Many people’s financial plans emphasize frugality today for prosperity tomorrow.

Preparing for the future is much easier when we’re enjoying the present.

There are many good reasons to take a vacation – taking some time away from the stresses of work and daily life to focus on spending time engaging in stimulating (or relaxing) activities with family members and friends in a new setting can recharge your batteries. It will give you added perspective on your life and work, and you’ll return to your regular routine invigorated and more productive. And your health can be greatly improved.

Prolonged periods of work without a vacation have been shown to have numerous medical consequences – people who are “all work and no play” become irritable and inattentive, and are more likely to have accidents on the job. They are at higher risk of cardiovascular problems, depression, anxiety, and other illnesses, both physical and mental.

Your financial plan should be flexible enough that you don’t need to save every last dollar you make for retirement. Life is about balance, just like vacations are about balance. By helping you make wise budgetary decisions, you achieve a balance by making judicious investments – in both your financial future and your happiness today.

Working with a financial planner will help you need to determine your individual needs and wants (such as going away on a family vacation). The financial planner will also assist in developing a a financial plan that fits your personality, and investment goals.

It’s shortly after New Year’s, and that means resolutions. And it’s not too late to set a New Year’s Resolution for your finances. The goals that are most successfully accomplished are those that are manageable, not too overwhelming. So let’s look at one financial goal that is manageable enough to be accomplished this year.

Pay a little bit extra on your mortgage every month. Make it small enough that you can manage it every month, but not so much that it is stressful. Start with a small success and then build on it.

Let’s see how paying just a little more on your mortgage could really benefit your finances in the long run.

For example, if you have a 30-year mortgage for $150,000 at an interest rate of three percent, paying an additional $100 each month would save you a total of $17,214 and you would pay it off six years early. If you were only able to increase the amount to an extra $50 per month, you would still save $9,719 and pay it off three years and four months early.

If you have a 20 year for $100,000 at 4% interest, and added $50 a month to your payment, your loan would be shortened by 26 months, saving you a total of $5,563. If the same loan had an extra $100 paid on it each month, that would be $9,883 saved and it would be paid of three years and eleven months early.

So making a small sacrifice each month to pay a little bit extra on your mortgage can save you a significant amount of money in the future.

Now for the question of where to get an extra $50-$100 each month. One recommendation would be to make this extra amount automatic. Have it taken out of your paycheck or bank account automatically. If you never see it, it’s a small enough amount that hopefully you won’t feel it too much. For example, if you are paying an extra $50 per month and get paid weekly, that’s only $10 or $12.50 out of the paycheck (depending on how many weeks are in the month).

Here are a few suggestions to help you with that extra money you need each month. Don’t buy lottery tickets. Take a lunch to work and eat out a few less times each month. Make your own coffee instead of stopping to buy some on your way to work.

Dave Ramsey wrote a book called The Legacy Journey: A Radical View of Biblical Wealth and Generosity. I like this book because it discusses how money is from God, and we are therefore His stewards.

Some will try to convince you that money is inherently evil.

Your Financial Legacy Starts With Building A Strong Financial Foundation

Financially helping others is your end goal. But, you can’t do that if you are in financial trouble. Therefore, your first step is strengthening yourself money-wise so you can assist others. With a secure foundation, you can be a great benefit to people in need. For example, you must stand on higher ground before you can lift someone else.

Giving generously to charity is difficult at this point because you are focused on conquering your debt and mastering your spending habits.

Mastering your spending habits is often complex, but a simple idea and not always easy to employ is paying yourself first. Some attribute consistently saving a percentage of everything you make as the most important financial habit. A second critical practice Dave teaches living by a budget, and the rich are not left off the hook because they are not living paycheck to paycheck.

Beating debt requires discipline. For example often, financial discipline means looking at money and possessions differently. Furthermore, shopping cannot be your stress reliever. Similarly, if paying yourself first is the most important financial habit, the second greatest attitude is contentment.

Step Two: Create A Vision For Your Life And Family

Every family and individual need a vision. For instance, a clear and sharp vision will bridge the gap between where you are and where you need to arrive.

Many people are stressed out and can’t sleep because of crippling debt. Similarly, always fighting with your spouse over money problems is draining on a marriage. As a result, the constant stress and fighting blocks you from concentrating on your vision and dreams.

The Power of Giving

Dave strongly emphasizes paying tithing to your church.

Giving 10 percent of your income to your church changes you. It prepares and softens your heart and magnifies your power to give. Dave attributes the lavish Christmas parties he throws for his employees as a result of tithing. Tithing turned him into a generous giver.

