Queen Esther

Thank  you  for  sharing !  I  learn  ASL and  DGS  step by step  too...  have  alot  SL  video's  -  but  cant post  them  all...  little  difficult,  when  its  not  from  youtube  ---  We have  2  SL  categories  here,  in  English  and  German  ;o)

Oohhh....  looks  like  a  JW  ORG   *Drachen*  -  its  a  German  word  for   that -  Kiddies  like  it  flying  Drachen  in  Sept.  when  our  first  wind  is  coming  ;o)

Oh,  thats  very  difficult!  Everyone  has  other  problems.... I  had  more  persons  for  helping....  its  really  not  so  easy !  But  with love  and  listen,  we  can  hear  alot  and  helping  too !   DEPRESSION  is  a   very  special  sickness...  needs  alot  sensibility  -  I  am  a  person,  feeling  that  -  but  for  others  in  a  cong  its  more  complicated.....

NEW   IDEA'S !!    maybe  helping  you ?    *AN  INTERESTING  REPORT*

How millionaires under 40 manage their money....

Millionaires under 40 are more likely to hold on to cash, a report found.

Alas, there are some people who are lucky enough to be both young and rich.

And a report released last month by Capgemini Consulting showed some interesting trends in the strategies young millionaires use to manage their money.

In many ways, millionaires under 40 are even more conservative than their boomer counterparts. They are more likely to hold on to cash, less likely to invest in stocks and more prone to stashing money in alternative investments.

The findings, combined with other studies on how the younger-than-40 crowd handle their money, may even offer lessons for people who don’t have much wealth yet but are striving for it.

Here are some of the money management strategies that stand out among the young and wealthy.

They have plenty of cash on hand. Millionaires under 40 held about a third of their total assets in cash, including physical cash and money kept in the bank, like a checking account, according to the report. When asked why it was important for them to have so much cash, 17 percent of young investors said they wanted to be ready to pounce on the right investment opportunities when they arise. Thirty one percent said they wanted money on hand to be able to live the lifestyle they want. (Those vacations, shopping trips and nice meals need to be paid for somehow.)

Millennials who are more concerned with paying off their debt and covering the bills may have a hard time relating to that mentality. But some of the motivations pushing young millionaires to have cash in the bank aren’t that different from the reasons encouraging other millennials to build up a cash cushion. About 28 percent of young millionaires said it was important for them to have cash as a way to protect themselves from market volatility, according to Capgemini. It’s in line with other studies suggesting that millennials are nervous about taking on too much risk with their savings, even if they won’t need the money for a while. But there is a cost to holding too much cash, said Greg Popera, a private wealth adviser with Merrill Lynch. People who neglect to invest at least part of their funds in stocks, real estate and other assets may miss out on potentially higher returns over time, he said.

They spread their bets. As for the part of their wealth that is being invested, the young and wealthy are not relying too much on any single approach. Roughly 30 percent of their assets were held with wealth managers who could help them build a portfolio of stocks, bonds and other traditional investments. But about 40 percent of their portfolios were split up among less traditional investments including real estate, a business and other alternative investments.

That broad category of alternative investments can include gold, hedge funds or other asset classes that are expected to behave differently than the stock market, financial advisers say. For example, while stock markets were plunging on the day after Britain announced it had voted to leave the European Union, the price of gold soared.

By branching out into real estate, which can lead to rental income, investors are creating additional income streams that are not tied to the stock market or to their main jobs, financial advisers say. Investing in a business by buying a sizable stake in a company or by starting a small business can boost wealth and lead to big payouts when a business does well. But because such investments always require more risk, business investments tend to make up a smaller portion of the overall portfolio — about 13 percent — when compared to cash.

They consult friends and the web. When seeking advice on how to best manage their money, younger millionaires are more likely to turn to family, friends and the internet for guidance than they are to hire a professional when compared to older generations. Consider, among the under 40 group, just 17 percent of assets were with a primary wealth manager, compared to 27 percent for millionaires of all ages in North America. And a separate study from TD Ameritrade found that 28 percent of millennials turn to their friends for financial advice, compared to 15 percent of boomers, who were more likely to turn to a professional.

‘‘More and more we know that for this newer generation, traditional wealth management does not work,’’ said Tej Vakta, senior leader of global capital markets with Capgemini Financial Services. Younger investors were more likely than boomers to say that it was important for their adviser to offer online services that allow them to track or control their investments, Vakta said. But demand for online options is growing among all investors: Sixty-seven percent of millionaires of all ages said this year that they wanted an automated advice option, or a so-called robo-adviser, up from 49 percent in 2015, according to Capgemini.

