9 reasons to start your retirement planning now
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The document outlines nine reasons for starting retirement planning early, emphasizing the importance of time and investment for financial security. It discusses anticipated monthly expenses and the impact of inflation, urging individuals to save and invest wisely to avoid being a financial burden later in life. The author encourages readers to enroll in a free course for further guidance on managing financial growth.
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The document discusses the importance of early investment and how delaying savings affects financial outcomes for retirement. A comparison of future values illustrates the significant differences in savings between starting at ages 25 and 35, emphasizing the need for higher contributions if saving begins later. The article concludes that prioritizing saving over reliance on market returns is crucial due to inherent market volatility.Lessons from the_intelligent_investor
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This document discusses 3 ways to make your retirement savings last as long as you do:
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2. Cover all retirement income options like annuities versus continuing to invest, and seek advice to understand your choices.
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The document discusses common retirement planning mistakes to avoid, emphasizing the importance of having a clear retirement plan, starting to save early, maintaining adequate life insurance, and preparing for emergencies. Key decisions that affect retirement lifestyle include timing of retirement, investment strategies, and insurance choices. Proper planning and proactive measures can help ensure a secure and enjoyable retirement.Retirement planning
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The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the 3-legged stool model of pensions, Social Security, and personal savings. It also explains concepts like the Rule of 72 for calculating investment growth and outlines options for working with the company, including becoming a client or pursuing a part-time or full-time career.Key Principles Infographic
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The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the traditional three-legged stool model of pensions, Social Security, and personal savings being replaced by personal responsibility. Examples show how investment returns and starting early can significantly impact savings outcomes over time. The importance of protecting against losses through diversification is also covered. The document is produced by World Financial Group to help clients, potential clients, and associates understand fundamental financial principles.FETP Session 8 - Financial Planning
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Key Topics Covered:
-Debunking Retirement Myths: Discover why aging doesnt mean declining productivity, why work provides purpose, and how to leverage experience for wealth creation.
-Financial Preparedness: Learn to fund your lifestyle through pensions, social security, side gigs, and entrepreneurship, with a focus on Zimbabwes economic landscape.
-Investment Mastery: Unlock the power of compounding, diversification, and tax-efficient strategies to grow wealth while minimizing risks.
-Estate Planning Essentials: Protect your legacy with wills, trusts, and proactive steps to avoid probate and estate taxes.
-Emergency Funds & Financial Security: Calculate your "dream lifestyle" costs, build a safety net, and achieve financial independence.
-10 Commandments of Wealth: Practical principles like "Pay Yourself First" and "Never Retire" to stay financially unshakeable.
Why This Guide Stands Out:
-Zimbabwe-Specific Insights: Tailored advice on navigating pensions (NSSA), informal employment challenges, and economic volatility.
-Actionable Frameworks: Exercises, checklists, and real-world examples (e.g., KFCs Harlan Sanders) to inspire immediate action.
-Holistic Approach: Combines spiritual fulfillment ("work as creation") with pragmatic financial tactics.
-Expert Guidance: Authored by Terrence T. Mugova, MIFM, a seasoned financial coach and founder of Educate, with accolades in entrepreneurship and financial literacy.
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-Entrepreneurs seeking passive income streams.
-Zimbabweans navigating economic uncertainty.
-Anyone striving for financial independence and legacy building.
Transform Your Future Today: Break free from the poverty trap, master your money, and design a life of purpose and abundance.
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Key Topics Covered:
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-Financial Preparedness: Learn to fund your lifestyle through pensions, social security, side gigs, and entrepreneurship, with a focus on Zimbabwes economic landscape.
-Investment Mastery: Unlock the power of compounding, diversification, and tax-efficient strategies to grow wealth while minimizing risks.
-Estate Planning Essentials: Protect your legacy with wills, trusts, and proactive steps to avoid probate and estate taxes.
-Emergency Funds & Financial Security: Calculate your "dream lifestyle" costs, build a safety net, and achieve financial independence.
