1. Start by setting financial goals A good financial plan is guided by your financial goals. If you approach your financial planning from the standpoint of what your money can do for you — whether that's buying a house or helping you retire early — you'll make saving feel more intentional. Make your financial goals inspirational — what do you want your life to look like in five years? What about in 10 and 20 years? Do you want to own a car or a house? Are kids in the picture? How do you imagine your life in retirement? You start with goals because they will inspire you to complete the next steps and provide a guiding light as you work to make those aims a reality.2. Track your money, and redirect it toward your goals to get a sense of your monthly cash flow — what’s coming in and what’s going out. An accurate picture is a key to creating a financial plan and can reveal ways to direct more to savings or debt pay-down. Seeing where your money goes can help you develop immediate, medium-term, and long-term plans. Developing a budget is a typical immediate plan. NerdWallet recommends the 50/30/20 budget principles: Put 50% of your take-home pay toward needs (housing, utilities, transportation, and other recurring payments), 30% toward wants (dining out, clothing, entertainment), and 20% toward savings and debt repayment. Reducing credit card or other high-interest debt is a common medium-term plan, and planning for retirement is a typical long-term plan.» Need a jump start? Try this easy-to-use budget worksheet.3. Get your employer match If you visit a financial advisor, he or she will be sure to ask: Do you have an employer-sponsored retirement plan like a 401(k), and does your employer match any part of your contribution? True, 401(k) contributions decrease your take-home pay now, but it’s worth it to put in enough to get the full matching amount because that match is free money. Here's how much you should contribute to a 401(k).4. Make sure emergencies don't become disasters The bedrock of any financial plan is putting cash away for emergency expenses. You can start small — $500 is enough to cover small emergencies and repairs so that an unexpected bill doesn’t run up credit card debt. Your next goal could be $1,000, then one month’s basic living expenses, and so on. Building credit is another way to shock-proof your budget. Good credit gives you options when you need them, like the ability to get a decent rate on a car loan. It can also boost your budget by getting you cheaper rates on insurance and letting you skip utility deposits.5. Tackle high-interest debt A crucial step in any financial plan: Pay down “toxic” high-interest debt, such as credit card balances, payday loans, title loans, and rent-to-own payments. Interest rates on some of these may be so high that you end up repaying two or three times what you borrowed. If you’re struggling with revolving debt, a debt consolidation loan or debt management plan may help you wrap several expenses into one monthly bill at a lower interest rate.6. Investing to build your savings investing sounds like something for rich people or for when you’re established in your career and family life. It’s not. Investing can be as simple as putting money in a 401(k) and as frictionless as opening a brokerage account (many have no minimum to get started).
Discuss the main things to remember in the preliminary investigation
Answer:The preliminary investigator looks for things like what started the fire like matches, gas, lighters, cigarettes, bombs, anything that will fuel a fire.
Explanation:They also look look for things like the direction of the smoke, the flames, and the distance. When sweeping for bombs they do a room searching sweep.
What are the elements of voluntary manslaughter?
1. after driving through dust, sand, or smoke, you should __________.
a. inspect your air filters
b. replace your windshield wipers
c. take your vehicle to a mechanic
d. test your brake response
Answer:
c. take your vehicle to a mechanic
Explanation:
Look up "Unit 25: Adverse Driving Conditions" on Quizlet and those flashcards had the answer on them. (I'd add a link but that goes against the policies on this website- Quizlet is completely free)
What are some key case laws related to religious practices, minorities, and correctional practices?
Often, inmates will sue under the First Amendment free-exercise clause. This clause generally prohibits the government from infringing on individuals’ rights to practice their religion freely. Below are some key case laws related to religious practices.
Engel v. VitaleVitale. This First Amendment activity is based on the landmark Supreme Court case Engel v. Vitale, dealing with the line between religion and public schools.
The Safley standardThe Safley standard has been used in most lower courts examining prisoner First Amendment claims. One week after the U.S. Supreme Court decided Safley, the high court applied the Safley standard to a free-exercise of religion claim in O’Lone v. Estate of Shabazz.
learn more about First Amendment free-exercise clause: https://brainly.com/question/510331
4.) What is the difference between joyriding and larceny?
Answer:
- Joyriding refers to driving or riding in a stolen vehicle, most commonly a car
- Larceny is a crime involving the unlawful taking or theft of the personal property of another person or business.
why are most communities not benefiting from the national water act of 1998)
The communities are not benefiting because the water infrasructure has not reached their society
What is the National Water Act 1998?In South Africa, this is a legislation that provide fundamental reform of the law relating to water resources and guide the method of supplying water in the country.
The Act ensured that water supply are protected, developed, conserved and well in a sustainable manner for the benefit of all people.
Read more about National Water Act
brainly.com/question/14284975
If a business owner is having trouble staying within her budget, which of the following would be the best first move to reduce spending? A. Selling off some equipment and not buying more B. Turning off the water or gas briefly C. Eliminating weekly janitorial service D. Moving the office into a lower rent building
Answer: As ghdmwr6gr9 said, the answer is C
Explanation: I just took the quiz
The proper legal terms to describe the finding in wickard v. Filburn.
