Your money or your life robin pdf,guided mindfulness and meditation techniques,how to get books for free on kindle,frugal living tips and ideas - Good Point

admin | reflection of the past meaning | 05.04.2015
One of my favorite books regarding work life is called Your Money or Your Life by Joe Dominguez and Vicki Robin. Sign Up NowSign up for our FREE "Your Money & Your Life" personal finance newsletter.Where money and living well fit together. The stock market has been outperforming the economy and investors were just starting to get comfortable again when the market began to decline. Bill and Mary provide monthly conference calls exclusively for their clients.  Listen below to a call, recorded on July 24, 2014. When we visited the Galapagos a few years ago, we discovered that their giant tortoises - that can live and prosper up to 200 years - have much in common with Staton Financial's conservative "uncommon common-sense" investing style. Bill recently spoke at the Farm Credit Associations of NC Spring Conference.  His topic, "Worry-Free Personal Finances" walked through Bill's 8-Point Checklist of Healthy Attitudes for Financial Success and the 7 Elements of a Winning Investment Strategy.
In his annual report letter to Berkshire Hathaway shareholders in 1994, Warren Buffett stressed his strategy of buying great businesses at fair prices, which is exactly what our laser focus is for all of our clients. If we make enough purchases at fair prices, we should end up with some bargains in the process. Bill and Mary provide monthly conference calls exclusively for their clients.  Listen below to a call, recorded on March 20, 2014.
Economic and market historian Bill Staton talks about a Benjamin Graham quote and how the same philosophy carries through the Staton Financial approach.
We recently ran across an article on another blog, "A Wealth of Common Sense" posted on March 6, 2014.  Millennials (and non-millennials) may find this article particularly interesting.
Almost everyone was financially affected by the 'Great Recession.' If you're looking at your retirement and thinking, 'what next,' we're here to help. Unfortunately, many in the business of delivering financial advice seem to see your money and your life as important, but competing, objectives that you have to choose between. Most advisors will administer a multiple choice “risk tolerance questionnaire” to determine how much investment risk you think you can stomach. I’ve seen and heard many advisors argue that you shouldn’t reduce your debt with investment dollars.  Their argument is that over time, the return on your investments should exceed the cost of your debt and you can get more leverage from your dollars by carrying the debt. Imagine all financial decisions being driven by what’s most important to you and your family. Get the free, 12-day email course from Wealthcare for Women to start learning how to powerfully deal with your financial situation and take control of your money.
And I believe that the balance between your money and your life is one of the most important aspects of professional financial advice.  You need to strike a healthy and comfortable balance between enjoying the fruits of your labor today while still having rational confidence that you’re prepared for the uncertainties that inevitably lie ahead in each of our lives. To better understand the nature and scope of the advisory services and business practices of Wealthcare Capital Management, LLC, please review our SEC Form ADV Part 2a, which is available here. We've launched an all-new version of Coloribus.It's a brand new set of tools for the perfect workflow. Use the Retirement Shortfall Calculator to find out how long your current savings will last. Learn everything you need to know about organizing, planning, and taking control of your finances. The following summary by editor Clare Moss with Laurence Toltz was written to introduce people to the nine-step program in Your Money or Your Life, a best seller book about transforming your relationship with money and achieving financial independence.
Once you have changed the nature and function of your interaction with money, through following the steps, your relationship with money will be transformed — you will reach new levels of comfort, competence and consciousness around money. Through the hundreds of letters we’ve received, we know some of the ways people’s lives have been enriched by following the program in this book. With a great sense of freedom and relief, they learn how to distinguish between the essentials and the excess in all areas of their lives and how to unburden themselves. Their new financial integrity resolves many inner conflicts between their values and their lifestyles.
Money ceases to be an issue in their lives, and they finally have the intellectual and emotional space to take on issues of greater importance. At a tangible level, they retire their debts, increase their savings and are able to live happily within their means. They increase the amount of their ‘free time’ by reducing expenses and the amount of time on the job.
They stop buying their way out of problems and instead use such challenges as the opportunity to learn new skills.
Overall, they heal the split between their money and their life — and life becomes one integrated whole.
