Podcasts about sinking fund

We are joined by Reni Odetoyinbo, founder of Reni The Resource, to tell us what a ‘Sinking Fund' is, how they work and why you should have one. Find out more at renitheresource.com and connect on Instagram, YouTube, X/Twitter and TikTok.

Sinking funds are awesome, but none are more enjoyable than the travel sinking fund. During a recent family vacation, host Travis Shelton spent some time on the mobile mic to discuss how families can simply and effectively execute the travel sinking fund to add a ton of value to their lives. It's not rocket science, but it is a game-changer. Enjoy! If you have questions or would like to connect with us outside of the podcast, here's where you can find us:  Instagram: ⁠https://www.instagram.com/meaning_over_money⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: https://www.tiktok.com/@meaning_over_money Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://travisshelton.com/blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Subscribe to the daily blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shorturl.at/ipS35⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Podcast Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/370457478238932⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Podcast website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.travisshelton.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Travis's Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travis_shelton_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  YouTube:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQ

In this episode, we're getting into the importance and the how-to of budgeting for self-care. A little work up front can help you get exactly what you need and want for self-care in your monthly budget. Tune in to learn how to prioritize your well-being without breaking the bank!I will also walk you through how to use this FREE self-care budget builder.Click here to get the SELF-CARE BUDGET BUILDERThis episode is for you if you've ever asked yourself:How can I budget for self-care?What are some tips for self-care on a budget?Click here for the free Budget Foundations Jumpstart!Click here for information about the opportunity to be the first "small test group" for the new budget course.Let's Connect: Instagram @budgeteffectpodcastEmail hello@thebudgeteffect.comHow are your spending habits on the stuff you want and need for self-care?Text 1 -  if you are spending way too little, you don't get what you want or need. Text 2  - Just right you are spending the amount you need and wantText 3 - You overspend and overbuyClick below to send your answer to the show. Click to Send a Text.

Blighty & Wilds were joined by Port youngster, Tom Scully. The boys played Tuesday True or False and Sam Fantasia gave a sports update. Plus, the boys spoke about the need for a sinking fund in the AFL and milestone men this week, Todd Marshall & Brodie Smith. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to another episode of Financially Naked: Stories from the Financial Gym. As we approach the end of 2024, hosts Kylie and Sam invite you to join them on a reflective personal finance exercise. Discover the potential of aligning your financial goals with your values and gain insights on staying accountable as you embark on a financial wellness journey.  In this episode, Kylie and Sam discuss the power of looking back on your financial progress and sharing insights on how this practice can serve as a catalyst for setting meaningful goals for the upcoming year. They'll provide tips and tricks for financial self-discovery, offering strategies to help you achieve your biggest goals.  For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

Welcome to Episode 59 of the In Her Wallet Podcast! This week Sofiia is bringing you a solo episode covering 6 tips to make the most of Black Friday and holiday shopping. How to avoid buying things 'just because they are on sale', maximize your cash back earned, and navigate the sea of deals seamlessly? Tune in for answers to these questions!*Watch this episode in video format on YouTube*If you like this episode, let Sofiia know! Take a screenshot of this page & tag her in your IG stories @sofiiasalimova & @inherwalletpodcast, or simply send her a DM! You can also support the production of In Her Wallet Podcast via this link.Episode resources:Access Locker Black Friday Cyber Monday Sales GuideGet $30 Cash Bonus When You Join Rakuten via This LinkSupport the showThank you for listening! If you like the show, please leave us a 5-star review and follow us on your podcast platform of choice. It's a free way to support what we do and help us grow to reach more women on path to financial success. Subscribe to In Her Wallet on YouTube In Her Wallet Instagram, TikTok and Threads

In this episode of the Functional Retirement Podcast, host Thatcher Taylor dives into the importance of having just enough cash to buy assets and grow wealth. He discusses the difference between an emergency fund and a sinking fund, and provides valuable insights on how to assess and fix an underfunded emergency fund. Join us as we explore the significance of cash in achieving a fulfilling retirement. ✅Don't forget to leave a review and subscribe for more informative content!✅✅Contact Thatcher at thatcher@propathfinancial.com with comments and questions!Are you over age 50 and need retirement help?Schedule a free consultation https://www.propathfinancial.com/get-startedSubscribe for all things retirement, investment, tax, & estate planning https://www.youtube.com/@functionalretirementJoin The Newsletter For All Wealth Building Tacticshttps://propath.ck.page/60fab1df4d DISCLAIMER: The information provided in these episodes is only to be considered helpful hints and education. Nothing said or shown is to be misconstrued as specific tax, legal, or investment advice. Consult with your tax, legal, or investment professional before acting on anything you see in these videos. ​​Investment Advisory Services are offered through ProPath Financial, a registered investment adviser authorized to do business in states where registered or otherwise exempt from registration. Nothing discussed in this podcast should be viewed as investment advice.