Answer:
Wickard v. Filburn, 317 U.S. 111, is a United States Supreme Court decision that dramatically increased the regulatory power of the federal government. It remains as one of the most important and far-reaching cases concerning the New Deal, and it set a precedent for an expansive reading of the U.S. Constitution's Commerce Claus…
Wickard v. Filburn suggests that commerce jurisdiction can be used to restrict activities as long as they have a significant, financial consequences on interstate trade.
What is legal terms?A condition or activity is lawful if it is permitted or mandated by law. A biological or non-human organization that is considered as a people for specific legal reasons is referred as a legal adult. A juridical typical person has the right to be challenged and sued, possess possessions, and negotiate agreements.
The United States Supreme Court judgement in Result of ineffective v. Filburn, 317 U.S. 111, significantly strengthened the federal administration's ability to regulate.
It continues to be among the most significant and very far issues involving the Stimulus Package, and it established a foundation for a broad interpretation of the Constitutional Provision of the U.S. Constitution.
Learn more about legal terms, here:
https://brainly.com/question/13283420
#SPJ2
What is the most accurate description of the criminal justice system?
Answer:
The criminal justice system is a network of government and private agencies intended to manage accused and convicted criminals. The criminal justice system is comprised of multiple interrelated pillars, consisting of academia, law enforcement, forensic services, the judiciary, and corrections.
Hope I helped
Embezzlement. A jail guard is working on the night shift all alone. He locks himself out of his office, leaving all the jail keys in the office. He remembers an inmate brought in earlier in the day who had lock-picking devices in his possession when he was booked. He goes to the evidence locker, retrieves the lock-picking devices, opens the locked door, and returns the devices to the locker. The lock-picking devices were gone for less than five minutes. Answer the following questions:
a. Has he embezzled the devices?
b. Does it make a difference that he put the property back within five minutes?
c. If you were his supervisor, how would you handle this situation?
Given that the jail guard picked the items and still tried to return them back to where he got them after using them, we can agree that
A. There was no embezzlement.b. It does not make a difference that he put the keys back from where he got them from.What is an embezzlement?This is a term that is used to refer to theft and the misuse of funds or other properties that were left in the care of a person.
It does not make a difference because he should not have used the keys at all. The evidence locker is a place where items do not have to be tampered with.
c. As his supervisor, I would let him go with a warning due to the surrounding story that caused him to do what he did.
Read more on embezzlement here: https://brainly.com/question/10116585
Are petitioners liable for the loss of the pawned jewelry ? why or why not?
Answer:
No. Unless they do not peacefully stand with what the petition.
Explanation:
Taking the BLM petiton for example, the petition was made for peace and equality, and that's what the owner of the petition intended.
There were people who took advantage of this protest and turned it into a way for burgulary and started stealing under the circumstances that there was a peaceful protest.
What is it called when a licensed surgeon calls an unlicensed surgeon to perform surgery on a patient in Business Law?
T/F The Bail Reform Act of 1966 recommended the release of defendants ROR as primary bail condition
Answer:
False
Explanation:
Many people in an area have lost their jobs and are about to lose their homes because they cannot make their monthly mortgage payments Jane , a lawyer , writes to all of these people saying she is willing to represent them to prevent the loss of their homes . Should she allowed to do this ?
PLEASE HELP!!!
Answer:
It's up to her.
Explanation:
I'm no lawyer but I think that they get to pick and choose if they want to accept any cases or not. I think that if she wants to take the risk to represent them, then she should be allowed to.
Select ALL the correct answers.
Which two cases would the Supreme Court be most likely to review?
a case concerning a motor vehicle accident
✓
a case concerning presidential actions
a case involving two members of Congress
✓
a case in which a federal law is challenged
Answer is 2&4
Answer:
a case concerning presidential actions
Explanation:
How does social media affect elections and campaigns? Is this a positive trend? Why or why not?
Explain how flexibility is important for decision making
Flexibility is important for decision-making because it allows individuals or organizations to adapt to changing circumstances and make adjustments as necessary.
Why are flexibility and adaptability important?Flexibility can be more immediate and situational, typically involving the need to accommodate others, whereas adaptability frequently entails anticipating and planning ahead to account for contingencies. Both strategies provide organizations with a lot of benefits since they enable more flexible working while handling change successfully.
Flexibility can also help to generate more creative and innovative solutions to problems. By considering a range of options and being open to new ideas, individuals or organizations can make decisions that are more dynamic and effective. In contrast, a rigid or inflexible approach may limit options and prevent the consideration of alternative solutions.
When making decisions, unforeseen circumstances or unexpected events may arise, and a flexible approach can help to navigate these challenges.
Learn more about flexibility here:
https://brainly.com/question/15395713
#SPJ2
Muriel Evans writes the following note on the back of an envelope: "I, Muriel Evans, promise to pay Karen Marvin or bearer $100 on demand." Is this a negotiable instrument? Discuss why or why not.