-10 Commandments of Wealth: Practical principles like "Pay Yourself First" and "Never Retire" to stay financially unshakeable.
Why This Guide Stands Out:
-Zimbabwe-Specific Insights: Tailored advice on navigating pensions (NSSA), informal employment challenges, and economic volatility.
-Actionable Frameworks: Exercises, checklists, and real-world examples (e.g., KFCs Harlan Sanders) to inspire immediate action.
-Holistic Approach: Combines spiritual fulfillment ("work as creation") with pragmatic financial tactics.
-Expert Guidance: Authored by Terrence T. Mugova, MIFM, a seasoned financial coach and founder of Educate, with accolades in entrepreneurship and financial literacy.
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-Professionals rethinking retirement.
-Entrepreneurs seeking passive income streams.
-Zimbabweans navigating economic uncertainty.
-Anyone striving for financial independence and legacy building.
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The document contains information from a retirement calculator and savings calculator. It provides details on calculating monthly contributions needed to achieve a $1,000,000 retirement fund by age 65 depending on when savings begins. It also shows that starting contributions at age 20 with $250 monthly and 9% return for 10 years results in a $987,599 retirement fund by age 65 with only $30,000 contributed, while waiting until age 30 doubles the contributions needed.More from Ganesan Thiru (8)
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Environmental Science, Environmental Health, and Sanitation Unit 3 | B.Sc N...RAKESH SAJJAN
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This PowerPoint presentation covers Unit 3 Environmental Science, Environmental Health, and Sanitation from the 5th Semester B.Sc Nursing syllabus prescribed by the Indian Nursing Council (INC). It is carefully designed to support nursing students, educators, and community health professionals in understanding the environmental components that influence health and disease prevention.
The unit emphasizes the interrelationship between the environment and human health, highlighting various environmental factors, hazards, and strategies for disease prevention through sanitation and public health initiatives.
鰹 Topics Covered in the PPT:
Definition and scope of environmental science and environmental health
Importance of a safe environment for public health
Types of environmental pollution air, water, soil, noise, and radiation
Sources, effects, and prevention of different types of pollution
Concept of ecosystem and its components
Water safety and purification methods at household and community levels
Disposal of waste and excreta types, methods, health risks
Introduction to environmental sanitation
Vector control measures: Mosquitoes, houseflies, rodents, etc.
Biological and non-biological health hazards in the environment
National programs related to environmental health and sanitation
Health education for safe water, hygiene, and sanitation behavior change
Role of a community health nurse in promoting environmental health
Use of community bags and home visit kits to educate rural families
Practical methods for solid waste management and waste segregation
This presentation supports:
Class lectures and revision
Health teaching in field visits
Community awareness campaigns
Internal assessments and final exam preparation
It ensures that all essential environmental health concepts are simplified and well-structured for easy understanding and application in nursing practice.How to Manage Different Customer Addresses in Odoo 18 Accounting
How to Manage Different Customer Addresses in Odoo 18 AccountingCeline George
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A business often have customers with multiple locations such as office, warehouse, home addresses and this feature allows us to associate with different addresses with each customer streamlining the process of creating sales order invoices and delivery orders.University of Ghana Cracks Down on Misconduct: Over 100 Students Sanctioned
University of Ghana Cracks Down on Misconduct: Over 100 Students SanctionedKweku Zurek
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University of Ghana Cracks Down on Misconduct: Over 100 Students Sanctioned
Community Health Nursing Approaches, Concepts, Roles & Responsibilities Uni...
Community Health Nursing Approaches, Concepts, Roles & Responsibilities Uni...RAKESH SAJJAN
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This PowerPoint presentation is based on Unit 6 Community Health Nursing Approaches, Concepts, Roles & Responsibilities of Community Health Nursing Personnel, designed for B.Sc Nursing 5th Semester students under the subject Community Health Nursing I, following the syllabus of the Indian Nursing Council (INC).
This unit focuses on the various approaches in community health, the organizational framework, and the responsibilities of different levels of nursing staff in the healthcare system. It emphasizes the real-world application of nursing principles to provide comprehensive and preventive care to the community.