They invest with a purpose. In addition to looking for investments that will boost their portfolios, many young investors — and not just the rich — want to know that their dollars are going toward the social causes that matter to them. Through a strategy known as socially responsible investing, some investors work with an adviser to dedicate a portion of their money to companies they feel are working to advance a certain issue, such as climate change. In other cases, investors will ask their advisers or brokerage firms to exclude industries they don’t want to support, such as alcohol companies, tobacco companies or gun manufacturers. Investors can also use mutual funds or exchange traded funds that offer similar strategies.

The approach is particularly common among younger investors. Some 60 percent of millennials and 34 percent of Generation X investors said they wanted to use or were currently using social impact investments, according to a 2015 report from U.S. Trust, a unit of Bank of America.

‘‘It’s a feel good return,’’ said Richard Dale Horn, senior vice president of wealth management for UBS Financial Services. Still, investors should make sure that their efforts to exclude certain industries don’t leave them investing too heavily in any one sector,  Horn said,

‘‘I think you have to have a balance.’   ***************************************************

I  mean,  debts  never  *good*... 

Do  you  know,  on  which  place  this  *handing  out*  happened ?  By  a  convention  or  in  a  Bethel,  or  congregation,  or  for  all  people ?  Thank  you  ;-)

How millionaires under 40 manage their money......   ;o)

Millionaires under 40 are more likely to hold on to cash, a report found.

Alas, there are some people who are lucky enough to be both young and rich.

And a report released last month by Capgemini Consulting showed some interesting trends in the strategies young millionaires use to manage their money.

In many ways, millionaires under 40 are even more conservative than their boomer counterparts. They are more likely to hold on to cash, less likely to invest in stocks and more prone to stashing money in alternative investments.

The findings, combined with other studies on how the younger-than-40 crowd handle their money, may even offer lessons for people who don’t have much wealth yet but are striving for it.

Here are some of the money management strategies that stand out among the young and wealthy.

They have plenty of cash on hand. Millionaires under 40 held about a third of their total assets in cash, including physical cash and money kept in the bank, like a checking account, according to the report. When asked why it was important for them to have so much cash, 17 percent of young investors said they wanted to be ready to pounce on the right investment opportunities when they arise. Thirty one percent said they wanted money on hand to be able to live the lifestyle they want. (Those vacations, shopping trips and nice meals need to be paid for somehow.)

Millennials who are more concerned with paying off their debt and covering the bills may have a hard time relating to that mentality. But some of the motivations pushing young millionaires to have cash in the bank aren’t that different from the reasons encouraging other millennials to build up a cash cushion. About 28 percent of young millionaires said it was important for them to have cash as a way to protect themselves from market volatility, according to Capgemini. It’s in line with other studies suggesting that millennials are nervous about taking on too much risk with their savings, even if they won’t need the money for a while. But there is a cost to holding too much cash, said Greg Popera, a private wealth adviser with Merrill Lynch. People who neglect to invest at least part of their funds in stocks, real estate and other assets may miss out on potentially higher returns over time, he said.

They spread their bets. As for the part of their wealth that is being invested, the young and wealthy are not relying too much on any single approach. Roughly 30 percent of their assets were held with wealth managers who could help them build a portfolio of stocks, bonds and other traditional investments. But about 40 percent of their portfolios were split up among less traditional investments including real estate, a business and other alternative investments.

That broad category of alternative investments can include gold, hedge funds or other asset classes that are expected to behave differently than the stock market, financial advisers say. For example, while stock markets were plunging on the day after Britain announced it had voted to leave the European Union, the price of gold soared.

By branching out into real estate, which can lead to rental income, investors are creating additional income streams that are not tied to the stock market or to their main jobs, financial advisers say. Investing in a business by buying a sizable stake in a company or by starting a small business can boost wealth and lead to big payouts when a business does well. But because such investments always require more risk, business investments tend to make up a smaller portion of the overall portfolio — about 13 percent — when compared to cash.

They consult friends and the web. When seeking advice on how to best manage their money, younger millionaires are more likely to turn to family, friends and the internet for guidance than they are to hire a professional when compared to older generations. Consider, among the under 40 group, just 17 percent of assets were with a primary wealth manager, compared to 27 percent for millionaires of all ages in North America. And a separate study from TD Ameritrade found that 28 percent of millennials turn to their friends for financial advice, compared to 15 percent of boomers, who were more likely to turn to a professional.