Yes, it is a negotiable instrument because it is a written and signed document that was written by Muriel Evans to pay $100 to Karen Marvin.
What is an Agreement?This refers to the formal or informal conclusion which is reached between two or more persons about a certain thing and the clauses involved.
Hence, we can note that because a written and the signed statement was made by Muriel Evans, then this fits the definition of a negotiable instrument which is a signed document that promises to pay a certain amount of money to a person.
Read more about negotiable instruments here:
https://brainly.com/question/15170168
What might one do in an analysis section of a Rogerian argument?
Question 4 options:
Refute the opposition.
Rebut the counterclaims.
Qualify the claim.
Explore commonalities between multiple perspectives.
In analysis section of a Rogerian argument explore commonalities between multiple perspectives.
What is Rogerian argument?Rogerian argument is a method that is used to resolve conflict or disagreement among individual.
This strategy put the offender into consideration and also bring about mutual understanding among the people involved.
Therefore, In analysis section of a Rogerian argument explore commonalities between multiple perspectives.
Learn more on Rogerian argument here
https://brainly.com/question/24842546
Which of the following is a hallmark of a pure capitalist economy?
O government-mandated business practices
O economic policy that is influenced by concern for the public good
O national policies that are enacted to influence the economy
O public ownership of modes of production
O government-free marketplace transactions
Example of being polite
saying please, saying thank you, just using manners in general
The action of swimmers using their arms to propel themselves through the water is an example of what law?.
Answer:
The answer is Newtons third law
Explanation:
When you are accelerating you use your arms to push the water you can also accelerate by kicking.
who are the category of the phillipines in technolohiya and warm water is from? what dym if the fish is killed by water?
Answer:
The Philippines (/ˈfɪlɪpiːnz/ (audio speaker iconlisten); Filipino: Pilipinas),[14] officially the Republic of the Philippines (Filipino: Republika ng Pilipinas),[d] is an archipelagic country in Southeast Asia. It is situated in the western Pacific Ocean, and consists of about 7,640 islands, that are broadly categorized under three main geographical divisions from north to south: Luzon, Visayas, and Mindanao. The Philippines is bounded by the West Philippine Sea to the west, the Philippine Sea to the east, and the Celebes Sea to the southwest, and shares maritime borders with Taiwan to the north, Japan to the northeast, Palau to the east and southeast, Indonesia to the south, Malaysia to the southwest, Vietnam to the west, and China to the northwest. The Philippines covers an area of 300,000 km2 (120,000 sq mi) and, as of 2020, had a population of around 109 million people, making it the world's thirteenth-most populous country. The Philippines is a multinational state, with diverse ethnicities and cultures throughout its islands. Manila is the nation's capital, while the largest city is Quezon City, both lying within the urban area of Metro Manila.
Explanation:
Embezzlement. A jail guard is working on the night shift all alone. He locks himself out of his office, leaving all the jail keys in the office. He remembers an inmate brought in earlier in the day who had lock-picking devices in his possession when he was booked. He goes to the evidence locker, retrieves the lock-picking devices, opens the locked door, and returns the devices to the locker. The lock-picking devices were gone for less than five minutes. Answer the following questions:
a. Has he embezzled the devices?
b. Does it make a difference that he put the property back within five minutes?
c. If you were his supervisor, how would you handle this situation?
Answer:
I think the answer is C
but if I am wrong please don't report me just send me a message that I was wrong and I will try to return the points
What possible legal defense(s) could they use for criminal charges related to the burglary
Answer:
Legal defenses may be claimed when facing charges of either burglary or robbery such as innocence, lack of intent and entrapment. First, defendants may claim that they are innocent of the crime. The prosecution bears the burden of proving that the defendant committed the crime beyond a reasonable doubt.
Comparative advertising includes which of the following criteria?
(Select all that apply.)
O additional features
O cheaper quality
increased quantity
better price
Answer:
better price, increased quantity, additional features
Explanation:
Which of the following would be an example of Civil Law?
A driver who was caught speeding
A divorcing couple arguing about child custody
A person who has not paid income taxes for 5 years
An illegal immigrant facing deportation
Civil law deals with behavior that constitutes an injury to an individual or other private party, such as a corporation. Examples are defamation (including libel and slander), breach of contract, negligence resulting in injury or death, and property damage.
What have you done to prepare for a career in Law Enforcement?
I need help for a job application!!!! Please give me a Answer for this!
Okay,
I have completed a Bachelor of Arts in Criminology and Criminal Justice, and I am currently completing a Graduate Diploma in Legal Studies.
What is the part of the Civil Rights Act of 1964 that relates specifically to employee rights? A. Title Vu B. Title VIII C. Title V D. Title X
Answer:
the answer is B.
Explanation:
This is because it was under that title.
important role of PDEA in LAW ENFORCEMENT.
Answer:
The PDEA is a regular law enforcement and regulatory agency which is responsible for the efficient and effective law enforcement of all provisions on any dangerous drug and/or controlled precursors and essential chemicals.
Explanation:
