Wise Financial Quotes

I believe in the supreme worth of the individual and in his right to life, liberty and the pursuit of happiness. I believe that every right implies a responsibility; every opportunity, an obligation; every possession, a duty. I believe that the law was made for man and not man for the law; that government is the servant of the people and not their master. I believe in the dignity of labor, whether with head or hand; that the world owes no man a living but that it owes every man an opportunity to make a living. I believe that thrift is essential to well-ordered living and that economy is a prime requisite of a sound financial structure, whether in government, business or personal affairs. I believe that truth and justice are fundamental to an enduring social order. I believe in the sacredness of a promise, that a man's word should be as good as his bond, that character—not wealth or power or position—is of supreme worth. I believe that the rendering of useful service is the common duty of mankind and that only in the purifying fire of sacrifice is the dross of selfishness consumed and the greatness of the human soul set free. I believe in an all-wise and all-loving God, named by whatever name, and that the individual's highest fulfillment, greatest happiness and widest usefulness are to be found in living in harmony with His will. I believe that love is the greatest thing in the world; that it alone can overcome hate; that right can and will triumph over might.

The practice of thrift is not outdated.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.

Someday this upside-down world will be turned right side up. Nothing in all eternity will turn it back again. If we are wise, we will use our brief lives on earth positioning ourselves for the turn.

In the end of the day it matters much more how wise you spent your money than how much of it you have gathered. Because the most important tool to measure your financial maturity is based uniquely on the first part of the question and the ability to keep money is more important than the ability to make money. Rabbi Celso Cukierkorn

There is a kind of bravery to our condition, I reckon: brought into being without an explanation, in a potentially infinite and apparently dead universe, and expected to just get on with it as though nothing strange is going on. Well it fucking is. And it's all right to have a meltdown about the whole affair from time to time, faced with the pressures of modern existence, trying to be a good human and a good worker and a good son/daughter/parent, trying to be a good citizen, trying to be wise without condescension but uninhibited without recklessness, trying to just muddle through without making any silly decisions, trying to align with the correct political opinions, trying to stay thin, trying to be attractive, trying to be smart, trying to find the ideal partner, trying to stay financially secure, trying to just find some modest corner of meaning and belonging and sanity to go and sit in, and all the while living on the edge of dying forever.

[...] Cousin Jimmy gave me a whole dollar on the sly last week. I wish he had not given me so much. It worrys me. It is an awful responsibility. It will be so diffikult to spend it wisely also without Aunt Elizabeth finding out about it. I hope I shall never have a million dollars. I am sure it would crush me utterly.

Here is an all-too-brief summary of Buffett’s approach: He looks for what he calls “franchise” companies with strong consumer brands, easily understandable businesses, robust financial health, and near-monopolies in their markets, like H & R Block, Gillette, and the Washington Post Co. Buffett likes to snap up a stock when a scandal, big loss, or other bad news passes over it like a storm cloud—as when he bought Coca-Cola soon after its disastrous rollout of “New Coke” and the market crash of 1987. He also wants to see managers who set and meet realistic goals; build their businesses from within rather than through acquisition; allocate capital wisely; and do not pay themselves hundred-million-dollar jackpots of stock options. Buffett insists on steady and sustainable growth in earnings, so the company will be worth more in the future than it is today.

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.

The best test of whether someone is extremely stupid (or extremely wise) is whether financial and political news makes sense to him.

The intelligent investor will remember the wise words of financial analyst Mark Schweber: “The one question never to ask a bureaucrat is ‘Why?

[The wives of powerful noblemen] must be highly knowledgeable about government, and wise – in fact, far wiser than most other such women in power. The knowledge of a baroness must be so comprehensive that she can understand everything. Of her a philosopher might have said: "No one is wise who does not know some part of everything." Moreover, she must have the courage of a man. This means that she should not be brought up overmuch among women nor should she be indulged in extensive and feminine pampering. Why do I say that? If barons wish to be honoured as they deserve, they spend very little time in their manors and on their own lands. Going to war, attending their prince's court, and traveling are the three primary duties of such a lord. So the lady, his companion, must represent him at home during his absences. Although her husband is served by bailiffs, provosts, rent collectors, and land governors, she must govern them all. To do this according to her right she must conduct herself with such wisdom that she will be both feared and loved. As we have said before, the best possible fear comes from love. When wronged, her men must be able to turn to her for refuge. She must be so skilled and flexible that in each case she can respond suitably. Therefore, she must be knowledgeable in the mores of her locality and instructed in its usages, rights, and customs. She must be a good speaker, proud when pride is needed; circumspect with the scornful, surly, or rebellious; and charitably gentle and humble toward her good, obedient subjects. With the counsellors of her lord and with the advice of elder wise men, she ought to work directly with her people. No one should ever be able to say of her that she acts merely to have her own way. Again, she should have a man's heart. She must know the laws of arms and all things pertaining to warfare, ever prepared to command her men if there is need of it. She has to know both assault and defence tactics to insure that her fortresses are well defended, if she has any expectation of attack or believes she must initiate military action. Testing her men, she will discover their qualities of courage and determination before overly trusting them. She must know the number and strength of her men to gauge accurately her resources, so that she never will have to trust vain or feeble promises. Calculating what force she is capable of providing before her lord arrives with reinforcements, she also must know the financial resources she could call upon to sustain military action. She should avoid oppressing her men, since this is the surest way to incur their hatred. She can best cultivate their loyalty by speaking boldly and consistently to them, according to her council, not giving one reason today and another tomorrow. Speaking words of good courage to her men-at-arms as well as to her other retainers, she will urge them to loyalty and their best efforts.

