Asking For Financial Help Quotes

Something is profoundly wrong with the way we live today. For thirty years we have made a virtue out of the pursuit of material self-interest: indeed, this very pursuit now constitutes whatever remains of our sense of collective purpose. We know what things cost but have no idea what they are worth. We no longer ask of a judicial ruling or a legislative act: Is it good? Is it fair? Is it just? Is it right? Will it help bring about a better society or a better world? Those used to be the political questions, even if they invited no easy answers. We must learn once again to pose them. The materialistic and selfish quality of contemporary life is not inherent in the human condition. Much of what appears "natural" today dates from the 1980s: the obsession with wealth creation, the cult of privatization and the private sector, the growing disparities of rich and poor. And above all, the rhetoric that accompanies these: uncritical admiration for unfettered markets, disdain for the public sector, the delusion of endless growth. We cannot go on living like this. The little crash of 2008 was a reminder that unregulated capitalism is its own worst enemy: sooner or later it must fall prey to its own excesses and turn again to the state for rescue. But if we do no more than pick up the pieces and carry on as before, we can look forward to greater upheavals in years to come.

We must realize that artists are not in competition with each other. Help the young artists—find for them means to make their financial ways easier, that they may develop and fruit their fullest—but let us not ask them to please us in doing it.

A lot of people pray for power, house, financial breakthrough, wealth etc. But only few ask God for wisdom. There are so many great power pack man and women of God who lack wisdom.

The truth about accepting help is that it requires asking for it and coordinating it and paying for it, emotionally and financially.

Drinking and drugs might temporarily bring some relief, but there is no problem in life that drugs and alcohol don't make worse--whether the issue is financial, emotional, or legal. If you are reading this and find yourself struggling, ask God to take the burden off your shoulders, reach out for help, and stop digging a deeper hole for yourself. There is a community of millions of men and women who have been in similar circumstances and will be there for you, stranger or not, because their own recovery depends on helping people like you.

If you want to help somebody, you won’t access this kind of leverage by making them wrong or pointing out that they’re inconsistent, but rather by asking them questions that cause them to realize for themselves their inconsistencies.

Harvard was need-blind (that was significantly why he had chosen it), but even his generous financial aid package didn’t cover everything. He didn’t owe much, but he couldn’t conceive of asking Dong Hyun and Bong Cha to help with his loans, and he had not gone to Harvard to be a poor person.

Our internal boundaries define and contain the unique personal characteristics of our thoughts, feelings, opinions, behaviors, beliefs, and spirituality. Boundaries help us recognize, honor, and respect our individual wants, needs, and desires. They help us define our separateness and give us safety in our intimate communications with others. If someone verbally attacks us, we maintain our internal boundary and practice self-containment by moderately expressing our thoughts and feelings about their behavior using “I” statements. Or, we may choose not to respond and silently remind ourselves that how another person acts is about that person, not about us. If someone confronts us about our behavior, we use our internal boundary to listen to what they say. We do not internalize what is said before deciding if any of it rings true for us. If we have wronged the other person, we make amends. In either situation our self-worth is not diminished because we have maintained our internal boundaries. 110:2 We use internal boundaries in various ways. An example is deciding how much personal information, such as personal history or financial information, to share with others. Conversely, we refrain from delving into others’ personal business. We might really want to ask a question or say something to someone, yet we do not because we know that person’s private life is none of our business. 111:1 When we have healthy internal boundary systems, we recognize that each individual is responsible for his or her emotional, mental, and spiritual boundaries. We allow ourselves and others to have their own thoughts, feelings, opinions, behaviors, beliefs, and spirituality. With functional boundaries we are able to meet our needs without infringing on others’ abilities to meet their needs. Our internal boundaries can be flexible and we decide what is safe and comfortable for ourselves.

Subject: SELF WORTH (Very Deep!!!) In a brief conversation, a man asked a woman he was pursuing the question: 'What kind of man are you looking for?' She sat quietly for a moment before looking him in the eye & asking, 'Do you really want to know?' Reluctantly, he said, 'Yes. She began to expound, 'As a woman in this day & age, I am in a position to ask a man what can you do for me that I can't do for myself? I pay my own bills. I take care of my household without the help of any man... or woman for that matter. I am in the position to ask, 'What can you bring to the table?' The man looked at her. Clearly he thought that she was referring to money. She quickly corrected his thought & stated, 'I am not referring to money. I need something more. I need a man who is striving for excellence in every aspect of life. He sat back in his chair, folded his arms, & asked her to explain. She said, 'I need someone who is striving for excellence mentally because I need conversation & mental stimulation. I don't need a simple-minded man. I need someone who is striving for excellence spiritually because I don't need to be unequally yoked...believers mixed with unbelievers is a recipe for disaster. I need a man who is striving for excellence financially because I don't need a financial burden. I need someone who is sensitive enough to understand what I go through as a woman, but strong enough to keep me grounded. I need someone who has integrity in dealing with relationships. Lies and game-playing are not my idea of a strong man. I need a man who is family-oriented. One who can be the leader, priest and provider to the lives entrusted to him by God. I need someone whom I can respect. In order to be submissive, I must respect him. I cannot be submissive to a man who isn't taking care of his business. I have no problem being submissive...he just has to be worthy. And by the way, I am not looking for him...He will find me. He will recognize himself in me. Hey may not be able to explain the connection, but he will always be drawn to me. God made woman to be a help-mate for man. I can't help a man if he can't help himself. When she finished her spill, she looked at him. He sat there with a puzzled look on his face. He said, 'You are asking a lot. She replied, "I'm worth a lot". Send this to every woman who's worth a lot.... and every man who has the brains to understand!!

Or I can stay with Colby when he comes back,” she added deliberately. She even smiled. “He’ll take care of me.” His black eyes narrowed. “He can barely take care of himself,” he said flatly. “He’s a lost soul. He can’t escape the past or face the future without Maureen. He isn’t ready for a relationship with anyone else, even if he thinks he is” She didn’t rise to the bait. “I can count on Colby. He’ll help me if I need it.” He looked frustrated. “But you won’t let me help you.” “Colby isn’t involved with anyone who’d be jealous of the time he spent looking out for me. That’s the difference.” He let out an angry breath and his eyes began to glitter. “You have to beat the subject to death, I guess.” She managed to look indifferent. “You have your own life to live, Tate. I’m not part of it anymore. You’ve made that quite clear.” His teeth clenched. “Is it really that easy for you to throw the past away?” he asked. “That’s what you want,” she reminded him. There was a perverse pleasure in watching his eyes narrow. “You said you’d never forget or forgive me,” she added evenly. “I took you at your word. I’ll always have fond memories of you and Leta. But I’m a grown woman. I have a career, a future. I’ve dragged you down financially for years, without knowing it. Now that I do…” “For God’s sake!” he burst out, rising to pace with his hands clenched in his pockets. “I could have sent you to Harvard if you’d wanted to go there, and never felt the cost! “You’re missing the point,” she said, feeling nausea rise in her throat and praying it wouldn’t overflow. “I could have worked my way through school, paid for my own apartment and expenses. I wouldn’t have minded. But you made me beholden to you in a way I can never repay.” He stopped pacing and glared at her. “Have I asked for repayment?” She smiled in spite of herself. “You look just like Matt when you glower that way.” The glare got worse. She held up a hand. “I know. You don’t want to talk about that. Sorry.” “Everyone else wants to talk about it,” he said irritably. “I’ve done nothing but dodge reporters ever since the story broke. What a hell of a way to do it, on national television!

Friends and our parasympathetic nervous system”: I had a few friends visiting us yesterday and I noticed how quickly my nervous system settled down once we all sat on the couch and started talking. Upon reflecting, here are two point of what I took from this: 1. When we have (good) friends around, we cant check our emails, talk to our partners about financial issues, worry about the future or get busy. Our friends ask us to bring our attention to the here and now experience. 2. Our friends help us to remember our interdependent nature. That we belong to something that is bigger then just our spouse and children. That we are tribal. Both these points have to do with our “social” part of our parasympathetic nervous system, especially the Ventral Vagal complex- which is how we slow ourselves enough to Establish connections.

I am interested in helping people to understand how to sell what it is they need to sell in a way that makes sense for both them and the investor.  Over the years what I have been astounded that many artists and business people who produce theatre works consistently do not know how to go about funding their projects and moving them from one point to the other.  There are many money sources around, but in many cases people who make theatre are not business minded to the point of developing the skills to mine money sources consistently.  Ask yourself what is the motivation of this potential investor. Is it for financial return, is it for tax credit, is it just to help? or do they want to become a part of the entertainment business?  OK once you have discovered this then you need to think in terms of how do you present your case. This is what has come to be known in the world of investment as your “pitch deck.

When I Find It Difficult to Trust Him Trust in the Lord with all your heart, and lean not on your own understanding. PROVERBS 3:5 HAS YOUR HUSBAND ever done something you feel has violated your trust in him? It doesn’t have to be anything as terrible as infidelity. It could be financial irresponsibility, or some kind of lie or deception, or hurtful treatment of you, or a confidence he shared with someone else. Whatever it is, you can find yourself wary—always suspecting he may do the same thing again. Yet there must be trust in your marriage relationship or you can never move forward. Living in such a close relationship without trust is not living at all. It’s remarkably sad to not be able to trust the one we are supposed to trust the most. If this has happened to you, it must be remedied, rectified, and resolved. Only God can truly restore the kind of trust you need to have. If your husband has done something to lose your trust, pray that God will lead him to complete repentance. Pray also that your heart will be willing to forgive him. This can be especially hard if he is a repeat offender, but it is not too hard for God to work forgiveness in your heart if you are willing. Ask God to set you free of all anger, frustration, disappointment, fear, and resentment. The most important thing to do after you have prayed for your husband’s repentance and your forgiveness is to pray you will trust God to work a miracle in your husband’s heart and yours as well. You have to first decide that You will trust God with all your heart and not lean on your own understanding. Then He will enable you to trust your husband again. My Prayer to God LORD, I confess any time when I have lost faith in my husband and don’t have full trust in him. I know that is not the way You want me to live. Help us both to have faith in each other and not live in constant distrust, bracing ourselves for what violation of trust is going to happen next. Where my distrust is unfounded, I pray You would help me to see that and enable me to step out in trust of him again. Where my distrust is legitimate because he has truly violated that trust, I ask for a miracle of restoration. First of all, I pray You would lead my husband to total repentance. Bring him to his knees before You in confession so he can be restored. I pray he will be sincerely apologetic to me as well. Second, help me to forgive him so completely that I can trust him fully without reservation again. And last, but most important of all, help me to trust You with all my heart to rectify this situation. Work powerfully in my husband to make him trustworthy, and do a work in me to make me trusting. Help me to not depend on my own reasoning, but rather to depend on Your ability to transform us both. In Jesus’ name I pray.

My father tells a story about Richard Feynman, who’d been dubbed the Great Explainer because of his talent for explaining theoretical physics. When a journalist asked him to describe in three minutes what he’d won the Nobel Prize for, Feynman replied that if he could explain it in three minutes, it wouldn’t be worth a Nobel Prize. Feynman, I think, is making the wider point that an explanation of something by reducing it and simplifying it over and over, until all that’s left is some familiar metaphor that is actually without content, helps no one’s understanding of the thing itself and is only the repetition of a familiar image. Even the basic elements of financial derivatives are mathematical. But quite apart from the mathematical content, the other problem is that to understand derivatives requires, I think, an understanding of other more basic ideas in finance, whether or not they in turn have some mathematical content. It’s accretive, to use Zafar’s language. Perhaps this is not exclusive to finance. As far as I can tell, medicine is just the same, as well as the law.

The Proofs Human society has devised a system of proofs or tests that people must pass before they can participate in many aspects of commercial exchange and social interaction. Until they can prove that they are who they say they are, and until that identity is tied to a record of on-time payments, property ownership, and other forms of trustworthy behavior, they are often excluded—from getting bank accounts, from accessing credit, from being able to vote, from anything other than prepaid telephone or electricity. It’s why one of the biggest opportunities for this technology to address the problem of global financial inclusion is that it might help people come up with these proofs. In a nutshell, the goal can be defined as proving who I am, what I do, and what I own. Companies and institutions habitually ask questions—about identity, about reputation, and about assets—before engaging with someone as an employee or business partner. A business that’s unable to develop a reliable picture of a person’s identity, reputation, and assets faces uncertainty. Would you hire or loan money to a person about whom you knew nothing? It is riskier to deal with such people, which in turn means they must pay marked-up prices to access all sorts of financial services. They pay higher rates on a loan or are forced by a pawnshop to accept a steep discount on their pawned belongings in return for credit. Unable to get bank accounts or credit cards, they cash checks at a steep discount from the face value, pay high fees on money orders, and pay cash for everything while the rest of us enjoy twenty-five days interest free on our credit cards. It’s expensive to be poor, which means it’s a self-perpetuating state of being. Sometimes the service providers’ caution is dictated by regulation or compliance rules more than the unwillingness of the banker or trader to enter a deal—in the United States and other developed countries, banks are required to hold more capital against loans deemed to be of poor quality, for example. But many other times the driving factor is just fear of the unknown. Either way, anything that adds transparency to the multi-faceted picture of people’s lives should help institutions lower the cost of financing and insuring them.

So-called “battered women’s shelters” have been called “one-stop divorce shops” because they are “extreme militant feminist” operations that exist mostly to separate children from their fathers, even without any demonstration of violence. Erin Pizzey, who founded the first shelter in London in 1971, claims that her movement has been “hijacked” by feminists. Extended investigations by Canada’s National Post and others revealed a violently anti-male agenda, corruption, drug and alcohol use, child abuse, and even, ironically, violence against women. Yet they continue to receive government funding. One woman whose husband “didn’t beat me up or nothing, we just had an argument,” says shelter workers ignored her pleas and pressured her to leave her marriage. “They asked me if I was abused, and I said, ‘No.’ They wanted me to get a lawyer, and I said, ‘For what?’” She maintains shelter employees tried to “trick” her into making incriminating statements about her husband. “Everything negative about him, they wrote it down. If I said something nice about him, they wouldn’t write it down. I kept telling them, ‘No, he didn’t hit me.’” She was offered financial incentives to leave her husband. “They said, ‘If you leave him, we can help you find a place right away.’ But I said, ‘I don’t want to leave him.’ . . . They wanted that so bad. They were trying to break up a family, and I didn’t want that.