‘‘More and more we know that for this newer generation, traditional wealth management does not work,’’ said Tej Vakta, senior leader of global capital markets with Capgemini Financial Services. Younger investors were more likely than boomers to say that it was important for their adviser to offer online services that allow them to track or control their investments, Vakta said. But demand for online options is growing among all investors: Sixty-seven percent of millionaires of all ages said this year that they wanted an automated advice option, or a so-called robo-adviser, up from 49 percent in 2015, according to Capgemini.

They invest with a purpose. In addition to looking for investments that will boost their portfolios, many young investors — and not just the rich — want to know that their dollars are going toward the social causes that matter to them. Through a strategy known as socially responsible investing, some investors work with an adviser to dedicate a portion of their money to companies they feel are working to advance a certain issue, such as climate change. In other cases, investors will ask their advisers or brokerage firms to exclude industries they don’t want to support, such as alcohol companies, tobacco companies or gun manufacturers. Investors can also use mutual funds or exchange traded funds that offer similar strategies.

The approach is particularly common among younger investors. Some 60 percent of millennials and 34 percent of Generation X investors said they wanted to use or were currently using social impact investments, according to a 2015 report from U.S. Trust, a unit of Bank of America.

‘‘It’s a feel good return,’’ said Richard Dale Horn, senior vice president of wealth management for UBS Financial Services. Still, investors should make sure that their efforts to exclude certain industries don’t leave them investing too heavily in any one sector, Horn said. ‘‘I think you have to have a balance.’’

PERHAPS,  THIS  VERY  INTERESTING  REPORT  CAN  HELP  YOU...

I  posted  the  same  before  some  days  by  *post a photo*.....   Kurt  ;o)

Very  rare,  parents  showing  such  of  prayers  to  their  childs....  But  Jehovah  will  be  happy ❤

GARDEN  EDEN....

BEFORE  the  first  sin !   But  the  serpent  was  already  watching   Adam & Eve...

My  died  old  granny  could  only  call  with  a  big  black  phone  in  the  past,  sorry,

but  very  good  cooking !   hmmm....   tasty !

Not using Mint yet ?  Download the free app today and you’ll be budgeting like a boss, before you know it.   

Its  a  swanky  car....   maybe  for  Trump,  but  he  prefers  his  own  air-plane !  WHAT  a  showoff....   What  a  crazy  world  we  have  ;-(

Deine eigenen Tröstungen begannen meine Seele zu liebkosen (Ps. 94:19)

http://wol.jw.org/de/wol/dt/r10/lp-x/2016/7/5

Jehova hat Mitgefühl mit Leidenden (Jes. 49:13). Das Bibelstudium kann uns Jehovas liebevolles Interesse so sehr bewusst machen, dass wir seine tiefe Liebe gern erwidern. Beten wir außerdem häufig, kommen wir dem „Hörer des Gebets“ immer näher (Ps. 65:2). Merken wir, wie er uns erhört, vertieft sich unsere Liebe zu ihm. Vielleicht haben wir erlebt, dass Jehova keine Versuchung zulässt, der wir nicht widerstehen können (1. Kor. 10:13). Wenn wir besorgt sind und ihn anflehen, können wir den unvergleichlichen „Frieden Gottes“ verspüren (Phil. 4:6, 7). Mitunter beten wir im Stillen und stellen — wie Nehemia — fest: Jehova hat uns erhört (Neh. 2:1-6). Wenn wir im Gebet verharren, lieben wir Gott noch mehr und vertrauen noch mehr darauf, dass er uns in Glaubensprüfungen hilft (Röm. 12:12). w14 15. 6. 1:15, 16

Just now, JAMMY said:

Do you not have a rowboat? lol

Hahahahahaha....  no,  but  I  can  swim ! 

6 minutes ago, Sarah Montagna. said:

Come free in my car. ???

Over  the  ocean...  with  a  car ??   hahaha....  I  need  a  plane !  But  its  only  a  joke  ;o)

37 minutes ago, JAMMY said:

http://money.usnews.com/money/personal-finance/articles/2016-07-01/how-banks-are-working-to-gain-your-loyalty

Here's a look at how banks are hoping to make you a customer for life....