The most intelligent or brilliant of us all are not usually the most successful, financially or career wise. A lot depends on the ability of a person to break into circles, meet people, network and interact. A well marketed yam may sell better than a not-so-well marketed Jollof. Do not just stay in the library and read all the books there, lest you become publicly dusty like the books you read. Food for thought!

The most realistic distinction between the investor and the speculator is found in their attitude toward stock-market movements. The speculator’s primary interest lies in anticipating and profiting from market fluctuations. The investor’s primary interest lies in acquiring and holding suitable securities at suitable prices. Market movements are important to him in a practical sense, because they alternately create low price levels at which he would be wise to buy and high price levels at which he certainly should refrain from buying and probably would be wise to sell. It is far from certain that the typical investor should regularly hold off buying until low market levels appear, because this may involve a long wait, very likely the loss of income, and the possible missing of investment opportunities. On the whole it may be better for the investor to do his stock buying whenever he has money to put in stocks, except when the general market level is much higher than can be justified by well-established standards of value. If he wants to be shrewd he can look for the ever-present bargain opportunities in individual securities. Aside from forecasting the movements of the general market, much effort and ability are directed on Wall Street toward selecting stocks or industrial groups that in matter of price will “do better” than the rest over a fairly short period in the future. Logical as this endeavor may seem, we do not believe it is suited to the needs or temperament of the true investor—particularly since he would be competing with a large number of stock-market traders and first-class financial analysts who are trying to do the same thing. As in all other activities that emphasize price movements first and underlying values second, the work of many intelligent minds constantly engaged in this field tends to be self-neutralizing and self-defeating over the years. The investor with a portfolio of sound stocks should expect their prices to fluctuate and should neither be concerned by sizable declines nor become excited by sizable advances. He should always remember that market quotations are there for his convenience, either to be taken advantage of or to be ignored. He should never buy a stock because it has gone up or sell one because it has gone down. He would not be far wrong if this motto read more simply: “Never buy a stock immediately after a substantial rise or sell one immediately after a substantial drop.” An

When you earn your freedom, make decisions wisely in order to pursue economic and social success in the long run.

With the power of God, we can scale any wall.

Time needs to be invested and managed wisely, much more seriously than money. Time is all you have, and you will realize it one day that you have less than what you think.

In other words, money is paid and gas is burned to make one's possessions as comfortable temperature-wise as the inhabitants

Sometimes, it is not the money in your bank account that solves your problem, but the wisdom in your head.

Saving money is for fools. The wise achieve the very same or even better result by simply not wasting money.

It's fun to think that one day our great, great grandchildren may get that much closer to understanding what the hell creation is doing here in the first place, and glimpsing the underlying structure and nature of matter itself. Hopefully they won't live with the same existential horrors we all quietly face today in our own lives.    There is a kind of bravery to our condition, I reckon: brought into being without an explanation, in a potentially infinite and apparently dead universe, and expected to just get on with it as though nothing strange is going on. Well it fucking is. And it's all right to have a meltdown about the whole affair from time to time, faced with the pressures of modern existence, trying to be a good human and a good worker and a good son/daughter/parent, trying to be a good citizen, trying to be wise without condescension but uninhibited without recklessness, trying to just muddle through without making any silly decisions, trying to align with the correct political opinions, trying to stay thin, trying to be attractive, trying to be smart, trying to find the ideal partner, trying to stay financially secure, trying to just find some modest corner of meaning and belonging and sanity to go and sit in, and all the while living on the edge of dying forever.    We're all in the same strange boat, grappling with the same strange condition. But it isn't quite so scary if we all do it together. So let's do it together.

Personal finance is a means to an end—living a rich and fulfilling life. It is not hard. It is not complicated. I write this to share simple truths I've learned from some very wise people.

Epicurus once said that the wise will accomplish three things in their life: leave written works behind them, be financially prudent and provide for the future, and cherish country living.

Ultimately, ESG is about wise capital stewardship. The expectation is that we wisely steward environmental capital, financial capital and human capital, as well as other forms of capital. If we understand that capital comes in all these various forms, and approach that capital with the spirit of stewardship and the know-how of stewardship, we will in effect be ESG compliant.

By building wealth to the point where you can be financially independent, you create a situation where you can choose what you want to do. That’s the most luxurious thing that money can buy.

Getting out of a marriage is rough, though, and not just for the legal / financial complications or the massive lifestyle upheaval. (As my friend Deborah once advised me wisely: "Nobody ever died from splitting up furniture.") It's the emotional recoil that kills you, the shock of stepping off the track of a conventional lifestyle and losing all the embracing comforts that keep so many people on that track forever.

It's not unhealthy or wrong to change your mind, career wise, nor is it selfish to dream for something better than what you have, even if what you already have is "pretty good" compared to what other people have.

The ARM, Adjustable Rate Mortgage, was invented in the early 1980s. Prior to that, those of us in the real estate business sold fixed-rate 7 or 8 percent mortgages. What happened? I was there in the middle of that disaster of an economy when fixed-rate mortgages went as high as 17 percent and the real estate world froze. Lenders paid out 12 percent on CDs but had money loaned out at 7 percent on hundreds of millions of dollars in mortgages. They were losing money, and lenders don’t like to lose money. So the Adjustable Rate Mortgage was born, in which your interest rate goes up when the prevailing market interest rates go up. The ARM was born to transfer the risk of higher interest rates to you, the consumer. In the last several years, home mortgage rates have been at a thirty-year low. It is not wise to get something that adjusts when you are at the bottom of rates! The mythsayers always seem to want to add risk to your home, the one place you should want to make sure has stability. Balloon mortgages are even worse. Balloons pop, and it is always strange to me that the popping sound is so startling. Why don’t we expect it? It is in the very nature of balloons to pop. Wise financial people always move away from risk, and the balloon mortgage creates risk nightmares.