Contempt is born when we fixate on our spouse’s weaknesses. Every spouse has these sore points. If you want to find them, without a doubt you will. If you want to obsess about them, they’ll grow – but you won’t! Jesus provides a remedy that is stunning in its simplicity yet foreboding in its difficulty. He tells us to take the plank out of our own eye before we try to remove the speck from our neighbor’s eye (see Matthew 7:3–5). If you’re thinking “but my spouse is the one who has the plank,” allow me to let you in on a secret: You’re exactly the type of person Jesus is talking to. You’re the one He wanted to challenge with these words. Jesus isn’t helping us resolve legal matters here; He’s urging us to adopt humble spirits. He wants us to cast off the contempt – to have contempt for the contempt – and learn the spiritual secret of respect. Consider the type of people Jesus loved in the days He walked on earth – Judas (the betrayer); the woman at the well (a sexual libertine); Zacchaeus (the conniving financial cheat); and many others like them. In spite of the fact that Jesus was without sin and these people were very much steeped in sin, Jesus still honored them. He washed Judas’s feet; He spent time talking respectfully to the woman at the well; He went to Zacchaeus’s house for dinner. Jesus, the only perfect human being to live on this earth, moved toward sinful people; He asks us to do the same, beginning with the one closest to us – our spouse.

Unlike during the previous Gaza operation in 2012, the Iron Dome supply did not run out. After Operation Pillar of Defense I had instructed the army to accelerate production of Iron Dome projectiles and batteries. We accomplished this with our own funds and with generous American financial support. I now asked the Obama administration for an additional $225 million package to continue the production line after Protective Edge. He agreed, and with the help of Tony Blinken, the deputy national security advisor who later became Biden’s secretary of state, the funding provision sailed through both houses of Congress. I deeply appreciated this support and said so publicly. I was therefore very disappointed when the administration held back on the IDF’s request for additional Hellfire rockets for our attack helicopters. Without offensive weapons we could not bring the Gaza operation to a quick and decisive end. Furthermore, as the air war lingered, the administration issued increasingly critical statements against Israel, calling some of our actions “appalling”2 and thereby opening the moral floodgates against us. Hamas took note. As long as it believed that we couldn’t deliver more aggressive punches, and that international support was waning, it would continue to rocket our cities. Unfortunately, it was aided in this belief by an international tug-of-war. On one side: Israel and Egypt. On the other: Turkey and Qatar, which fully supported Hamas. I worked in close collaboration with Egypt’s new leader, el-Sisi, who had deposed the Islamist Morsi a few months earlier. Our common goal was to achieve an unconditional cease-fire. The last thing el-Sisi wanted was a Hamas success in Gaza that would embolden their Islamist allies in the Sinai and beyond. Hamas’s exiled leader, Khaled Mashal, who escaped the Mossad action in Jordan, was now in Qatar. Supported by his Qatari hosts and Erdogan and ensconced in his lavish villa in Doha, Mashal egged Hamas to keep on fighting. To my astonishment, Kerry urged me to accept Qatar and Turkey as mediators instead of the Egyptians, who were negotiating with Hamas representatives in Cairo for a possible cease-fire. Hamas drew much encouragement from this American position. El-Sisi and I agreed to keep the Americans out of the negotiating loop. In the meantime the IDF would have to further degrade Hamas’s fighting and crush their expectations of achieving anything in the cease-fire negotiations.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

28 When I Must Rethink My Expectations My soul, wait silently for God alone, for my expectation is from Him. PSALM 62:5 WE WIVES TOO OFTEN come into our marriage with great expectations of what our mate is going to be like and who he will become. We see things we want to see, and we don’t always see the things we should. Because our expectations are so high, when our husband doesn’t live up to them we can’t hide our disappointment. It comes out in moodiness, discontent, disrespect, disdain, critical words, and the ever-popular silent treatment. A wife can become the victim of her own misplaced expectations, and her husband pays for it. King David had it right when he told his soul to wait quietly for the Lord and put his expectations in Him. We must do the same. Your husband can only be who he is. You cannot put expectations on him to fulfill you in ways that only God can do. Your husband simply can’t be everything to you—nor is he supposed to be—but God can be. And He wants to be. Has your husband fulfilled every expectation you have had of him? If not, tell God about it and ask Him to fulfill those needs instead. Of course, there are certain expectations you should have of your husband, such as fidelity, love, kindness, financial support, protection, and decency. If he cannot, or won’t, provide those things for you, he is not living up to what God expects of him either. But beyond that, if you are constantly disappointed in your husband, ask God to show you whether you should be looking to your Lord and Savior, instead of your husband, for everything you need. My Prayer to God LORD, show me any expectations I have of my husband that are unfair, and for which I should be looking to You to provide instead. I know he cannot meet my every emotional need—and I should not expect him to—but You can. I look to You for my comfort, fulfillment, and peace. I thank You for all the good things my husband provides for me, and I ask You to keep me from being critical of him for not being perfect. Lord, help me to wait quietly for You to provide what I need, for I put all my expectations in You. For everything I have expected from my husband and have been disappointed because he couldn’t provide, I now look to You. If I have damaged my husband’s self-respect in any way because I have made him feel that I am disappointed in him, I confess that to You as sin. Help me to apologize and make that up to him. Bring restoration, and heal any and all wounds. Where there are certain things I should expect of him as a husband and he has failed to provide, help me to forgive him. I release him into Your hands to become who You made him to be and not what I want him to be. Help me to keep my expectations focused on You so I can live free of expectations I have no right to put on him. In Jesus’ name I pray.

23 When He Carries a Heavy Burden Bear one another’s burdens, and so fulfill the law of Christ. GALATIANS 6:2 SOCIETY PUTS A LOT OF WEIGHT on a man’s shoulders. It is his burden to earn the finances to support his family. He is expected to do well at his work and on his job. There are so many expectations of him in that regard that he feels the pressure of it constantly. That’s why you read about so many men committing suicide when they are in serious financial trouble. The burden is too great. Few women commit suicide for financial failure. If you or I fell into financial ruin, we would just sell everything, pay off all the debts we could, get a job, and start over. Men can feel the burden of failure in life-threatening ways. That’s why your husband needs your prayers to keep his burdens lifted. One of the best ways to bear your husband’s burden is to pray for him about whatever heavy load he is carrying. Every time you do, pray especially for what burdens him the most. One of the most effective things you can do is let him know you are praying for him and ask him to tell you what his burdens are. He may reveal something you didn’t even know was bothering him. God’s Word says that sometimes our burden comes from the oppressor. The children of Israel had an oppressor, and they were overtaken by this oppressor because of their own disobedience. But God promised that the burden the oppressor put on them would eventually be broken by the power of His Spirit. “It shall come to pass in that day that his burden will be taken away from your shoulder, and his yoke from your neck, and the yoke will be destroyed because of the anointing oil” (Isaiah 10:27). The anointing oil refers to a work of the Holy Spirit. Your prayers can invite the Holy Spirit to break any burden of the oppressor off of your husband’s shoulders. You will be fulfilling the “law of Christ” every time you pray like that, not to mention how it will secure your husband’s devotion. My Prayer to God LORD, I pray my husband will be able to fully release his burdens to You. I know that when we cast our burdens on You, You will sustain us and not allow us to be shaken (Psalm 55:22 NASB). Help me to bear his burdens in prayer and in any other way You reveal to me. Show me what his greatest burden is and what I can do to lighten it. I ask that You would relieve him of his heavy load by Your presence in his life. Enable him to understand that when he yokes up with You, You will carry the burden for him. I pray that when he is oppressed by the enemy, whatever prayer or supplication is made by him—when he acknowledges his own burdens before You and turns to You for help—that You will hear him (2 Chronicles 6:29-30). I also pray that as You take his burden from him, he will know it’s You doing the heavy lifting. In Jesus’ name I pray.

I no longer require your services." With her head held high, she strode for the door. Hell and blazes, he wouldn't let her do this! Now when he knew what was at stake. "You don't want to hear my report?" he called out after her. She paused near the door. "I don't believe you even have a report." "I certainly do, a very thorough one. I've only been waiting for my aunt to transcribe my scrawl into something decipherable. Give me a day, and I can offer you names and addresses and dates, whatever you require." "A day? Just another excuse to put me off so you can wreak more havoc." She stepped into the doorway, and he hurried to catch her by the arm and drag her around to face him. He ignored the withering glance she cast him. "The viscount is twenty-two years your senior," he said baldly. Her eyes went wide. "You're making that up." "He's aged very well, I'll grant you, but he's still almost twice your age. Like many vain Continental gentlemen, he dyes his hair and beard-which is why he appears younger than you think." That seemed to shake her momentarily. Then she stiffened. "All right, so he's an older man. That doesn't mean he wouldn't make a good husband." "He's an aging roué, with an invalid sister. The advantages in a match are all his. You'd surely end up taking care of them both. That's probably why he wants to marry you." "You can't be sure of that." "No? He's already choosing not to stay here for the house party at night because of his sister. That tells me that he needs help he can't get from servants." Her eyes met his, hot with resentment. "Because it's hard to find ones who speak Portuguese." He snorted. "I found out this information from his Portuguese servants. They also told me that his lavish spending is a façade. He's running low on funds. Why do you think his servants gossip about him? They haven't been paid recently. So he’s definitely got his eye on your fortune.” “Perhaps he does,” she conceded sullenly. “But not the others. Don’t try to claim that of them.” “I wouldn’t. They’re in good financial shape. But Devonmont is estranged from his mother, and no one knows why. I need more time to determine it, though perhaps your sister-in-law could tell you, if you bothered to ask.” “Plenty of people don’t get along with their families,” she said stoutly. “He has a long-established mistress, too.” A troubled expression crossed her face. “Unmarried men often have mistresses. It doesn’t mean he wouldn’t give her up when he marries.” He cast her a hard stare. “Are you saying you have no problem with a man paying court to you while he keeps a mistress?” The sigh that escaped her was all the answer he needed. “I don’t think he’s interested in marriage, anyway.” She tipped up her chin. “That still leaves the duke.” “With his mad family.” “He’s already told me about his father, whom I knew about anyway.” “Ah, but did you know about his great-uncle? He ended his life in an asylum in Belgium, while there to receive some special treatment for his delirium.” Her lower lip trembled. “The duke didn’t mention that, no. But then our conversation was brief. I’m sure he’ll tell me if I ask. He was very forthright on the subject of his family’s madness when he offered-“ As she stopped short, Jackson’s heart dropped into his stomach. “Offered what?” She hesitated, then squared her shoulders. “Marriage, if you must know.” Damn it all. Jackson had no right to resent it, but the thought of her in Lyons’s arms made him want to smash something. “And of course, you accepted his offer,” he said bitterly. “You couldn’t resist the appeal of being a great duchess.” Her eyes glittered at him. “You’re the only person who doesn’t see the advantage in such a match.

THE VISION EXERCISE Create your future from your future, not your past. WERNER ERHARD Erhard Founder of EST training and the Landmark Forum The following exercise is designed to help you clarify your vision. Start by putting on some relaxing music and sitting quietly in a comfortable environment where you won’t be disturbed. Then, close your eyes and ask your subconscious mind to give you images of what your ideal life would look like if you could have it exactly the way you want it, in each of the following categories: 1. First, focus on the financial area of your life. What is your ideal annual income and monthly cash flow? How much money do you have in savings and investments? What is your total net worth? Next . . . what does your home look like? Where is it located? Does it have a view? What kind of yard and landscaping does it have? Is there a pool or a stable for horses? What does the furniture look like? Are there paintings hanging in the rooms? Walk through your perfect house, filling in all of the details. At this point, don’t worry about how you’ll get that house. Don’t sabotage yourself by saying, “I can’t live in Malibu because I don’t make enough money.” Once you give your mind’s eye the picture, your mind will solve the “not enough money” challenge. Next, visualize what kind of car you are driving and any other important possessions your finances have provided. 2. Next, visualize your ideal job or career. Where are you working? What are you doing? With whom are you working? What kind of clients or customers do you have? What is your compensation like? Is it your own business? 3. Then, focus on your free time, your recreation time. What are you doing with your family and friends in the free time you’ve created for yourself? What hobbies are you pursuing? What kinds of vacations do you take? What do you do for fun? 4. Next, what is your ideal vision of your body and your physical health? Are you free of all disease? Are you pain free? How long do you live? Are you open, relaxed, in an ecstatic state of bliss all day long? Are you full of vitality? Are you flexible as well as strong? Do you exercise, eat good food, and drink lots of water? How much do you weigh? 5. Then, move on to your ideal vision of your relationships with your family and friends. What is your relationship with your spouse and family like? Who are your friends? What do those friendships feel like? Are those relationships loving, supportive, empowering? What kinds of things do you do together? 6. What about the personal arena of your life? Do you see yourself going back to school, getting training, attending personal growth workshops, seeking therapy for a past hurt, or growing spiritually? Do you meditate or go on spiritual retreats with your church? Do you want to learn to play an instrument or write your autobiography? Do you want to run a marathon or take an art class? Do you want to travel to other countries? 7. Finally, focus on the community you’ve chosen to live in. What does it look like when it is operating perfectly? What kinds of community activities take place there? What charitable, philanthropic, or volunteer work? What do you do to help others and make a difference? How often do you participate in these activities? Who are you helping? You can write down your answers as you go, or you can do the whole exercise first and then open your eyes and write them down. In either case, make sure you capture everything in writing as soon as you complete the exercise. Every day, review the vision you have written down. This will keep your conscious and subconscious minds focused on your vision, and as you apply the other principles in this book, you will begin to manifest all the different aspects of your vision.

