Cohortskates

Financial freedom is being responsible, which starts with being responsible to those you love.
It is not okay when you get sick, or when you die, to leave financial chaos behind you for everyone else to clean up. It will be hard enough for those around you to bear the grief of your terrible illness or death; imagine, for a minute, their pain. Please don’t force them to deal as well with all the matters you could have taken care of while you were healthy or alive.
A big part of financial freedom is having our hearts and minds free from worry about the what-if’s of life. Each of us— from those who wish creditors would stop calling to those with millions—has to face the what-if’s. It is not enough to say you’ll “get to it” or to think somehow that you already have gotten to it. It is essential to get to it and know you have planned and prepared everything in the best way possible. You faced the reality of your present financial life. You face the reality of your death.
What I have discovered with my clients is that their state of mind has a direct effect on their finances. Merely knowing that you have taken care of the people you love always, in my experience, frees up major blocks on this path to financial freedom. If you take this step, you will feel freer already—in mind, body, and soul.
If you really love your spouse, your children, your life partner, you must say you love them, think you love them, and act as if you love them—which means doing, really doing, the things specified in this chapter. I cannot tell you how many people I have met through my work who have thought they had taken care of everything, only to have their loved ones discover that they had not. Please take these actions for yourself, for your peace of mind—and most of all for tht ones you love.

Not only that, the judge can also take charge of the funds you want your children to have (for private school, camps, music lessons, prom dresses) until they are eighteen years old. [or instance, if your children are underage, and all you leave them is that life insurance policy, a guardianship for those assets is created upon your death, naming the executor or someone else as the guardian for this money. Each year the guardian has to go back to court to account for the money spent on behalf of the children during the past year. When each child reaches eighteen, regardless of each one’s ability to handle the money on his or her own, each one’s share will be legally signed ovei lock, stock, and barrel. By the time they get it, too, there will not be as much as there could have been, because every year there have been guardian fees and fees to a lawyer to do the guardianship reporting.

If you die with a trust, on the other hand, while the courts still have the final say over guardianship, you at least can make the important decision of how, when, and for what purposes your children will receive the money you are leaving them. You assign a successor trustee (your chosen guardian, for example) or two or three or however many you like, specify when you want your children to receive their money, how you’d like that money to be used until that time, and poof, it’s done. The successor trustee(s) takes care of your children’s financial lives on your behalf. No yearly reporting, no fees, no nothing.
Think trusts are for old people who are likelier to die? Think again. Trusts are for people who are lucky enough to live among people they love. Trusts are for people who are responsible to those they love.

Okay, you’re thinking, this all makes great sense. But I’m only thirty-nine, and I did a will when we had children. The will says who the kids would go to if something happened. My best friend, Joe, would be the guardian; we’ve already talked aboutit. Plus I don’t really have that many assets yet, though I have a nice-size life insurance policy, just in case. That trust sounds like a good idea for when I’m older.
Not true. Particularly when you have children, the earlier you do your revocable living trust the better, even if you don’t have a lot of money. If your children are very young, should anything happen to you, they may be at much greater risk than you can imagine. Say you’re killed in an automobile accident. It happens every day. Even if you do have a will, your will does not have the power to assure that Joe, your best friend in this world, will be the legal guardian of your children. A will can only express your wishes. The court always has the last decision when it comes to who is appointed legal guardian of your children.

HAVE YOU EVER arrived at the scene of an accident on the highway and thought, Oh, God, I’ve really got to get around to doing my will? Has a friend or colleague ever had a cancer scare that made you think, I’ve got to make arrangements for my children in case anything happens to me? Does turbulence when you’re flying somewhere remind you in the pit of your stomach of all the affairs you don’t have in order? But a few minutes later the traffic starts moving, your friend’s scare turns out to be nothing, the turbulence dies down, your thoughts move on to something else, and everything is back to normal.

Steps to follow
You have taken the first steps to financial freedom by facing the memories and fears that have kept you from dealing with your money. You have also started to recover the power and strength that enable you to be in control of your money—the money you have now and the money that will come to you.
But going back to the past is in itself not enough to create the future you want. Financial freedom requires not just insights but also actions, and to carry out these actions you must learn about money and how it needs to be treated. True financial freedom is not only having money, but having power over that money as well.
You will learn how to manage your money and create more. I will talk about the numbers that follow the dollar sign—facts, figures, how it all works. Don’t let the numbers scare you. There is no financial computation you’ll need to make that can’t be done on a pocket calculator. You will soon be able to trust yourself with numbers more than you ever thought you could. You will soon see, too, that you have more than what it takes to manage your money on your own (a message, by the way, that the commissions- oriented financial industry would rather you never learn).
These three steps, as you’ll see, are “must-do’s” to ensure that the money you have now will grow, that the money you want to create will indeed come your way, and that your money will help take care of you and the people you love when you need it to.
Remember the goal you wrote down for yourself when you first picked up this book? Please pull it out now and look at it again. You are about to take the step-by-step actions to make that goal reality.

