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College students may be pros at pulling off last-minute study sessions, but when it comes to finances, cramming just doesn't cut it.Everyone often needs a budget, and for college students, that is even more crucial. Today, Dr. Kelly Rush joins us with practical budgeting advice every college student should hear.Dr. Kelly Rush is a Professor of Finance, Department Chair, and Financial Planning Program Coordinator at Mount Vernon Nazarene University in Ohio. Why Budgeting Matters More Than You ThinkProverbs 22:6 tells us to “train up a child in the way he should go, and when he is old he will not depart from it.” That's not just true for spiritual instruction—it applies to money too. The habits we form in college, for better or worse, often follow us into adulthood. And if students don't develop intentional stewardship during these formative years, they may face regrets down the road that could've been avoided.Most students know they shouldn't spend recklessly, but they often don't know where their money is going. Without a written budget or a tool to track spending, it's easy to watch bank accounts shrink faster than expected—and not know why.Budgeting isn't about restriction. It's about clarity. It's about choosing in advance how to use what God has entrusted to you. And it's a habit that pays dividends over time.Understanding the Time Value of MoneyOne of the most powerful lessons a student can learn is the time value of money. It's often a reminder of the orderly nature of the God we serve since there's a logic to how money grows over time. And in every financial equation, time is the most powerful variable.Scripture encourages us to think this way. Psalm 90:12 asks God to “teach us to number our days,” and Ephesians 5:15–16 tells us to “redeem the time.” For students, this means starting early: saving early, giving early, and stewarding their resources early. That's where the real impact lies.Money also has momentum. It moves quickly. And in college, that momentum usually comes through small, frequent purchases: coffee runs, streaming subscriptions, and fast food. These little expenses add up and build financial habits, whether you realize it or not.Being aware of how money flows—and having a plan for it—is what budgeting is all about.Tools That Actually WorkToday's students are digital natives. They're not going to carry around envelopes of cash. Of course, we recommend the FaithFi app because it's easy to use, customizable, and based on biblical principles. If you're a student (or a parent helping one), it's a great place to start. You can check it out at FaithFi.com and click “App” or download it from your app store.At some point, students need to begin taking ownership of certain expenses, such as gas, clothes, and possibly even their phone bill. We encourage families to approach this like a team sport: communicate when and which expenses will be transferred from parent to student, then open a bank account and create a game plan together. That transition is not just financial—it's formative.Working during college isn't just about making money—it's about learning responsibility. Students can find part-time jobs that offer both flexibility and impact. Perhaps that involves working at a hospital if you're studying nursing, or obtaining a referee certification or barber license for higher-ROI opportunities. Work that aligns with your career goals is a double win.What About Credit?Credit is another topic that comes up often. Should students start building credit now or wait until later? Either option can work, but there are advantages to starting early, wisely. We usually suggest a secured credit card paired with a basic expense, such as gas. It's easy to track and builds a positive credit history. The key, of course, is paying it off every month.Pitfalls to Watch Out ForLet me leave you with a warning: shortcuts are tempting. College students are particularly vulnerable to the allure of quick money, exemplified by the growing trend of sports betting on campuses. I believe it's a modern gateway drug. It's addictive, dangerous, and it escalates quickly.1 Timothy 6:9 warns, “Those who want to get rich fall into temptation and a trap…” This isn't just theoretical—it's real. Good stewards don't chase shortcuts. They honor time, build slowly, and trust God with the results.College is the ideal time to establish a solid financial foundation grounded in biblical wisdom. You've got time on your side—but only if you use it well. Start now. Budget with intentionality. Steward with purpose. And watch what God does over time.On Today's Program, Rob Answers Listener Questions:I'm leasing part of my 55-acre property for a cell tower under a 59-year agreement. The monthly payments will go into my account, and I'd like to invest them in something that compounds monthly or more frequently. With my two sons and their families living on the land as well, I'm hoping to grow this income into long-term, generational wealth. What's the best strategy?