He says giving to the kingdom of God is the greatest investment you will make. However, there are many ministries and charities you could donate to, but not all of them are worthy of your hard earned money. Therefore, he suggests you research them like you would any business deal. For example, many ministries and charities manage their money and resources horribly.

Financial services refer to the services provided by the finance industry. Also, this term is used to describe organizations dealing with the management of money, like credit card companies, insurance firms, investment banks, stock brokerages, and banks. These are the types of firms that compromise the market, providing a wide range of investment and money-related services. In terms of earnings, financial services are considered the largest market resource in the world.

Important Things You Must Be Aware Of

Generally, these services are not limited to the field of deposit-withdrawal, investment, and loan services; but rather in the fields of estate, securities, insurance, trust services, and all forms of financial intermediation like the distribution of financial products as well.

Every day, the needs and expectations of consumers are growing. Hence, making the mark in boosting personal wealth becomes a necessity. Intense competition has cuddled market margins as well as forced plenty of companies to cut costs whilst improving the quality of customer choice and service.

As most organizations are striving to be more entrepreneurial and innovative, the war for talent is escalating. And as the products become more complex and the business environment more uncertain, the risks increase. At the same time, rules and regulation are the tightening highlight within the reach of government and public pressure for improved transparency, supremacy, and accountability.

Today, the winners are those firms transforming the challenges into opportunities to establish more enduring and stronger customer relationships, unlock creativity and talent, and to sharpen their process efficiency. Apart from that, these companies also view these challenges as a means to boost their risk management processes so they can deliver more sustainable returns. Furthermore, they use used regulatory demands as a catalyst for improving market confidence and strengthening the business.

The challenges in the financial services market are indeed forcing the participants to keep pace with technological advances, as well as to be more efficient and proactive whilst reducing risks and costs.

Today, there are already a lot of companies working hand in hand with reputable financial organizations around the world to develop a very sound networking strategy for connecting firms with suppliers, employees, partners, and customers.

Indeed, the financial services market is dynamic and diverse. There are plenty of important things you must be aware of to better understand how such industry operates. It is certainly an ever-changing, high-growth, and versatile market. Businesses with various needs must know that such market offers several selections of suitable financial services.

The financial system is in crisis with banks charging exorbitant fees and mortgages going through the roof as people struggle to own a home. Some are even desperate to find a home of any type in which to live. In contrast those at the top of the money scale may own dozens of houses, even whole blocks of them, and leave them empty to appreciate in value. This is the new money cow and next to food houses are chief target areas for the wealthy.

Renting houses for tenants to pay off mortgages is a great way to make money and in some countries, such as Australia, they are negatively geared so that taxes can be avoided. That works by calling them ‘investments’ or, in other words, business enterprises. Any outlay required for maintenance and even interest charged on the mortgage is then a tax deduction.

The recent explosive ‘Panama papers’ released in early April show the extent of tax fraud exercised by people of different occupations from Prime Ministers down to common criminals and drug dealers. Off shore tax havens are legal in most countries and the extent of corruption within the systems that are at the base of the World Order is horrendous.

It starts with politics and religions and the two go hand in hand. If one can be free of guilt then the door to corruption is wide open. Forgiveness of sins is that channel and the Catholic Church and others that exercise control over it are the work of 666.

Following my reincarnation and with a strong link to the Spirit of the Universe it commissioned me to tear down the wall of blindness that was built by the first beast of Revelation 13 and strengthened by the second. The latter is Constantine, emperor of Rome and the one who established the Catholic Church in 325 AD at the Council of Nicaea.

He is the Amorite of Amos 2:5 and the Amors inhabited Babylon, the home of Islam where the chief god was the sun-star. Its name is Mary and it means ‘mother’s powerful eye’. Stylised into a woman whom men dreamed of ‘marrying’ they died on crosses at dawn for this right. It is the origin of Father God and patriarchal notions that saw women discriminated against, even hated, by men.

The Eye Star appeared at Spring Equinox and is the origin of Easter. The number of men dying to become gods in heaven was outlawed by Constantine who put up the image of Jesus Christ to replace the tradition. He altered the date of Easter to align with the new moon and changed the Sabbath to Sunday, the ‘dies solis’ or ‘festival to the sun’. He reinstated Mary as the Mother of God.

Constantine is also the brains behind the legal, political, and financial systems that run the world. That means that those who engage in them are in cahoots with 666. They ignore the Spirit within and the chance for eternal life as the false gods associated with money and power rule over them.

Managing your wealth, no matter how big or small, is a cumbersome task. Your financial advisor helps to keep your money safe while making it work for you. Before you start working with someone, ask them these important questions.