The old road map for money has trapped us in the very vehicle that was supposed to liberate us from toil. Our old financial map, instead of making us more independent, fulfilled individuals, has led us to a web of financial dependencies. Being so confused by money that you leave it to the experts, who in turn feed on your ignorance. Exploring the following concepts will transform your relationship with money and will lead you to FI — Financial Intelligence, Financial Integrity and even Financial Independence.


In order to gain Financial Intelligence you first need to know how much money you already have earned, what you have to show for it, how much is coming into your life and how much is going out.
One tangible outcome of Financial Intelligence is getting out of debt and having at least six months of basic living expenses in the bank. Financial Integrity is achieved by learning the true impact of your earning and spending, both on your immediate family and on the planet. Financial Independence is defined as having an income sufficient for your basic needs and comforts from a source other than paid employment. Psychotherapist Douglas LaBier documents this ‘social dis-ease’ in his book Modern Madness.
If the daily grind were making us happy, the irritations and inconveniences would be a small price to pay.
Perhaps we cling to our affluence — even though it isn’t working for us or the planet — because of the very nature of our relationship with money. At the same time, between the ads, our televisions, radios and newspapers are reporting the bad news about the environment.
Transforming our relationship with money and reevaluating our spending activity could put us and the planet back on track.
The book Your Money or Your Life has a privately held copyright with all rights reserved by Vicki Robin. Read Forbes Magazine’s spotlight article applauding Rick Van Ness and his short how-to video tutorials. While it doesn’t have all the answers, it did open my eyes to the idea that each moment is a trade-off. Other variations on the title include registered representative, financial counselor and financial consultant.
That caused investors to wonder about the safety of their retirement savings, a hurdle many believed had become a thing of the past in this recovery. We have invited two of Charlotte's financial advisors to evaluate the current market, where it's headed and how to plan for it. He proposes interesting idea to pay providers a bonus for improved health outcomes, on top of fees for service; but doesn't discuss health savings account idea, and believes reducing cost (as opposed to improving quality & expanding access) is unimportant! Then, to make matters worse, they’ll typically design your investment portfolio to position you at your stated maximum level of risk based, of course, on your questionnaire.  What if you want to take as little risk as possible? This is dangerous ground, and I’ve seen some really scary numbers and rationalizations used. And, if the situation called for it, what is an Acceptable level of risk you’d be willing to tolerate if it meant the difference in reaching your goals.
This is where we can embrace the uncertainty of the markets and “stress test” your plan and its assumptions through the use of probability testing, or what is often referred to as a Monte Carlo simulation.  This isn’t a perfect science, but it is a much better solution than the use of simple, straight-line return assumptions. Instead, I hope you’ll begin to understand that financial decisions and financial advice are all about balancing trade-offs based on what’s most important to you. Past performance is not a guide to future returns. Before acting on any analysis, advice or recommendation in the above content, you should seek the personalized advice of legal, tax or investment professionals. It was life-changing for me when I first devoured it 25 years ago because it gives us a practical way to achieve a fulfilling life that is consistent with our personal beliefs and values.
It guides you through nine steps to transform your relationship with money and achieve financial independence in a way that is fully consistent with your deeply held beliefs and values. Do all the pieces — your job, your expenditures, your relationships, your values — fit together? That relationship encompasses more than just your earning, spending, debts and savings; it also includes the time these functions take in your life. What these books have in common is that they assume your financial life functions separately from the rest of your life. From birth to death we have become financially dependent — on our parents for our first financial sustenance, on ‘the economy’ in order to get a good job, on ‘the job’ for our survival, on ‘unemployment’ handouts to tide us over between jobs, on our pension to pay our way in old age and on Medicare if we get sick before we die. For many people, material possessions went from fulfilling needs to enhancing comfort to facilitating luxury — and even beyond to excess.
You also need to know what money really is and what you are trading for the money in your life.
It is knowing what is enough money and material goods to keep you at the peak of fulfillment — and what is just excess and clutter. It is also independence from crippling financial beliefs, from crippling debt, and from a crippling inability to manage modern ‘conveniences’ — from repairing your car to fixing your central heating. You are free of the guilt, resentment, envy, frustration and despair you have felt about money issues.