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit UnionSchwab Intelligent Portfolios | BettermentList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Send us a textIn this engaging conversation, Thomas and his guest Zach Smart discuss the deep love and commitment that comes with years of training. They delve into the infinite nature of jiu-jitsu, the balance between fun and fundamentals, and the importance of learning from failure. Zach shares his personal journey from aspiring MMA fighter to dedicated jiu-jitsu practitioner, emphasizing the community and camaraderie he found on the mats. The conversation also delves into the evolution of jiu-jitsu, comparing the technical aspects of gi and no-gi, and the future of the sport in terms of entertainment and professionalism. Here is the 250th episode of The RŌL Radio with a jiu-jitsu content creator and Black belt under Ross Nicholls at London Grapple, Zach Smart.www.rolacademy.tv 30% discount with ROLRADIO code at checkout. Over 1500 videos for your Jiu-Jitsu journey.FREE Access to ROL TV - https://rolacademy.tv/yt/269-the-rol-radiohttp://www.therolradio.comhttps://www.instagram.com/therolradiohttps://www.facebook.com/therolradio/https://www.instagram.com/zachsmart/?hl=enhttps://www.instagram.com/london_grapple/?hl=enhttps://londongrapple.co.uk/Episode Highlights:3:13 Loving Jiu-Jitsu Now More Than Ever5:27 Jiu-Jitsu is Infinite13:57 Finding the Balance Between Fun and Effort18:29 Making It Harder Than It Needs To Be20:23 Keeping an Open Mind22:33 Why Jiu-Jitsu27:50 The Resposibility of Learning32:06 The Structure and Freedom Within Jiu-Jitsu36:00 GI vs NOGI45:54 The Professional Future of Jiu-Jitsu52:45 Importance and Meaning of Promotions1:03:24 Zach Gets His Black BeltSupport the show
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Chad Lamb: The Resposibility of the Adopted [1:45:38] Click here for: High quality (1.83 GB) Click here for: Low quality (677.39 MB) 5017
Day 43, Blame vs. Resposibility
Brexit 1776, Mexit 1836 European breakout Rereading Nehemiah & Pointman by Farrar The Boniface Option by Isker
On this episode we cover:- mistakes made on planning calculators- Pattu reveals another Golden thumbrule !- Products that Pattu recommends for Parents- Who is Sukanya Samriddhi for? And some details- Investing for marriage of your child- Resposibility towards Undergrad vs Postgrad- Does spending on your kids take precedence over your retirement fund? (And when to say no)- Premium waiver benefit in case of your death- The married women property act of 1874 and how it affects term insurance- What happens to home loans when you die?- Different approaches to beginning investing:a. If your child isn't born yetb. If your child is 3-4 yrs oldc. If your child is already 10-12 +- Pattu's amazing book - Chinchu gets a superpower- At what stage do you let kids control their own money?- Pattu's thoughts on pocket moneySee omnystudio.com/listener for privacy information.
LAURA GREENBERG'S life took a drastic turn when she ended up in the hospital in 2006. Unsure of what was going on, she dove deep into studying alternative healing modalities, spirituality, and anything she could get her hands on to get better. Overcoming addiction is a big part of her story which led to a deep connection to a higher power and being of service. Slowly, but surely she got her health back but was forever transformed. She could not go back to a life without deep purpose. She knew she was here to help others do the same – discover who they truly are and help them share it with the world. Laura became a Massage Therapist and Reiki Practitioner where she learned to harness life force energy to focus on specific areas targeted for deep healing and relaxation. She spent years at an integrative healing center where she mastered guiding patients through holistic healing sessions. Coaching became her passion when she realized that one single session could be powerful enough to create impact in someone's life. Laura began incorporating years of experience, endless workshops, her work with leaders in this community, and her Master's degree in Spiritual Psychology into each session creating lasting change that was needed in her clients lives. Laura's clients include Academy award nominated actors, Executives in all industries, Producers, Entrepreneurs, Moms and Dads. She has worked with everyone from A-list celebrities and multi-billionaire philanthropists to entrepreneurs scraping by to follow their vision and bring it into reality. Laura enjoys living with the ocean breeze of Santa Monica, CA with her husband, son, and bonus daughter. She loves cooking, traveling, kundalini, time with her soul sisters, and living a rich life filled with the whole range of the human experience. More about Laura and her company ALCHEME @ www.lauramgreenberg.com
