Financial Opportunity. Family Progress. Making Your Dreams a Reality

Save this PDF as:
Size: px
Start display at page:

Download "Financial Opportunity. Family Progress. Making Your Dreams a Reality"

Transcription

1 Financia Opportunity Famiy Progress Making Your Dreams a Reaity

2

3 Financia Opportunity Famiy Progress Note: The content areas in this materia are beieved to be current as of this printing, but, over time, egisative and reguatory changes, as we as new deveopments, may date this materia Nationa Endowment for Financia Education. A rights reserved.

4 Tabe of Contents Introduction... v Making the Most of Your Money... vi Understanding Money... vii Working Sums: Understanding Parts vs. Whoe... viii 1. Foow Your Dreams... 1 Setting Your Goas... 2 Action Pan... 4 Creating a Spending Diary... 4 Action Pan Deveoping a Spending Pan... 7 Writing Your Spending Pan... 9 Action Pan Spending Wisey Wants vs. Needs Stretching Every Penny Avoiding Spending Traps Other Spending Traps Action Pan Understanding Your Income Gross vs. Net Pay Pubic Benefits Action Pan ii 5. Understanding Credit Understanding Interest What Is a Credit Rating? Why Does It Matter? How Can I Find Out My Credit Rating? Estabishing Credit Action Pan... 42

5 6. Banks: Why Do You Need One? Savings and Checking Accounts Credit and Debit Cards Overdraft Protection ATMs Loans Action Pan Digging Out of Debt: Taking Contro Five Tips for Digging Out of Debt Bankruptcy Action Pan Buiding Your Assets Insurance to Protect Your Assets Protecting Against Identity Theft and Scams Action Pan Creating a Persona Financia Pan Saving Essentias: Starting NOW! My Net Worth What I Want to Have Next Action Pan Concusion Usefu Resources Gossary of Terms Acknowedgments iii

6 NEFE s Mission NEFE operates as a foundation dedicated to heping a Americans acquire the information and gain the skis necessary to take contro of their persona finances. NEFE accompishes its mission primariy by partnering with other concerned organizations to provide financia education to members of the pubic in particuar, to underserved individuas whose financia education issues are not being addressed by others. NCFL s Mission NCFL s mission is to create a iterate nation by everaging the power of the famiy. Famiy iteracy is an intergenerationa approach based on the indisputabe evidence that ow iteracy is an unfortunate and debiitating famiy tradition. Parents who are not iterate tend to have chidren who strugge academicay and who often do not achieve iteracy proficiency in aduthood. Educators, poicy makers and phianthropists rey on NCFL to mobiize famiy iteracy efforts, conduct research and deveop new, effective toos to everage the earning reationship between parents and chidren. Famiy iteracy, pioneered by NCFL, is a powerfu community strategy for raising educationa eves, improving workforce skis and breaking the cyce of poverty.

7 Introduction If you dream about a more secure future If you want to stretch your money further If you want to avoid going into debt This course is for you! It wi hep you ook at where you are financiay. It wi hep you buid from there. You have things of vaue. They incude your skis, your courage, and your determination to make a better ife. By getting an education, you are on the path to a better future for yoursef and your famiy. you are on the path to a better future! v

8 Life teaches us many things. One is that we have to take care of ourseves. Making the Most of Your Money Life teaches us many things. One is that we have to take care of ourseves. That means exercising, eating right, and getting enough seep. It aso means making good choices. Good choices about friends. Good choices about how we spend time. And good choices about money. Managing money isn t aways easy and sometimes it s very hard! It s especiay hard when you don t have enough money. It s hard when you strugge to make ends meet each day. This course can hep you. It can hep you make the most of the money you have. It can aso hep you make the most of your future. You have potentia You are a vauabe person, no matter how much money you have. You have friends, skis, and peope who care about you. You know many things. You have potentia. And by taking this course, you are on the path to a heathy financia future. You are taking charge of your ife. This is your start! vi

