Wise Budgeting Quotes

The practice of thrift is not outdated. We must discipline ourselves to live within our incomes even if it means going without or making do. The wise person can distinguish...between basic needs and extravagant wants. Some find budgeting extremely painful, but I promise you, it is never fatal.

Basic stewardship of resources for married couples who are believers centers around understanding and practicing two fundamental financial principles: tithing and budgeting. Herein lie the seeds of dominion—the secrets of fruitfulness, increase, and filling. Tithing recognizes God as the source of our resources while budgeting recognizes our responsibility to God to manage those resources wisely.

* Be ready for rainy-day emergencies * Avoid excessive debt; be content with what we have * Use the resources of the earth wisely; don´t be wasteful * Prepare for the future by making spending and savings plans * Keep a family or personal budget * Teach children wise spending habits and help them save for the future * Obtain an education or vocational training * Find gainful employment As we become self-reliant, we will be prepared to face challenges with confidence and peace of mind.

Balanced service is a virtue to be cherished. There is to be time in our life to serve God, to serve our family, to serve our country and community, to serve our employer. Wise persons budget available time so that no significant area of one's life falls into a state of neglect.

Finance people should remember Albert Einstein’s wise words: “Not everything that counts can be counted, and not everything that can be counted counts.

LABOR IS A RESOURCE and TIME IS A RESOURCE are by no means universal. They emerged naturally in our culture because of the way we view work, our passion for quantification, and our obsession with purposeful ends. These metaphors highlight those aspects of labor and time that are centrally important in our culture. In doing this, they also deemphasize or hide certain aspects of labor and time. We can see what both metaphors hide by examining what they focus on. In viewing labor as a kind of activity, the metaphor assumes that labor can be clearly identified and distinguished from things that are not labor. It makes the assumptions that we can tell work from play and productive activity from nonproductive activity. These assumptions obviously fail to fit reality much of the time, except perhaps on assembly lines, chain gangs, etc. The view of labor as merely a kind of activity, independent of who performs it, how he experiences it, and what it means in his life, hides the issues of whether the work is personally meaningful, satisfying, and humane. The quantification of labor in terms of time, together with the view of time as serving a purposeful end, induces a notion of LEISURE TIME, which is parallel to the concept LABOR TIME. In a society like ours, where inactivity is not considered a purposeful end, a whole industry devoted to leisure activity has evolved. As a result, LEISURE TIME becomes a RESOURCE too—to be spent productively, used wisely, saved up, budgeted, wasted, lost, etc. What is hidden by the RESOURCE metaphors for labor and time is the way our concepts of LABOR and TIME affect our concept of LEISURE, turning it into something remarkably like LABOR. The RESOURCE metaphors for labor and time hide all sorts of possible conceptions of labor and time that exist in other cultures and in some subcultures of our own society: the idea that work can be play, that inactivity can be productive, that much of what we classify as LABOR serves either no clear purpose or no worthwhile purpose.

[...] Nor were the boards particularly interested in hiring devoted physicians like Kirkbride to run their asylums. Instead, they sought to hire superintendents who could manage budgets wisely and were willing to scrimp on spending for patients and, in the best manner of political appointees, grease the patronage wheels. [...] Treatment outcomes steadily declined.

Offering to help with carpooling will come at the cost of your time, gas budget, and likely your sleep, but you will learn more about what is going on in your daughter’s personal life in the time it takes to drop off her friends and get back to your home than you will in three weeks of asking about how things are going. Wise chauffeurs know it’s best to really play the part; trying to join the conversation or ask questions usually breaks the spell and ends the chatter or—even worse—gets the girls to take the conversation to their phones.

I have a small mind, but big goals. I have a small heart, but big ambitions. I have a small soul, but big dreams. I have small eyes, but a big vision. I have small ears, but big understanding. I have small hands, but big reach. I have a small tongue, but a big opinion. I have a small nose, but a big sense. I have a small mouth, but a big lecture. I have a small message, but a big audience. I have a small title, but a big education. I have a small purse, but a big gift. I have a small lesson, but a big classroom. I have a small resume, but a big accomplishment. I have a small company, but a big project. I have a small budget, but a big profit. I have a small team, but a big success. I have a small reputation, but a big destiny.