I have never understood the importance of having children memorize battle dates. It seems like such a waste of mental energy. Instead, we could teach them important subjects such as How the Mind Works, How to Handle Finances, How to Invest Money for Financial Security, How to Be a Parent, How to Create Good Relationships, and How to Create and Maintain Self-Esteem and Self-Worth. Can you imagine what a whole generation of adults would be like if they had been taught these subjects in school along with their regular curriculum? Think how these truths would manifest. We would have happy people who feel good about themselves. We would have people who are comfortable financially and who enrich the economy by investing their money wisely. They would have good relationships with everyone and would be comfortable with the role of parenthood and then go on to create another generation of children who feel good about themselves. Yet within all this, each person would remain an individual expressing his or her own creativity.

We must employ our intelligence wisely. Do you want to feed your fears or do you want to feed your Bliss? Some opportunities that will give us great joy may not always be financially rewarding. And some opportunities may be giving us only money and no joy. Invest in your Bliss. It will never fail you.

We depended on the indigenous of this land to teach us farming and harvesting skills that we largely lacked upon arrival. Indeed, had it not been for the wisdom of native North Americans, the first attempt at European colonization would have failed entirely. We were starving in droves, perishing in Jamestown because we had spent so much time looking for gold that we’d forgotten to plant crops that could sustain us through the harsh winters. Four hundred–plus years later that folly has been repeated, at least metaphorically, in an economy so focused on the chasing of wealth for wealth’s sake that it has failed to re-sow its crops, to invest in the future, to actually produce anything of value as it opts, instead, to chase financial fortunes and immediate riches.

I agree with you one hundred percent.“ Diana batted her lashes. “I think you’ve made a very wise decision, Colby.“ He ran his palm up her bare arm. “And I think you’re picking up the finer nuances of being a wife faster than I’d ever imagined you would. How the hell did I wind up agreeing to spend Christmas with Margaret Fulbrook?“ “How the hell did I wind up pregnant and unemployed and financially dependent on a man for the first time in my life?“ “You forgot barefoot,“ he said with satisfaction. “At the moment you’re barefoot, pregnant and unemployed.“ She started to tickle him in the ribs. A few minutes later Colby’s sexy laughter aroused Specter. The dog sighed heavily, got up and padded down the hall to find some peace and quiet in the living room.

More notable perhaps were the names of those who were not from the Congress. These included two representatives of the world of commerce and one representative of the Sikhs. Three others were lifelong adversaries of the Congress. These were R. K. Shanmukham Chetty, a Madras businessman who possessed one of the best financial minds in India; B. R. Ambedkar, a brilliant legal scholar and an ‘Untouchable’ by caste; and Shyama Prasad Mookerjee, a leading Bengal politician who belonged (at this time) to the Hindu Mahasabha. All three had collaborated with the rulers while the Congress men served time in British jails. But now Nehru and his colleagues wisely put aside these differences. Gandhi had reminded them that ‘freedom comes to India, not to the Congress’, urging the formation of a Cabinet that included the ablest men regardless of party affiliation.6

Similar declarations are to be found again and again, in Sumerian and later Babylonian and Assyrian records, and always with the same theme: the restoration of “justice and equity,” the protection of widows and orphans, to ensure—as Hammurabi was to put it when he abolished debts in Babylon in 1761 BC—“that the strong might not oppress the weak.”14 In the words of Michael Hudson, The designated occasion for clearing Babylonia’s financial slate was the New Year festival, celebrated in the spring. Babylonian rulers oversaw the ritual of “breaking the tablets,” that is, the debt records, restoring economic balance as part of the calendrical renewal of society along with the rest of nature. Hammurabi and his fellow rulers signaled these proclamations by raising a torch, probably symbolizing the sun-god of justice Shamash, whose principles were supposed to guide wise and fair rulers. Persons held as debt pledges were released to rejoin their families. Other debtors were restored cultivation rights to their customary lands, free of whatever mortgage liens had accumulated.15

Yet the Constitution did not hold factions in check, and as early as 1791, Madison had begun to revise his thinking. In an essay called “Public Opinion,” he considered a source of instability particular to a large republic: the people might be deceived. “The larger a country, the less easy for its real opinion to be ascertained,” he explained. That is, factions might not, in the end, consist of wise, knowledgeable, and reasonable men. They might consist of passionate, ignorant, and irrational men, who had been led to hold “counterfeit” opinions by persuasive men. (Madison was thinking of Hamilton and his ability to gain public support for his financial plan.) The way out of this political maze was the newspaper. “A circulation of newspapers through the entire body of the people,” he explained, “is equivalent to a contraction of territorial limits.” Newspapers would make the country, effectively, smaller.90 It was an ingenious idea. It would be revisited by each passing generation of exasperated advocates of republicanism. The newspaper would hold the Republic together; the telegraph would hold

My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

The founders feared that the central government, once it had united the states, would become too powerful and would impose its will upon the people—or the individual states—without regard to their wishes. This “government knows best” model was one that they were quite familiar with from their extensive studies of other governmental models as well as from their personal experience with the British monarchy. They felt that their best defense against a tyrannical government was to divide the power three ways, with each branch of government having the power to check the other two. They also listed the powers that the federal government would have, being sure to leave the balance of power in the hands of the states and the people. They wisely concluded that the states would not be eager to give additional power to the federal government and limited its power accordingly. Unfortunately, the founders did not realize that the time would come when the federal government would approve a federal taxation system that could control the states by giving or withholding financial resources. Such an arrangement significantly upsets the balance of power between the states and the federal government. As a result, today there are numerous social issues, such as the legalization of marijuana, gay marriage, and welfare reform, that could probably be more efficiently handled at the state level but with which the federal government keeps interfering. The states, instead of standing up for their rights, comply with the interference because they want federal funds. It will require noble leaders at the federal level and courageous leaders at the state level to restore the balance of power, but it is essential that such balance be restored for the sake of the people.

Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

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.

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!

Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

Business Owner Planning Business owners have additional and complex Retirement Planning needs. Counting only on the sale of your business requires tremendous luck and success. If business owners consider the business as simply one asset among many, then they should seriously consider additional assets such as: -Executive Bonus Arrangements -Nonqualified deferred compensation plans -Qualified retirement plans -General investment portfolio Motto for Business Owner Planning As I look back on thirteen years of entrepreneurship, I can see that the best and smartest thing to do is to have a plan with the end in mind and you in mind. The time still goes by and time is expensive. That sentence is really a whole book and you should or will understand sooner than later, hopefully. That would have looked like business succession planning. Proper business succession planning requires sound preparation in order to have a smooth and equitable transition. Financial, tax and legal planning are all necessary for a success.

Your Personal Economic Model One tool we use when discussing the best course of action to secure your financial future is the Personal Economic Model®. Just as a medical doctor would use an anatomical model to convey medical concepts, we use the following model to convey financial concepts. This model offers a visual representation of the way money flows through your hands. On the left, you will notice the Lifetime Capital Potential tank, which illustrates that the amount of money you will control during your lifetime is both large, as well as finite. Most people are shocked to see how much money can flow through their hands in their lifetime. Once earned, your money flows directly to the Tax Filter where the state and federal governments take tax dollars owed from your paycheck. The after tax dollars are then directed to either your Current Lifestyle or your Future Lifestyle. Your management of the Lifestyle Regulator determines where these dollars go. Regulating the cash flow between your current lifestyle desires and your future lifestyle requirements may be the most important financial decision you will ever make. Here’s why. Each and every dollar that is allowed to flow through to your Current Lifestyle is consumed and gone forever. The goal is to accumulate enough money in the Savings and Investment tanks so that when you retire, the dollars in those tanks can be used to pay for your future lifestyle requirements. Retirement planning seems hard for most people to do but it is not rocket science. The best position, position A, would be to have enough in the tanks so that you can live in the future like you live today adjusted for inflation and have your money last at least to your life expectancy. That’s a win, but the icing on the cake would be to accomplish that with little to no impact on your present standard of living, and that is exactly what we strive to help our clients to do. Working with us can help you with the following: Optimize the balance between your Current and Future Lifestyles Identify inefficiencies in your current personal economic model (where are you losing money) Design, implement, and execute a plan to secure your financial future Limit the impact on your Current Lifestyle dollars (maintain your current standard of living)

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.

If you are financially affluent, think of adopting a kid and raise him or her right next to your biological offspring. And let your love become the proof of your parenthood, instead of your DNA.

What is the wise thing for you to do? You are a unique blend of past experiences, current circumstances, and future hopes and dreams. Wisdom allows you to customize the decision-making process to your specific professional, financial, and relational dimensions. Don’t miss this opportunity. Think

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Nate Oeming is a financial planner who boasts a long history of success in the financial sector. He has around 20 years of experience in the sector and has received numerous awards and finished licenses to certify his status as an expert in the field. Nate Oeming loves to help his clients make wise investments.

Believe me, this world is not a world in which we can do well without thinking, and least of all do well in the matter of our souls. “Don’t think,” whispers Satan, for he knows that an unconverted heart is like a dishonest businessman’s financial records – they will not bear close inspection. Consider your ways, says the Word of God – stop and think, consider and be wise.

Word to the wise: The IRA custodian is not required to notify your beneficiaries of these rules, and many will not. It’s up to you to let your heirs know about these requirements so that they don’t make an error and get stuck with unnecessary missed RMD penalties.

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.

As a general rule, then, while evaluating our investments we must remind ourselves to adjust them for inflation, because that gives us what is called ‘the real rate of return’. Even if your investments have grown at 20 per cent per annum last year, if the inflation rate for that year was 25 per cent, it means you’ve lost money. Too

A society that expects most individuals to take responsibility for the management of their own expenditure and income after tax, that expects most adults to own their own homes and that leaves it to the individual to determine how much to save for retirement and whether or not to take out health insurance, is surely storing up trouble for the future by leaving its citizens so ill-equipped to make wise financial decisions.

Given the complexity in strategy, governance and relationships involved in family business, one might marvel that a family ever emerges on the other side and wants to find a permanent way to continue together. But many families that have successfully accumulated significant wealth begin to search for a means to preserve it for present and future generations. One way to do so is to form a family office. Although definitions differ, a family office is generally organized to manage and leverage the family’s collective wealth, with an emphasis on stewardship rather than growth. Stewardship implies a long-term view and looks at inherited wealth as something to be treasured and preserved, in real terms, for future generations of family. A sense of stewardship is a powerful motivator, in the first place, not to destroy the financial and philosophical legacy of the founder and, second and ideally, to extend the reach of these resources into the modern day. We are going to talk extensively

I hope that almost every adult will become an investor. When I became an investment counselor there were only 4 million shareholders in America, and now there are 48 million. The amount of money invested in American mutual funds is now 1,000 times as great as it was 55 years ago. Thrift, common sense, and wise asset allocation can produce excellent results in the long run. For example, if you begin at age 25 to invest $2,000 annually into your Individual Retirement Account where it can compound free of tax, and if you average a total return of 10 percent annually, you will have nearly a million dollars accumulated at age 65.