Key Areas Covered in this Presentation:
Introduction to the concept of community health nursing
Approaches to community health:
Nursing Process Approach
Epidemiological Approach
Evidence-Based Approach
Problem-Solving Approach
Nursing Theories in Community Health Practice
Explanation of teamwork and intersectoral coordination
Concept of primary health care and its application in community nursing
Levels of health care delivery primary, secondary, and tertiary care
Home visit process: principles, planning, implementation, and follow-up
Use of community bag and record maintenance
Roles and responsibilities of:
Auxiliary Nurse Midwives (ANMs)
Community Health Officers (CHOs)
Staff Nurses
ASHA workers
Public Health Nurses (PHNs)
Documentation and reporting in community settings
Promotion of health education, immunization, maternal and child health, and nutritional support
Role of nurse in disease surveillance, outbreak control, and health promotion
Ethical principles in community nursing
Coordination with health team members and village health committees
This presentation is useful for:
Nursing students preparing for university theory exams, class tests, or viva
Nursing educators conducting lectures or field discussions
Interns and trainees working in PHCs, sub-centers, or community settings
Community nurses and health educators involved in rural and urban outreach
The content is simplified, clear, and enhanced with point-wise explanations, flowcharts, and field-related examples for better retention and application.ECONOMICS, DISASTER MANAGEMENT, ROAD SAFETY - STUDY MATERIAL [10TH]
ECONOMICS, DISASTER MANAGEMENT, ROAD SAFETY - STUDY MATERIAL [10TH]SHERAZ AHMAD LONE
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This study material for Class 10th covers the core subjects of Economics, Disaster Management, and Road Safety Education, developed strictly in line with the JKBOSE textbook. It presents the content in a simplified, structured, and student-friendly format, ensuring clarity in concepts. The material includes reframed explanations, flowcharts, infographics, and key point summaries to support better understanding and retention. Designed for classroom teaching and exam preparation, it aims to enhance comprehension, critical thinking, and practical awareness among students.GEOGRAPHY-Study Material [ Class 10th] .pdf
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"Geography Study Material for Class 10th" provides a comprehensive and easy-to-understand resource for key topics like Resources & Development, Water Resources, Agriculture, Minerals & Energy, Manufacturing Industries, and Lifelines of the National Economy. Designed as per the latest NCERT/JKBOSE syllabus, it includes notes, maps, diagrams, and MODEL question Paper to help students excel in exams. Whether revising for exams or strengthening conceptual clarity, this material ensures effective learning and high scores. Perfect for last-minute revisions and structured study sessions.LDMMIA Yoga S10 Free Workshop Grad Level
LDMMIA Yoga S10 Free Workshop Grad LevelLDM & Mia eStudios
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This is complete for June 17th. For the weekend of Summer Solstice
June 20th-22nd.
6/17/25: My now Grads, Youre doing well. I applaud your efforts to continue. We all are shifting to new paradigm realities. Its rough, theres good and bad days/weeks. However, Reiki with Yoga assistance, does work.
6/18/25: "For those planning the Training Program Do Welcome. Happy Summer 2k25. You are not ignored and much appreciated. Our updates are ongoing and weekly since Spring. I Hope you Enjoy the Practitioner Grad Level. There's more to come. We will also be wrapping up Level One. So I can work on Levels 2 topics. Please see documents for any news updates. Also visit our websites. Every decade I release a Campus eMap. I will work on that for summer 25. We have 2 old libraries online thats open. https://ldmchapels.weebly.com "
Our Monthly Class Roster is 7,141 for 6/21.
ALL students get privacy naturally. Thx Everyone.
As a Guest Student,
You are now upgraded to Grad Level.
See Uploads for Student Checkins & S9. Thx.
Happy Summer 25.
These are also timeless.
Thank you for attending our workshops.
If you are new, do welcome.
For visual/Video style learning see our practitioner student status.