Various musicians consented here and there to give the young boy lessons, but in 1781, Ludwig officially became the pupil of Christian Gottlob Neefe, the new court organist. This relationship opened up Ludwig’s first great responsibility in 1782, when Neefe temporarily traveled elsewhere, leaving his duties as organist for religious services to Ludwig. The boy had to play twice every day for the Catholic masses in addition to other special services. In 1783, the busy Neefe also asked Ludwig to take his place in playing the harpsichord (another instrument similar to a piano) for rehearsals of the court orchestra. Neefe had stretched Ludwig’s capabilities by requiring him to practice the works of Johann Sebastian Bach. Now Ludwig would have to read and play a variety of complicated musical pieces, further expanding his musical education. In addition, Beethoven began producing noteworthy compositions of his own. It was not until 1784, however, that Ludwig was officially appointed as Neefe’s assistant as court organist and finally began receiving a small salary. At last, he could help to financially support his family with his music, the purpose toward which his father had groomed him practically from babyhood. In 1787, at 16 years of age, Beethoven was sent to Vienna, Austria, to study under the musical master, Amadeus Wolfgang Mozart. It is not known whether he was able to receive lessons from Mozart, though some say that he was instructed by him in musical composition. Unfortunately, Beethoven’s mother became seriously ill with tuberculosis, and he had to hurry home from Vienna to say goodbye before her death at 40 years of age.

Many people report that the greatest fear they face today is the fear of not having enough money to maintain their lifestyle throughout retirement. Does this sound like you? Social Security is still a vital role in retirement income. The greatest benefit Social Security provides is regular income that is guaranteed to increase over time and continue as long as you live. Keep in mind, Social Security taxes are just that – taxes. As a result, a worker’s retirement security is entirely dependent upon political decisions. Nevertheless, for now, this benefit makes Social Security one of the most valuable sources of income during one’s retirement. Unfortunately, most Americans do not know much about Social Security. They know even less about how to maximize the benefits that may help sustain them throughout retirement. Whether you are depending upon Social Security to make a significant impact on your retirement income or just a part of your entire financial portfolio, it would be wise to understand which claiming options are available to get the most out of your Social Security income. Even in these tough times and volatile markets, we help our clients take a comprehensive approach to their retirement planning. We offer a complimentary service that we call Social Security Maximization or SSI Max. There are hundreds of ways to claim your Social Security, but which one is right for you and your family? One simple mistake or misjudgment of the program can cost you thousands of dollars that you rightfully deserve. Download our free eBook: 4 Myths about Social Security Income to learn a few common misconceptions about Social Security Income. Find out your SSI Max Strategy Our team of experts use a proprietary system that links to the government’s official Social Security website. It only takes a few minutes to generate your SSI Max Report. Click here to see a sample report and act quickly to get your very own personalized report. Just schedule a call with me to find out your very own, optimal SSI Max Strategy! Click here to schedule now! P.S. – Be sure to ask me about including a “Shortfall Analysis” in your report. Our clients are LOVING this feature! Seriously! What is it? Our Advanced Case Design team builds a comprehensive financial plan best suited for your specific situation by considering all of your retirement vehicles. This is, without a doubt, the best retirement planning offer you will see in a very, very long time!

All those songs I used to pretend to understand, all the angsty, heartbroken songs I had heard all my life, they suddenly made so much more sense. "Well, then she probably needs a giant coffee, a huge box of your creations, and some time to nurse her feelings in private, don't you think?" Brantley Dane, local hero, saves girl from sure death brought on by sheer mortification. That'd be his headline. "Come on, sweetheart," he said, moving behind me, casually touching my hip in the process, and going behind counter. "What's your poison? Judging by the situation, I am thinking something cold, mocha or caramel filled and absolutely towering with full fat whipped cream." That was exactly what I wanted. But, broken heart aside, I knew I couldn't let myself drown in sweets. Gaining twenty pounds wasn't going to help anything. There was absolutely no enthusiasm in my voice when I said, "Ah, actually, can I have a large black coffee with one sugar please?" "Not that I'm not turned on as all fuck by a woman who appreciates black coffee," he started, making me jerk back suddenly at the bluntness of that comment and the dose of profanity I wasn't accustomed to hearing in my sleepy hometown. "But if you're only one day into a break-up, you're allowed to have some full fat chocolate concoction to indulge a bit. I promise from here on out I won't make you anything even half as food-gasm-ing as this." He leaned across the counter, getting close enough that I could see golden flecks in his warm brown eyes. "Honey, not even if you beg," he added and, if I wasn't mistaken, there was absolutely some kind of sexually-charged edge to his words. "Say yes," he added, lips tipping up at one corner. "Alright, yes," I agreed, knowing I would love every last drop of whatever he made me and likely punish myself with an extra long run for it too. "Good girl," he said as he turned away. And there was not, was absolutely not some weird fluttering feeling in my belly at that. Nope. That would be completely insane. "Okay, I got you one of everything!" my mother said, coming up beside me and pressing the box into my hands. She even tied it with her signature (and expensive, something I had tried to talk her out of many times over the years when she was struggling financially) satin bow. I smiled at her, knowing that sometimes, there was nothing liked baked goods from your mother after a hard day. I was just lucky enough to have a mother who was a pastry chef. "Thanks, Mom," I said, the words heavy. I wasn't just thanking her for the sweets, but for letting me come home, for not asking questions, for not making it seem like even the slightest inconvenience. She gave me a smile that said she knew exactly what I meant. "You have nothing to thank me for." She meant that too. Coming from a family that, when they found out she was knocked up as a teen, had kicked her out and disowned her, she made it clear all my life that she was always there, no matter what I did with my life, no matter how high I soared, or how low I crashed. Her arms, her heart, and her door were always open for me. "Alright. A large mocha frappe with full fat milk, full fat whipped cream, and both a mocha and caramel drizzle. It's practically dessert masked as coffee," Brantley said, making my attention snap to where he was pushing what was an obnoxiously large frappe with whipped cream that was towering out of the dome that the pink and sage straw stuck out of. "Don't even think about it, sweetheart," he said, shaking his head as I reached for my wallet. "Thank you," I smiled, and found that it was a genuine one as I reached for it and, in a move that was maybe not brilliant on my part, took a sip. And proceeded to let out an almost porn-star worthy groan of pure, delicious pleasure. Judging by the way Brant's smile went a little wicked, his thoughts ran along the same lines as well.

You don’t have to hide your happiness, your peace, your victory, or your possessions. You don’t have to dress down and look poor and pitiful and depressed to show people you are humble. When you wear your blessings well, giving God all the credit, talking about His goodness, thanking Him for what He has done, that’s what really brings honor to our God. If God has blessed you with financial success or helped you through a challenge in a relationship, a job, your health, or your finances, wear that blessing well. Tell everyone what God has done for you. If they make fun of you like they make fun of me and ask why you are so happy, just tell them, “I’m wearing my blessing well. God has been so good to me I can’t keep it to myself. I’ve got to tell somebody. I once was lost, but now I’m found. I should be dead, but I’m still alive. Look what the Lord has done.” Some critics and doubters may tell you to calm down or chill out on the happiness stuff. Let that go in one ear and out the other. Keep wearing your blessings well, and over time, instead of them affecting you, you will inject them. You will help them come up higher. When you dress your best, you’re wearing your blessings well. When you step up and take that promotion, you’re wearing your blessings well. When God opens the door and you move into that new house you’ve been believing for, others may be critical. But don’t allow those who are negative, jealous, judgmental, bitter, angry, and nonsmiling to bring you down. If you want to please God and live in happiness, don’t drag around broke, defeated, or depressed. Wear your blessings well. Step up to a new level. Enjoy God’s favor. Be proud of who you are and of what God has done in your life.

tell people not to be scared to put conditions on a financial gift. You could give them money only if they agree to go through Financial Peace University. You could give them a copy of this book or another one of my books, The Total Money Makeover, and “pay” them to write you a book report. You could require that they submit three monthly budgets to you as you continue to help them through a transitional time. If they accuse you of butting in, just remind them that they are ASKING you to butt in by giving them money. If they want your help, they need to take all of your help, not just your money. Third, I remind people that they can only help others if they have the cash on hand themselves. Never cosign a loan to “help” someone else, and never loan money to a friend or relative. That just keeps them in debt longer, strains the relationship, and keeps the cycle of destruction going.

Feinstein has been a China-booster from the early 1990s, often backing pro-Beijing legislation in the Senate. Her husband has strong business links in China, which she denies have had any influence on her. In 1997 she compared the Tiananmen Square massacre to the shooting of four students at Ohio’s Kent State University in 1970, and called for a joint US–China commission on the two nations’ human rights records.35 Lowe left Feinstein’s office after the FBI warned her about him. China’s intelligence agencies also target Westerners not of Chinese heritage for information-gathering. In 2017 a long-serving State Department employee, Candace Claiborne, was indicted for accepting money and gifts from Chinese agents in exchange for diplomatic and economic information.36 She had been targeted by the MSS’s Shanghai State Security Bureau after she asked a Chinese friend to find a job in China for a family member. Claiborne maintained secret contact with MSS agents for five years, supplying them with information in return for help with her ‘financial woes’. She was sentenced to forty months in prison. In the early 1990s Britain’s MI5 wrote a protection manual for businesspeople visiting China; the advice remains relevant today: ‘Be especially alert for flattery and over-generous hospitality … [Westerners] are more likely to be the subject of long-term, low key cultivation, aimed at making “friends” … The aim of these tactics is to create a debt of obligation on the part of the target, who will eventually find it difficult to refuse inevitable requests for favours in return.

If, at any time during your transition, you feel out of control, take charge of the situation. Set clear boundaries. Have the courage to confront any difficult conversations. Remember that even when external events are setting the agenda, you always have ultimate control because you can control how you respond to events. Ask for help and appreciate any offers of help. Always be ready to take risks. Never let the fear paralyse you.

I’m a person who dislikes asking for help from other people. I always want to do it all by myself. I feel like I need to do everything by myself and almost feel ashamed to ask people for help,

Suraj solar and allied industries, Wework galaxy, 43, Residency Road, Bangalore-560025. Mobile number : +91 808 850 7979 Introduction to Solar Rooftop Systems Understanding Solar Energy Importance of Solar Rooftop Systems Harnessing the power of the sun to generate clean and renewable energy has become increasingly essential in today's world. Solar rooftop systems offer a sustainable solution for both residential and commercial properties to reduce reliance on traditional grid electricity and lower carbon emissions. By understanding the fundamentals of solar energy and recognizing the significance of solar rooftop installations, individuals and businesses in Bangalore can pave the way towards a more environmentally conscious and cost-effective energy future. # Solar Rooftop in Bangalore - Sunease Solar ## Introduction to Solar Rooftop Systems ### Understanding Solar Energy Solar energy is like the coolest kid on the block when it comes to renewable energy sources. It's basically sunlight transformed into electricity, which is pretty neat if you ask me. ### Importance of Solar Rooftop Systems Solar rooftop systems are like the superheroes of the energy world - they harness the power of the sun right from your rooftop. They not only help you save money but also reduce your carbon footprint. Win-win! ## Benefits of Solar Rooftop Installations ### Financial Savings Imagine cutting down on those hefty electricity bills - that's what solar rooftop installations do. They help you save money in the long run while also increasing the value of your property . It resembles having your cake and eating it as well! ### Environmental Impact By switching to solar energy, you're basically giving Mother Earth a virtual high-five. Solar rooftop installations reduce greenhouse gas emissions and help combat climate change. So, you're not just saving money, you're saving the planet. NBD. ### Energy Independence Who doesn't want to be a little more independent, am I right? Solar Rooftop in Bangaloreprovide you with a sense of self-sufficiency when it comes to energy. You're not at the mercy of fluctuating electricity prices anymore. It's like taking control of your energy destiny. ## Solar Rooftop Initiatives in Bangalore ### Government Policies and Incentives Bangalore is all about that solar love. The government has rolled out various policies and incentives to promote solar rooftop installations. It resembles they're saying, "Here's something special to do your change to sun oriented considerably better." ### Community Programs and Awareness Communities in Bangalore are coming together to spread the good word about solar energy. From awareness campaigns to collective installations, they're making sure everyone knows that solar is the way to go. It's like a solar revolution, but with a cool community twist. ## Sunease Solar: A Leader in Solar Rooftop Solutions ### Company Overview Sunease Solar is basically the Gandalf of solar rooftop solutions - wise, reliable, and always there when you need them. They're experts in the field, making the switch to solar as easy as pie (solar-powered pie, of course). ### Product Offerings From sleek solar panels to cutting-edge inverters, Sunease Solar has it all. They offer top-notch products that are not only efficient but also look pretty darn good on your rooftop. It's like having the Ferraris of solar installations. ### Customer Success Stories Customers love Sunease Solar, and for good reason. Their success stories speak volumes about the quality of service and satisfaction they provide. It's like a feel-good movie, but with solar panels instead of actors. 5. Key Features of Solar Rooftop Systems Panel Efficiency and Durability When it comes to Solar Rooftop in Bangalore, panel efficiency and durability are key factors to consider.

Mom is mostly interested in my life inasmuch as it affects her own. Fact is, despite her selfishness, or maybe even because or it, I can always ask Mom for help in a pinch. She seems to get on some kind of high fueled by maternal hormones and self-importance whenever I'm in extremis. Suddenly, she develops an in-depth interest in my life, feeding of the drama like a soap opera junkie anxious for the next installment. My breakups, heartbreaks, and financial crises give her something to talk about with her friends, especially her role as glorified rescuer of the distressed. Inevitably, whenever I emerge from a crisis and get my life back to normal, dear Mom lapses back into her routine lack of interest.

We all drank to the newlyweds and talked for a few minutes about Playa del Carmen, which apparently was known for its beaches and fine fishing, and was far less touristy than Cancún. “Have you been to Mexico, Ella?” Liberty asked. “Not yet. I’ve wanted to go for a while.” “We should go one of these weekends, all four of us, and take the kids,” Liberty told Gage. “It’s supposed to be a good place for families.” “Sure, we’ll take one of the planes,” Gage said easily. “Do you have a passport, Ella?” “No, not yet.” My eyes had widened. “The Travises have a plane?” “Two jets,” Jack said. A smile touched his lips as he saw my expression. He picked up my free hand and played with it lightly. I supposed that by then I should have been used to the little shock that occurred whenever I was reminded of the financial stratosphere the Travises occupied. “Gage,” Jack said to his brother, still staring at me, “I think the mention of the planes is scaring Ella. Tell her I’m a regular guy, will you?” “He’s the most regular guy in the Travis family,” Liberty told me, her green eyes twinkling. I couldn’t help laughing at the qualifier.