Take a look at an electric generator and dare tell yourself that it was created by the muscular effort of unthinking brutes. Try to grow a seed of wheat without the knowledge left to you by men who had to discover it for the first time. Try to obtain your food by means of nothing but physical motions – and you’ll learn that man’s mind is the root of all the goods produced and of all the wealth that has ever existed on earth.

JANUARY IN PY7 This can be a difficult month of adjustment for those who have become addicted to continual progress. But we all must learn to accept the things we cannot change, and this is an irrevocable year of consolidation. If it be in disagreement with your wants, then examine them and act wisely, or this could become a year of significant loss for you. FEBRUARY IN PY7 If you have not yet succeeded in accepting the need to focus on stabilising this year, then quiet your mind and body, turn inward and rely on your intuition for guidance. Take time to embrace periods of silence and meditate whenever possible. Be especially attentive to stabilising your love life. MARCH IN PY7 Your level of personal understanding is strengthened during this month when the mind number 3 prevails. Things become clearer and your life becomes more readily understood, unless you refuse to accept the inevitable and choose instead to play the role of the victim. APRIL IN PY7 Those who have refused to slow down and consolidate can expect this to be a month of material sacrifice – financially and, perhaps, in health. How else will the universe teach you? Ideally, it is a month for practical organising and for discarding unwanted aspects of life. MAY IN PY7 Focus on stabilising your love life this month, not only with your partner but also with your children and or close family. Be more free with them in your personal expression – let them see how loving you really are. JUNE IN PY7 When one door closes, look for the one (or maybe two) that opens. But don’t rush in (leave that to the fools). Develop creative patience, take your time and consider all aspects before making your move, for the best might be somewhat camouflaged yet worthy of investigation.

Patel’s guiding hand was indeed wise and sure; another Congress politician, even (or especially) Nehru, might not have supervised the princes’ extinction with such patience and foresight. But he could scarcely have done the job without V. P. Menon, who made hundreds of trips to the chiefdoms, chipping away at their rulers. In turn, Menon could have done little without the officials who effected the actual transition, creating the conditions for financial and social integration with the rest of India.

Often we think of prices rising, but the more accurate way of looking at it is a depreciation of the currency. It is not so much that milk has become more expensive, but our rupees have become less valuable because there are more of them now. The other symptom of inflation, one which does not make itself immediately apparent, is that it is a form of theft from the poor and the middle class. Inflation is great for the rich because they can afford to get out of cash into tangible assets as a matter of habit, but for the middle class, and especially the lower middle class, value is being stolen right out of their pockets on a daily basis.

Money, money, money Always sunny In the rich man’s world Aha-ahaa All the things I could do If I had a little money… It’s a rich man’s world

Money, money, what have you done? You’ve split up a family that lived as one.

So long as men live together on earth and need means to deal with one another – their only substitute, if they abandon money, is the muzzle of a gun.

The Way Forward If we’re to live frugally, if we’re to learn how to be more content with less, it seems to me that we have to first tackle these innermost fears and anxieties that compel us to indulge in reckless spending. One of the very first decisions we must each take in our journey to financial independence is to look at ourselves and say, ‘I’m okay.’ Saying it is not hard, but meaning it is. First of all, we must reject the financial script that the world insists on pushing on us. There is nothing noble or normal about working for forty years of your healthy life so that you can live independently in your final twenty. We must all believe that it is possible for us to retire early and enjoy more of life. Financial Independence, if you achieve it, will allow you to do so. Second, redefine success for yourself. Money and fame is the society’s definition of the word. What’s yours? A more loving relationship with your spouse? Bringing up your kids to be independent? Conquering your anger? Learning to dance? We all have passions that we have put on the back burner because of our careers, which we tell ourselves we will pursue ‘when we have time’. Write them down, and pursue them. Make time for them, the same way you make time for your work. Let’s face it; otherwise they just don’t get done. Third, accept that the world is inherently unequal and unfair. Your life is your own, and the only person you can – and should – compete with is yourself. Once we accept this, I think, we will find that envy touches us a lot less. We will welcome failure with good grace and success with humility. Most important of all, we will not run through life as though we’re in a race, and we will not feel the need, perhaps, to buy things in order to show people how successful we are.

Ralph Waldo Emerson said, ‘A man in debt is so far a slave.’ In our modern times, we have coined a variety of terms that dull the slavish nature of debt. We refer to EMIs as ‘financing solutions’, we speak of zero interest and zero down payments, we hear about floating and fixed rates, but in its most basic form, debt is slavery. The possessions you acquire while you get into debt do not belong to you. They belong to the person who loaned you the money, and because so many of us trade our time for money, he owns your time too, and a tiny bit of your life. In the past, slaves were legal property of their masters. Today, slavery is practised in the form of monetary debt.

So in ancient Rome, a person who was content with what he had earned had the option to sit on his wealth and eat a little bit of it at a time, confident that his gold would always maintain purchasing power. Do we have that now? Do we have the luxury of putting all our cash into a fixed deposit, and live off it? In ancient Rome, no one had to worry about inflation, because the amount of gold remained stable.

We can now see clearly why liberal arguments for social programs can make no sense at all to conservatives, whether they are arguments on the basis of compassion, fairness, wise investment, financial responsibility, or outright self-interest.