A renewal of the Bronson Community Schools' sinking fund millage will be on the November 7, 2023 ballot.See omnystudio.com/listener for privacy information.

Dave Ramsey & Jade Warshaw answer your questions and discuss: The right way to set up your budget to take care of your family when you're barely getting by, read more: 4 Things You Must Include in Your Budget Where "sinking funds" fall in the Baby Steps, read more: What Is a Sinking Fund and How Do You Create One? How to avoid bankruptcy when you're being sued for debts that are in collections, How to decide if you should go back to school to increase your income, The best places to hold your money for your sinking funds, How to know if you're making financial decisions based on wisdom or ungratefulness, What to be financially prepared for when moving to the mission field, Why you shouldn't use your Emergency Fund to pay off your house, "Why are mutual funds highly recommended?", read more: What Are Mutual Funds? And How Do They Work? Why you should never voluntarily repossess a vehicle to the bank, read more: How Does Car Repossession Work? Where to start focusing your investing as a debt free college graduate, Why getting a car loan to build a credit score is a horrible idea, read more: Living Without a Credit Score Why a 2 hour commute is not worth a cheaper house or beneficial to your marriage, How one couple became became Baby Steps Millionaires in their 30's, How much you should have in your Emergency Fund as contract employees, read more: A Guide to Your Emergency Fund Why you shouldn't wait for any kind of student loan forgiveness to pay off your student loans, read more: RamseySolutions.com/StudentLoans Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Balance of Nature Zander Insurance Churchill Mortgage Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Welcome to Episode 53 of the In Her Wallet Podcast! This week Sofiia is bringing you a solo episode about the 5 smart money moves to make this fall to prevent the overwhelm and avoid the overspend with all the fun stuff happening at this time of the year, like Thanksgiving dinners, Halloween parties, Black Friday deals and, of course, pumpkin spice lattes. Our goal is that after listening to this episode, you leave feeling equipped with knowledge on how to make progress towards building the financial future you deserve without feeling guilty for the seasonal fun that awaits ahead.*Watch this episode in video format on YouTube*If you like this episode, let Sofiia know! Take a screenshot of this page & tag her in your IG stories @sofiiasalimova & @inherwalletpodcast, or simply send her a DM! You can also support the production of In Her Wallet Podcast via this link.Support the showThank you for listening! If you like the show, please leave us a 5-star review and follow us on your podcast platform of choice. It's a free way to support what we do and help us grow to reach more women on path to financial success. Subscribe to In Her Wallet on YouTube In Her Wallet Instagram, TikTok and Threads

En el episodio No. 20 te hablo de qué es un Sinking Fund, cómo crearlo y como se diferencia con el fondo de emergencia. También te dejo el link del episodio No.13 que mencioné en este episodio, Cómpralo ahora, Paga luego Si tienes preguntas o dudas me puedes escribir a dineropodcast@gmail.com o a mi cuenta de instagram @jenniferhp15 Nos vemos la próxima semana. ¡Chao!

This episode of Financially Naked: Stories from The Financial Gym is hosted by Catriona and Sara W, two Certified Financial Trainers at The Financial Gym. Today, they're shedding light on the power and potential of sinking funds. What are sinking funds, and why are they important in your financial journey? They explore the different strategies for setting up sinking funds and discuss the best places to save them. They'll share practical tips on allocating your funds wisely, whether you're saving for that dream vacation, a summer camp for the kids, or your car expenses.  They'll show you how sinking funds can be a game-changer in helping you achieve your long-term financial goals and be a flexible and effective tool to confidently navigate your various savings goals.  For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com. Resources Financially Naked 183: Garrett & Sam Gymsplain Emergency Savings  Why You Need a Sinking Fund & How to Set it Up  Upstart.com - Learn About Sinking Funds  Time - Sinking Fund: What Is It, Types & How to Set One Up Meet The Trainers Meet Catriona Williams, Level 2 Certified Financial Trainer  Meet Sara Willi, Level 2 Certified Financial Trainer   