Geithner’s proposed terms for the loan—which drew heavily on the work of bankers he had asked to explore options for private financing for AIG—included a floating interest rate starting at about 11.5 percent. AIG would also be required to give the government an ownership share of almost 80 percent of the company. Tough terms were appropriate. Given our relative unfamiliarity with the company, the difficulty of valuing AIG FP’s complex derivatives positions, and the extreme conditions we were seeing in financial markets, lending such a large amount inevitably entailed significant risk. Evidently, it was risk that no private-sector firm had been willing to undertake. Taxpayers deserved adequate compensation for bearing that risk. In particular, the requirement that AIG cede a substantial part of its ownership was intended to ensure that taxpayers shared in the gains if the company recovered. Equally important, tough terms helped address the unfairness inherent in aiding AIG and not other firms, while also serving to mitigate the moral hazard arising from the bailout. If executives at similarly situated firms believed they would get easy terms in a government bailout, they would have little incentive to raise capital, reduce risk, or accept market offers for their assets or their company. The Fed and Treasury had pushed for tough terms for the shareholders of Bear Stearns and Fannie and Freddie for precisely these reasons. The political backlash would be intense no matter what we did, but we needed to show that we got taxpayers the best possible deal and had minimized the windfall that the bailout gave to AIG and its shareholders.

THE VARIOUS GAINS OF FLIGHT DELAY DAMAGES Travelling byair is one of the handiest means to get from one point to another. It's quick, safe, and hassle-free. Obviously, hassle-free is a subjective term as some folks find all the safety precautions cumbersome. Since there are much fewer plane accidents when compared with automobile accidents however, it's a good deal better mathematically talking. Naturally, travel issues are not merely limited to injuries and crashes; occasionally, the ones that are most problematic are the small things that eventually become larger. Having the flight postponed for 5 - 10 minutes does not seem much to most folks. However, for people who will be catching a connecting flight after, this really is an extremely large difficulty. They need to run across the next airport simply to make it in time or they will need to get it rescheduled and watch for the next available flight. Either way, it's a very big hassle and it all came from a 5 minute delay. What You Can Get That is why you should be aware of the many benefits that you can get. Flight delay compensation isn't a simple thing that airlines give just to keep customers satisfied; the law requires to give damages for faulty service as mandated them. Different areas have different laws regarding this but it usually means that if your flight got delayed, the airline must help you during that time. If, for example, you may end up late to your connecting flight, then you can certainly ask aid from the airline to assist you look for an accessible connecting flight, have it reserved, and even request financial compensation as you need to wait for the brand new boarding time if it's a few hours more. Typically, you can demand help for the amount of money you are going to be spending simply because your flight was delayed. This can happen whether the flight was delayed for a very long time due to technical issues. That those can get somewhere to sleep in, some airports will open up the VIP lounge. Also, they are going to be given free food and drinks especially if they must stay for more than one night. Inclusions and Exceptions Flight delay settlement is all about getting compensated for hassle and all the trouble that an undue delay has brought on. Delays caused by neglect or some other reason which was a result of the airline can be deemed as such. This implies that if they couldn't have prevented the issue no matter what, you won't be able to seek damages. For example, if the weather suddenly took a turn for the worse and the whole airport was locked down and no airplanes are permitted to fly, then this is a problem that they couldn't avert. It would not be safe to fly with such conditions and no one can do anything about it. Naturally, you can still seek assistance but remember that they have no obligation to do so and you've got no right to demand money as reimbursement for the delay. In the end, the biggest difference between force of nature accidents and those due to negligence is that you can ask for aid but they're just required to do so during the latter. They have to give money for the hassle to you as well if it was their fault.

Peer Reviews Many accountants are asking whether preparation of financial statement engagements trigger a peer review requirement. Here are three questions and answers to help clarify whether your CPA firm is subject to peer review. Question 1 Are public accounting firms required to participate in a peer review program if they only issue financial statements using the preparation guidance in SSARS 21? Based on the AICPA’s rules, the answer is no. But check with your state board of accountancy. Some states require participation in a peer review program even if the AICPA does not. Question 2 If my firm participates in a peer review program, will the financial statement work performed under the preparation guidance be subject to potential review? Yes, the financial statements prepared using the preparation guidance will be included in the scope of the peer review. Question 3 Will compilations be included in peer reviews? Yes. When a peer review is performed, compilations will be included in the scope of the engagement. The issuance of a compilation report does trigger the requirement for a peer review. AICPA Guidance The February 2015 Peer Review Update, a monthly AICPA newsletter, included the following: “On November 18, 2014, the Peer Review Board (PRB) issued an exposure draft, which proposed that firms that only perform preparation engagements under AR-C Section 70 – Preparation of Financial Statements (issued as part of Statement on Standards for Accounting and Review Services (SSARS) No. 21, Statement on Standards for Accounting and Review Services: Clarification and Recodification) would not be required to enroll in the AICPA peer review program (Program). However, it also proposed that a firm’s preparation engagements would be included in the scope of a peer review when the firm either elects to enroll in the program (e.g., to comply with licensing or other requirements) or is already enrolled due to other engagements it performs. This proposal was issued in order to address the effect of these engagements on the scope of the Program. The PRB considered comments raised by the peer review community about the proposal and elected to adopt the proposed guidance changes. The changes are effective for peer reviews commencing on or after February 1, 2015.” Tracking Preparation of Financial Statement Engagements Since the preparation service will be included in the scope of peer reviews, consider that firms enrolled in a peer review program need to track the number of preparation services provided. Otherwise, the peer reviewer will not be able to determine the firm’s mix of work; the peer reviewer uses the total population of a firm’s work to select the sample of engagements to be reviewed. Create a method to track financial statement engagements performed under the preparation standard as early as possible. Peer reviews commencing on or after February 1, 2015, are to include preparation engagements. Given the nature of the preparation service—one that gets turned around quickly—it would be easy for a firm to lose track of how many financial statements were issued using this option. Peer Reviews - A Simple Summary •According to AICPA rules, firms that only perform preparation of financial statement services are not required to enroll in the AICPA peer review program (check with your state board of accountancy to see if their rules are different) •For accounting firms subject to peer review, preparation engagements will be included in the scope of peer reviews •Set up a method to track your preparation engagements; peer reviewers need to know how many preparation engagements your firm issues

Where are you? I need you to answer. Of all the times for you not to answer, this is the worst. I just kissed Garner. Oh my gosh. Rose! What am I going to do? Today was a long, hard, long—did I already say long?—day. I was working here at my desk and I was incredibly frustrated because I was having to fix a mistake one of the financial analysts made, when I heard a knock. I looked up and Garner was standing just inside my doorway, with his suit jacket over his arm. My heart squeezed because . . . you know why. This thing I have for him. He asked me why I always work so late. I explained about the mistake I was fixing and then told him about all the other things I still have to finish before I can call it a night. He said he thought it was dangerous for me to remain on our floor after hours, to walk to my car alone, to arrive at my apartment alone. He told me he was concerned that I’m being careless with my safety. I stared at him, speechless, because lots of people work late. Almost all of them are men, so the only thing I could figure was that he was basically scolding me for working late because I’m female. Which is completely sexist and infuriating. But hold the phone. It gets worse. “Going home earlier will be better for you in other ways,” he said. “It’ll help you balance things out. Get more sleep. More rest.” And then this is the kicker. He said, “It might be time for you to get a life, Kathleen.” He said it nicely. There was humor in his eyes, there was. But I knew . . . I knew, Rose, that he was serious. That he really does think I need to get a life. And it just . . . it sparked something inside me because here I am working my butt off for Bradford Shipping, spending my time at the office, because I’m trying to save his company. He’s the one leaving to go home and he has the audacity to tell me to get a life! I stood and came around my desk as I told him all of that. Everything I just told you. I didn’t scream it. I spoke it quickly and I think, quietly. But I said it like I meant it. Because I did mean it. I was upset. How dare he! Get a life! From the man who’s not exactly known for making the best life decisions. I found myself standing right in front of him. He raised an eyebrow slightly. That’s it! That’s all he did. He was totally unmoved by my speech. He looked calm. He looked like someone I could never have. Plus, his eyes are ridiculous. My destructive streak surfaced and I stepped forward and I put my palms on his cheeks and I kissed him. Just a press of lips to lips. That’s it. I waited for maybe one whole second, which felt like ten, for him to kiss me back, to put his arms around me. Something! Instead he moved backward. Oh, Rose. It was horrible. His gaze narrowed on me and his chest expanded with his breath a few times, but otherwise he stood there like a statue. And I stood there like a statue. Then he turned and left. I could die. I’ve locked my office door and closed my blinds and I’m sitting on the floor behind my desk. How am I supposed to face him now? I’m sure he thinks I’m insane. Why

For example, every year, I rent Intuit’s TurboTax so I can do my income taxes. I pay for something I only need for a few weeks in February even though it holds my data for the entire year. That is because it has my data from the previous year (and for years before that). It simply asks if my financial situation has changed or if I have unique needs for a given tax year. It even has built-in, crowd-based support to help me when I get stuck. TurboTax meets many of the lovability requirements. It solves my problem, meets needs I did not know I had, makes my life easier, and adapts as my circumstances change. Best of all, I pay a reasonable price to rent it every year. But how does Intuit really know what I need? Well, Intuit is famous for a program they call Follow Me Home. It sounds exactly like what it is — a way to observe customers in their homes or offices in order to understand how they actually use Intuit’s products. The founding team used Follow Me Home as a way to help their teams get an immersive look at what customers liked and what they needed, as well as what worked and what did not work. By observing customers in their own spaces, the Intuit team was able to see how often customers were interrupted while trying to use their product, or if they started on one device and finished the task on another. They were able to funnel that information back to their development team to make updates in subsequent releases. It is important to note that they were not following customers home to look for bugs in the product. No, they had a deeper purpose — to truly understand the experience of their customers and if their products were making their work and life easier. That deep commitment to understanding customers helped Intuit find elegant ways to help them. It is a simple concept and one that more product builders would benefit from.

Summary of Rule #3 Rules #1 and #2 laid the foundation for my new thinking on how people end up loving what they do. Rule #1 dismissed the passion hypothesis, which says that you have to first figure out your true calling and then find a job to match. Rule #2 replaced this idea with career capital theory, which argues that the traits that define great work are rare and valuable, and if you want these in your working life, you must first build up rare and valuable skills to offer in return. I call these skills “career capital,” and in Rule #2 I dived into the details of how to acquire it. The obvious next question is how to invest this capital once you have it. Rule #3 explored one answer to this question by arguing that gaining control over what you do and how you do it is incredibly important. This trait shows up so often in the lives of people who love what they do that I’ve taken to calling it the dream-job elixir. Investing your capital in control, however, turns out to be tricky. There are two traps that commonly snare people in their pursuit of this trait. The first control trap notes that it’s dangerous to try to gain more control without enough capital to back it up. The second control trap notes that once you have the capital to back up a bid for more control, you’re still not out of the woods. This capital makes you valuable enough to your employer that they will likely now fight to keep you on a more traditional path. They realize that gaining more control is good for you but not for their bottom line. The control traps put you in a difficult situation. Let’s say you have an idea for pursuing more control in your career and you’re encountering resistance. How can you tell if this resistance is useful (for example, it’s helping you avoid the first control trap) or something to ignore (for example, it’s the result of the second control trap)? To help navigate this control conundrum, I turned to Derek Sivers. Derek is a successful entrepreneur who has lived a life dedicated to control. I asked him his advice for sifting through potential control-boosting pursuits and he responded with a simple rule: “Do what people are willing to pay for.” This isn’t about making money (Derek, for example, is more or less indifferent to money, having given away to charity the millions he made from selling his first company). Instead, it’s about using money as a “neutral indicator of value”—a way of determining whether or not you have enough career capital to succeed with a pursuit. I called this the law of financial viability, and concluded that it’s a critical tool for navigating your own acquisition of control. This holds whether you are pondering an entrepreneurial venture or a new role within an established company. Unless people are willing to pay you, it’s not an idea you’re ready to go after.

Because Westerners are so bombarded by people seeking money or other kinds of financial or material assistance, they begin to believe that all needy Africans are out and about aggressively asking for help. This is far from being true. In many African cultures, the most needy people are the most hesitant to ask for help. In contrast, more aggressive, blatant requests are typically indications that the petitioner is manipulative, professional, or at least more practiced. Whether needy people are restrained or bold about asking for help seems to depend a great deal on the person’s culture, religion, individual scruples and values, and, of course, on his self-definition of “needy.

The University Student who accessed Joy I once asked several university students at a mindfulness workshop why they were so stressed. Below is a conversation I had with a young student: “Why do you get yourself so stressed out?” “Because I have so much work to do in order to pass my masters degree”, replied the student. “Is the degree important to you?” “Of course it’s important. If I pass, I’ll have the chance to work for a law firm and eventually become a junior partner”. “Why do you want to become a junior partner?” “So that I can work my way up the ladder, have more influence and earn a lot of money”. “Why do you want to have a lot of influence and earn a lot of money?” I asked. “If I have a lot of money and influence, I will have enough financial muscle to provide everything for my future wife and children.” “Do you have your own family yet?” “Not at the moment. I’m single but I want to prepare myself”, the student replied. “So, why do you want a partner and children?” “Because, I’ll feel complete and satisfied”, the student replied. “Do you mean that you will feel happier if you have all of these things?” “Yeah, that’s it! I want to be happy and feel good about myself. I want happiness”. “Why don’t you just decide to be happy right now rather than spending most of your time desperately hoping to find happiness in something that hasn’t happened yet? You can still create your own reality and meet your dream partner but you can start to feel happy now before you meet her”. This conversation helped the student to see the futility of booking appointments in the future to be happy, when he could consciously make that choice in the present moment and also that he would have a much better chance of attracting his dream career and partner if he was vibrating joy in the present moment. The wonderful realization of mindful living is that we do not need an excuse to be happy and serene. Being joyful comes as a result of being mindful. Nothing more is required from us apart from honouring the nowness of life. What a startling revelation!!