Getting out of a marriage is rough, though, and not just for the legal/ financial complications or the massive lifestyle upheaval. (As my friend Deborah once advised me wisely: “Nobody ever died from splitting up furniture.”) It’s the emotional recoil that kills you, the shock of stepping off the track of a conventional lifestyle and losing all the embracing comforts that keep so many people on that track forever.

Following God can make us look foolish in the world’s eyes. Unbelievers can’t understand why we would give money back to God when we’re struggling financially. It doesn’t make sense to them when we forgive someone who has hurt us terribly, or when we put aside our own desires in order to hold our family together. God may call us to leave a lucrative career for mission work, take in a homeless person, or do something else that seems illogical from a human standpoint. People may even question our sanity. But even when our actions seem strange to those around us, it’s always wise to follow God’s instructions in our most important building project—a life that brings glory to him.

Human beings in the globe are so caught up with proving their worth to others whether it's through physical beauty, financial successes or achievements that many people become so consumed with hatred when they are not given respect. It is wise that although people do it on a daily basis, never let anyone define you or have low self-esteem if you feel rejected or ostracized. Learn to ignore people because truly they're insignificant. Although the world is extremely evil, you don't need to take out yourself or anybody else who hurt or mocked you. If you were/are in a relationship and that person cheated on you or left you when you were so accustomed to him/her, learn to be strong and never look back. They are and never were worth it.

Life insurance is an essential foundation of a family’s financial security. It represents a loving and wise commitment to your family, and even your business partners or key employees, by recognizing the need to meet future financial responsibilities in the event of an untimely death or disabling illness.       In other words, life insurance helps remove the financial uncertainty of life for you and whoever depends on you at home and at work.

Have you ever dared to imagine what life could be like … if we used our skills to transform conflict, to clean up the environment, and to invent a financial system that is fair? How it would be if we set up systems for wise governance, if we kicked out the cynics and gave medals to people who outlaw corruption? What would life be like if we were to bring the feminine and masculine into balance, to free women from millennia of oppression and release their creativity? What if we were able to have a pace of life that suited the soul? This book is your invitation. How This Book Works The foundation of this book is the leap in human consciousness. This first chapter introduces the ideas that propelled me to write it and describes my own journey. Chapter 2 will try to get as close as possible to a vision of what this leap is. Chapter 3 then takes us to meet some living examples of people who have done this—great people who have developed their self-awareness, shifted their consciousness, and become able to work for change in the world in a powerfully effective way. These are individuals who have dealt with the doubts and challenges of being a pioneer, such as speaking truth to power and picking yourself up when things fall apart. They have also, crucially, learned when skepticism is useful

In a bull market, everyone becomes an expert! In a bear market, everyone becomes wise!

Marriage is hard. Divorce is hard. Choose your hard. Obesity is hard. Being fit is hard. Choose your hard. Being in debt is hard. Being financially disciplined is hard. Choose your hard. Starting a business is hard. Working a 9 to 5 job is hard. Choose your hard. Life will never be easy, but you can choose your hard. Choose wisely!

I HAVE A HOLE IN MY HEART THE SIZE OF THE SOLAR SYSTEM and people are talking to me about equity and assets and nest eggs and making wise financial decisions-

A wise financial plan turns stress into strategy and chaos into clarity.

Reading the book of Proverbs on child rearing is like paying good money for financial advice and being told after ten sessions, “Here’s what I’ve come up with. Invest your money wisely, and you will be set for retirement.” I was hoping for stock tips.

First, reframe the purpose of taxes to help build social consensus for the kind of higher-tax, higher-returns public sector that has been a proven success in many Scandinavian countries. And remember, the verbal framing expert George Lakoff advises to choose your words wisely: don’t oppose tax relief—talk about tax justice. Likewise, the notion of public spending is often used by those who oppose it to evoke a never-ending outlay. Public investment, on the other hand, focuses on the public goods—such as high-quality schools and effective public transport—that underpin collective well-being.57 Second, end the extraordinary injustice of tax loopholes, offshore havens, profit shifting and special exemptions that allow many of the world’s richest people and largest corporations—from Amazon to Zara—to pay negligible tax in the countries in which they live and do business. At least $18.5 trillion is hidden by wealthy individuals in tax havens worldwide, representing an annual loss of more than $156 billion in tax revenue, a sum that could end extreme income poverty twice over.58 At the same time, transnational corporations shift around $660 billion of their profits each year to near-zero tax jurisdictions such as the Netherlands, Ireland, Bermuda and Luxembourg.59 The Global Alliance for Tax Justice is among those focused on tackling this, campaigning worldwide for greater corporate transparency and accountability, fair international tax rules, and progressive national tax systems.60 Third, shifting both personal and corporate taxation away from taxing income streams and towards taxing accumulated wealth—such as real estate and financial assets—will diminish the role played by a growing GDP in ensuring sufficient tax revenue. Of course progressive tax reforms such as these can quickly encounter pushback from the corporate lobby, along with claims of state incompetence and corruption. This only reinforces the importance of strong civic engagement in promoting and defending political democracies that can hold the state to account.

