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The practice of thrift is not outdated.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.

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.

[...] 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.

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?

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

[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

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

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.

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.

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

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

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.

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.

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.

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.

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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.

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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.

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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.

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.

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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

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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

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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

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.

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.

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.

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.

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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

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.

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

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-

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

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.

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.

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.

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

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!

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.

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.

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.

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.

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.

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.