A Quote by Jean Chatzky
There are two things that you need to save for. First, you need an emergency cushion of no fewer than six months of living expenses. This needs to be cash in a liquid account where you can get at it in - yes - an emergency if you need it. In other words, money markets, not CDs. You also need to save for your future: that means retirement.
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You have no control over the market. You can't predict where it will go, and you can't bring it back from the depths. What you can do is save more. Make sure you have cash on hand - an emergency fund of at least six months of expenses.
If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.
If you have loans, the first thing you want to do is say, "Okay, look I have a credit card, if I really need to borrow, I have this emergency money that I can get, but for now there is no reason for me to keep cash at zero percent interest rate and at the same time, pay all of this money out. So, I think people need to figure out quickly how to pay loans and how much cash they should really keep.
We need your help. I need your help. We need money for research. It may not save my life. It may save my children's life. It may save someone you love. And it's very important.
I don't save money. Save is a four letter word! I like to borrow money because I can get richer faster on borrowed money. I have what is called retained earnings, so I don't have to save money. If I need money, I will go out and borrow it.
Well the specific role of the World Bank is to be ready with financial assistance immediately after this emergency takes place because you need to reconnect water, you need to reconnect power, you need roads, you need bridges, and that has to be done urgently.
We need enlightenment, not just individually but collectively, to save the planet. We need to awaken ourselves. We need to practice mindfulness if we want to have a future, if we want to save ourselves and the planet.
The two things that can hurt you are if you need money or if you need fame. Those are the things that can be your Achilles' heel. But if you don't need money and you don't need fame, then you're free.
The two things that can hurt you are if you need money or if you need fame. Those are the things that can be your Achilles heel. But if you don't need money and you don't need fame, then you're free.
If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.
You know I need a dream Like I need my breath We need to take the life Before we get the death You know I need your love Like I need the light Yes I need the chance Can it be tonight?
I'm always on the road, and I drive rental cars. Sometimes I don't know what's going on with the car, and I'll drive for ten miles with the emergency brake on. That doesn't say a lot for me, but it doesn't say a lot for the emergency brake. What kind of emergency is this? I need to not stop now. It's not really an emergency brake, it's an emergency make-the-car-smell-funny lever.
Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money.
Humanity is no longer the same. Its needs are no longer the same, and the needs of all around the world are recognizable. We need jobs. We need food. We need shelter. We need health care. We need education. These few things are the absolute necessities of all people everywhere, and yet even in the most-developed world, like America and Europe, no one has all of these things by right, unless they have money - and this is the rub.
We need a global approach to this from all sides. We need to educate people, we need the scientists to create new technologies, we need the engineers to create the networks, we need every human being to be aware of how precious water is and save it. Everybody has to be involved in a very firm and assertive way.
If you have it you don't need it. If you need it, you don't have it. If you have it, you need more of it. If you have more of it, you don't need less of it. You need it to get it. And you certainly need it to get more of it. But if you don't already have any of it to begin with, you can't get any of it to get started, which means you really have no idea how to get it in the first place, do you? You can share it, sure. You can even stockpile it if you like. But you can't fake it. Wanting it. Needing it. Wishing for it. The point is if you've never had any of it ever people just seem to know.
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