तपाईहरु सुद्द, तेजस्वी, आनन्दित, सुखी खुशी स्वोरुप्को हुनुहुन्छ तेसैकारन्ले पतित भएर कु मार्गी नबन्नुहोस। सफल बन्न चाहने व्यक्तिहरुले निरन्तर प्रयेंत्नासिल बन्नुहोस, येश कृति चाहाने ब्यकिहरुले सतकर्म जस्तै येग्गे, पूजा, पितृ परमात्मा भक्ति तर्पण समाज सेवा, राष्ट्र तथा पररास्ट्रको बिकाश प्राणी तथा महिला पुरुष हरुको बिकाश गर्नुहोस। जो व्यक्तिहरुले भगवान गुरु, ज्ञानी ध्यानी पण्डित, सच्चा साधु सन्त हरुको निन्दा तथा आलोचना गर्दछन उनीहरुले बिना कारण बिबिध दुख कस्ट तथा आर्थिक अभाब भोग्दछन येध्धेपी सबै प्राणी हरुलाई समान रुपमा हेर्नुहोस र महिला तथा पुरुष हरु धनि गरिब जो जस्तो भए पनि सर सहयोग, एक अर्का प्रति मन संमान गर्नुहोस। सधै सत्य बोल्नुहोस, केहि प्राप्त गर्न चाहाने हरुले सत बुद्दि र सत बिचारधाराको साथमा दिर्घकालिन उद्देस्य, लक्ष्य, योजना बनाएर अन्तस्करणमा बिकाश र पालनको प्रमुख लक्ष्यको साथमा धर्म अर्थ काम मोक्ष्यको उद्देस्य साथ धर्म को लागि मन्दिर येग्गे, दान, क्षेमा, धारण अर्थको लागि उद्योग, काम को लागि येग्ये सामाजिक कार्य र मोक्ष्य को लागि उल्लेखित सबै सत कार्य गर्दै गर्नुहोस र सफल बन्नुहोस -श्रीओम Your consciousness and soul are pure, radiant, happy, blissful. People who want to be successful should be constantly striving, those who want famous should do good deeds like donations, presidency the nations, Yagge, Pooja, Pitru Paramatma Bhakti Tarpan, social service, development of nation and foreign country, development of men and women. People who condemn and criticize the Lord Guru, the wise meditative Pandit, the true saints, suffer various hardships and financial hardships without any reason even though look at all creatures equally, men and women, rich and poor alike, help each other, respect each other. Always speak the truth, those who want to achieve something with honest wisdom and honest thinking by making long term goals, objectives, plans, eyesight, power of sight, faculty of sight , power of seeing, powers of observation, perception, field of vision, creativity, creative power, inventiveness, innovation, inspiration, intuition, perceptiveness insight vision. With the main goal of development and upbringing in the conscience, Dharma means work for the purpose of salvation and be success – Shreeom

Eric Arnold Planswell - Financial planning is all about figuring out how much of your paycheck is left after all the bills are paid. Contact Eric Arnold Planswell to know how to Spend your Finances wisely.

Controller. The focus of the controller—sometimes spelled comptroller—is purely internal. His or her job is providing reliable and accurate financial reports. The controller is responsible for general accounting, financial reporting, business analysis, financial planning, asset management, and internal controls. He or she ensures that day-to-day transactions are recorded accurately and correctly. Without good, consistent data from the controller, the CFO and the treasurer can’t do their jobs. The controller is sometimes called a bean counter. It’s wise to use this term correctly; some CFOs and treasurers get annoyed when it is used to describe them, as they do not consider themselves bean counters but financial professionals.

Success in business hinges on mastering the art of financial stewardship; guiding your business with a steady hand and wise financial decisions, balance is key: manage your finances with precision and foresight

What kinds of things do we do in response to stress? Sapolsky notes that our reactions are “generally short-sighted, inefficient, and penny-wise and dollar-foolish.” The body mobilizes to deal with the immediate threat. This stress response is effective in a crisis but can be very costly if you experience every day as an emergency.2

The greatest inheritance parents can give their children is not money, but the knowledge of how to manage it wisely.

Invest wisely, for time is the fuel that ignites the flame of future wealth.

If these wise White House insiders had a hard time grasping the proposed program, how would lawmakers and the public get it?

If I have something going for myself. You don't know what I have got and how I am keeping it going. It will be hard for me to listen to you or to listen to your advice, especially if you are not contributing or supporting financially or resources wise.

If they failed to choose their advisors wisely, they may become financial victims.

Christians often look to man for help and counsel, and mar the noble simplicity of their reliance upon their God. . . . If you cannot trust God for temporals, how dare you trust Him for spirituals? Can you trust Him for your soul’s redemption, and not rely upon Him for a few lesser mercies? Is not God enough for thy need, or is His all-sufficiency too narrow for thy wants? . . . Is His heart faint? Is His arm weary? If so, seek another God; but if He be infinite, omnipotent, faithful, true, and all-wise, why gaddest thou abroad so much to seek another confidence? Why dost thou rake the earth to find another foundation, when this is strong enough to bear all the weight which thou canst ever build thereon? . . . Let the sandy foundations of terrestrial trust be the choice of fools, but do thou, like one who foresees the storm, build for thyself an abiding place upon the Rock of Ages.160

Investing your personal wealth, and diversifying your security is a wise strategy to safeguard your financial independence.

of you . Not being more financially responsible about saving money for our future . Quitting my jobs without sitting down and valuing your input . Not recognizing you are my wise council. Not realizing that the majority of times, your decisions would have been right and mine were wrong. Never being able to say I was wrong for so many years. Forcing you to take diving lessons for my pleasure, not yours . Me being more interested in the baseball game than the birth of our daughter . The "Me Tarzan, you Jane" mentality I had for the majority of our marriage . Taking your clothes and giving them to goodwill when I got mad at you . Not giving you the dream marriage you had hoped for . Not being the man you thought I'd be and the one I fooled you into thinking I was . I am sorry that I ever stopped buying you jewelry to show off your beauty . Thinking I could read your mind . Thinking that I always knew what was best for you . Not bringing God into our marriage and becoming a godly man . Treating you terribly most of the time.

