A Quote by Jeff Raikes
When families save, they can get through emergencies like a bad harvest or a medical emergency. But it's more than that. They can also plan for the future, gradually saving up for a small business or for their children's school tuition.
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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.
I like business, and the truth is I save way more than I spend. I invest. I plan for the future. I have a special eye for opportunities and work harder than anyone might expect.
As you prepare for the many things that fall brings, such as school, harvest and winter, it is important to be prepared for the unthinkable. Supplies and a plan will significantly reduce panic and chaos in the event of an emergency.
Arizona is a national leader in school choice with both charter schools and tuition tax credits giving parents and their children more school choices than ever before.
When one plan that you have, to get this or to get that, to advance in the world, or whatever it might be, when that seems in danger of veering off the path you have set for it, you have your emergency plan ready. And in simple language what that emergency plan is, what you put into operation, is called worry. If you can worry you are occupied, and what an incredible human situation it is!
I want to make college debt-free and for families making less than $125,000, you will not get a tuition bill from a public college or university if the plan that I worked on with Bernie Sanders is enacted.
I like the concept of the penny plan - not for the military because the military we have to build up. But we can save probably in many case more than a penny if you look at it. I mean, the penny plan is a pretty good plan, and it's a pretty simple plan.
I decided to take two years between finishing undergraduate and beginning medical school to devote fully to medical research. I knew that I wanted to go to medical school during undergraduate, but I was also eager to get a significant amount of research experience.
We have a duty to ensure that patients don't have to worry whether they'll be dropped from their coverage if they get sick. Small business owners shouldn't have to break the bank to provide coverage to their employees. And families should not be forced into bankruptcy because of a medical crisis.
I cannot be alone in being pretty nauseated by Red Nose Day, or at least its television manifestation. Do I think that wretchedly poor children in Africa should get food and life-saving drugs? Of course. Do I want to be hectored into contributing by celebrities who earn more in a 10-minute slot than many of these families get in a year? Nope.
In my belief, a harvest is also a legacy, for very often what you reap is, in the way of small miracles, more than you consciously know you have sown.
All of us are responsible to provide for ourselves and our families in both temporal and spiritual ways. To provide providently, we must practice the principles of provident living: joyfully living within our means, being content with what we have, avoiding excessive debt, and diligently saving and preparing for rainy-day emergencies. When we live providently, we can provide for ourselves and our families and also follow the Savior's example to serve and bless others.
Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.
The first step to becoming a more peaceful person is to have the humility to admit that, in most cases, you're creating your own emergencies. Life will usually go on if things don't go according to plan. It's helpful to keep reminding yourself and repeating the sentence, "Life isn't an emergency".
It seems to be a general belief that the will of God is to make things distasteful for us, like taking bad-tasting medicine when we are sick, or going to the dentist. Somebody needs to tell us that the sunrise is also God's will. There is the time of harvest, the harvest which will provide food and clothes for us, without which life could not be sustained on earth. God ordered the seasons-they are his will. In fact, the good things in life far outweigh the bad. There are more sunrises than cyclones.
What it means to be a man is to take on all the emotional pain and work through what you got to work through with the people you love while at the same time getting your business done. And it's tough. I think that most children when they grow up they kind of realize that the things they didn't like about their parents or didn't understand about them they get now and that you know every year you get more responsibilities. You get more overhead. You get more things you got to take care off.
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