enables more to be accomplished as more people take responsibility, and is rewarding to see others reach their full potential. Responsibility must also be accepted by the recipient and they must be both willing and competent.
Great leadership attracts great talent
The document discusses 12 behaviors and traits that top talent looks for in organizational leadership. It states that honesty and integrity are the most important, as without them there is no trust or foundation for relationships. Additional traits include having a vision that inspires others, passion for the work, a willingness to continuously learn and invest in developing others, empowering employees, being results-oriented, good communication and listening skills, an ability to constructively address conflicts, optimism, genuine caring for employees, and bringing fun to the workplace. The document concludes that great leaders attract top talent by investing in individuals' growth while helping the whole team succeed.
Managing the church's money
This newsletter discusses best practices for churches to follow when managing finances. It emphasizes that church finances should be used to further the church's purpose of loving God, others, spreading the Gospel, and financially supporting teachers and leaders. Some key best practices include having a strong, knowledgeable finance committee that leads the budget process and provides oversight; creating a timely budget that is monitored monthly; maintaining complete accounting records; ensuring sound internal controls and segregation of duties; and being transparent in financial reporting. The goal is for churches to evaluate how well they are achieving their purpose through their use of financial resources.
A leader's number 1 responsibility part 2
Hiring the right people is essential to creating a healthy organizational culture. Look for candidates who share the company's core principles and beliefs to minimize future problems. It is also important to hire people with positive attitudes who will uplift others rather than bring them down. While diversity of skills is valuable, maintaining a like-minded team focused on common goals will help the organization succeed overall. To maintain culture, leaders must clearly communicate goals over rigid rules, invest in ongoing training, be responsive to employee needs, show appreciation throughout the organization, and make sure work is balanced with fun and celebration. Leading by example in teamwork, integrity, caring for others, and maintaining positivity is key to shaping the desired culture.
A leader's number 1 responsibilty
The document discusses why culture is important and how leaders can cultivate the right culture within their organization. It states that culture reflects how an organization operates and is guided by its values and mission. It also directly correlates with an organization's success, influencing behaviors, productivity, and willingness to change. The document then offers tips for leaders to consider, including hiring people who align with the desired culture, treating employees well through goals and appreciation, and having leaders model the type of culture wanted through their own actions and behaviors.
The People I Most Enjoy Working With
The document discusses the types of people the author most enjoys working with. It summarizes that the best people to work with dream big, get things done, know how to have fun, and have humility. Specifically, it says they think ambitiously without limitations, are resourceful and driven to achieve goals despite obstacles, are team players who don't take themselves too seriously, and have humility. The author believes recruiting people with these traits creates the perfect team.
A Budget: Friend or Foe?
This document discusses how to make a budget work as a friend rather than a foe. It recommends starting with an accurate review of spending history and current expenses. The budget should be designed to align with mutual financial goals and broken down into monthly plans. Expenses should be budgeted conservatively with room for unexpected costs, and savings and donations treated as regular items. Regular reviews and modifications can help account for changing goals or circumstances. Budgets should not be used to control others and expenses must always be less than income to avoid financial problems.
Peyton Manning's Favorite Accountant
1) The document recounts a MasterCard commercial starring Peyton Manning where he cheers on various workers, including shouting "You're my favorite accountant, Tommy!" referring to the author, Tommy Greer.
2) Greer later met Manning in person at a fundraiser through his brother, where Manning said the commercial had taken on a life of its own in stadiums.
3) Though there remains a question of who Manning's actual favorite accountant is, Greer says the Greer family's favorite football player is undoubtedly Manning.
Spending less-than-you-make
Tommy Greer argues that the timeless principle of spending less than you make should be applied at all levels of government and society. Both political parties share blame for failing to balance budgets and reduce deficits. The current situation may only change during a crisis. Greer advocates starting with basic budgeting that cuts spending to balance budgets, raises taxes to fund surpluses, and uses surpluses to pay down debt.
Do YOU Have a Will?
This document discusses the importance of having a will. It notes that many people, especially younger adults and Baby Boomers, do not have a will. Not having a will puts one's family and assets at risk. The two primary motivations for creating a will are one's family, especially minor children, and one's assets. A will ensures one's wishes are followed regarding who raises minor children and inherits assets if they die. It also discusses other estate planning tools like power of attorney and living trusts that everyone should consider at some point in their lives.