9 Understanding Money Hundreds of years ago, there was no money. If you wanted something you coudn t grow or make for yoursef, you had to trade for it. Peope who had cows traded mik and cheese for woo from peope who had sheep. And sometimes the trading was three-sided: n Peope who had grain wanted woo, but the peope who had woo didn t want their grain in trade. n Peope who had mik and cheese wanted grain, but the peope with grain didn t want mik or cheese. n So the peope with woo traded woo to the peope with mik and cheese. And the peope with cows then traded the woo for grain. It was awkward. It was tricky. How did anyone know if the trade was fair? Aso, mik and cheese spoi. And woo and grain can be heavy to carry. So trading wasn t aways easy. Money was deveoped to sove a these probems. Money is a token. It doesn t spoi. It usuay isn t heavy to carry around. It can be saved and used when you need it. Money is different in different countries. It can be caed a doar or a peso or a euro. But everywhere, money is a token that peope wi accept in exchange for what they have to se. It s a token that makes trading much easier. Money is a token. It doesn t spoi. It usuay isn t heavy to carry around. It can be saved and used when you need it. vii

10 Working Sums: Understanding Parts vs. Whoe Money is power. We a know that. And money is a about numbers. To manage your money, you need to know some basic math. But don t worry! Any math in this course wi be easy. When you know how numbers work, you wi know how money works. You have contro over your money. You have contro over that part of your ife. So et s ook at a few math symbos. Math uses symbos, such as + and and and to show actions. These symbos te you to do something with numbers. Another important symbo is =. This is caed the equa sign. The equa sign shows a reationship. It means theh same thing as the word is in a sentence. + = For exampe, different peope may have different names for you. n To yoursef, you may be Jan. n To your mother, you may be Jannie. n On your driver s icense, you may be Janet. You can put an equa sign between each of those names, because each name is correct for you. Jan = Jannie = Janet or Jan is Jannie is Janet You coud use arrows with two heads to say the same thing: Jan Jannie Janet You don t stop being Jan when your mother cas you Jannie. They are a different names for the same person: YOU! viii

11 The equa sign between the names means different name, same person. It means is. And the equa sign sti means is when it comes to math as we. For exampe, 5 = = = = A the numbers between the equa sign show the same amount (5) with a different name. To manage your money we, you need to use two kinds of math probems: whoe and part probems. Whoe Probems One kind of probem is to find the WHOLE =? The answer, of course, is 5, because 3 pus 2 = (is a different name for) 5. The receipt you get at the grocery store is a find the WHOLE math probem. The cash register adds up the prices of what you buy (a the PARTS). The bottom of the receipt tes how much you spent in tota (the WHOLE). Part Probems The other kind of math probem is to find the missing PART. 4 +? = 5 ix

12 And the answer is 1, because 4 pus 1 = (is a different name for) 5. The stub from your paycheck is a find the PART math probem. The tota money you earn is the WHOLE. The money taken out for taxes is a PART. What you get to take home is another PART. It is the PART that is eft after taxes. Whoes and Parts Working Together The key to understanding PARTS and the WHOLE is that they are aways there at the same time. Look at this face. You can see two eyes = two PARTS. But you know that under the mask there is aso a nose and a mouth. You know there are more PARTS. The PARTS are there even if you cannot see them. And those PARTS make up the WHOLE face. Or ook at this quit. A the squares (the PARTS) make up the WHOLE quit. You aways have the squares and the quit at the same time. Here s another exampe. Suppose Ramon has 10 $1 bis. He puts six of the bis in his pants pockets and four in his shirt pocket. The PARTS are in different pockets, but the WHOLE is sti the same. He sti has 10 $1 bis. PARTS and WHOLES are important ideas. We wi come back to them in ater casses. x

13 1Foow Your Dreams In this session, you wi focus on your future. You wi: Identify your dreams and goas. Make a spending diary. See where you can stop eaking money. What are your greatest dreams for the future? 1

14 A of us have dreams for the future. A of us want things that we can t afford now. It can be hard to think of those dreams when you re strugging just to get by day to day. That may be the pattern of your ife now. But it doesn t have to be the pattern for your future. You can begin to eave money troubes behind. You can reach your dreams. The first step in making your dreams come true is to set goas. Write down the things you want. Those are your goas. Look at them often. The goas wi hep you spend your money wisey. Setting Your Goas Write down three short-term goas. These are for things you can have in three months or ess. Getting a new winter coat is an exampe. Short-term goa 1: Short-term goa 2: Short-term goa 3: 2 You can reach your dreams Now write down your one-year goas. These are things you want to have in one year. An exampe is buying a computer, taking a trip to see your famiy, or paying for a wedding or anniversary. One-year goa 1: One-year goa 2: One-year goa 3: What are your greatest dreams for the future?