Contempt is born when we fixate on our spouse’s weaknesses. Every spouse has these sore points. If you want to find them, without a doubt you will. If you want to obsess about them, they’ll grow – but you won’t! Jesus provides a remedy that is stunning in its simplicity yet foreboding in its difficulty. He tells us to take the plank out of our own eye before we try to remove the speck from our neighbor’s eye (see Matthew 7:3–5). If you’re thinking “but my spouse is the one who has the plank,” allow me to let you in on a secret: You’re exactly the type of person Jesus is talking to. You’re the one He wanted to challenge with these words. Jesus isn’t helping us resolve legal matters here; He’s urging us to adopt humble spirits. He wants us to cast off the contempt – to have contempt for the contempt – and learn the spiritual secret of respect. Consider the type of people Jesus loved in the days He walked on earth – Judas (the betrayer); the woman at the well (a sexual libertine); Zacchaeus (the conniving financial cheat); and many others like them. In spite of the fact that Jesus was without sin and these people were very much steeped in sin, Jesus still honored them. He washed Judas’s feet; He spent time talking respectfully to the woman at the well; He went to Zacchaeus’s house for dinner. Jesus, the only perfect human being to live on this earth, moved toward sinful people; He asks us to do the same, beginning with the one closest to us – our spouse.

Therefore, if anyone is in Christ, the new creation has come: The old has gone, the new is here! —2 Corinthians 5:17 (NIV) It’s amazing what a few gallons of butter-yellow paint can do for your soul. As I stepped out of a difficult year that included financial hardship and a painful divorce, I wanted my home to reflect not only my survival, but also my hope and renewed joy. I got rid of every painting and hung up blank white canvases waiting for colors and inspiration. Old photos were taken down and new ones were framed. My dingy linoleum floors were covered by bright laminate wood, and the dining room chairs were newly dressed in dark, childproof upholstery. As my home was undergoing its slow rebirth, I asked advice from carpenters who had come to my church on a missions trip from North Carolina. “I’m thinking of building a loft bed for my boys,” I said. I wanted them to have space for all their toys. “Is it safe to use my old bed frame to build it?” “Why don’t you wait till we get back to New York City next month?” they responded. I waited and painted my sons’ walls the color of sunny skies, and when the team finally returned they had a surprise waiting for me: the loft bed! I was overwhelmed by their generosity and love. As they installed the bed, I could feel God’s hand in it. He’d done so much to transform me on the inside and now He was helping me transform everything else. Lord, thank You for the gift of renewal. —Karen Valentin Digging Deeper: Rom 12:2; 1 Pt 1:13

I began to tell the Lord how beautiful His creation was. Of course He was already aware of that, so I described how marvelous were the works of His hands and how utterly fantastic it was that each tiny snowflake was different. I described how wonderful the colors of the rainbow were and how they represented His covenant with man. The Lord was patient and allowed me to carry on in this fashion for several minutes, but alas, I was not really able to accurately answer His simple request. Then He spoke to me and gave me the revelation to what I was seeing. The Lord said, “My son, what you are seeing are the souls of unsaved men and women of earth who are dying and going to hell at this very moment.” Those words penetrated my spirit like a sharp two-edged sword. I fell to my knees and began to weep as a passion that I had never known began to well up from some mysterious and hidden place deep within my spirit. “Oh, God, look at all of those souls,” I said, breaking the silence. Suddenly, I was overwhelmed with a strange compulsion to watch for a long time as thousands upon thousands of tiny flakes fell through the bright sunbeam. Their short fall was full of spectacular color and glory, but when they hit the ground, it was all over. The Lord was revealing to me a prophetic picture of the brevity of our short lives on an eternal scale. Our days on earth are but a vapor! (See Psalm 39:5 and James 4:14.) I was pierced through to the very heart. “Lord!” I cried out. “What can I possibly do?” He replied, “Just do what I ask, and preach the Cross of Christ.” “I can do that Lord. I will do that, my God, but I will need Your help.” I stayed upon my knees for a long time gazing at this spectacle. During this encounter, God birthed within me a holy passion and hunger to witness souls saved and people totally healed and delivered. I was absorbed in witnessing the array of tiny cascades of colors that luxuriated in the glory of God. I contemplated the ramifications of what I had been told. What a beautiful and glorious God He is. How can we as humankind turn our backs upon Him and such a great salvation that is so easily ours? I pondered all of the events that had been unfolding over the past few days, realizing that I would never be the same. I also realized that God would have to bring all the things that He had birthed in my heart to pass. I purposed to surrender my life and destiny to His will, and to Him. I “altared” my destiny into the hands of God. It was also during this encounter that the Lord instructed me to travel to Africa as an “armor bearer,” to preach His Gospel there and to pray for the sick. I was actually terrified by the prospect of traveling to Africa. I couldn’t imagine that in reality I could go there, considering my current financial situation and my lack of training to preach or minister in healing. However, I soon learned that with God nothing is impossible. Perhaps my obedience to walk with God in minus 12 degree temperatures opened the door to Africa to me? It was still another seemingly bizarre and peculiar gesture of obedience to the Spirit of God. ENTERTAINING ANGELS IN AMERICA After my return to the United States from Canada, I was radically transformed. I could no longer settle for a form of godliness. I began to wait on God, and He began to release supernatural provision

This was another lesson I learned from Mom over the course of our book club: Never make assumptions about people. You never know who can and will want to help you until you ask. So you should never assume someone can’t or won’t because of their age, or job, or other interests, or financial situation.

You know what I need before I even say it, Father. I need healing; I need deliverance in my mind and emotions. My family members need deliverance. Lord, I’m asking You to help me. I believe that what Jesus did on the Cross was for me, and I partake of His power and provision right now in Jesus’ Name.” Tell the Holy Spirit, “I know I’ve struggled with fear and doubt, Holy Spirit, but I also know that You have compassion on me. So I’m agreeing with You right now that Jesus is the Bread of Heaven and He gave His life so I could partake of the miracle I need. In this loaf is my healing, my deliverance, my financial provision, and help in my relationships. I take hold right now of Your power, Holy Spirit, and I won’t stop pressing in for my miracle until I see my answer with my own eyes!

If you choose to try to make a life with another person, you will live by that choice. You’ll find yourself having to choose again and again to remain rather than run. It helps if you enter a committed relationship prepared to work, ready to be humbled, and willing to accept and even enjoy living in that in-between span of a single conversation, sometimes over the course of years. And inside of that choice and those years, you’ll almost certainly come to see that there’s no such thing as a fifty-fifty balance. Instead, it’ll be like beads on an abacus, sliding back and forth—the math rarely tidy, the equation never quite solved. A relationship is dynamic this way, full of change, always evolving. At no point will both of you feel like things are perfectly fair and equal. Someone will always be adjusting. Someone will always be sacrificing. One person may be up while the other person is down, one might bear more financial pressures, while the other person handles household and caregiving responsibilites. Those choices and the stress that goes along with them are real. I’ve come to realize though, that life happens in seasons. Your fulfillment—in love, family and career—rarely happens all at once. In a strong relationship both people will take their turns at compromise, building that shared sense of home together, there in the in-between Regardless of how wildly and deeply in love you are, you will be asked to on board a whole lot of your partners' foibles, you will be required to ignore all sorts of minor irritations and at least a few major ones too trying to assert love and constancy over all of it over all the rough spots and an invisible disruptions you will need to do this as often and as compassionately as you can. And you will need to be doing it with someone who is equally able and willing to create the same latitude and show this same forbearance toward you --to love you despite all the baggage you show up with, despite what you look like and how you behave when you are at your absolute worst.

According to Amy Goodman, Gates owns investments in sixty-nine of the world’s worst-polluting companies.203 His single-minded obsession with vaccines seems to serve his impulse to monetize his charity and to achieve monopoly control over global public health policy. His strategies and corporate alliances in the food, public health, and education sectors may also reflect messianic conviction that he is ordained to save the world with technology, top-down centralized cookie-cutter solutions to complex human problems, and a godlike willingness to experiment with the lives of lesser humans. And Gates’s vaccine cartel has amassed Midas-like riches. Early in 2021, a TV interviewer, Becky Quick, observed that Gates had spent $10 billion on vaccines over the past two decades and asked Gates, “You’ve figured out the return on investment for that and it kind of stunned me. Can you walk us through the math?” Gates responded: “We see a phenomenal track record . . . there’s been over a 20-to-1 return. So if you just looked at the economic benefits, that’s a pretty strong number.” The interviewer pressed him: “If you had put that money into an S&P 500 and reinvested the dividends, you’d come up with something like $17 billion dollars, but you think it’s $200 billion dollars.” Gates continued: “Here, yeah,” hastening to add that “helping young children live, get the right nutrition, contribute to their countries, that has a payback that goes beyond any typical financial return.”204 The key to it all, he added, is “Having that big portfolio.” And the key to much of that portfolio is having Anthony Fauci.

Let’s also note that these kinds of disputes are extraordinarily common. And that’s because many people make a big mistake when they take money from a family member or offer to provide a relative with financial support. They don’t document the transaction and the expectations that surround it. If you’re thinking of asking a relative for financial help, for heaven’s sake, determine if it’s going to be a loan or a gift, and if it’s a loan, detail the terms of that loan. Then write it all down. And record it when the loan has been repaid. If you don’t, all kinds of misunderstandings can occur.

Years back, when I was first learning about Marshall Rosenberg’s work, I attended a workshop where we learned to differentiate between needs and strategies. At the time, I was having a lot of conflict with a family member, and I asked the facilitator for help in understanding what this person’s needs might be when we get into arguments. “It seems to me that they feel a need to be right,” I said. “But everyone can’t be right,” the instructor explained. “Being right is a strategy . . . what might the need be?” After thinking more, I saw that maybe being right was this person’s way of feeling important, knowing that they matter, or feeling capable. Immediately, I felt more compassion toward them because I understood those needs. I have them, too. That experience was a powerful one for healing my family relationship, and I have seen similar changes happen when people use this way of thinking to understand and resolve financial conflicts.

Finding the Best Accounting Firms Near You In today’s business landscape, having the right accounting firm can make a significant difference in managing your finances, ensuring compliance, and planning for growth. Whether you are a small business owner or an individual seeking tax advice, finding the best accounting firms near you can provide the expertise and support needed to maintain financial stability. Why Local Accounting Firms Matter Choosing a local accounting firm offers several advantages, especially when it comes to personalized service and understanding local regulations. Local firms are familiar with state-specific tax laws and compliance requirements, which can save time and prevent costly mistakes. Moreover, they offer face-to-face meetings, allowing for better communication and a stronger relationship between the accountant and the client. This personalized approach ensures that the accounting services are tailored to your unique needs. Services Offered by the Best Accounting Firms The top accounting firms near you typically offer a wide range of services that cater to both businesses and individuals. These services may include bookkeeping, tax preparation, payroll management, financial consulting, and auditing. Additionally, many accounting firms provide specialized services such as estate planning, business valuations, and forensic accounting. With such comprehensive services, the best firms ensure that every aspect of your financial management is handled efficiently and professionally. Expertise and Experience One of the most important factors in choosing the best accounting firm is the level of expertise and experience they offer. Reputable firms have a team of certified public accountants (CPAs) and professionals with years of experience in various industries. This allows them to provide valuable insights, strategic advice, and accurate financial reporting. Furthermore, experienced firms are better equipped to handle complex financial situations, ensuring that your business remains compliant and financially sound. Reviews and Reputation Before making your decision, it’s important to research reviews and the reputation of the accounting firms near you. Online reviews and testimonials can provide insight into the experiences of past clients and help you choose a reliable firm. Additionally, asking for referrals from other business owners or professionals in your area can guide you toward a trustworthy accounting partner. In conclusion, finding the best accounting firms near you is crucial for managing finances and ensuring compliance. By considering factors such as local expertise, services offered, and reputation, you can choose an accounting firm that meets your specific financial needs and goals.

Tax Accountant Near Me: Finding the Right Professional for Your Needs When tax season approaches, finding a reliable tax accountant near you can make a world of difference. With the complex nature of tax regulations, a professional tax accountant ensures that your finances are in order and that you're maximizing your deductions. Why You Need a Tax Accountant Hiring a tax accountant can save you both time and money. Not only do they help prepare your taxes, but they also provide valuable advice on tax-saving strategies. This can be especially beneficial if you have multiple income sources, investments, or a business. In fact, many individuals and businesses overlook potential deductions due to a lack of knowledge about tax laws. A tax accountant near you will be familiar with both federal and local regulations, ensuring that you're complying with all legal requirements. How to Find a Reliable Tax Accountant Near You There are several ways to find a trustworthy tax accountant in your area. First, word of mouth can be incredibly valuable—ask friends or colleagues for recommendations. Second, online directories and reviews can help you identify top-rated professionals. Transitioning to this step, ensure you verify their qualifications and experience before making a decision. What to Expect from a Tax Accountant Once you've hired a tax accountant, expect them to review your financial documents thoroughly. They will handle the filing process and, in some cases, communicate with tax authorities on your behalf. Additionally, they may offer advice on improving your financial planning for future tax periods. Conclusion Choosing a tax accountant near you simplifies the complex tax process and ensures compliance. Whether you’re an individual or a business owner, hiring a professional accountant is a smart investment that can result in significant long-term savings.

Finding the Right Accounting Firm Near You Choosing the right accounting firm is crucial for managing your financial records and ensuring compliance with regulations. Whether you’re a small business owner or an individual in need of tax services, working with a local accounting firm can provide personalized support and expertise. By finding a firm near you, you can establish a close working relationship and enjoy the convenience of in-person consultations, making it easier to address your specific financial needs. Benefits of Working with a Local Accounting Firm One of the main advantages of working with a local accounting firm is the ability to meet face-to-face. This personal interaction helps build trust and fosters a stronger understanding of your financial situation. Local firms are also more familiar with regional tax laws, regulations, and business practices, allowing them to offer tailored solutions that align with your needs. Additionally, local firms often provide quicker response times and more personalized services compared to larger, national firms, which can be beneficial for small businesses and individuals. Services Offered by Accounting Firms Near You Most local accounting firms provide a wide range of services that cater to both businesses and individuals. These services include bookkeeping, tax preparation, payroll management, auditing, and financial consulting. For businesses, accounting firms offer valuable assistance with tax compliance, budgeting, and cash flow management. Individuals can also benefit from services such as personal tax filing, retirement planning, and estate management. Many firms also offer specialized services tailored to specific industries, ensuring that they meet the unique needs of their clients. How to Choose the Best Local Accounting Firm When searching for the best accounting firm near you, it’s important to consider factors like experience, reputation, and the range of services offered. Start by looking for firms that specialize in your industry or financial needs. Additionally, check reviews and ask for recommendations from local businesses or colleagues. It’s also a good idea to schedule an initial consultation to assess the firm’s approach and ensure it aligns with your financial goals. Conclusion In conclusion, finding the right accounting firm near you can significantly enhance your financial management. By working with a local firm, you benefit from personalized services, in-depth regional knowledge, and a close working relationship. With the right partner, you can ensure that your financial records are accurate, compliant, and aligned with your long-term goals.