George Kamel & Jade Warshaw answer your questions and discuss:  "Can we have sinking funds while paying off debt?"  from the blog: What Is a Sinking Fund and How Do You Create One? How much money American's think they need feel financially secure, If you should invest while saving for a house, from the website: Ramsey Mortgage Calculator "How much we can budget for vacation?" from the blog: A Guide to Vacationing on the Baby Steps "Should we skip investing if we receive retirement pay from the military?" When to know if you can move up in house,  from the blog: How to Upsize Your Home in 3 Steps How to start investing with minimal income, from the blog: How to Start Investing: A Beginner's Guide Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss:  "How much should we put into our sinking funds?" from the blog: What Is a Sinking Fund and How Do You Create One? Why you can't compartmentalize money in your life or your marriage, Should I rent or buy after moving? "Will student loan repayment options hinder our Baby Step 2?" "Should we sell our house to pay off debt?" Support Our Sponsor: Zander Insurance NetSuite Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

A MTM listener wants to know if she should use her HSA to save for her son's hearing aids. In this episode, Art walks listeners through HSAs, sinking funds, and how they can help you prepare for future medical expenses. Resources:Free Resources from Christian Money SolutionsAsk a Money Question!

We've talked about it before, but we're going to get even more focused today. Sinking funds can be a game-changer in the pursuit of getting clarity, simplicity, and effectiveness in our finances. In today's episode, host Travis Shelton digs into the particulars of why, what, how, and where to bring this idea to life. If you have questions or would like to connect with us outside of the podcast, here's where you can find us: Daily Blog: https://travisshelton.com/blog YouTube:  https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQ Instagram:  https://www.instagram.com/meaning_over_money Travis's Instagram:  https://www.instagram.com/travis_shelton_ Travis's website:  https://www.travisshelton.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/meaning-over-money/message

Financial Services is all about Finance which is all about money. However almost all FS employees just accept “money” as a thing in the same way they accept gravity. Which is an odd thing if you think about it. Most of the time this wouldn't matter but at turning points such as we are at now if can be disastrous, What money is and the regimes around it have varied widely over time and space. However it is true to say that Central Banks are a total exception – indeed the ne plus ultra of Big State Centralism (which is leading to so many problems). Most FS-savvy folk know that a dollar when the Fed was created in 1913 is worth a few cents now – not a great testimony to the performance of an institution whose job is to “protect” the dollar. Few appreciate the intimate connection between monetary collapse and societal collapse. Examples however are  legion with perhaps the best known being Rome (see what I did there re legion? :-D) , Revolutionary France or the Weimar Republic. As the fallout from those were respectively a civilisational collapse in the West that literally took centuries to recover from and two brutal dictatorships we would be well advised to pay attention to this otherwise recherché topic. Central Banks are profoundly antidemocratic and as we saw in 2008 in the US and the UK chose – unlike Iceland – to bankrupt their people in order to preserve the wealth of banks and bankers bonuses. Prima facie they seem to correlate to the greatest frequency of wars ever, higher inflation and government spending and a de facto tax on savers and the elderly. At a minimum there is a difficult charge sheet for them to address. Mario who runs the highly successful YouTube Channel maneco64 is a long term student of the history and current practice of monetary policy as well as like me decades ago having worked successfully in the City without having any real understanding of money per se. Mario joined us a year ago in LFP197 to discuss “Money in the 21stC: Ballooning Printing of Fiat/QE/”MMT”/Govt Debt, CBDCs, Crypto, Dedollarisation, Hyperinflation, Gold”. In this episode: Mario updates us on what has happened over the past year re money and multipolarity and where this is all going we dive into an assessment of – simply put whether Central Banks Are A Good Thing Mario outlines what he would do to rebuild society and money if in a parallel universe he was Governor of the Bank of England or indeed if western money and societies collapse and need to be rebuilt Mario looks forward to how Gold is becoming more important in a multipolar World. Central Bank buying of Gold was at its highest level in 2022 since 1967 and China has started releasing its monthly purchases thereof Topics discussed include: Skiing this year in Switzerland the moves in China re money, gold, exchanges over the past year multipolarity growing rapidly – Xi's visit to Saudi Arabia comparisons of the UK losing global dominance of sterling and the US and the dollar right now the catastrophic impact – even to the US – of its freezing of Russian Central Bank reserves in 2023 – a jumping the shark if there ever was one (even in WW2 the Reichsbank Reserves were not frozen…) A thousand years inflation in England and the huge correlation between inflation and war and having Central Banks who controls the Central Banks? The fact that opinions differ widely in itself is a great pointer to a democratic deficit Central Banks and permanent war cf sound money, small government, no wars, peace permacrisis allows ever-more land-grabs by the State the median wage of the bottom 10% in the UK is lower than in Slovakia drilling in to the phrase Central Banks – the Bank of England's role has eg varied hugely since its formation in 1694 – there are many possible roles of a Central Bank the fractional reserve and creating money out of thin air existed vestigially from the start “lumbering the debt from the monarch to the people” – prior to the BoE the monarch was personally responsible for war debts – the BoE was the start of a process of moving war debts from the accounts of the King who started them to the people who didn't monetary policy in Anglo Saxon England – shaving of coins and the role of Kings in producing standardised money William Cobbett (see below) who 200 years ago wrote of how having a Central Bank makes fighting wars much easier AHM Ramsey a critic of the BoE who wrote a critique forecasting doom from the possibility of Private Banks to create money out of thin air in an inverted pyramid the origin of the expression “pay through the nose” what is the opposite of having Central Banks? How would Mario operate as the Governor of the Bank of England? multiple options at a detailed level the opposite of monopoly is competition abolishing legal tender laws challenges of transitions between monetary policy regimes – and in large part hence Napoleon and Hitler 16thC as private money worldwide and the origin of the London money markets comparisons between revolutionary France monetary situation and western economies today Alan Greenspan, future Federal Reserve Chaiman: “An almost hysterical antagonism toward the gold standard is one issue which unitesstatists of all persuasions. They seem to sense-perhaps more clearly and subtly than many consistent defenders of laissez-faire — that gold and economic freedom are inseparable, that the gold standard is an instrument of laissez-faire and that each implies and requires the other.” 1967 Mario's Crystal Ball for 2023 and future trends China and Russians motivation Maneco's sponsor shoutouts: Affiliation with @ITM TRADING, INC.  FREE Gold & Silver Wealth Strategy Call With Lynette's Team https://calendly.com/itmtrading/maneco64 or call 866-989-4368 Use promo code maneco64 to get a 0.5% discount on physical gold and silver bullion purchases at https://www.goldinvestments.co.uk/ Use referral code Billy or maneco64 at Miles Franklin Precious Metals Investments: https://www.milesfranklin.com/ and last but not least we don't even have time to dive into the Bank of England's role in the demise of PM Truss via its announcements and timings and handling of LDI issues for pensions where even US State Federal Reserve officials have commented that this is obvious (see The Critic article for example)!   Recommended books: David Graeber's “Debt – The First 5,000 Years” (amazon.co.uk) especially on the inevitable collapse of fiat monetary schemes going back to the Bible William Cobbett “Paper Against Gold; Containing the History and Mystery of the Bank of England, the Funds, the Debt, the Sinking Fund, the Bank Stoppage, the Lowering and the Raising of the Value of Paper-money” (1815) Cobbett wrote the first volume of 28 Letters while in prison for two years (1810-11) for opposing the flogging of some militia men. It it a history of how Britain funded the war effort against Napoleon by increasing the national debt, suspending the use of gold, and using paper money. Cobbett also chronicles the economic hardships imposed on ordinary working people by the disruption of trade, war taxes, and inflation of the currency.  Two key book references on the connection between monetary policy and social collapse: “Fiat Money Inflation in France” Andrew Dickson White (free pdf) “When Money Dies: The Nightmare of Deficit Spending, Devaluation, and Hyperinflation in Weimar Germany” Adam Ferguson (amazon.co.uk) And much much more

