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  • What are your beliefs about finance and what habits have you developed because of your  beliefs? What and who is your source of information concerning finance? The source must be reliable and knowledgeable. In addition, you should understand how the information applies to you and your circumstances.




  • What goals would you like to accomplish and why do you want to accomplish them? Write your goals down for the next month, 6 months, one year,  5 years, and 15 years and so on, also how you intend to accomplish them.




  • What do you have available to work with, from skills, talents, investments, savings, job and connections that can produce income?




  • Who outside of your immediate household, would you be legally or morally responsible to assist if they need help?




  • What do you look like on paper, from income tax records to credit reports, assets, liabilities, and other documents that people evaluate, to determine whether or not to give you approval on whatever it is you are applying for?




  • People are not on this earth only to take. We also must be givers of our time, talents & our money, as we are lead by clarity of our heart. Without giving good growth and success is impossible.



  • Most people do not save or invest their funds to pay for medical bills, loss of income due to death, disability and other unfortunate circumstances, but these things happen. Eliminate as many insurable areas as possible that can put you into financial hardship.




  • There should be between 6 to 8 months of your monthly expenses in a savings account. This removes the fear of job loss, slow business and other unpaid events.




  • As you work for your money now, properly investing it will allow you not to work as hard for it later. There are various levels of investing, knowing what you want to accomplish and when, is part of the process.




  • A plan is needed concerning the distribution or management of your assets in the event you are unable to do so yourself.




  • It is important to keep in mind that situations can change, such as jobs, laws, marital status and others. Therefore, your plan may need periodic updating.

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