Download the eBook here. Treasury sits in a unique position in the organization, and excelling as treasurer requires unique strategy and the proper mindset across multiple areas. With insights covering everything from important steps for the new treasurer to leading practices for securing resources, overcoming blind spots, staff development, metrics, technology, working capital, and more, the Guide to Excellence in Treasury eBook offers strategies and fine-tuned approaches to major areas of challenge for treasurers. Whether you're aiming to become a treasurer, have just landed the job, or have held the position for years but are still seeking ways to improve and grow, this guidebook should have some ideas that will help you and your organization thrive. -------------------- 0:00 Opening 1:30 Introduction 2:24 Preparing to Become the Treasurer 7:16 First Steps for the New Treasurer 12:05 Effective Communication 24:19 Securing Resources 30:04 Overcoming Blind Spots 35:59 Building and Developing Your Team 47:33 Metrics 55:59 Approaching Technology Intentionally 1:00:49 Taking Ownership of Cash, Working Capital, and Payment Security 1:16:56 Basics of Risk Management 1:21:21 Closing
Hey guys, welcome to Episode 42 of the Swinging Flamingos podcast. I this episode, we have 80 mins of juicy lifestyle events and discussions in store for you. Damn did we have a crazy weeks to share with you. While we didnt have the bandwidth to cover it all this episode, we talk about a […] The post Episode 42 ” Is it OUR resposibility to promote the lifestyle to others” ? appeared first on Swinging Flamingos.
Biyaya sa Pagbibigay
Unleashed Jeremy Hanson 1 24 22 men are to act like men. Christian men have a responsibility to be a real man and we have a road map. Americas number 1 real problem is the men of this country not acting like men!! Listen to this series to understand who and what we are suppose to be!
Biden trying to absolve himself of Covid responsibility. Are CDC protocols changing because of science or need? The “New Taliban” still mistreating women. L.A. crime spikes, but rich just fund their personal police. Bernie Sanders takes credit for your Christmas weekend? Email greg@gregorybknapp.comLike The Greg Knapp Experience FB page. https://www.facebook.com/gregknappexperience
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Sunday 27 June 2021 Ps Geoff Woodward "Relationship and Resposibility" "Called and Chosen - June 2021" metrochurch, Perth Western Australia
Welcome to Machinegun's Podcast
In the 14th episode of the Duecey season, we have the first part of our Bad Parenting discussion and talk about the following:Q1) What do you believe is the biggest reason that dads decide not to be in their childrens lives...Toxic mothers? Never wanted the kid? Poor examples? Other? -00:00:40Commercial: Please submit questions for the fellas via IG or Facebook to answer on air because we are having another #ASK1528 episode coming later this season -00:27:14Q2) When people close to you aren't exhibiting positive parental behaviors or just aren't present in their kids lives, does it impact how you feel about those people? And do you generally speak up to them about it or not? -00:28:45Check out all our web links in one convenient location including direct to our YouTube channel to watch the full video versions of each episode: https://linktr.ee/the1528podcastThanks for tuning in!
In this series on Energetic Responsibility Mani shares his insights on how to become conscious of one's energetic expenditure and also how to conserve and replenish this Shakti. If you would like to submit any questions or topics for the podcast you may do so here. forms.gle/zc1XLB75vuE8v1GV9
In episode #11 I talk about taking responsibility for your life, even when other's sins effect you.Genesis 3Galatians 5:1, 13&14
A My Gospel SOul Production Talking about The Resposibility we have to Empower our Own Black People!