Suppose You Were Asked To....?' It would help to give the person a cultural shock by forecasting a change in job profile. For example, if you are interviewing a Chartered Accountant for a senior financial post, ask him, "What if we ask you to head the marketing department in a year's time?" The answer will tell you his ability for 'change management'. The more a person is adaptable to change, the more the benefit for both the parties.

When they destructively branded me as a threat, risk, a brain-damaged person, a mentally-ill person, and a danger: I became the target of their mob lynching and cyber bullying through calumny, defamation, threats, digital aggression, libel and slander. Afterwards, the financial scammer, con, coward, political, financial, habitually abusive harridan in the Land of Windmills, Dykes and Bikes, and her Machiavellian manipulators asked again for help, food, homemade meals, and groceries delivered to her residence, restaurant bills paid, car services, urgent favours and donations. Under the halo of magnetising advocacy, they played their Machiavellian games of manipulations, their video smear campaigns, and global financial, well calculated opportunism in the legal limits but not within the moral limits.” ~ Angelica Hopes, Calunniatopia Book 1 Stronzata Trilogy

The best financial advice I can give to someone who's overwhelmed with their finances is "ask for help!

When you get rid of the estate tax,” he said, “you’re basically handing over command of the country’s resources to people who didn’t earn it. It’s like choosing the 2020 Olympic team by picking the children of all the winners at the 2000 Games.” Before I left, I asked Buffett how many of his fellow billionaires shared his views. He laughed. “I’ll tell you, not very many,” he said. “They have this idea that it’s ‘their money’ and they deserve to keep every penny of it. What they don’t factor in is all the public investment that lets us live the way we do. Take me as an example. I happen to have a talent for allocating capital. But my ability to use that talent is completely dependent on the society I was born into. If I’d been born into a tribe of hunters, this talent of mine would be pretty worthless. I can’t run very fast. I’m not particularly strong. I’d probably end up as some wild animal’s dinner. “But I was lucky enough to be born in a time and place where society values my talent, and gave me a good education to develop that talent, and set up the laws and the financial system to let me do what I love doing—and make a lot of money doing it. The least I can do is help pay for all that.

On November 22nd, 2018, my mother Vernita Lee passed away. I was conflicted about our relationship up until the very end. The truth is, it wasn't until I became successful that my mother started to show more interest in me. I wrestled with the question of how to take care of her - what did I owe the woman who gave me life, The bible says 'honor thy father and mother', but what did that actually mean? I decided one of the ways I could honor her would be to help care for her financially ... but there was never any real connection. I would say that the audience who watched me on television knew me better than my mother did. When her health began to decline a few years ago, I knew I needed to prepare myself for her transition. Just a few days before Thanksgiving my sister Patricia called to tell me she thought it was time. I flew to Milwaukee ... I tried to think of something to say, at one point I even picked up the manual left by the hospice care people. I read their advice thinking the whole time, how sad it was that I, Oprah Winfrey, who had spoken to thousands of people one on one should have to read a hospice manual to figure out what to say to my mother. When it was finally time to leave, something told me it would be the last time I'd ever see her but as I turned to go, the words I needed to say still wouldn't come. All I could muster was 'bye, I'll be seeing you' and I left for, ironically, a speaking engagement. On the flight home the next morning a little voice in my head whispered what I knew in my heart to be true: "you are going to regret this, you haven't finished the work". ... I turned around and went back to Milwaukee. I spent another day in that hot room and still no words came. That night I prayed for help. In the morning I meditated, and as I prepared to leave the bedroom I picked up my phone and noticed the song that was playing - Mahalia Jackson's 'Precious Lord'. If ever there was a sign, this was it. I had no idea how Mahalia Jackson appeared on my playlist. As I listened to the words, Precious Lord, take my hand Lead me on, let me stand. I am tired, I'm weak, I am worn Lead me on to the light, Take my hand, precious Lord And lead me home. I suddenly knew what to do. When I walked into my mothers room I asked if she wanted to hear the song. She nodded, and then I had another idea. I called my friend Wintley Phipps, a preacher and gospel artist, and asked him to sing Precious Lord to my dying mother. Over FaceTime from his kitchen table he sang the song a cappella and then prayed that our family would have no fear, just peace. I could see that my mother was moved. The song and the prayer had created a sort of opening for both of us. I began to talk to her about her life, her dreams, and me. Finally the words were there. I said, "It must have been hard for you, not having an education, not having a skill, not knowing what the future held. When you became pregnant, I'm sure a lot of people told you to get rid of that baby." She nodded. "But you didn't", I said. "And I want to thank you for keeping this baby". I paused, "I know that many times you didn't know what to do. You did the best you knew how to do and that's okay with me. That is okay with me. So you can leave now, knowing that it is well. It is well with my soul. It's been well for a long time." It was a sacred, beautiful moment, one of the proudest of my life. As an adult I'd learned to see my mother through a different lens; not as the mother who didn't care for me, protect me, love me or understand anything about me, but as a young girl still just a child herself; scared, alone, and unequipped to be a loving parent. I had forgiven my mother years earlier for not being the mother I needed, but she didn't know that. And in our last moments together I believe I was able to release her from the shame and the guilt of our past. I came back and I finished the work that needed to be done.

Durstan Reginald McDonald, whom everybody called Dusty. Dusty became one of my most important mentors. Aside from being chaplain, he taught philosophy and had a Ph.D. from the University of Pennsylvania. Probably in his late forties at the time, Dusty was a married father with a crew cut—in other words, a grown-up. Contrary to the iconic proclamation of the ’60s to “never trust anyone over thirty,” Dusty was trusted by every kid on campus, from conscientious objectors to conservative fraternity guys. Dusty helped me arrive at answers in the way a good chaplain does: He listened, asked questions, and maybe made a few suggestions. He never made a conclusion for you, instead helping light the way as you eked out your own path. We had one particularly influential conversation on an airplane, on our way to a student conference. I was still considering law school but starting to think more and more about ordination. I told Dusty about my father’s financial struggles. “I’ve seen what that’s like. I don’t need to be rich, but maybe I could go to law school and make some money and do good at the same time,” I said. “It’s true, you don’t get rich by being ordained,” he said. “But you’ll never starve, either. Your family will have enough to get by.” Thinking about my own family again, I realized that even under extreme circumstances, it was true. In the worst crises, we never starved, or even wanted. “You have to ask yourself what you want out of life. If it isn’t money, then maybe having enough is enough.” This conversation helped me get much clearer on myself. It wasn’t my dream to be rich. I knew I wanted to work for a better world. But should it be through law or public administration, or in the church? I meditated and prayed on that question, and I always felt myself coming back to my grandma.

- A specific working strategy (How we will reach them) - Finance (How much it will cost to reach them) and - Facilities (Where we will reach them) STRATEGY IMPLEMENTATION It answers the questions: where do we begin, when, and with whom? This step involves determining specific action steps, deciding our priorities, setting deadlines and allocating tasks. MINISTRY CONTINGENCIES This process answers the question: How will we handle pleasant and not so pleasant surprises that could affect the strategy? Churches need to prepare for contingencies both harmful and helpful. Potentially harmful contingencies are: heart attack during the service, a mentally deranged person worshiping with us, an accusation of 419 or sexual molestation against a minister, an HIV/AID baby in the children church, an epileptic patient in the teens church. Pleasant surprises like: large financial donations, visit of a celebrity, General overseer, a revival etc. Even the smallest contingency, helpful or harmful, if handled poorly, could ultimately hurt the growth of a church MINISTRY EVALUATION It asks the question, How are we doing? Churches that do not evaluate what they are doing and the people doing it, will struggle to improve. What gets evaluated gets done, and usually gets done well.

If you choose to try to make a life with another person, you will live by that choice. You'd find yourself having to choose again and again to remain rather than run. It helps if you enter into a committed relationship prepared to work, ready to be humbled and willing to accept and even enjoy living in that in-between space, bouncing between the poles of beautiful and horrible, sometimes in the span of a single conversation, sometimes over the course of years. And inside of that choice and those years you'll almost certainly come to see that there is no such thing as a 50-50 balance, instead it will be like beads on an abacus, sliding back and forth, the maths rarely tidy, the equation never quite solved. ....A relationship is dynamic this way, full of change always evolving. At no point will both of you feel like things are perfectly fair and equal, someone will always be adjusting, someone will always be sacrificing, one person may be up while the other is down. One might bear more of the financial pressures while the other bears caregiving and family obligations. Those choices and the stresses that go along with them are real. I've come to realized though that life happens in seasons. Your fulfillment in love, family and career rarely happens all at once. In a strong partnership both people will take turns at compromise building a shared sense of home together, there in the in-between, regardless of how wildly and deeply in love you are, you will be asked to onboard a lot of your partners foibles, you will be required to ignore all minor irritations and a few major ones too...

Everything You Need to Do Freelancing One must possess some basic skills to do freelancing work. For example, a good computer, internet, and browsing should be well understood. Freelancing work is mostly hired by foreign buyers. In that case, you must have English speaking skills, know how to write good English while chatting, and keep practicing speaking English regularly. How to Get Work at Freelancing? Freelancing means being contracted to other people or companies and working as a contract. To do this, you need to have some special creativity in freelancing, which you can sell to clients as a service. How You Can Get Work: First, you need to select a freelancing platform from which you want to work. Decide in which category you want to make your career. Then open an account there, add your portfolio, and post it through a blog. Then start promoting your freelancing skills and talent. You can also get work by promoting your skills on Linkedin, Pinterest, and Twitter. Search for jobs based on your skills on various job forums (Upwork, Fiverr) and others. By doing these above tasks, you will get a job according to your needs, InshaAllah. Some Principles to Be a Good Freelancer: Time-sharing: You can create a timetable for when you will do a task. For example – You can keep morning time for various practices, afternoon time for study or other research, and night time for work. It will reduce the pressure on you. Eat meals on time: Never have irregular meals, if you do you will get sick very soon. And if you get sick, you can't work. As a result, you will suffer both physically and financially. So eat food on time. And remember, "Food first then Work". Don't Embrace Loneliness: People who are freelancing have to be alone most of the time. As a result, they cannot give time to everyone and become lonely. But you should never make this mistake. You will find time for yourself outside of your work to spend time gossiping with family or friends. How to Increase Your Workload: Increase work efficiency, and present the nature of work attractively and accurately. Quality of work will help you get additional work. Keeping the client happy at work is paramount. If you want, you can provide a little more service than the client asked to do without any charge. And can request you to give a 5-star rating. Clients may be happy with you for additional services and offer more work. Never overprice your work or service unless you are a popular freelancer in the marketplace. Please visit Our Website (Bhairab IT Zone) to Read more Articles related to Freelancing and Outsourcing. Thank You.

I enjoy my Picassos,” he says with a glint in his eye, “and, unlike some, I have never had to sell to pay the fines.” I ask about his recreational interests and for once he looks uncertain. His eyes scan the room for inspiration, or perhaps help from his PR adviser. His gaze eventually rests on a landscape painting. “I shoot sheep,” he declares darkly. With that he stands up, baring his teeth in a maniacal grin. “I really have taken up far too much of your time.” He leaves before the bill arrives. When it comes, like many former clients, I am left grappling with the awful financial consequences of my encounter with the Greedspin banker.

Hi Celestials Here is a Topic Why do some guys derive joy in spending huge amount of money buying free drinks, for their friends, but can't help or support them? A very sensitive question I couldn't ignore. I've seen this questions in couple of places and now it has been directed specifically to me. I 'm sure you must have come across this scenario or probably been a victim. Someone you've known for long, a childhood friend or colleague hits the jackpot. He excitedly called for celebration, spending a fortune on foods and drinks. Intact he's ready to close down the restaurant that night, but behind close doors, you've been asking him for a little financial assistance to boost your business or start up something, but he keeps giving excuses. After having so much thoughts about this, I only came up with one conclusion. And that is the fact life is partly competition, at least that is how some folks views it. The bitter truth is that Nobody wants you to be greater than they are except your parents. Everybody wants to be ahead. I call them dream wreckers. They would rather watch your dream die, than assist you. They prefer receiving accolades in public for feeding the whole community with foods and beer, than changing someone's destiny. Because it boost their Ego. Depend on them at your own peril. That's why bible said that you need to be pitied if you still put your hopes on mere mortal. You will be shocked by the high level of disappointment. Just be focused, persistent, and do the little you within your reach, then pray for grace. When the time comes, your destiny helper will locate you, and you will know he's the one because he won't feel burdened assisting you.

Han de Reizeger. It must be a comfort to you that he was so very old. And had he not lived a full and adventurous life? And did he not die traveling the world as he had always hoped he would? If only everyone could be so lucky! I do regret the financial troubles mentioned in your last letter, Anki, but I cannot help you. I realize you’ve not gone so far as to ask openly for my help, but I thought the request implicit in your letter, and I am sorry to refuse it. As you should know, my own precarious situation prevents me. I scarcely have enough to pay rent, nor have I ever since Thiedric died these many years ago. But

People who publicly struggle with work-life balance problems or continually turn to the company for help get pigeonholed as ambivalent, entitled or incompetent—or all of the above. Rarely do people in the top 20% of any organization complain about work-life balance. At home, as at work, they’re so competent that they’ve figured out and implemented sustainable solutions. Below-average performers, by contrast, have three strikes against them. First, they tend to be less expert at organizing their time and sorting through priorities, not just at work, but at home. Second, because of their middling performance, these people have been told they have limited chances of advancement. That lowers their self-confidence and raises their ambivalence. And finally, they’re not as financially secure as people in the top 20, giving them fewer resources to buy work-life balance with nannies or personal trainers or whatever. Put all three dynamics together, and it’s no wonder underperformers struggle publicly with work-life dilemmas and ask for help so often.