15 Look at your goas often. Look at them before you buy something big. Write down your five-year goas. These might incude buying a new car or house or saving enough money for coege. Five-year goa 1: Five-year goa 2: Five-year goa 3: Finay, write three many-years-from-now goas. These might incude your goas for retirement. Many-years-from-now goa 1: Many-years-from-now goa 2: Many-years-from-now goa 3: 3

16 Look at your goas often. Look at them before you buy something big. Draw a picture of your most important goas and keep the picture on your refrigerator or in your waet. The goas wi remind you of what is reay important so you don t spend money on things not reated to your goas. Action Pan Based on what I earned today, before the next cass I wi: n Write down my short-term goas. n Write down my one-year goas. n Write down my five-year goas. n Write down my many-years-from-now goas. Creating a Spending Diary Do you wonder where your money goes? Does it sometimes fee ike it just vanishes? On Monday you have $50 in your pocket. By the end of the week, it s gone! Where did it go? Sometimes you re not sure. It fees ike your money just eaks out. There s an easy way to see where money eaks out. Start a spending diary right now. It wi show you where your money goes. Across the top of a piece of paper, write the days of the week. Under each day, write what you spent. Did you spend $3.50 on a cup of coffee? Write it down. Did the bus to a job interview cost $3? Write it down. Write everything down, no matter how sma. Add up the totas for each day. At the end of the week, add up a the totas. You may be surprised. Sma amounts of money reay can add up, but because they re sma amounts, you may not notice the eaks. 4

17 Spending Diary Worksheet What Maria bought this week Monday Tuesday Wednesday Thursday Friday Saturday Sunday Latte $3.50 Makeup $12 Magazine $4 Lunch $5 Bouse $20 Movie $10 CD $18 Lunch $5 Bus $3 Soda $2 Lunch $5 Haircut $40 Lunch $5 Lunch $5 Daiy Tota $26.50 $17 $12 $7 $25 $50 $0 Weeky Tota = $ There were a number of PARTS to Maria s spending in one week. But the WHOLE that she spent was $ As you can see, sma amounts of money reay add up. If you spend $5 for unch five days a week, in a month, you have spent about $100. And in a year, you have spent more than $1,300! $5 unch 5 days a week = $25 a week $25 a week 52 weeks in a year = $1,300 spent in a year Is that reay how you want to spend your money? Woud you rather have more money to send to famiy members in another country? Woud you rather save more for a wedding or anniversary? Woud you rather use it to get more education? 5

18 Can you stop eaking money by making some simpe changes? Perhaps you coud make unch at home and take it to work or schoo, for exampe. Write down your ideas here. Write down how much each idea woud save you. Ways I can stop eaking money Amount I woud save in a week Action Pan Based on what I earned today, before the next cass I wi: n Start a spending diary. n Write down ways I can stop eaking money. 6

19 2Deveoping a Spending Pan In this session, you wi find ways to baance your income and spending. You wi: Make a spending pan. Think of ways you can make more money. Think of ways you can cut back on spending. What are your pans? 7

20 Many peope run out of money before their next payday. That is frustrating. It is discouraging. If this happens to you, a spending pan can hep. It can hep you find out where your money goes. It can hep you to spend more wisey. And it can hep you get out of debt and stay out. Most famiies don t have a spending pan. They don t know where they spend $3 out of every $10 they have. That s ike osing 30 cents (30 percent) of every doar of their income. Their money just eaks out. Just think. If you earn $300 a week and ose 30 cents out of each doar, you coud ose $90 every week! $300 weeky saary 30% = $90 oss each week Good panning can make a difference 8

21 Writing Your Spending Pan There are four steps in making a spending pan (budget): 1. Write down the money coming in each month (your income). 2. Write down the money going out each month (your expenses). 3. Compare your income and expenses. 4. Make changes if the money going out is more than the money coming in. Step 1. Let s ook at your income. Write down a the money you get each month on the form on page 10. Some peope for exampe, seasona workers and sef-empoyed peope have income that is higher some months and ower in others. If income from your job goes up and down, write down how much you expect to make each month. Add up the months. Then divide the tota by 12. That wi hep you see the average income you have from your job each month. Write that amount in the your job ine on the form. Then use the form to figure out a your income put together. 9