Daily work in the field of online advertising, as Jack Goldenberg sees it, is still significantly different from what the trends are propagated by online promotions. Defining online budget According to Jack Goldenberg a vast majority of the budget for online advertising does not exceed $2,000 on a monthly basis, depending on the perception of the company as they can bring effects "online adventure", established budgets for online advertising move in value from $200 to $2,000 per month (with highest proportion of $200-$500). This does not mean that a number of companies gives less advertising - but even then it can not be called "creating the campaign." Goldenberg believes that in order to create an online advertising campaign there should be a budget of at least $500 for the use of different types of online advertising. Goldenberg explains this as: In an environment of such budget is not simply distribute the money "wisely" and that since it has obvious benefits through a variety of online advertising systems. Jack Goldenberg found out how most companies in the world and USA are oriented towards effects in relation to the funds that are made for advertising. In this type of company, regardless of what everyone knows to be used types of brand advertising (advertising through banners - display advertising) to create recognizable firms in certain target groups, the effects of such advertising are not directly comparable with respect to the effects of (price per click - CPC - Cost per click) with contextual advertising, which for years has given much more efficient (measurable) results in relation to advertising banners, concludes Mr. Goldenberg. According to Yoel Goldenberg it is good when there is an understanding in companies that brand advertising has a different type of effects in relation to the PPC (contextual) advertising, and that would be it "documented" in a certain way, it is necessary to constantly explore and find those web sites that deliver the best effects for optimum need of assets. The process of creating an online advertising campaigns, explained by Goldenberg, usually starts (or should start) finding individual Web sites on which to advertise a company could, possibly longer term. Unfortunately, says Goldenberg, in our country is not in all sectors (industries) simply find diverse Web sites from which to choose "pretenders" for online advertising. An even greater problem is the fact that long-term advertising on a Web site does not bring the desired effect, unless it is constantly not working to the content of advertising often changes with an emphasis on meeting the needs of potential clients.

5 Thumb Rules to Follow for Outsourcing 3D Character. Outsourcing has become one of the basic requirements of the digital industry. Be it software, websites, architecture rendering or 3D character modelling, companies look forward to outsource these tasks to reliable names. Reason is simple. When it comes to value for money, 3D Art Outsourcing Service stands to be the most viable option as setting up in-house production often isn’t considered a wise ROI choice. But, this necessity has also given rise to possible frauds. There are countless companies waiting to gulp your money in the blink of an eye. There are many more who are ready to lure you with lucrative offers when it comes to 3D character modelling concept. Since not everyone is familiar with the technicalities of this field, companies can easily get trapped with fake promises of giving top notch services well within their reach, only to find out that the whole thing was neither worth their time nor money. However, all the sham can be avoided if companies follow the six thumb rules while Game outsourcing character modelling tasks to animation studios as these will lead them to the right names. 1) Take a Tour of the Website Although you will find expert comments on not to judge a company by its cover, there is no denying the fact that website plays a decisive role in company’s credibility, especially when it comes to art and animation studios. A studio that claims to offer you state-of-art results must first focus on its own. A clean, crisp website with appropriate content can actually say a lot about the studio’s work. A poor design and inappropriate content often indicate the following things: - Outdated and poorly maintained - Negligence towards its virtual presentation - Unprofessionalism - Poor marketing A sincere design and animation studio will indeed feature a vibrant website with all its details properly included. 2) Location Matters Location has a huge impact on hiring charges as it largely decides the price range one can expect. If you are looking forward to countries like India, you expect the range to be well within your budget chiefly because such countries have immense talent, but because of the increasing demand and competition in the field of outsourcing, hiring charges are relatively cheaper than countries like UK or USA. This means that once can get desired expertise without spending a fortune. 3) Know Your Team Inside Out Since you will be spending your hard earned money, you have every right to know the ins and outs of your team. Getting to know the team can assist you in your decision. Do your part of homework and be ready with your queries. Starting from their names to their works, check everything you can, and if need be, go for one-to-one conversation. This will not only help you to know them better, but will also give you an idea of their communication, their knowledge about their work and their sincerity. A dedicated one will always answer you up to the point while a confused one with fidget with words or beat around the bush. 4) Don’t Miss Out on the Portfolio While the website of a studio is its virtual representative, it’s the portfolio which speaks about its execution. Reputed names of 3D modelling and design companies house excellent projects ranging from simple to complex ones. A solid portfolio indicates: - commitment of the studio towards its projects - competency of its team - execution and precision - status of its expertise Apart from the portfolio, some animation studios even feature case studies and white papers in their websites which indicate their level of transparency. Make sure to go through all of them.