We give them power, to play the game Then to who do we blame we do surrender even without struggle keep quiet, we use to sit cool and calm Then to who do we blame ink, Paper pen, and human they are buying all, what they can blood in the street. is washing money rain putridity of Corpse, vanish by the status fragrance Orgy of cruelty everywhere without shame it's a new normal, as we are so tolerance just, religion cast and anti-nation where is health where is education harmony, peace, and love disappearing who is dying nearby, who is caring closed inside the malice cage, just dancing to the leader's fame Then to who do we blame the world is a market full of moon-shine shade the financial value will decide your grade the disease is a business, death is a trade I have seen, people crying for a piece of bread but, TV studio, newspaper, and twitter Filled to the brim with hate thread don't shout, shut your mouth king is sleeping, building the nation in a dream working hard for your butter and cream hunger, Poverty, thirst, nothing at all you must be a pride citizen, that's all keep burning nationalism flame otherwise, you are a traitor, damn We give them power, to play the game let them play, with our future and generation don't cry, don't cry, be little wise if we are a puppet of politics. to earn their bread and fame they need our sacrifice to earn their bread and fame they need our sacrifice

The designated occasion for clearing Babylonia’s financial slate was the New Year festival, celebrated in the spring. Babylonian rulers oversaw the ritual of “breaking the tablets,” that is, the debt records, restoring economic balance as part of the calendrical renewal of society along with the rest of nature. Hammurabi and his fellow rulers signaled these proclamations by raising a torch, probably symbolizing the sun-god of justice Shamash, whose principles were supposed to guide wise and fair rulers. Persons held as debt pledges were released to rejoin their families. Other debtors were restored cultivation rights to their customary lands, free of whatever mortgage liens had accumulated.15 Over the next several thousand years, this same list—canceling the debts, destroying the records, reallocating the land—was to become the standard list of demands of peasant revolutionaries everywhere. In Mesopotamia, rulers appear to have headed off the possibility of unrest by instituting such reforms themselves, as a grand gesture of cosmic renewal, a recreation of the social universe—in Babylonia, during the same ceremony in which the king reenacts his god Marduk’s creation of the physical universe. The history of debt and sin was wiped out, and it was time to begin again. But it’s also clear what they saw as the alternative: the world plunged into chaos, with farmers defecting to swell the ranks of nomadic pastoralists, and ultimately, if the breakdown continued, returning to overrun the cities and destroy everything.

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.

There is a kind of bravery to our condition, I reckon: brought into being without an explanation, in a potentially infinite and apparently dead universe, and expected to just get on with it as though nothing strange is going on. Well it fucking is. And it's all right to have a meltdown about the whole affair from time to time, faced with the pressures of modern existence, trying to be a good human and a good worker and a good son/daughter/parent, trying to be a good citizen, trying to be wise without condescension but uninhibited without recklessness, trying to just muddle through without making any silly decisions, trying to align with the correct political opinions, trying to stay thin, trying to be attractive, trying to be smart, trying to find the ideal partner, trying to stay financially secure, trying to just find some modest corner of meaning and belonging and sanity to go and sit in, and all the while living on the edge of dying forever.  We're all in the same strange boat, grappling with the same strange condition. But it isn't quite so scary if we all do it together. So let's do it together.

Long ago, God spoke through the prophet Jeremiah to rebuke His people for chasing after idols—worthless objects that drew them away from Him. These wasteful, sinful pursuits drained the people’s time and energy, distracting them from serving the Eternal God—the only One worthy of their worship. Today, our idols may be more sophisticated than ancient idols of gold, silver, and wood, but they are no less destructive. We may sacrifice our time on the altar of financial security but lose our integrity as we grasp for the next dollar. We may sacrifice our time on the altar of ambition but lose our families as we climb the corporate ladder. Either way, we lose. Time is a gift. Let’s use it wisely.

It is all too easy to fall into the trap of wanting to bail your children out—and before you know it they are on a financial drip feed. This erodes self-esteem to such an extent that the adult child’s level of overall satisfaction in life is drastically reduced. We have come to believe that wealthy parents must redefine what it means to “help” their children, and understand that setting limits helps them in a more fundamental and longer-term way. Our interviewees revealed a fascinating truth: Wealthy children felt most successful when they had a career that paid a living wage, were living largely within their own means, and felt as if they would be able to support their basic needs if the family money were to disappear tomorrow. The implications of this are potentially earth shattering for a wealth industry intent on transferring wealth to the next generation, because our interviewees were actually happiest—most “successful”—when they were using very little of the wealth they inherited.

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As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

10 Steps Process Requirement So that we can get a clear picture of your current financial position and your future lifestyle desires our 10-step process requires 2 meetings. Meeting #1 include steps 1 through 5 and should take no longer than 45 minutes. If in meeting #1 we determine that what we do fit with what you are looking for, you will receive 2 very short questionnaires to complete and we will then schedule meeting #2. The first is a very short and simple financial questionnaire. The second is an online communication profile that assesses how you like to be communicated to and how you naturally approach or respond to problems, information, change and risk. Both are very important to us moving forward. They help us be more effective in how we communicate your data to you. Meeting #2 include steps 6 – 10 and should take no longer than one (1) hour. In this meeting we will identify areas in which you are losing money unknowingly and unnecessarily. We will customize appropriate wealth strategies to help you become more efficient in your finances so that you can achieve your goals and objectives.