22 Money coming in each month (Income) Your job (after deductions) Second job (after deductions) Jobs of others in your home (after deductions) Bonuses/tips Aowance Food stamps Housing subsidy Temporary Aid to Needy Famiies (TANF) Chid support Unempoyment compensation Gifts Tax refund Interest on savings Interest on investments Other Add up a your income: Tota income each month = Each different way that money comes in is one PART of your income. The WHOLE of your income is a of those PARTS put together. 10

23 Step 2. Next, write down a the money you spend in a month. Look through past bis, receipts, and your spending diary to figure out where your money goes each month. On this worksheet, savings is isted first so you get in the habit of paying yoursef first. You earn more about this ater. Don t forget bis that ony come in once in a whie. If your car insurance is $750 every six months, divide $750 by six months ($750 6 = $125 each month). That wi give you the monthy cost. Money going out each month (Expenses) Savings Credit card payments Loan payments Groceries Snacks and meas eaten out Rent or house payments Property tax (if you own your home) Sef-empoyment tax (if you own your own business) Heat Eectricity Water Sewer Trash coection Teephone and/or cephone Long-distance phone charges More on the next page 11

24 12 Home improvements and repairs Transportation (car payments, repairs, gas, insurance; or bus) Cothes, shoes Chid support or support to other famiy member Chid care Schoo fees and suppies Medica (doctor, dentist, medicines) Heath insurance Life insurance Persona property or renter s insurance Union or professiona dues Cabe or sateite TV Internet connection Movies, fun Coege/training (tuition, books, fees) Tobacco Acoho Trave/vacation Pet care Dry ceaning Laundry More on the next page

25 Persona care (haircut, manicure, pedicure, etc.) Hobbies Gifts Donations Money given to famiy members Other Add up a your expenses: Tota expenses each month = Your individua expenses are the PARTS. The PARTS added together are your WHOLE expenses. Step 3. Compare the WHOLE money coming in and the WHOLE money going out. Money coming in (income) Money going out (expenses) Which number is bigger? Is the money coming in bigger than the money going out? Good for you! That means your income is more than your expenses. Or is the money going out bigger than the money coming in? If yes, that s not good. You don t have enough to pay for your expenses. How can you make changes? That s the next step. 13

26 Step 4. Make changes. When your expenses are more than your income, it s time to make changes. You can get more income. You can cut back on your costs. Or, you can do some of both. Can you think of ways to add to your income? Coud you: n Get your GED or take courses or training to get a better job or a promotion in your job so that you woud make more money? n Look for a better-paying job? n Get a second job? n Work overtime? n Have other famiy members work and hep pay for food, rent, etc.? n Turn a hobby into extra income? n Do chores, baby-sit, or take care of pets for other peope? n Se things you don t need at a garage sae or consignment store? How ese coud you get more money? Write your ideas here: 14

27 Can you think of ways to cut back on spending? n Coud you move to a ess expensive house or apartment? n Can you share your house or apartment with someone ese and have them pay part of the costs? n Can you save money by not eating out so often? n Can you take snacks and unches to schoo and work, instead of buying them? n Can you swap chid care? n Do you reay need a new car? Woud a used car work just as we? Or coud you use the bus or a bicyce to get around? n For a wedding, can you make the dress? Can friends and famiies hep by bringing food? n Can you put off buying new shoes or cothes? n Can you have a friend cut your hair or do your nais? n Can you take advantage of free days at museums, zoos, and other paces of entertainment? n Coud you shop at a grocery store (with a friend who has a car) instead of buying at a more expensive convenience store? How ese can you cut back on spending? Write your ideas here: 15

28 One way or another, it s important to get your income and spending in baance! Sheri s Story Sheri needed to ook carefuy at her money. Her husband was sick and coudn t work. Her daughter and grandbaby had moved back in. Money was tight! Sheri added up her tota income. She added up her tota expenses. Her expenses were a ot higher than her income. Sheri needed to make changes. She sat down with her daughter and taked about money. She tod her daughter she had to get a job. Her daughter got a job. Now she pays for part of the food and rent. Sheri and her famiy are abe to get by without going into debt. Action Pan Based on what I earned today, before the next cass I wi: n Make a spending pan. n Write down ways I can get more money. n Write down ways I can cut back on spending. 16

Taking Control. What tools can you use? Learn five important tips for getting out of debt. Understand bankruptcy.