Where the cutting has been wholesale, and has lasted, is in Congress—Congress: the first branch of government, closest to the people; Congress, which on our behalf keeps an eye on all those unelected bureaucrats. Congressmen and -women have sabotaged their own institution’s ability to do that for us. They have smashed the tools it possessed to help fashion laws in the public interest. They have crippled their own capacity to come to independent conclusions as to the nature of the problems such laws would address. Congress has been disabled from inside. Most of this happened in one of those revisions of the House of Representatives’ internal rules when an election flipped the majority party. It was January 1995, and a last-minute geyser of campaign cash had delivered an upset Republican victory two months before. Newt Gingrich held the gavel. The very first provision of the new rules he hammered through on January 5 reads: “In the One Hundred Fourth Congress, the total number of staff of House committees shall be at least one-third less than the corresponding total in the One Hundred Third Congress.” Congressional staffers are the citizens’ subject matter experts. Over years, these scientists and auditors and lawyers and military veterans build up historical knowledge on the complex issues that jostle for House and Senate attention. They help members, who have to be generalists, drill down into specifics. Cut staffs, and members lose the bandwidth to craft wise legislation, the expertise to ask telling questions in hearings—the ability to hold oversight hearings at all. The Congressional Research Service, the Government Accountability Office, the Congressional Budget Office all suffered the cuts. The Office of Technology Assessment was abolished—because, in 1995, what new technology could possibly be poised on the horizon? Democrats, when they regained control of the House, did not repair the damage. Today, the number of staff fielding thousands of corporate lobbyists or fact-checking their jive remains lower than it was a quarter century ago.

T20 World Cup Betting: A Quick Guide The T20 World Cup is one of the most exciting events in the cricketing calendar, bringing together top teams from around the world for a fast-paced, action-packed tournament. For many fans, placing a bet can add even more excitement to the games. Here’s a brief guide to get you started with T20 World Cup betting. What is T20 World Cup Betting? T20 World Cup betting involves wagering on various outcomes related to the tournament. This can range from predicting the overall winner of the World Cup to specific match outcomes or player performances. Types of Bets Match Bets: Wager on the outcome of individual matches. Outright Bets: Bet on which team will win the entire tournament. Prop Bets: Bet on specific events, like the top run-scorer in a match. How to Bet Choose a Platform: Select a reputable betting site like Bet365 or Betway. Create an Account: Sign up and verify your details. Deposit Funds: Add money to your account using a secure payment method. Place Bets: Choose your bets based on your research and predictions. Tips for Successful Betting Research: Study team form, player statistics, and match conditions. Set a Budget: Only bet what you can afford to lose. Stay Informed: Keep up with the latest news and updates. Responsible Betting Betting should always be fun and done responsibly. Set limits for yourself and seek help if betting becomes a problem. Betting on the T20 World Cup can enhance your enjoyment of the game, but always remember to bet wisely and responsibly.

A fool can learn from his own mistakes, but a wise man learns from the mistakes of others.

Generally, I’ve observed, we seek changes that fall into the “Essential Seven.” People—including me—most want to foster the habits that will allow them to: 1. Eat and drink more healthfully (give up sugar, eat more vegetables, drink less alcohol) 2. Exercise regularly 3. Save, spend, and earn wisely (save regularly, pay down debt, donate to worthy causes, stick to a budget) 4. Rest, relax, and enjoy (stop watching TV in bed, turn off a cell phone, spend time in nature, cultivate silence, get enough sleep, spend less time in the car) 5. Accomplish more, stop procrastinating (practice an instrument, work without interruption, learn a language, maintain a blog) 6. Simplify, clear, clean, and organize (make the bed, file regularly, put keys away in the same place, recycle) 7. Engage more deeply in relationships—with other people, with God, with the world (call friends, volunteer, have more sex, spend more time with family, attend religious services)

Budget Medicines Review - Find out how to be wise and buy medicines which are not only affordable but are safe and effective to use with the help of BMPharmacy budgetmedicines.org

Action titles on slides The title bar at the top of your PowerPoint slide is precious real estate: use it wisely! This is the first thing your audience encounters on the page or screen and yet so often it gets used for redundant descriptive titles (for example, “2015 Budget”). Instead use this space for an action title. If you have a recommendation or something you want your audience to know or do, put it here (for example, “Estimated 2015 spending is above budget”).

The law of cause and effect is a basic law of life. The Bible calls it the Law of Sowing and Reaping. “You reap whatever you sow. If you sow to your own flesh, you will reap corruption from the flesh; but if you sow to the Spirit, you will reap eternal life from the Spirit” (Gal. 6:7–8 NRSV). When God tells us that we will reap what we sow, he is not punishing us; he’s telling us how things really are. If you smoke cigarettes, you most likely will develop a smoker’s hack, and you may even get lung cancer. If you overspend, you most likely will get calls from creditors, and you may even go hungry because you have no money for food. On the other hand, if you eat right and exercise regularly, you may suffer from fewer colds and bouts with the flu. If you budget wisely, you will have money for the bill collectors and for the grocery store.