In this episode we'll go over some common terminology to help reduce the jargon of the crazy personal finance world. This is to help simplify the knowledge needed and focus on actually making progress in your financial discipline to unlock financial freedom (making money regardless of time effort and location).Some highlights of the episode topics:Rule of 72 and Compound Interest's effectMSI - what constitutes a multiple stream and how to make it effectiveAnnuity - is this a passive income?Sinking and emergency funds - how much should they be, what's the differenceGet to WORK with the JUMPSTART guideW - Why is it Even ImportantO - Organize Your Game planR - Reach out for HelpK - Knowledge to Kill it!I'm curious to hear your thoughts and how you will implement the tips provided in the episode! Please leave a review, subscribe, and/or comment your thoughts by reaching out via email at financezilla@gmail.com or Instagram @disciplineismyfreedom! If you're interested in financial coaching or corporate success coaching, feel free to reach out via the above platforms to apply or click this link for a FREE 30 min strategy call so we can work together with you to achieve your goals! Check out the YouTube version for the video here! Or grab a copy of the JUMPSTART Money Guide!The Coldest Water!  - 10% off using code FINANCEZILLAHabits365 apparel - 15% off using code FINANCEZILLA

First and foremost, I hope you have a very Merry Christmas. Like every Christmas, this time of the year brings bigger bellies and lighter pockets. No matter how hard we normally try to get ahead on holiday expenses, those costs seem to sneak up on us every year. If this was you, once again this year, I want to equip you with how to save Christmas next year by eliminating financial stress. Now, what we cover today goes beyond just Christmas savings and can be used for your everyday life. However, if you will apply this to Christmas next year, you will surely thank me for the lack of financial stress.    Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop    YouTube: https://www.youtube.com/@thefinancialmirror Facebook: https://www.facebook.com/thefinancialmirr0r Twitter: https://twitter.com/financialmirr0r Instagram: https://www.instagram.com/thefinancialmirror/ Podcast: https://thefinancialmirror.podbean.com/ If you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/ --- Support this podcast: https://podcasters.spotify.com/pod/show/thefinancialmirror/support