We project onto money the capacity to fulfil our fantasies, allay our fears, soothe our pain and send us soaring to the heights.
If we have the money, we can buy whatever we want, whether or not we need it, use it or even enjoy it. We need to learn from our past, determine our present reality and create a new, reality-based relationship with money, discarding assumptions and myths that don’t work.


It’s a word we use every day, yet we are practically incapable of recognizing it when its staring us in the face.
I’ve seen some advisors use “conservative” projections in their planning work, but they still assume straight-line investment returns which means they pick an assumption and project that the client will experience this return each and every year into the future. Maybe it would be Ideal for you to have no debt and you want to include a plan of action to eliminate your debt in your overall strategy.
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In addition, your relationship with money is reflected in the sense of satisfaction and fulfillment that you can get from your connection to your family, your community and the planet.
Unlike the past, problems began to emerge that could not be solved by providing more material goods. One of the keys to creating your new road map is what we call Financially Independent ‘FI Thinking.’ This is the process of examining those basic assumptions that you have unconsciously adopted, of evaluating your own road map. Aren’t we killing ourselves — our health, our relationships, our sense of joy and wonder — for our jobs? Participants in our seminars, whatever the size of their incomes, always said they needed ‘more’ to be happy.
Product manufacturing is polluting the groundwater, deforesting the Amazon, fouling the rivers, lowering the water table, depleting the ozone layer and changing the weather.
I do have to moderate comments to filter out the hundreds of spam comments I get each day, but I usually approve them within 24 hours. But then again, if the situation called for it, maybe it would be Acceptable to you to continue to carry a 1st mortgage on your home for the time being. The planet itself began showing signs of nearing its capacity to handle the results of our economic growth and consumerism — water shortages, topsoil loss, global warming, ozone holes, species extinction, natural resource degradation and depletion, air pollution and trash buildup are all signs that our survival is in question. We asked people to rate themselves on a happiness scale of 1 (miserable) to 5 (joyous), with 3 being ‘can’t complain’ and we correlated their figures with their incomes.
We have taken our right to consume to heart, and perhaps placed it above other rights, privileges and duties of a free society. To let go of clutter, then, is not deprivation, it’s lightening up and opening up space for something new to happen. It will take you back to basics — the basics of making your spending (and hopefully your saving) of money into a clear mirror of your life values and purpose. We are spending so much of our precious time earning in order to spend that we don’t have the time to examine our priorities. Even though we ‘won’ the industrial revolution, the spoils of war are looking more and more spoiled. Enough for you may be different from enough from your neighbor– but it will be a figure that is real for you and within your reach. Eventually we may have all the comforts and even luxuries we could ever want, but inertia itself keeps us locked into the nine-to-five pattern. It’s appreciating and fully enjoying what money brings into your life and yet never purchasing anything that isn’t needed or wanted. I’m sure Vicki would be delighted if you were to first look for it in your library—you’d be off to a promising start! It helps to prioritize things - figure out how you should spend your time, maybe even what your life is worth and what is important.It may help you figure out if the job you are doing is really worth it.
What we need is a new financial road map that is based on current global conditions and offers us a way out. From this place, being suffocated under a mountain of clutter that must be stored, cleaned, moved, gotten rid of and paid for on time. But if we have implicitly agreed on this money for time swap, then it makes sense to really think about what you are doing with your time.The concept may be very useful when looking for a job. Because a tough market is the one in which you are more likely to make decisions that you will regret later, when you are stuck doing something that feels like a waste of time.The concept can even be useful in your daily work in a job you love. Having the power to say no will open you up to having more time for things that really matter, those things that will be key to your success.And if you have choices to make - choices after a layoff, choices about a job offer, choices about going back to school or trying a new career - this book might help you to decide which way to go. When I say only choose a job that you are really interested in, I am not talking about not surviving.
If you put yourself into a corporate position that demands all your time, thought and energy, what does that leave for you? If time were a bandit - and it is - and it were holding a gun to your head - which it is - and saying, “Your Money or Your Life,” which would you choose?Any questions?



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