Financial literacy is the knowledge necessary for managing your personal finances. This is indeed a necessity for financial health. It will create a perspective that will allow you to avoid financial pitfalls. Most importantly, this will help you come up with wise decisions involving your hard-earned money. Experts highly emphasized that if you understand financial literacy, you’ll be able to make excellent choices and come up with a very strong financial management habits.

Financial Facts

When children leave their homes for college, they will certainly face a lot of new responsibilities, experiences, and environments. In order to help your student in this transition, they must be aware of the financial facts of life. These include how to open the first checking account or perhaps how to make the first purchase using a credit card. They must be ready to enter the world of becoming independent. Most people today view managing money as a symbol of independence and maturity.

Make sure that they fully understand the fundamentals of personal finance as this will guarantee that they know how begin their financial future. As a parent, be aware that you are the most important source of financial education for your young ones. Though it is not easy to talk about money, discussing personal finance with your children will show that you see them as responsible young adults.

Great Tips For Interacting With Your Kids About Money

Approach the conversation with an optimistic attitude.
Since laughter can help, consider lightening the mood with a joke.
You must set a tone of openness, trust, and confidence.
Ask several questions, and be sure to listen to the answers carefully.
Do not make it look like a lecture but an equal exchange.
Do not bring up an old financial disagreement.
Ensure that your kids know that they can always turn to you in case they will need financial help, information, and advice.
A great way of teaching your children about the fundamentals of finance is to develop a budget for college.
How To Develop A College Budget

List your regular monthly expenses.
Know your total income – these may include part-time job, financial aid refunds, and allowance.
Subtract your expenses from your income to determine if the budget is reasonable.
When the expenses are more than your income, you must work together in order to reduce your expenses until the numbers agree.

Everybody in the working age group right from a fresher out of college to retired professional needs a financial planner. If you handle finances in any way right from planning a household budget to running your own business you will have to meet with a qualified financial adviser.

A qualified financial adviser is essential to our lives and they can prove to be the crucial difference between our success and failure financially. Rule number one is to find a financial adviser who finds time to explain things clearly to you. Knowledge is power and when you invest with knowledge and not just blind faith, you become better at it. You will becomes steadily better at saving and investing and generally be in control of your life. Most people have no clue about where exactly their money is invested and what they could have earned by investing in something else. This approach to investing will not work. Your financial adviser should be able to fully explain all options open to you keeping in mind your ultimate financial goal. He should be willing to share information on all options available and not just peddle investment he has a good commission on.

It is always better to seek independent financial advisors who have several products in their basket. They will be able to identify apt products for you. A financial advisor attached to one particular institution will only be trying to sell his company’s products and may not have your interests at heart.

They should be willing to provide examples and proof of their financial plans with other clients. So you can have proof of how much a person in the same situation as yourself has earned by investing in the same concern. Ask to see proof of previous performance. By asking this pertinent question you can really choose a financial adviser like an expert. You can also benefit by asking the financial experts further questions by using these templates. You can find out if the advisers had really given the outcome they promised, and how sensitive they are to customer’s needs. Check the financial planner’s credentials; this is an obvious tip to give, but really check if they are the right people for you.

Find out how commissions to the financial planner are calculated. If they get commissions only on products they sell or the earnings made by the investor. It is always better to pick the latter as they will be interested in making more money for you. Go online and check with their websites read thoroughly about their expertise and work ethic.

People are afraid to ask questions but by asking the right questions you can be in control and actually’ plan’ your finances instead of just investing and hoping for the best. All these tips given are practical and require no prior knowledge of finances and will help take you one step closer to financial freedom.

The origin of the term ‘money’ is ‘man of the eye’ or ‘Man-eye’. To understand that the Spirit took me back to Babylon and the birth of Islam. This happened following my reincarnation and strong link to the Spirit of the Universe, the real God. It commissioned me to tear down the wall of blindness and bring in the harvest. To do the job it provided the Internet where it speaks to the world and the things shown to me are now published.

It is all free and the Internet is the Mountain of God promised to appear in the last days (Micah 4:1). It was also promised that the Spirit will speak to the world and address a great controversy (Jeremiah 25:31,32) and that this will happen through the voice of a woman (Isaiah 42;14). She is called the daughter of Zion (Micah 4:8,10) and the place of this new teaching is Mt. Zion.

While man thinks he is in control it is the Spirit who leads and guides and nothing happens except it is part of the plan that has delivered us to this time. It has also delivered everyone back who has lived which accounts for the enormous spike in the population. This is the day of judgment and all who have failed to keep the laws of the Spirit will be removed permanently.

Those of the Spirit were seeded with it at the start of the day of the lord, some 4,000 years ago. They are called the children of Israel and to keep their link they had to obey the rules set down in the Old Testament prophecy. Chief among them is the command to listen only to the voice within and never to worship idols or false gods.

Man’s inventions were actually those of God who created numerous idols to tempt and test them. Only the strongest who resisted all temptation are to be redeemed. They suffered the pain and torture inflicted on them before dying many times in horrendous ways(Job 8:19-22). Despite it they continued to serve only the Spirit who put up the religions and the 2 beasts of Revelation 11:3ff.

Money is the great idol of the modern era. It causes a complete disunity with the Spirit and is the instrument of greed, lust, and corruption. Those who seek to acquire and accumulate it are not the spiritual of God and they have no part in the harvest (Revelation 20:12-15).

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