First and foremost, I hope you have a very Merry Christmas. Like every Christmas, this time of the year brings bigger bellies and lighter pockets. No matter how hard we normally try to get ahead on holiday expenses, those costs seem to sneak up on us every year. If this was you, once again this year, I want to equip you with how to save Christmas next year by eliminating financial stress. Now, what we cover today goes beyond just Christmas savings and can be used for your everyday life. However, if you will apply this to Christmas next year, you will surely thank me for the lack of financial stress.    Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop    YouTube: https://www.youtube.com/@thefinancialmirror Facebook: https://www.facebook.com/thefinancialmirr0r Twitter: https://twitter.com/financialmirr0r Instagram: https://www.instagram.com/thefinancialmirror/ Podcast: https://thefinancialmirror.podbean.com/ If you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/

OG Listeners will recall we had this recession conversation in June (Episode 54 of the podcast). However, since thenCentral banks have continued to struggle to control the flow of money and the Federal Reserve has raised interest rates 5 different times this year (so far)Inflation reports for September show inflation at 8.2%. Thats still high!Gas prices have fallen a bit but they're still high and OPEN is decreasing oil production starting in November 2022.I share all this to say that there is still volatility and the signs of a recession are pretty glaring. The goal is not to freak you out, but it is to put you and I on guard.  In this episode, I share 7 things to do to position yourself to weather a potential recession1. Do a financial audit 2. Revisit and ramp up your emergency fund3. Pay down high interest debt4.Bring value at work and Upskill5. Increase your income6. Diversify your investments7. Get support within your communityWe are always heading towards a recession, we just don't know when and for how long. Recessions will always have casualties but they also always have winners. Want to know more on what to do with your money right now depending in your financial situation? Listen to Episode 3 of the podcast1Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Listen to how ordinary people built extraordinary wealth - and how you can too. You'll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Rachel Cruze, John Delony, and George Kamel.

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR Dr. John Delony & Rachel Cruze discuss: Sinking funds vs. emergency funds, Should you make your kids tithe? How to budget for months with less income, I feel like I'm running out of time to save. Support Our Sponsor: Christian Healthcare Ministries Zander Insurance Splash Financial Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Every year there are expenses you know are coming! From a family vacation to holiday gift… the costs are predictable, but many are unprepared. Rachel Depompa breaks down a savings method called "sinking funds" and how it could help you meet your financial goals. See omnystudio.com/listener for privacy information.

The Church is in Danger!  Her Holy Communion rent and divided by factious and schismatical impostors.  Her primitive worship profaned and abused, her sacraments prostituted !Sacheverell, arguably the first modern type celebrity, illustrates the risks to political and social stability still faced by England.The nowadays obscure Robert Walpole is our gateway to understanding social and political developments in England through the 1740's.  He reduced the religious temperature of the country despite leading a party that was ideologically inclined to inflame it.  He built social and financial stability and helped create constitutional norms the envy of Enlightened Europe.

It may be a little early to talk about Christmas but this tip will show you how a sinking fund can help you pay for gifts without panicking in December and without going into debt.  Open a new savings or checking account to get your sinking fund started. Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!

For many immigrants and children of immigrants, travel is seen as a luxury and isn't often considered. My first time on a plane was to come to the USA (cue Coming To America) just before my 17th birthday. Now, I've been to 57 countries. In this episode, I share five tips for creating a realistic travel budget:1. How going over budget sucks and the reason many travel budgets are not realistic2. Considering the number of travelers and whether costs are splot3. Identifying all possible cost categories to avoid surprised4. Clarifying the vacation style for your trip (budget, mid-range, or luxury)5. What to research to create a reasonable budget in each category6. How I leave room for flexibility in my travel budgetAs I promised, here is the link to the blog post with details on building your travel budget. At the bottom of the post, there's a link to my travel budget template. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. See you in a few weeks!Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

If you've ever had months where it seems like every piper has come to be paid, this is the tool for you! Sinking funds will help you to alleviate those months where it seems like the property taxes are due and two birthdays are coming up and for some reason it's also the month Amazon Prime renews. Gross! In this episode we cover: ✔️ What a sinking fund is ✔️ Why you need a sinking fund ✔️ Examples of FUN sinking funds (saving for vacation) ✔️ Examples of regular ol' adulting sinking funds (car maintenance) ✔️ How to brainstorm, plan and budget your unique savings goals with sinking funds Where to put your money when you're saving it whether you're new or disciplined with budgeting. This episode is available as a blog post and your amazing sinking fund planner is available at the link below: https://myidealbalance.com/2020/09/09/what-is-a-sinking-fund-and-do-you-need-one-or-five/ Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what's holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