2011 Nacc Financial Mgmt & Integrity
The document provides guidance on maintaining financial accountability and integrity for churches and non-profits. It discusses understanding the purpose of the organization, not-for-profit accounting principles, governance structures, budgeting processes, internal controls, transparency, and current issues to consider. The presentation emphasizes the importance of board oversight, qualified finance committees, training, technology, and comprehensive budgeting, reporting and monitoring for ensuring proper stewardship of funds.
2020 Vision
The document discusses the importance of having a vision and planning for the future. It recommends beginning with the end in mind by envisioning what you want your future to look like in 3 to 5 years. Having a clear vision helps set goals and priorities to work towards. The author shares how their company exceeded their 10-year vision from 2000 by following this process. They encourage the reader to look ahead to 2020 and dream big without limitations by writing their own visions and scripts for the future. Areas mentioned to consider visions for include personal, professional, financial, family, health, and spiritual dimensions. Keys to achieving visions include writing them down, setting goals, developing strategies, communicating the vision, implementing and adjusting plans, and celebrating successes along
50 Years Of Service 50 Weeks Of Giving
Our Founding Fathers was founded in 1961 in Johnson City, Tennessee by Joe Blackburn and Carl Childers. Over the decades, the firm grew and added new partners. To celebrate their 50th anniversary in 2011, the firm decided to celebrate "50 years of service" by dedicating each week to giving back to different communities they serve. They called this initiative "50 weeks of giving" and budgeted funds to support various organizations throughout 2011.
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[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
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- 1. 2 Your Personal Financial Plan By Tommy Greer As we move into March, how is your financial plan for 2016 coming? Are you managing your money or is your money managing you? Typically people see the most improvement when they track what they are doing and have benchmarks to measure against. Benchmarks provide a practical tool for analyzing your personal finances, and the progress you are making toward financial independence. While our commitments, priorities and self-control determine our spending, the following ratios and bench- marks should significantly influence your overall plan. % of Income Annual Monthly Annual Monthly Total Income 50,000$ 4,167$ 100,000$ 8,333$ Tithe 10% (5,000)$ (417)$ (10,000)$ (833)$ minimum goal Savings 10% (5,000)$ (417)$ (10,000)$ (833)$ minimum goal Taxes 22% (11,000)$ (917)$ (22,000)$ (1,833)$ Should not exceed the lesser of: 35% of take-home pay or 40% of gross pay (10% if renting) Lifestyle 23% 11,500$ 958$ 23,000$ 1,917$ Ratios & Benchmarks Debt 35% (17,500)$ (1,458)$ (35,000)$ (2,917)$ Other Ratios 1. Housing Expenses - rent or mortgage no more than 20-25% of income, and including taxes, utilities, insurance, etc., no more than 35% of income. 2. Transportation Expenses - 15-20% of income. 3. Other Debt Payments - no more than 5-10% of income. 4. Savings - 10-15% of income. Other Minimum Financial Goals 1. $1,000 to start an emergency fund. 2. Maintain 3-6 months of expenses in savings. 3. Pay off all debts except for the mortgage, while at the same time continuing to save. 4. Long-term savings: retirement, college fund for children (wedding funds are also making more and more sense). The sooner you start the less you have to save monthly! Definition of Savings Savings include the current value of your investments, such as a 401(k), profit sharing, individual retirement accounts and brokerage accounts, the fair market value of investment real estate, and the value of any private business interests. For Example Based on this chart, a 35 year old with an income of $60,000 should have $54,000 ($60,000 x 0.9) in savings and no more than $90,000 ($60,000 x 1.5) in debt. A 35 year old couple making $120,000 should have savings of $108,000 and no more debt than $180,000. 30 0.1 1.7 35 0.9 1.5 40 1.7 1.25 45 3.0 1.0 50 4.5 0.75 55 6.5 0.5 60 8.8 0.2 65 12.0 0.0 Savings to Income Debt to Income Age Sprint 2016.indd 2 2/18/2016 10:01:16 AM