Η παρηγοριά σου άρχισε να χαϊδεύει την ψυχή μου.—Ψαλμ. 94:19.

http://wol.jw.org/el/wol/dt/r11/lp-g/2016/7/5

Ο Ιεχωβά εκδηλώνει έλεος σε όσους υποφέρουν. (Ησ. 49:13) Μελετώντας τη Γραφή, συνειδητοποιούμε τόσο έντονα το στοργικό ενδιαφέρον του Ιεχωβά για εμάς ώστε υποκινούμαστε να τον αγαπάμε ακόμη πιο βαθιά. Πρέπει επίσης να προσευχόμαστε στον Θεό τακτικά. Οι προσευχές μας μάς φέρνουν όλο και πιο κοντά σε “Αυτόν που ακούει προσευχή”. (Ψαλμ. 65:2) Όταν βλέπουμε ότι ο Θεός απαντάει στις προσευχές μας, η αγάπη μας για αυτόν αυξάνεται. Για παράδειγμα, ίσως έχουμε διακρίνει ότι δεν μας αφήνει να πειραστούμε πέρα από αυτό που μπορούμε να αντέξουμε. (1 Κορ. 10:13) Όταν νιώθουμε ανησυχία και στρεφόμαστε στον Ιεχωβά με ένθερμη δέηση, μπορούμε να αισθανθούμε την ασύγκριτη «ειρήνη του Θεού». (Φιλιπ. 4:6, 7) Μερικές φορές, ίσως κάνουμε μια σιωπηλή προσευχή—όπως ο Νεεμίας—και έπειτα συνειδητοποιούμε ότι ο Θεός μάς απάντησε. (Νεεμ. 2:1-6) Καθώς “εγκαρτερούμε στην προσευχή”, η αγάπη μας για τον Θεό μεγαλώνει, όπως και η πεποίθησή μας ότι θα μας βοηθήσει να αντιμετωπίσουμε οποιεσδήποτε άλλες δοκιμασίες της πίστης.—Ρωμ. 12:12. w14 15/6 1:15, 16

Hahahahahaha....   very  expensive  massage,  flying  to  USA  for  that  ;o)

You comforted and soothed me.—Ps. 94:19.

http://wol.jw.org/en/wol/dt/r1/lp-e/2016/7/5

Jehovah shows mercy to those who suffer. (Isa. 49:13) Bible study can make us so keenly aware of Jehovah’s loving concern for us that we are inclined to respond with deep love for him. Also, we should pray to God regularly. Our prayers draw us ever closer to the “Hearer of prayer.” (Ps. 65:2) When we discern that God is answering our prayers, our love for him deepens. For instance, we may have seen that he does not allow us to be tempted beyond what we can bear. (1 Cor. 10:13) If we have anxiety and turn to Jehovah in earnest supplication, we may well experience the incomparable “peace of God.” (Phil. 4:6, 7) At times, we may say a silent prayer—as Nehemiah did—and come to realize that it is being answered. (Neh. 2:1-6) As we “persevere in prayer,” our love for God grows and so does our confidence that he will help us to cope with further tests of faith.—Rom. 12:12. w14 6/15 1:15, 16

For  the  ears  I  saw  that  video  by  youtube...   But  by  thousands  of  hours,

Sarah  of  sure  can  tell,  if  its  ok. so.....  thanks !

9 minutes ago, Sonita said:

Yo vivo con un presupuesto para los próximos meses. Me ayuda a dar prioridad a lo más importante y no gastar más de lo que debería. 

 

Una muy buena actitud y la solución!

A Budget is a quantitative expression of a plan for a defined period of time.  It may include planned sales volumes and revenues, resource quantities, costs and expenses, assets, liabilities and cash flows. It expresses strategic plans of business units, organizations, activities or events in measurable terms.

A budget (derived from old French word bougette, purse)  is a quantified financial plan for a forthcoming accounting period.

A budget is an important concept in microeconomics, which uses a budget line to illustrate the trade-offs between two or more goods. In other terms, a budget is an organizational plan stated in monetary terms.

We  all  need  a  little  Budget...    you  too !

Do you  know  *low  budgets*  movies ?  They're  making  with  few  money !  That  are  my  idea's  to  your  question.  I'm  sure,  you're  better  informed...

PS.  Money  has  NO  priority  by  JW....

I know a JW couple from Switzerland. They were gone with their 3 childs for 5 years to one of the inhabited Islands of far away TONGA... long years ago.  They started with others, searching humans for JEHOVAH  and stayed there until the first KD HALL was ready?❤️  After 5 years, they were gone back home. But in the last years, Brothers & Sisters alot grown on the little Island.  Meanwhile they have 3 Congregations there !  Tonga has together ca. 170 Islands,  the most are  uninhabitated, similar to the Maldives. But there we can only preach in secret, sorry. But I did it. My maldivian holiday friends got literature in english from me. Sending in a parcel is forbidden !

I did what I could do...  by 99% Moslems its very hard & difficult ;-(  But Jehovah knows that all, HE has his own perfect idea's ;o)