If you choose to try to make a life with another person, you will live by that choice. You'd find yourself having to choose again and again to remain rather than run. It helps if you enter into a committed relationship prepared to work, ready to be humbled and willing to accept and even enjoy living in that in-between space, bouncing between the poles of beautiful and horrible, sometimes in the span of a single conversation, sometimes over the course of years. And inside of that choice and those years you'll almost certainly come to see that there is no such thing as a 50-50 balance, instead it will be like beads on an abacus, sliding back and forth, the maths rarely tidy, the equation never quite solved. ....A relationship is dynamic this way, full of change always evolving. At no point will both of you feel like things are perfectly fair and equal, someone will always be adjusting, someone will always be sacrificing, one person may be up while the other is down. One might bear more of the financial pressures while the other bears caregiving and family obligations. Those choices and the stresses that go along with them are real. I've come to realized though that life happens in seasons. Your fulfillment in love, family and career rarely happens all at once. In a strong partnership both people will take turns at compromise building a shared sense of home together, there in the in-between, regardless of how wildly and deeply in love you are, you will be asked to onboard a lot of your partners foibles, you will be required to ignore all minor irritations and a few major ones too...

What if every company strategised around a Doughnut table, asking itself: is our brand a Doughnut brand, whose core business helps to bring humanity into that safe and just space? Imagine if the G20 finance ministers—representing the world’s most powerful economies—met around a Doughnut-shaped conference table to discuss how to design a global financial system that served to bring humanity into that sweet spot. These would be world-changing conversations.

Build Trust “We don’t build trust when we offer help. We build trust when we ask for it.” Simon Sinek

That message got through to Jobs. Jobs had a role in the system—he was a brilliant deal-maker and financier. It was Jobs, for example, who insisted on timing the Pixar IPO with the Toy Story release, and Jobs who negotiated the Pixar deals with Disney. But he was asked to stay out of the early feedback loop on films. The gravity of his presence could crush the delicate candor needed to nurture early-stage, fragile projects. On those occasions he was invited to help near-finished films, Jobs would preface his remarks: “I’m not a filmmaker. You can ignore everything I say.” Jobs had learned to mind the system, not manage the project.

Jenna, you are halfway to freedom from Wayne. A few more months and you can hand him back to us, and not have to deal with him anymore. If you launch this business with him, you are locked in, day in and day out, for a minimum of four or five years. And really, can you imagine him really helping at these events? I just see him knocking over ice sculptures, and tipping over cakes, and generally being a bull in the china shop everywhere he goes. A bull on steroids. With an inner ear imbalance. On roller skates." "Enough, lawdouche, she gets it." "I know. But again, Wayne is pretty clear that his area here would be identifying and helping land clients, and consulting on thematic details and event brainstorming, and keeping up with all industry aspects of the target market." "You mean going to movies, reading comics, and playing video games." "Yep, something like that." "You can't really be thinking you are going to do this." "I can be thinking that. And I'm pretty sure that the only opinion I asked you for on this was legal ramifications and financial obligations. I don't really care about your personal opinions." "Well, that hurts my feelings, because I still care about you on a personal level, and I think this is a huge mistake for you personally." I wait for my heart to race, for the sweats to start, for my colon to twist itself into a pretzel. And when none of that happens, I look at Brian. "I think, that being the case, that perhaps you ought to speak to your partners about who might be the best attorney to work with me moving forward." "You're firing me? Because I care about you?" "I'm firing you because I need an attorney who is less personally interested in the decisions I make. I'm a big girl, and I have a dad. And clearly, this is no longer a good fit. I'll appreciate a call from the other partners by the end of the week with a plan that I can review." "Seriously, I feel like you've completely lost your mind!" "Careful, Brian. At the moment, I'm asking you be removed from my account. However uncomfortable that may be for you with your partners, I assume you would rather that, than having to explain why I'm leaving the firm entirely. And I will be advising Wayne to shift to the same person I am with, obviously, for convenience." His chiseled jaw snaps shut, and while I can see a dozen retorts on the tip of his tongue, he doesn't speak. "Thank you. I'll review this further, and will discuss my decision with my new attorney. You'll get formal word from Wayne on his choice soon, I'm sure.

Case #6 Sandy and Bob Bob is a successful dentist in his community. In the 15 years since he established his own practice, he has established a reliable base of patients and has built a thriving business in a great location. A couple years ago, he brought his wife, Sandy, a business expert with an MBA, on board to help him oversee the business end of the dental practice. She had recently left her job at a financial services firm, and Bob knew that Sandy’s business acumen would be helpful in getting his administrative house in order. She brought on new employees, developed effective new processes, and enhanced the office’s marketing efforts. Within a few months, Sandy’s improvements had managed to make the dental practice a well-oiled machine. Now she could turn her attention to their real estate portfolio. Bob and Sandy owned three small apartment buildings around town, as well as one small commercial center that was home to a nail salon, a chiropractor’s office, a coffee house and a wine shop. Fortunately, Bob’s dental practice was a success and their investments earned a nice passive income for them. Unfortunately, because Bob earned on average $250,000 per year, the couple couldn’t use passive loss, which in their case came to about $100,000, from their investments to offset his high earned income. Eventually, they would be earning sheltered profits—when the mortgages on their properties were paid off and the rentals made pure profit, or if they were to sell a property. When those things eventually happened, they could use their losses to shelter those profits. But until that time, the losses were going unused. Sandy made an appointment with their CPA to discuss the situation and see how they might improve their tax situation. The CPA asked, “What about becoming a real estate professional?” He explained to Sandy that if she spent 750 hours per year, or about 15 hours a week, on the couple’s real estate investments, she would be considered a real estate professional by the IRS. This would enable the couple to write off 100 percent of their passive losses against Bob’s high income, which would bring his taxable income down to $100,000. This $100,000 deduction brought Bob and Sandy into a lower tax bracket, saving them roughly $31,000 in taxes. Sandy already devoted a large percentage of her time to overseeing their investments, and when she saw the tax advantages, her decision became clear: She would file the Section 469(c)(7) and become a real estate professional.

In the past year, a book and a study were published that gave me insight into finding a better way. The study was “Anatomy of the Referral” by Julie Littlechild.5 In her survey of clients of financial advisors, she discovered that practically everyone who answered the question indicated that they were responding to the need of a friend. And, essentially, no one reported that it was because their advisor asked for it. This proved to me that asking is not the natural way referrals happen. The book was The Referral Engine, by John Jantsch.6 In it, Jantsch lays out how referrals happen, why we refer, and a host of ideas on how to stimulate referrals. With these ideas in hand, I did a lot more research on strategies that proved effective in attracting referrals. I incorporated these ideas into my work with financial advisors. The book you are holding is the product of what I have learned and what I have helped advisors to put into action. In her studies “The Economics of Loyalty” and “Anatomy of the Referral,” Julie Littlechild demonstrates that receiving referrals from clients has little statistical relationship to how or how often clients are asked. There is simply no clear straight line between asking clients for referrals the way we have been traditionally trained to do it and the best referrals you actually receive. In her survey of more than 1,000 clients who use financial advisors, one of the questions Littlechild asked was, “What were the circumstances of the last referral you gave to your advisor?

In the past year, a book and a study were published that gave me insight into finding a better way. The study was “Anatomy of the Referral” by Julie Littlechild.5 In her survey of clients of financial advisors, she discovered that practically everyone who answered the question indicated that they were responding to the need of a friend. And, essentially, no one reported that it was because their advisor asked for it. This proved to me that asking is not the natural way referrals happen. The book was The Referral Engine, by John Jantsch.6 In it, Jantsch lays out how referrals happen, why we refer, and a host of ideas on how to stimulate referrals. With these ideas in hand, I did a lot more research on strategies that proved effective in attracting referrals. I incorporated these ideas into my work with financial advisors. The book you are holding is the product of what I have learned and what I have helped advisors to put into action. In her studies “The Economics of Loyalty” and “Anatomy of the Referral,” Julie Littlechild demonstrates that receiving referrals from clients has little statistical relationship to how or how often clients are asked. There is simply no clear straight line between asking clients for referrals the way we have been traditionally trained to do it and the best referrals you actually receive.

In her survey of more than 1,000 clients who use financial advisors, one of the questions Littlechild asked was, “What were the circumstances of the last referral you gave to your advisor?” Half of the people said that they were asked specifically by a friend to recommend a financial advisor. Over half the people communicated some financial need for which the person knew his financial advisor had a solution. And how many people said that the circumstance of their last referral was that the advisor asked for it? Two percent, which is statistically equivalent to zero. Essentially no one gave a referral because the advisor asked for it. They gave a referral because their friend expressed a need, and they wanted to help (Figure 1.1). Most referral programs reflect a hunter mentality. We must go out and stalk and capture the referral. How do you suppose the prey feels in this relationship?

What we need is for clients to recall us when the opportunity to refer arises—and to mention us. We can build a strategy to help increase the odds that this will happen at those moments of truth. We can pursue a strategy to generate referrals without being in constant control of each referral, made when the time is right, for reasons that benefit the client if we understand the principles. In order to do this, we first need to understand how referrals happen.

In Hollywood today, the simple truth is that there are two types of movie studios: Disney, and those that wish they were Disney. Understanding why studios have turned so aggressively toward franchises, sequels, and superheroes and away from originality, risks, and mid-budget dramas takes more than an appreciation for the financial pressures faced by executives like Michael Lynton and Amy Pascal. Just as Olympic swimmers can’t help but pace themselves against Michael Phelps, Sony and its competitors have for years been jealous of and frustrated by Disney. Hollywood is a herd industry. Its executives are constantly looking out the side window or at the rearview mirror and asking, “Why aren’t we doing that?” For those peering at Disney, that means slashing the number of movies made per year by two-thirds. It also means largely abandoning any type of film that costs less than $100 million, is based on an original idea, or appeals to any group smaller than all the moviegoers around the globe. Disney doesn’t make dramas for adults. It doesn’t make thrillers. It doesn’t make romantic comedies. It doesn’t make bawdy comedies. It doesn’t make horror movies. It doesn’t make star vehicles. It doesn’t adapt novels. It doesn’t buy original scripts. It doesn’t buy anything at film festivals. It doesn’t make anything political or controversial. It doesn’t make anything with an R-rating. It doesn’t give award-winning directors like Alfonso Cuarón or Christopher Nolan wide latitude to pursue their visions.

The third chakra is in our area of the stomach, and is called the Nabhi. This chakra represents satisfaction, equilibrium, morality, generosity and evolving ability. The ruling planet is Jupiter-just like the Sagittarius sign. Jupiter has an aristocratic, generous, helpful and virtuous nature. This brings wealth and it improves all-good as well as evil. It is good luck planet. That planet governs our financial wealth. Our third chakra gives us both spiritual and material well-being. A good nabhi chakra makes us feel satisfied with what we have, and when necessary, helps us be very generous. The third chakra is like a two door house. Wealth enters through one door and spreads out from the other, thus the cycle continues. The universal energy gives us everything we need and we are not asking for more. Jupiter represents an imbalanced and unsure personality when it works poorly. The individual in his thoughts may engage in fanaticism and bigotry, to the point of tyranny. Before thought, he could incur debt and borrow. Such an energy would make a person look for luxury too. Jupiter governs justice, honesty, philosophy and religion. By birth it can make a human being moral, virtuous and honest. These qualities too are represented by our nabhi chakra. As this chakra develops, we manifest greater sense of justice and higher human virtues. They are looking for spiritual evolution, and ways of becoming better people.

The question I’m always asked when I tell our story about getting out and staying out of debt is “How did you do it?” And my answer is always “We changed our attitudes toward money.” An attitude is a disposition, orientation, or mental or emotional outlook on something.[2] As Marco and I changed our outlook about money, we were able to make decisions consistent with our goals. Prior to that, we said we wanted financial success and stability, but our actions didn’t line up with what we said.

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If your needs are not attainable through safe instruments, the solution is not to increase the rate of return by upping the level of risk. Instead, goals may be revised, savings increased, or income boosted through added years of work. . . . Somebody has to care about the consequences if uncertainty is to be understood as risk. . . . As we’ve seen, the chances of loss do decline over time, but this hardly means that the odds are zero, or negligible, just because the horizon is long. . . . In fact, even though the odds of loss do fall over long periods, the size of potential losses gets larger, not smaller, over time. . . . The message to emerge from all this hype has been inescapable: In the long run, the stock market can only go up. Its ascent is inexorable and predictable. Long-term stock returns are seen as near certain while risks appear minimal, and only temporary. And the messaging has been effective: The familiar market propositions come across as bedrock fact. For the most part, the public views them as scientific truth, although this is hardly the case. It may surprise you, but all this confidence is rather new. Prevailing attitudes and behavior before the early 1980s were different. Fewer people owned stocks then, and the general popular attitude to buying stocks was wariness, not ebullience or complacency. . . . Unfortunately, the American public’s embrace of stocks is not at all related to the spread of sound knowledge. It’s useful to consider how the transition actually evolved—because the real story resists a triumphalist interpretation. . . . Excessive optimism helps explain the popularity of the stocks-for-the-long-run doctrine. The pseudo-factual statement that stocks always succeed in the long run provides an overconfident investor with more grist for the optimistic mill. . . . Speaking with the editors of Forbes.com in 2002, Kahneman explained: “When you are making a decision whether or not to go for something,” he said, “my guess is that knowing the odds won’t hurt you, if you’re brave. But when you are executing, not to be asking yourself at every moment in time whether you will succeed or not is certainly a good thing. . . . In many cases, what looks like risk-taking is not courage at all, it’s just unrealistic optimism. Courage is willingness to take the risk once you know the odds. Optimistic overconfidence means you are taking the risk because you don’t know the odds. It’s a big difference.” Optimism can be a great motivator. It helps especially when it comes to implementing plans. Although optimism is healthy, however, it’s not always appropriate. You would not want rose-colored glasses in a financial advisor, for instance. . . . Over the long haul, the more you are exposed to danger, the more likely it is to catch up with you. The odds don’t exactly add, but they do accumulate. . . . Yet, overriding this instinctive understanding, the prevailing investment dogma has argued just the reverse. The creed that stocks grow steadily safer over time has managed to trump our common-sense assumption by appealing to a different set of homespun precepts. Chief among these is a flawed surmise that, with the passage of time, downward fluctuations are balanced out by compensatory upward swings. Many people believe that each step backward will be offset by more than one step forward. The assumption is that you can own all the upside and none of the downside just by sticking around. . . . If you find yourself rejecting safe investments because they are not profitable enough, you are asking the wrong questions. If you spurn insurance simply because the premiums put a crimp in your returns, you may be destined for disappointment—and possibly loss.