In the midst of the Covid-19 chaos you have been given the opportunity to take the reins of leadership. Those who have led in the past are now wondering and waiting and NOT leading. You on the other hand are ready and willing to lead your family, church, and community through this mess. Step up men, this is the role you were created for and I've got a few thoughts to help us as we move forward. Intro and Outro are an excerpt from Leadership Strategy and Tactics by Jocko Willink Leadership Rules 1. Be Humble. 2. Don't act like you know everything, ask smart questions. 3. Listen. Ask for advice and heed it. 4. Treat people with respect, regardless of rank 5. Take ownership of failures and mistakes. 6. Pass credit for success up and down the chain of command. 7. Work hard, no job is beneath you. 8. Have integrity, do what you say and say what you do. 9. Be balanced, extreme actions and opinions are rarely good. 10. Be decisive, when it is time to make a decision, make one. 11. Build relationships, that is your main goal as a leader. 12. Get the job done, that is the main purpose as a leader. Stay healthy and fight for those you love. Hold Fast and God Bless Ever Vigilant| Instagram @theevervigilant Facebook https://www.facebook.com/Vigilantwolf Website https://www.vigilantwolf.com Patreon https://www.patreon.com/evervigilant T-Shirts, and Swag https://www.teespring.com/stores/evervigilant Visit https://www.Vigilantwolf.com for Holsters and Belts Subscribe at https://www.Vigilantwolf.com to stay up to date on what I'm up to, the podcast, and store sales, etc. Visit https://www.Patreon.com/evervigilant and become a part of what we have going on here, Join The Pack! Use Patreon.com/evervigilant to engage, encourage and challenge one another in our daily battle to become better men, better husbands, better fathers, and better leaders. Hold Fast & God Bless
Hey Mama!In this episode we go over what self care is, why it is so important and simple ways to add it into your daily life!Do you struggle with taking a moment for yourself and feeling extremely guilty? Do you struggle with mental fatigue or motivation? Do you find yourself getting frustrated with your loved ones?It is YOUR responsibility to take find the time for self care and I am so excited to help you do just that. If you have not joined my free FB communication community make sure to head on over to shespeakswithlove.com or simply search "She speaks with love" within the groups section on Facebook.
We as a family are doing all we can to reduce needless waste. We are doing this through our responsible decisions and choices--the tiny ones we make every day that can make a big difference. If we can do it, anyone an do it.
Jay Manimtim March 17, 2019
The penalties for bullying and trolling should be obvious. But how should we be punished for pretending to be on holiday, or holding up everyone’s dinner for a food shot? Written on a tablet, these are Matt’s Social Commandments.
RUN YOUR RACE #48: Daily Mentoring with Trevor Crane on GreatnessQuest.com SUMMARY: Run your race. Today, I want you to hear about a race. Before the start of the race, some kids were given a 2-step head start for every statement that applies to them. The kids without a head start have almost no chance to win the race. Listen to today’s story, for the lessons it teaches you. Fact is, some people have been given a head start. And some people have suffered significant challenges and setbacks. But you (and they) still gotta RUN YOUR OWN RACE. Decide what your story is gonna be. GET THE APP: Text: TREVOR To: 36260 #greatnessquest #trevorcrane #unstoppable #idealbusiness #ideallife
Det senaste decenniet har det skett ett paradigmskifte i hur svenskt bistånd samverkar med privata företag. OmVärlden har tillsammans med Arbetet Global granskat storföretagens nya roll och nu berättar journalisterna bakom granskningen om en av de största förändringarna inom biståndet på decennier. Med Mats Wingborg, Agneta Carleson och Petter Bolme. OmVärldens chefredaktör Ylva Bergman modererar.
Wrap up of the Michigan Firearm Deer Season Parental responsibility of the outsoors Saftey Game indentification Teaching your kids about the outdoors West Virginia mandatory big game checkin New electronic check in Why can't Michigan do this? Doctors now asking if you own a gun?
Our new Pet Expert and Animal Rescuer,Cary Robinson, discusses Pet Care and Resposibility and Resue. Cary is Author of the Award Winning Dog Comedy Mystery Novels: The Dudley Files: Sold Out Without The Holdout and his new book Burp Gun Bandit: Book II of The Dudley Files. Exclusive publisher of the Dudley Files series as well as other novels and childrens’ books.This show is broadcast live on W4CY Radio – (www.w4cy.com) part of Talk 4 Radio (http://www.talk4radio.com/) on the Talk 4 Media Network http://www.talk4media.com/).
Words can cut deep and do a lifetime of damage. We should all work to measure our words and determine if what we are going to say is truthful, kind, and necessary. Bullies lack empathy and need to be taught these qualities in order to avoid damaging consquences later in life.
Pastor Brian brings a message on using our talents and not burying them.
Sermon titled Relationship and Responsibility in the series Covenant and Kingdom
Pastor Scott Hackler on 4/22/12 2nd in this series A wild goose chase is a fruitless, meaningless pursuit. In the Christian context a wild goose chase will allow us to follow the Holy Spirit in ways, and to places we could never have imagined. Let The Holy Spirit move you in a new way!