This is listed under our new training program. Updates ongoing levels 1-3 this summer. We just started Session 1 for level 1.
These are optional programs. I also would like to redo our library ebooks about Hatha and Money Yoga. THe Money Yoga was very much energy healing without the Reiki Method. An updated ebook/course will be done this year. These Projects are for *all fans, followers, teams, and Readers. TY for being presenting.Code Profiling in Odoo 18 - Odoo 18 際際滷s
Code Profiling in Odoo 18 - Odoo 18 際際滷sCeline George
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Profiling in Odoo identifies slow code and resource-heavy processes, ensuring better system performance. Odoo code profiling detects bottlenecks in custom modules, making it easier to improve speed and scalability.Health Care Planning and Organization of Health Care at Various Levels Unit...
Health Care Planning and Organization of Health Care at Various Levels Unit...RAKESH SAJJAN
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This comprehensive PowerPoint presentation is prepared for B.Sc Nursing 5th Semester students and covers Unit 2 of Community Health Nursing I based on the Indian Nursing Council (INC) syllabus. The unit focuses on the planning, structure, and functioning of health care services at various levels in India. It is especially useful for nursing educators and students preparing for university exams, internal assessments, or professional teaching assignments.
The content of this presentation includes:
Historical development of health planning in India
Detailed study of various health committees: Bhore, Mudaliar, Kartar Singh, Shrivastava Committee, etc.
Overview of major health commissions
In-depth understanding of Five-Year Plans and their impact on health care
Community participation and stakeholder involvement in health care planning
Structure of health care delivery system at central, state, district, and peripheral levels
Concepts and implementation of Primary Health Care (PHC) and Sustainable Development Goals (SDGs)
Introduction to Comprehensive Primary Health Care (CPHC) and Health and Wellness Centers (HWCs)
Expanded role of Mid-Level Health Providers (MLHPs) and Community Health Providers (CHPs)
Explanation of national health policies: NHP 1983, 2002, and 2017
Key national missions and schemes including:
National Health Mission (NHM)
National Rural Health Mission (NRHM)
National Urban Health Mission (NUHM)
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Universal Health Coverage (UHC) and Indias commitment to equitable health care
This presentation is ideal for:
Nursing students (B.Sc, GNM, Post Basic)
Nursing tutors and faculty
Health educators
Competitive exam aspirants in nursing and public health
It is organized in a clear, point-wise format with relevant terminologies and a focus on applied knowledge. The slides can also be used for community health demonstrations, teaching sessions, and revision guides.How payment terms are configured in Odoo 18
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Payment terms in Odoo 18 help define the conditions for when invoices are due. This feature can split payments into multiple parts and automate due dates based on specific rules.Q1_ENGLISH_PPT_WEEK 1 power point grade 3 Quarter 1 week 1
Q1_ENGLISH_PPT_WEEK 1 power point grade 3 Quarter 1 week 1jutaydeonne
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Grade 3 Quarter 1 Week 1 English part 2Assisting Individuals and Families to Promote and Maintain Health Unit 7 | ...
Assisting Individuals and Families to Promote and Maintain Health Unit 7 | ...RAKESH SAJJAN
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This PowerPoint presentation is based on Unit 7 Assisting Individuals and Families to Promote and Maintain Their Health, a core topic in Community Health Nursing I for 5th Semester B.Sc Nursing students, as per the Indian Nursing Council (INC) guidelines.
The unit emphasizes the nurses role in family-centered care, early detection of health problems, health promotion, and appropriate referrals, especially in the context of home visits and community outreach. It also strengthens the students understanding of nursing responsibilities in real-life community settings.