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Meadows also received a text on December 20, 2020, from Mike Lindell, a mustachioed, self-described former crack addict who’d made a fortune as CEO of the bedding company My Pillow. Lindell, who was an infomercial star, major Trump rally fixture, and financial backer of various protests against the former president’s loss, implored Meadows to have federal agents seize voting machines in key states. He was famous for wearing a large cross necklace and his message was an overheated blend of Christian prayer and internet insanity. “Hey Mark, I felt I was suppose to text you this message … You being a man a faith and on the front line of the decisions that are going to be historical! I would ask that you pray for wisdom and discernment from God! You are one of the people the president trusts the most. That being said I want to add my input.… Everything Sidney has said is true!” Lindell wrote. “We have to get the machines and everything we already have proves the President won by millions of votes! I have read and not validated yet that you and others talked him out of seizing them … If true . I pray it is part of a bigger plan … I am grateful that on the night of the election the algorithms of the corrupt machines broke and they realized our president would win in spite of the historical fraud! I look for deviations every day in my business … when I find one I investigate relentlessly until I know why it happened and how it happened … (this is my gift from God that has made my business so successful) From 11:15 pm on the night of the election I have spent all my time running impossible deviations and numbers from this election … I also was blessed to be able to get info and help Sidney Lin General Flynn and everyone else out there gathering all the massive evidence! I have been sickened by politicians (especially republicans) judges, the media not wanting to see truth (no matter what the truth would be!) This is the biggest cover up of one of the worst crimes in history! I have spent over a million$to help uncover this fraud and used my platform so people can get the word not to give up! The people on both sides have to see the truth and when they do.… There will not be no civil war, people (including politicians!) are fearing! The only thing any of us should fear is fear of the Lord! Every person on this planet needs to know the truth and see the evidence!!! Mark . God has his hand in all of this and has put you on the front line … I will continue praying for you to have great wisdom and discernment! Blessings Mike.” Meadows seemed grateful

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[Dial*1*833*742*9500||How to Fix QuickBooks Desktop Doesn't Start after update? QuickBooks Desktop is a widely used accounting software that helps businesses manage their finances efficiently. However, users may occasionally encounter issues where QuickBooks Desktop fails to start. This can be frustrating, especially when you need to access your financial data urgently. In this guide, we’ll explore the causes of this issue and provide step-by-step solutions to resolve it. We’ll also address some frequently asked questions to help you better understand the problem. Why Doesn’t QuickBooks Desktop Start? Several factors can prevent QuickBooks Desktop from starting: Damaged Company File: A corrupted or damaged company file can prevent QuickBooks from launching. Outdated QuickBooks Version: Using an outdated version of QuickBooks may cause compatibility issues. Windows Compatibility Issues: QuickBooks may not start if it’s not compatible with your version of Windows. Damaged QuickBooks Installation: A corrupted or incomplete installation can cause startup issues. Conflicting Software: Antivirus or firewall software may block QuickBooks from starting. Network Issues: If you’re using QuickBooks in multi-user mode, network problems can prevent it from starting. Frequently Asked Questions (Q&A) Q1: Why doesn’t QuickBooks Desktop start? A: This could be due to a damaged company file, outdated QuickBooks version, or conflicting software. Follow the troubleshooting steps above to resolve the issue. Q2: How do I run QuickBooks as an administrator? A: Right-click on the QuickBooks Desktop shortcut and select Run as Administrator. Q3: Can antivirus software prevent QuickBooks from starting? A: Yes, antivirus or firewall software may block QuickBooks. Temporarily disable them and try launching QuickBooks again. Q4: How do I update QuickBooks Desktop? A: Go to Help > Update QuickBooks Desktop and click on Update Now. Q5: What is the QuickBooks Install Diagnostic Tool? A: It’s a tool provided by Intuit to fix installation-related issues in QuickBooks. Q6: How do I fix a damaged company file? A: Use the Verify Data and Rebuild Data utilities under File > Utilities to fix a damaged company file. Q7: How do I reinstall QuickBooks? A: Uninstall QuickBooks, delete remaining folders, restart your computer, and install QuickBooks using a new installer. Q8: What should I do if QuickBooks is not compatible with my version of Windows? A: Upgrade to a compatible version of Windows or use a different computer that meets QuickBooks’ system requirements. Q9: What is the QuickBooks Component Repair Tool? A: It’s a tool provided by Intuit to fix issues with QuickBooks components. Q10: What should I do if none of the solutions work? A: Contact QuickBooks support for professional assistance. Preventive Measures to Avoid QuickBooks Desktop Startup Issues Keep QuickBooks Updated: Regularly check for and install updates to avoid compatibility issues. Maintain a Backup: Regularly back up your company file to prevent data loss. Use Reliable Antivirus Software: Ensure your antivirus software doesn’t interfere with QuickBooks. Check System Requirements: Ensure your computer meets QuickBooks’ system requirements. Monitor Network Connectivity: If you’re using QuickBooks in multi-user mode, ensure your network is stable.

{Dial.1.833.742.9500} How do i upgrade my quickbooks desktop to latest version windows after new updates? Upgrading your QuickBooks Desktop to the latest version is essential for businesses that want to stay compliant with tax laws, improve performance, and gain access to the newest features and security updates. Whether you’re using QuickBooks Pro, Premier, or Enterprise, upgrading to the latest version ensures you’re maximizing the potential of the software. Upgrading QuickBooks Desktop on a Windows PC is a relatively simple process, but it involves careful preparation and some key steps. This guide will walk you through the process step-by-step and address some frequently asked questions about upgrading QuickBooks on Windows. Why Upgrade to the Latest Version of QuickBooks Desktop? Before we dive into the upgrade process, let’s first explore why you should upgrade QuickBooks Desktop: Access to New Features: Each new version of QuickBooks includes new features that can help streamline your accounting processes. These might include improved reporting, automated workflows, new tax tools, and integrations with third-party applications. Tax Table Updates: QuickBooks regularly updates tax tables to comply with the latest tax laws. This ensures that your payroll and other tax-related calculations are accurate and up-to-date. Security Enhancements: New versions of QuickBooks are equipped with security patches that protect your sensitive financial data from potential vulnerabilities. By upgrading, you ensure that your data is secure. Improved Performance: Each version is optimized to run more efficiently, with better speed and stability. This can significantly improve the overall experience when using QuickBooks. Customer Support: QuickBooks only provides customer support for the latest versions. If you're using an outdated version, you may not be eligible for technical support. Step-by-Step Guide: How to Upgrade QuickBooks Desktop to the Latest Version on Windows Step 1: Check Your System Requirements Before upgrading to the latest version of QuickBooks, you should first ensure that your system meets the necessary hardware and software requirements for the new version. QuickBooks has specific system requirements depending on the version you’re upgrading to. Operating System: Check if your Windows version is compatible with the latest QuickBooks version. QuickBooks 2024, for instance, may have different requirements compared to older versions. RAM and Processor: Verify that your computer has enough RAM and a compatible processor to run the latest QuickBooks version effectively. Generally, QuickBooks requires at least 4 GB of RAM for optimal performance. Disk Space: Ensure that you have enough free space on your hard drive to install the new version. QuickBooks typically requires 2.5 GB of free disk space or more. Check the official QuickBooks System Requirements page for up-to-date information on system requirements for your specific version. Step 2: Back Up Your QuickBooks Company File It’s essential to back up your company files before upgrading QuickBooks to ensure that you don't lose any critical financial data. If something goes wrong during the upgrade, you can restore your data from the backup. To back up your company file: Open QuickBooks Desktop and log into your company file. From the File menu, select Back Up Company, then click on Create Local Backup. Follow the prompts to back up the file to a secure location (e.g., an external hard drive or cloud storage). Make sure you create a backup of both your company file and your QuickBooks data. This precaution helps avoid data corruption or loss if the upgrade process encounters issues. Step 3: Determine Your Upgrade Path If you're upgrading from an older version of QuickBooks (e.g., QuickBooks 2017 or 2018), you may need to go through intermediate versions before reaching the latest one.

{Dial.1.833.742.9500} How to Update QuickBooks Desktop to the Latest Release after updates? Q & A: Updating QuickBooks Desktop to the Latest Release QuickBooks Desktop is a popular accounting software used by small businesses to manage their finances. Regular updates are important to ensure that users have access to the latest features, security patches, and bug fixes. Updating to the latest release helps improve the performance of QuickBooks and keeps the software in line with evolving financial and regulatory requirements. Here’s a comprehensive guide, including frequently asked questions (Q & A), to help you update QuickBooks Desktop to the latest release. Frequently Asked Questions (Q & A) Q1: How do I know if there is an update available for QuickBooks Desktop? A1: To check if an update is available for QuickBooks Desktop, you can use the steps mentioned earlier to open the "Update QuickBooks" window. If an update is available, QuickBooks will automatically detect it. You can also check the QuickBooks website or subscribe to email notifications from Intuit to stay informed about the latest updates. Q2: Can I update QuickBooks Desktop manually? A2: Yes, you can manually download and install updates for QuickBooks Desktop. Visit the official QuickBooks website and navigate to the "Downloads & Updates" section. Choose your version of QuickBooks Desktop and download the latest update file. After the download is complete, follow the on-screen instructions to install the update. Q3: What if my QuickBooks Desktop is not updating? A3: If QuickBooks Desktop isn't updating, there are several potential reasons: Internet connection issues: Ensure that your internet connection is stable. Firewall or antivirus software: Sometimes, security software may block QuickBooks from connecting to the update servers. Temporarily disable your firewall or antivirus software and try updating again. QuickBooks version: If you're using an outdated version of QuickBooks, it may no longer be compatible with the latest updates. You might need to upgrade to a more recent version. Admin privileges: Make sure you have administrative privileges on your computer to perform the update. Q4: How often should I update QuickBooks Desktop? A4: It’s recommended to update QuickBooks Desktop regularly to ensure you're getting the latest features and security patches. Most businesses update QuickBooks as soon as a new release is available to keep their software functioning optimally. However, at a minimum, QuickBooks should be updated once a month or whenever a new critical update is released. Q5: Can I still use QuickBooks if I don’t update to the latest release? A5: You can continue to use QuickBooks without updating it; however, you may face certain limitations: Security risks: Without updates, your system may become vulnerable to security threats. Performance issues: Older versions may experience bugs or inefficiencies that can slow down your business operations. Lack of support: If you encounter issues with an outdated version, Intuit may not offer support for older versions, leaving you without assistance. Compliance risks: If your version is outdated, you might not have access to the latest tax rules and other regulatory updates. Q6: Will updating QuickBooks affect my company files? A6: No, updating QuickBooks Desktop does not affect your company files. QuickBooks updates apply only to the software itself, not your data. However, after updating, QuickBooks might prompt you to update your company file if it’s been upgraded to a new version of the software. Always make sure to back up your company files before updating to ensure that you can restore them if needed. Q7: Can I update QuickBooks Desktop without an internet connection? A7: No, updating QuickBooks requires an internet connection to download the latest updates.

[Dial 833.742.9500] How to Install and set up QuickBooks Desktop for Mac after new updates? Installing and Setting Up QuickBooks Desktop for Mac: Complete Guide QuickBooks Desktop for Mac offers a comprehensive accounting solution designed specifically for Apple users. This guide walks you through the entire installation and setup process, helping you get your financial management system up and running quickly. System Requirements and Preparation Q: What are the system requirements for the latest QuickBooks Desktop for Mac? A: The latest version of QuickBooks Desktop for Mac typically requires: macOS 11 (Big Sur) or newer At least 4GB of RAM (8GB recommended) 2.4 GHz processor or faster 2GB of disk space (additional space for company files) Internet connection for activation, updates, and online features Display resolution of 1280 x 800 or higher Always check Intuit's website for the most current requirements, as they update with each new release. Q: Should I close any applications before installing QuickBooks for Mac? A: Yes, before beginning installation: Close all applications, especially other financial software Ensure you have administrator access to your Mac Disable sleep mode to prevent interruptions Back up any existing financial data Temporarily disable antivirus software Ensure you have a stable internet connection Purchasing and Downloading Q: What's the best way to purchase QuickBooks Desktop for Mac? A: You have several options: Purchase directly from the Intuit website to ensure you get the latest version Buy from authorized retailers like Apple Store, Amazon, or Best Buy Purchase through a certified QuickBooks ProAdvisor who may offer discounts Consider subscribing to get automatic updates rather than buying outright Q: After purchasing, how do I download QuickBooks Desktop for Mac? A: Follow these steps: Log in to your Intuit account at accounts.intuit.com Navigate to "Your Products and Services" Find QuickBooks Desktop for Mac in your purchases Click "Download" and save the .dmg file to a location you can easily access Wait for the download to complete (file size is typically 1-2GB) If you purchased a physical copy, insert the installation disc and proceed to the installation section. Installation Process Q: How do I install QuickBooks Desktop for Mac once I've downloaded it? A: Complete installation with these steps: Locate and double-click the downloaded .dmg file When the installation window appears, drag the QuickBooks icon to the Applications folder Enter your Mac administrator password if prompted Wait for the copying process to complete Eject the installation disk image Navigate to your Applications folder and double-click the QuickBooks icon Accept the software license agreement Enter your license and product numbers when prompted Complete registration when asked.