How does one do Christmas Credit Card Free and without Debt?  It takes some effort and intentionality, but not only is it totally doable, but there are even ways to even make it FUN.  Moreso, it's a MYTH that you need a credit card to buy online.  We've been buying online for a long time, and have been doing so without a credit card for YEARS now.  Today there are 3 tools that are AMAZING to make this easy for Canadians.ABOUT THE LISTENER QUESTION- The KOHO Card - sign up today, and get $20! - http://www.WePayOffDebt.ca/koho- How To Make a Budget You'll Actually Stick To (And Easily To!) - https://www.youtube.com/watch?v=7CKFu9y_Acw&list=PLERRPW110SDYnTJyN2KjLb1cGsXmov0SQ&index=11RELATED- The #1 Reason To Get Rid Of Your Credit Card TODAY! - https://www.youtube.com/watch?v=vQcSwi_2gY4- Living a Credit Card Free Life in Canada 2020! - https://www.youtube.com/watch?v=PIKy1ESyo2Q- Some Credit Card Math - Minimum Payments - https://www.youtube.com/watch?v=mKyW0mXzQSk

A fool proof strategy to rock the holidays, eliminate stress, spend intentionally and in control for Christmas, couches, car repairs and more; Sinking Funds!  How a Sinking Fund is different from your Emergency Fund, why you need one, and most importantly how to know how much to put in that Christmas Sinking Fund!  SHOW NOTES: https://tracy-bingaman.mykajabi.com/blog/ CORE VALUES DOWNLOAD: https://tracy-bingaman.mykajabi.com/corevalues DISCOUNT CODES: https://tracy-bingaman.mykajabi.com/discounts

This week I talk about Sinking funds and how they can help you budget more intentionally. This trick takes away the shame in guilt of having to pull from savings for irregular bills or expenses. If you need a QTip make sure you email qtipsthepodcast@gmail.com with your question to be featured on the show.

Are you thinking of moving houses, worried about your next car repair? Why not start by putting aside money into a sinking fund to meet these expected expenses. --- Send in a voice message: https://anchor.fm/getyourbagrightpodcast/message

Maintenance fee和Sinking fund是什么用途？

Is it possible to regulate your business expenses and come off of the financial roller coaster?

Goldman Sachs Bets On Masks, FedEx Earnings Report Rallies & Mnuchin Elaborates On COVID Economic Impact – Daily Financial News Summary for Tuesday, June 30, 2020 The final day of June resulted in the completion of the best quarter that Wall Street has seen since 2001. The Dow Jones rose by 0.85%, the NASDAQ by 1.87%, and the S&P 500 by 1.54%. The Dow Jones was up 16.9% for the quarter, and the S&P 500 was up 19.3% for the quarter. Gold rose sharply by 1.1% today. It settled at $1,800.50 per ounce, which is the first time it has been so high since 2011. Treasury Secretary Mnuchin spoke to the House Financial Services Committee today about the United State's economy's chance of recovery: “We are in a strong position to recover because the administration work[ed] with Congress on a bipartisan basis to pass legislation and provide liquidity to markets in record time. In addition, the PPP is keeping tens of millions of workers connected to their jobs. Economic impact payments are also helping millions of families and workers through these challenging months.” He also spoke about expecting more stimulus funding to be sent soon. Dr. Anthony Fauci of the National Institute of Allergy and Infectious Diseases spoke about Covid19 before a Senate panel today. He said that if Americans do not start to change their daily behavior, the rate of new infections could increase to 100,000 per day. Currently, the country is averaging around 40,000 new cases per day. READ MORE: https://callputstrike.com/2020/06/30/goldman-sachs-bets-on-masks-fedex-earnings-report-rallies-mnuchin-elaborates-on-covid-economic-impact-daily-financial-news-summary-for-tuesday-june-30-2020/ Financial Planning: What is a Sinking Fund? Many Americans have never heard of the term ‘sinking fund.' Not having knowledge about this means that they are depriving themselves of the financial benefit of using a sinking fund. When polled, about 40% of Americans stated that they would struggle with covering a $400 emergency expense. Sinking funds are methods of putting money aside for a rainy day, so it is not as difficult to pay for something in an emergency situation. How Does it Work? https://callputstrike.com/2020/06/30/financial-planning-what-is-a-sinking-fund/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/callputstrike/message Support this podcast: https://anchor.fm/callputstrike/support

In this episode, join the teachers on a post-mortem look at their May budget. Learn about the teacher's camping plans and how to do it on a budget, finally, how do you budget and plan for sinking funds?