If you enrolled in high school because your friend are also enrolling in that school. College school is different you cannot just enroll to a school because you have your friend in the school. It is because of the course you have chosen. Your choice of course in college is your decision not from your friends and not just because your parents says so. The choice is depending on what is your goal in life and what you wanted to be. Most students choose a course that they are interested to.

Like these days taking up nursing course is one of the choice of most high school graduates and parents. They say that nurses is one of the course that is in demand that is why more and more nursing school are starting to came up and offer course. But there are investigation that not all them are accredited by the government. Some just wanted to earn because they know more students are looking for a nursing schools. But how can we say if they really are accredited and are teaching a quality education without reading information about them or paying a visit on their school. Asking students if how the school was and asking parents if they are satisfied with their teachings.

Great news! you can now find a website in the internet about this nursing schools. if you are a busy mother and don’t have time to search for a good school for you children. I advice you do the research online. You can find many results. But lpn school helps you find more schools and with them you can easily decide o\if what school are you going to.

Be sure to choose for the course that you really like, this is for an assurance that you will finish the course whatever it takes.

Rely on qualified repair and service to keep your furnace in shape. All furnaces, especially the oil-fired variety, need annual end-of- summer inspections. Burners need cleaning, oil nozzles need replacement, and often the electrodes and ignition device need cleaning and adjustment. None of these are jobs for the weekend handyman. You can locate qualified furnace technicians through your mobile home park operator, your fuel supplier, a list of authorized technicians in your Owner’s Warranty package, or the telephone directory.
You need a competent gas technician to convert your natural gas system to Ip gas or vice versa. He can also see problems developing and correct them before your furnace fails. Schedule yearly furnace inspections into your budget; they may save you large repair bills and inconvenience later.
You also want dependable service fast when heating emergencies occur. For example, anytime you smell burnt oil or gas, you need a technician. Combustion should be odorless. Turn off the furnace. Open your windows. Call your repairman immediately. He’s more likely to respond quickly or at odd hours if you’re a known customer.

What do you do when you turn up the thermostat and nothing happens in the furnace? First go to your fuse box and reset the circuit breaker. Go back to the thermostat. Turn it all the way down for 30 seconds, and then set it somewhere above the room temperature. If the furnace still does not switch on, service the thermostat, seeking dirt and loose wires.
If you don’t find a fault in the thermostat, look for loose wires at the furnace. Reset any circuit breakers in the furnace compartment. Examine fuses, if there are any. Replace blown ones with new fuses of the same amperage.
When you have plenty of fuel, and you know electric power is on, yet the furnace won’t operate, call a technician.

Thermostats play a big role in heating and cooling efficiency. They suffer most from getting dirty. Wires do come off of terminals. Sometimes a thermostat needs replacing. A thermostat is a sensitive item of equipment. Some have maintenance warnings. Pay attention.
Don’t tamper with calibration. But you can become familiar with the thermostat’s workings. Remove the cover and look at the mechanism. You’ll find some with coil springs for calibration; others have transistors. Some models have terminals on the front panel only; others have them on front and back.
Dirt and lint—even hair—in the mechanism brings on thermostat malfunction. Clean the coil-type with a thin piece of paper. Work in and around the coil gently, to avoid bending it out of calibration. With your breath only (no compressed air), lightly blow dust from non- spring types. Do not use a vacuum cleaner or a blowing appliance such as a hair dryer.
Loose wires prevent a thermostat from working properly. Turn off the circuit (at the breaker) that powers the furnace and the thermostat. Remove the cover, Inspect the screw terminals that hold wires. Even if they appear tight, tug on the wires gently with your fingers or push with your screwdriver. Tighten any loose wires. Watch out for loose copper strands that may touch something they shouldn’t. Stranded wires must be twisted tight before being fastened under the terminal screws.
Remove the thermostat from the wall and look for loose wires behind it. Do this gently. You don’t want to fish loose wires out of the wall. If cleaning and tightening do not remedy an ailing thermostat, you need a furnace technician.