[Fiscal prudence] means spending wisely, reducing waste, collecting sufficient taxes to pay for the public goods and services we want, keeping budgets in relative balance over time, and keeping debt coming down, at least during reasonably good times.

You contribute much to your marriage by the wise, thrifty, diligent management and oversight of your part of the household budget.

The situation reflected the perennial problem of interservice rivalry. Each service tended to adopt a self-serving party line and pursue it relentlessly. At budget time each year the Air Force would see endless numbers of Soviet missiles and bombers; the Navy would detect the latest enemy submarines, just off the East coast; and the Army would mechanize a few dozen more Russian divisions.

Another reason why we cannot combine targets and forecasts is because a good target needs to have an element of stretch and ambition. When setting targets, we cannot just sit in a dark room, or look back to last year and add on a few percentages. We need to look out the window to the world outside, to customers, shareholders, communities, and all the other external stakeholders, with expectations about our performance and behavior. While the window is open, it might be wise also to take a look at the competition and how fast it is running. When we close the window and reflect on what we have seen, it is not unlikely that what we have observed has an effect on our ambition level. Setting ambitious targets is less a decision we take and more a consequence of what is happening around us, whether we like what we see or not. At the same time, we need those good and reliable forecasts. We must understand where we are heading, how big the gaps are against our ambitions and targets, and where we need to focus our attention and energy to catch up. Forcing a target and a forecast into one number in one process is almost guaranteed to result in either a bad target or a bad forecast. Or very often both, since we negotiate and compromise and end up with a number somewhere in between.

That's for Rich People' I remember a scene in my childhood. I love my mom, and she's a great mom, but one of her weaknesses was a pernicious poverty mindset. When I was a small boy, I remember Mom brought me to a shoe store. I pointed to a nice pair of black leather shoes behind the glass cover, and my mother made the sign of the cross, like I pointed to something I should not point to, and said, "Shhhh! Not that! We can't afford that! Those shoes are for rich people." In my little mind, I figured, if we can't buy the shoes for rich people, it meant that we were poor people. Today, I've learned my lesson. Even as God has prospered my little businesses, I don't buy everything my kids want to buy. When my boys and I are walking in a mall, and they point to something they like, and it isn't in the budget, I don't say, "That's too expensive." I say, "Boys, we can afford to buy it. But because we're wise, we choose not to buy it.

Wise people do not fly budget airlines!

am impressed with how well they do in a world where street crime seems to be increasing exponentially. There is an obvious economic relationship between the amount of “free crime” at the top of the economic food chain, and the increases in poverty, hopelessness addiction and street crime at the bottom. The police are doing a great job (on the streets) in my view. If memory serves me they responded to 35,000 calls in one year with their $40 million dollar budget. However, the public must know that they (police) rarely respond or get involved in high value economic crime, and often they tell victims of million dollar crimes, that their complaint is a “civil matter” and should be dealt with in the civil courts. They do a great job at the level of street safety and property protection, but at most crimes over a certain financial level, or complexity, they defer to others. Police do not appear to function in government buildings and office suites, like they do in the streets. My government has offices for high value economic crimes. These are commercial crime police units called the RCMP Integrated Markets Enforcement Teams. (RCMP IMET) By some coincidence they also operate on a budget in the neighborhood of $40 Million dollars…but $40 Million is what they have for the protection of the entire country of Canada. They handle perhaps a dozen cases a year, and we rarely hear of a successful prosecution. I believe it is intentional. No person power finds it wise…to investigate persons in power.

My experience at the Division of AIDS really opened my eyes about how the system really operated. The federal budget is a big trough to feed special interest groups. But if you become wise to it, open your mouth, and get on the wrong side of someone really powerful, they are out for blood. The government lawyers up, and they have unlimited resources to burn you. Truth may not be on their side, but they can throw every obstacle in your way to getting a fair hearing of your grievance. And you can’t get justice because litigation will drain you to your last penny. The system isn’t designed to help the aggrieved party. I couldn’t coerce Fauci for a deposition. He was too busy doing interviews and accepting awards. There were never any consequences for the perpetrators. They continued merrily in their careers. I had to start all over again. If they are determined to ruin your life, they can do it.

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