What Certifications Do You Have?

You need to know what licenses and certification your financial advisor has. Most of the top consultants are certified public accountants, fund specialists, consultants, or analysts. Some even carry a Juris doctorate and insurance licenses. While everyone has to start somewhere, you want to work with a firm that has extensive experience in the field.

What Safeguards Are in Place to Protect Assets from Fraud?

Your assets need to be protected by a reputable custodian. When you ask about safeguards, you should also ask about any infractions he or she has received in the past both with the firm and as an individual. To provide you with the best service, your financial advisor should be a fiduciary.

Consultants with a strict code of ethics have standards that they share with their clients. However, no matter their standards, they should be in compliance with Financial Industry Regulatory Authority, state and regulatory agencies, and the Security’s and Exchange Commission.

What Are Your Fees?

When it comes to fees, your counselor should be 100 percent transparent. He or she needs to explain his or her exact fee structure, so you understand how you are paying. Some are fee-only, meaning they provide a flat rate for services rendered.

Some investment consultants charge a commission fee. That means they make money off each product you purchase to help your investments grow. It is important to know which one you are working with, or if you are with someone who charges a fee in addition to earning commissions.

What Access Do You Have to Earning Reports?

As your financial advisor, he or she should have direct access to the top holdings of where your investments are. He or she needs to be able to tell you immediately what the earnings report is anytime you call.

At the very least, he or she should be able to educate you on your holdings before any investment of assets. By educating you on available options and what assets are invested, you can better understand what the consultant suggests.

How Often Do You Communicate

When it comes to letting you know how your money is doing, the counselor should be open to communication. He or she should send out weekly announcements about the market. Also, you must be informed of trade notifications immediately and receive an explanation on every buy and sell option. Most firms also send out information about their monthly investment outlook as well as a quarterly outlook. Brokers also offer to keep their customers informed with educational information and fact sheets.

Ask the tough questions of a financial advisor before asking him or her to manage your funds. It helps you to weed out the inexperienced and shady consultants before losing any money.

If anyone wants to know why money was invented they need to look at the power that it generates. Politically it is the mainstay of governments while religiously it has grown gods and made their organisations indispensable. So where does it fit into the scheme of human behaviour and why is it at the root of the World Order? One could may assume that something other than an invented commodity would fit that role so why doesn’t it?

When humans took to a sedentary life and gave up wandering the forests and taking their food from the land, as God originally intended, they had time to think about other things. In the depositions of their living areas archaeologist have uncovered tales of their development from what might be termed primitive living to the more sophisticated trade deals and exchange of goods.

Other things crop up as well and chief among them is the religious side of life and the sacred sites where they imprinted their feelings and beliefs on items in art form. Over time the images became ever more lifelike and their meanings clearer. It was there where my research discovered the power.

It came first in the form of an exchange between humanity and the Sun-God. This unmistakable giving of life for prosperity permeates the ancient world and mysterious sites, like Stonehenge in England, or the temples of the Maya in Mexico. They stand as fortresses of power holding a code within that is only now interpretable.

My reincarnation and evidence that there is no heaven or hell is behind my ability to look at these sites from a different perspective and without the religious bias to better understand their meaning. It is a fact that the ancients were desperate to communicate with the sun and they worked out ways to do that. One way was to send a man up riding the cross as a kite to mate with the Mother God. This is shown in rock art in Nordic regions, such as Ostergotland (star of god’s land).

Dispersed light creates rings of seven colours, the same as the rainbow, and the number for ‘her’ is ‘seven’. The man is number 8 and multiplied together 7×8 is 56, the number of holes in the outer circle of Stonehenge. Both these numbers are linked to ancient beliefs that carry over into modern religious practices.

There are 7 candles on the altar of Christian churches, and 7 lights in the normal Jewish menorah, and so on. There are also 7 days of the week and 3×7 is 21, another mystical number. The 3 represents the ancient trinity of Mother God, sun and light.

Stonehenge displays the practice of exchanging god-men on crosses for fertility of the earth. The core of the site is the horse-shoe shape enclosed by the trilithons, made of 2 upright stones with a cap supporting them are the top. The ‘horse’ features prominently in ancient rituals and the white horse was etched out of the underlying chalk in several places in both Britain and Europe.

In time the use of circles as a symbol of exchange gave rise to the coins that were imprinted with the king’s head because he was supposedly the one married to the sun. The magic of handing over his image in exchange for goods took hold and gave rise to the monetary system. It was enhanced by Constantine, who established the Catholic Church in the year 325. He is also the one who organised the system of commerce that is still in play.