In today’s episode about investing in yourself through stewarding your treasures, I talk with you about what is a sinking fund.  I share why you should care about sinking funds and their power.  I also talk with you about how this can really help you get control of your money this year.   Show Notes and Resources.

On today’s episode of the podcast, I’m answering questions from Laura, a listener of the podcast. She has some very specific questions about what to do as she works towards paying off her debt on a five-year plan that she has created alongside her husband. You’ll want to tune into this one! Sinking funds article: https://www.clevergirlfinance.com/blog/how-to-set-up-sinking-funds/ Emergency funds article: https://www.clevergirlfinance.com/blog/why-you-need-an-emergency-fund/ ❤ Get the Clever Girl Finance book: clevergirlfinance.com/book ❤ Join Clever Girl Finance: clevergirlfinance.com ❤ Follow on Instagram: instagram.com/clevergirlfinance

What do you do when you have a large expense in a month? For most people this might have to go on a credit card - but today we chat about sinking funds and how setting them up can help absorb large expenses. While emergency funds help to cover unplanned expenses, sinking funds are a great idea for semi-annual tax bills, annual insurance payments, and things that you might not know the exact dollar amount of but can save for anyway like car repair. Tune in to hear how we’ve used sinking funds and how they might benefit you.

This is the first edition of "Colt Cast," a podcast about the Comstock Public Schools. In this premier edition we talk about: - NEMS social studies teacher Cindy Bloom, and her upcoming expedition to the British and Irish Isles - STEM Academy's Science Olympiad coach, and a couple of the SciOly competitors about their trip to Michigan State University for the State Science Olympiad competition - The May 7 Sinking Fund ballot measure

A sinking fund is a way to put money aside for planned expenses.  This is different than an emergency fund which is for UNplanned expenses. A sinking fund is putting money aside each time you get paid to fund upcoming expenses. For example, a sinking fund could be used for Christmas. Based on Christmas 2018, how much did you spend? Take that amount and divide it by the number of months till Christmas and that’s how much you need to save each month for a sinking fund which will pay for Christmas 2019. Sinking funds can be used for vacation, home upgrades, tax bills, back to school shopping or any other planned expense. Sinking funds are a great way to get ahead of the spending curve and avoid that debt monster! Check out our blog for more on this topic.

I’ve not seen a sinking fund forecast that includes waterproofing even though the body corporate is often responsible for replacing it over time. In this episode I talk about why it’s not included and what a Committee can do about that.

How I usually prepare a draft sinking fund budget where there is no sinking fund forecast or it is completely out of date.

A quick overview of my thought process when budgeting levies for a sinking fund which is based on a completely out of date forecast.

Today I give a very basic overview of what a sinking fund is.

In today’s episode I talk about the top 5 sinking fund myths: 1. When an owner sells they get all the SF levies they have paid over time back - no they fucking do not the body corporate is not a borrower of owners monies. 2. If the body corporate runs out of admin fund levies we can just use the sinking fund: wrong- it is there for future capital works. 3. We don’t need a sinking fund: yes you do. Also good luck selling if you don’t have one and the law says you have to have one. 4. But my friend only pays $x. Great. That is not even slightly relevant to what you pay or what you should pay. 5. We should only pay $200 per quarter into the SF and no more. Sure. If you want to have to find 10-15k when your roof needs replacing and also good luck selling when there’s not enough money.