Key Topics Covered in the Presentation:
Introduction to family health care: needs, principles, and objectives
Assessment of health needs of individuals, families, and groups
Observation and documentation during home visits and field assessments
Identifying risk factors: environmental, behavioral, genetic, and social
Conducting growth and development monitoring in infants and children
Recording and observing:
Milestones of development
Menstrual health and reproductive cycle
Temperature, blood pressure, and vital signs
General physical appearance and personal hygiene
Social assessment: understanding family dynamics, occupation, income, living conditions
Health education and counseling for individuals and families
Guidelines for early detection and referral of communicable and non-communicable diseases
Maintenance of family health records and individual health cards
Assisting families with:
Maternal and child care
Elderly and chronic disease management
Hygiene and nutrition guidance
Utilization of community resources referral linkages, support services, and local health programs
Role of nurse in coordinating care, advocating for vulnerable individuals, and empowering families
Promoting self-care and family participation in disease prevention and health maintenance
This presentation is highly useful for:
Nursing students preparing for internal exams, university theory papers, or community postings
Health educators conducting family teaching sessions
Students conducting fieldwork and project work during community postings
Public health nurses and outreach workers dealing with preventive, promotive, and rehabilitative care
Its structured in a step-by-step format, featuring tables, case examples, and simplified explanations tailored for easy understanding and classroom delivery.Pests of Maize: An comprehensive overview.pptx
Pests of Maize: An comprehensive overview.pptxArshad Shaikh
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Maize is susceptible to various pests that can significantly impact yields. Key pests include the fall armyworm, stem borers, cob earworms, shoot fly. These pests can cause extensive damage, from leaf feeding and stalk tunneling to grain destruction. Effective management strategies, such as integrated pest management (IPM), resistant varieties, biological control, and judicious use of chemicals, are essential to mitigate losses and ensure sustainable maize production.Paper 108 | Thoreaus Influence on Gandhi: The Evolution of Civil Disobedience
Paper 108 | Thoreaus Influence on Gandhi: The Evolution of Civil DisobedienceRajdeep Bavaliya
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Dive into the powerful journey from Thoreaus 19thcentury essay to Gandhis mass movement, and discover how one mans moral stand became the backbone of nonviolent resistance worldwide. Learn how conscience met strategy to spark revolutions, and why their legacy still inspires todays social justice warriors. Uncover the evolution of civil disobedience. Dont forget to like, share, and follow for more deep dives into the ideas that changed the world.
M.A. Sem - 2 | Presentation
Presentation Season - 2
Paper - 108: The American Literature
Submitted Date: April 2, 2025
Paper Name: The American Literature
Topic: Thoreaus Influence on Gandhi: The Evolution of Civil Disobedience
[Please copy the link and paste it into any web browser to access the content.]
Video Link: https://youtu.be/HXeq6utg7iQ
For a more in-depth discussion of this presentation, please visit the full blog post at the following link: https://rajdeepbavaliya2.blogspot.com/2025/04/thoreau-s-influence-on-gandhi-the-evolution-of-civil-disobedience.html