Ships need a reliable way to know their exact location at sea -- and for centuries, the lack of a dependable method caused shipwrecks and economic havoc for every seafaring nation. In this week's episode of the Futility Closet podcast we'll meet John Harrison, the self-taught English clockmaker who dedicated his life to crafting a reliable solution to this crucial problem. We'll also admire a dentist and puzzle over a magic bus stop. Intro: Working in an Antarctic tent in 1908, Douglas Mawson found himself persistently interrupted by Edgeworth David. In 1905, Sir Gilbert Parker claimed to have seen the astral body of Sir Crane Rasch in the House of Commons. Sources for our feature on John Harrison: Dava Sobel and William H. Andrews, The Illustrated Longitude, 1995. William J.H. Andrewes, ed., The Quest for Longitude, 1996. Katy Barrett, "'Explaining' Themselves: The Barrington Papers, the Board of Longitude, and the Fate of John Harrison," Notes and Records of the Royal Society of London 65:2 (June 20, 2011), 145-162. William E. Carter and Merri S. Carter, "The Age of Sail: A Time When the Fortunes of Nations and Lives of Seamen Literally Turned With the Winds Their Ships Encountered at Sea," Journal of Navigation 63:4 (October 2010), 717-731. J.A. Bennett, "Science Lost and Longitude Found: The Tercentenary of John Harrison," Journal for the History of Astronomy 24:4 (1993), 281-287. Arnold Wolfendale, "Shipwrecks, Clocks and Westminster Abbey: The Story of John Harrison," Historian 97 (Spring 2008), 14-17. William E. Carter and Merri Sue Carter, "The British Longitude Act Reconsidered," American Scientist 100:2 (March/April 2012), 102-105. Robin W. Spencer, "Open Innovation in the Eighteenth Century: The Longitude Problem," Research Technology Management 55:4 (July/August 2012), 39-43. "Longitude Found: John Harrison," Royal Museums Greenwich (accessed Aug. 27, 2017). "John Harrison," American Society of Mechanical Engineers (accessed Aug. 27, 2017). J.C. Taylor and A.W. Wolfendale, "John Harrison: Clockmaker and Copley Medalist," Notes and Records, Royal Society Journal of the History of Science, Jan. 22, 2007. An Act for the Encouragement of John Harrison, to Publish and Make Known His Invention of a Machine or Watch, for the Discovery of the Longitude at Sea, 1763. John Harrison, An Account of the Proceedings, in Order to the Discovery of the Longitude, 1763. John Harrison, A Narrative of the Proceedings Relative to the Discovery of the Longitude at Sea, 1765. Nevil Maskelyne, An Account of the Going of Mr. John Harrison's Watch, at the Royal Observatory, 1767. John Harrison, Remarks on a Pamphlet Lately Published by the Rev. Mr. Maskelyne, 1767. An Act for Granting to His Majesty a Certain Sum of Money Out of the Sinking Fund, 1773. John Harrison, A Description Concerning Such Mechanism as Will Afford a Nice, or True Mensuration of Time, 1775. Steve Connor, "John Harrison's 'Longitude' Clock Sets New Record -- 300 Years On," Independent, April 18, 2015. Robin McKie, "Clockmaker John Harrison Vindicated 250 Years After 'Absurd' Claims," Guardian, April 18, 2015. Listener mail: Charlie Hintz, "DNA Ends 120 Year Mystery of H.H. Holmes' Death," Cult of Weird, Aug. 31, 2017. "Descendant of H.H. Holmes Reveals What He Found at Serial Killer's Gravesite in Delaware County," NBC10, July 18, 2017. Brian X. McCrone and George Spencer, "Was It Really 'America's First Serial Killer' H.H. Holmes Buried in a Delaware County Grave?", NBC10, Aug. 31, 2017. Daniel Hahn, The Tower Menagerie, 2004. James Owen, "Medieval Lion Skulls Reveal Secrets of Tower of London 'Zoo,'" National Geographic News, Nov. 3, 2005. Richard Davey, Tower of London, 1910. Bill Bailey reads from the Indonesian-to-English phrasebook Practical Dialogues: https://www.youtube.com/watch?v=rZZv6D4hpK8 A few photos of Practical Dialogues. This week's lateral thinking puzzle was contributed by listener Oskar Sigvardsson, who sent these corroborating links (warning -- these spoil the puzzle). You can listen using the player above, download this episode directly, or subscribe on iTunes or Google Play Music or via the RSS feed at http://feedpress.me/futilitycloset. Please consider becoming a patron of Futility Closet -- on our Patreon page you can pledge any amount per episode, and we've set up some rewards to help thank you for your support. You can also make a one-time donation on the Support Us page of the Futility Closet website. Many thanks to Doug Ross for the music in this episode. If you have any questions or comments you can reach us at podcast@futilitycloset.com. Thanks for listening!

Today I'm going to be talking about the sinking fund. I'll talk about what it is and how we can use it to better our budgeting processes. If a sinking fund sounds a little intimidating, you'll want to tune in to this episode to learn more. A sinking fund can help you with saving for Christmas, paying for your auto insurance, paying for taxes, and any other expected large amount that you'll need to pay in any given year. The sinking fund can even help you to better plan for your vacation without using a credit card! Paying cash for a vacation makes it a true vacation since you're not preoccupied the entire time with how you'll need to pay off the vacation when you get back.   If you liked this show so far, please take a minute to subscribe to the show, rate it, and leave a review. Your positive and kind words are always appreciated.   Visit the http://followmeoutofdebt.com website to read my blog and get my latest status updates on my personal journey out of debt and into prosperity!

Sinking Fund part 2

Sinking Fund