Please visit this blog to explore additional presentations from this season:
Hashtags:
#CivilDisobedience #ThoreauToGandhi #NonviolentResistance #Satyagraha #Transcendentalism #SocialJustice #HistoryUncovered #GandhiLegacy #ThoreauInfluence #PeacefulProtest
Keyword Tags:
civil disobedience, Thoreau, Gandhi, Satyagraha, nonviolent protest, transcendentalism, moral resistance, Gandhi Thoreau connection, social change, political philosophyAd
9 reasons to start your retirement planning now
- 1. 9 REASONS TO START RETIREMENT PLANNING NOW ? GANESAN THIRU
- 2. 9 REASONS TO START NOW 1) FIND YOUR WHY 2) START FOR YOURSELF 3) MONEY NEEDS TIME 4) MONTHLY EXPENSE 5) WORK FOREVER 6) COST OF DELAYED INVESTMENT 7) BUCKETLIST ITEMS 8) HEALTH EMERGENCY 9) DONT BE A BURDEN GANESAN THIRU
- 3. LETS START WITH WHY ? WHEN YOU ARE YOUNG ! GANESAN THIRU
- 4. 1) No Pension for any workers after 2004 2) Average Living age was 37 in 1947 & now nearing 70 in 2020 3) Minimum of 10 years and upto one-third of life is going to be in this phase GANESAN THIRU
- 5. 100%START FOR YOURSELF GANESAN THIRU
- 6. STILL WHY EARLY ? All Money need is Time Einstien described 8th wonder as "Money Compounding" GANESAN THIRU
- 7. AVERAGE MONTHLY EXPENSE For a Family of 4 in Urban city - This will be anywhere between 30000 - 50000 Considering油Age of both men & Women is 30 * GANESAN THIRU
- 8. AVERAGE MONTHLY EXPENSE AFTER 30 YEARS For the same Family of 4 in Urban city - This will be anywhere between 2.30 Lakhs - 3.80 Lakhs Inflation is considered as 7%, considering long term inflation rate* GANESAN THIRU
- 9. POINT TO REMEMBER Expense such as Mobiles, Buying Cars, Health emergency funds, Weekend expenses, luxury buys etc are not considered GANESAN THIRU
- 10. HOW MUCH YOU SHOULD HOLD FOR RETIREMENT ? Yearly Average expense itself - 36 Lakhs For Ten Year Period - 3.6 Crores Say you live till 90's - Then your corpus should be ? ? ?油 GANESAN THIRU
- 11. ONE EASY WAY GANESAN THIRU
- 13. WHAT YOU CAN DO ? GANESAN THIRU
- 14. CAN YOU REDUCE YOUR EXPENSES FROM NOW ON ? GANESAN THIRU
- 15. ONLY OPTION IS TO SAVE MORE & INVEST WISELY! GANESAN THIRU
- 16. BEFORE THAT, DO YOU KNOW COST OF DELAYED INVESTMENT ? GANESAN THIRU
- 17. 10,000 PAID FOR 30 YEARS, TOT INVESTMENT WILL BE 36LA* 10,000 FOR 25 YEARS @12% - 1.70 CRORES 10,000 FOR 20 YEARS @12% - .92 CRORES FOR 30 YEAR OLD, 10,000 FOR 30 YEARS @12% - 3.08 CRORES GANESAN THIRU
- 18. INCREASING THE INVESTMENT BY 5000 FROM 35 15,000 FOR 25 YEARS @12% - 2.55 CRORES (TOTAL INVESTED AMOUNT IS 45 LAKHS) 25,000 FOR 20 YEARS @12% - 2.30 CRORES (TOTAL INVESTED AMOUNT IS 60 LAKHS) GANESAN THIRU
- 19. INCREASING THE INVESTMENT CORPUS IN THE LAST 10 OR 15 YEARS IS OF NO USE GANESAN THIRU
- 20. FOR BETTER RETIREMENT CORPUS ONLY THING NEEDED IS TIME & ALSO TO START EARLY GANESAN THIRU
- 21. TO TICK OFF BUCKET LIST GANESAN THIRU FOR EXAMPLE, A FOREIGN TRIP, PILGRIMAGE TRIP, SEA SIDE VILLA TRAVELLING THE WORLD, FARM HOUSE ETC
- 22. HEALTH EMERGENCY FUND GANESAN THIRU AS YOUR LIVING AGE INCREASES, THE MONEY REQUIRED TO TAKE CARE OF YOUR HEALTH ALSO INCREASES, ALONG WITH ANY MONEY REQUIRED FOR EMERGENCY
- 23. DONT BE A BURDEN & DONT FEEL LIKE BURDEN GANESAN THIRU
- 24. LIFE ISN'T A RACE, BUT THOSE WHO START EARLY油 CAN LIVE HAPPILY NOW & THEREAFTER GANESAN THIRU
- 25. IF YOU NEED ANY HELP IN INCREASING YOUR SAVINGS OR RELATED TO MONEY, PLEASE ENROLL IN MY FREE COURSE CALLED "YOUR MONEY BLUEPRINT" GANESAN THIRU
- 26. WHY ME : AUTHOR OF THE BOOK "MONEY LEAKS" RELEASED BY JACK CANFIELD, ENTREPRENEUR, MILLIONAIRE COACH I HELP YOU IN CREATING WEALTH GANESAN THIRU