Taking Control. What tools can you use? Learn five important tips for getting out of debt. Understand bankruptcy. 7Digging Out of Debt: Taking Contro In this session, you wi earn how you can dig out of debt if you need to. You wi: 4 4 4 Learn five important tips for getting out of debt. Understand bankruptcy. Know

More information

Early access to FAS payments for members in poor health

Early access to FAS payments for members in poor health Financia Assistance Scheme Eary access to FAS payments for members in poor heath Pension Protection Fund Protecting Peope s Futures The Financia Assistance Scheme is administered by the Pension Protection

More information

Managing money and making a profit

Managing money and making a profit Managing money and making a profit For your information How to get the most from today s workshop Ask questions Participate Worksheets Action Pan Today s objectives To hep you gain a greater understanding

More information

The guaranteed selection. For certainty in uncertain times

The guaranteed selection. For certainty in uncertain times The guaranteed seection For certainty in uncertain times Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay

More information

Pay-on-delivery investing

Pay-on-delivery investing Pay-on-deivery investing EVOLVE INVESTment range 1 EVOLVE INVESTMENT RANGE EVOLVE INVESTMENT RANGE 2 Picture a word where you ony pay a company once they have deivered Imagine striking oi first, before

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Budgeting Loans from the Social Fund

Budgeting Loans from the Social Fund Budgeting Loans from the Socia Fund tes sheet Pease read these notes carefuy. They expain the circumstances when a budgeting oan can be paid. Budgeting Loans You may be abe to get a Budgeting Loan if:

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l Program Organization = Number "1060" = Type "123342" = "ETM2LAZCD" For = "502859" "TCCUS" "" Name "WK Number = Name "First "1001" = "1" Eectronic = "1001" = Financia "Jane Funds Doe" Northwest Xfer PG1

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

History of Stars and Rain Education Institute for Autism (Stars and Rain)

History of Stars and Rain Education Institute for Autism (Stars and Rain) History of Education Institute for Autism () Estabished:: March 15. 1993 in Beijing Founder:: Ms. Tian Huiping (mother of a boy with autism) STARS AND RAIN was founded in 1993 by a parent and is China

More information

Business Banking. A guide for franchises

Business Banking. A guide for franchises Business Banking A guide for franchises Hep with your franchise business, right on your doorstep A true understanding of the needs of your business: that s what makes RBS the right choice for financia

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

How to deal with personal financial problems

How to deal with personal financial problems How to dea with persona financia probems D I S P U T E R E S O L U T I O N Introduction Heping you face the future with confidence In 2014, the eve of consumer debt in the UK grew to reach a seven-year

More information

Money Matters. Help for what matters. Ulster Bank s no nonsense guide to: Managing Debt

Money Matters. Help for what matters. Ulster Bank s no nonsense guide to: Managing Debt Money Matters Hep for what matters Uster Bank s no nonsense guide to: Managing Debt Money Matters contents Understanding debt Sections 1 3 1 How to manage debt Section 4 3 How to get in contro of debt

More information

AA Fixed Rate ISA Savings

AA Fixed Rate ISA Savings AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether

More information

Key Features of Life Insurance

Key Features of Life Insurance Key Features of Life Insurance Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide

More information

Creating Your Financial Plan

Creating Your Financial Plan Chapter 3 Creating Your Financial Plan Chapter 3 helps you create a spending and savings plan. In Chapter 2 you set your goal and estimated how much you need to save each month and for how long to achieve

More information

3Budgeting: Keeping Track of Your Money

3Budgeting: Keeping Track of Your Money This sample chapter is for review purposes only. Copyright The Goodheart-Willcox Co., Inc. All rights reserved. 3Budgeting: Keeping Track of Your Money Chapter 3 Budgeting: Keeping Track of Your Money

More information

THE ABC S OF VEHICLE FINANCING CURRICULUM. Counting Your Money

THE ABC S OF VEHICLE FINANCING CURRICULUM. Counting Your Money Counting Your Money Section Objectives Counting your money and managing your money wisely is the most important part of your trip on the road to personal financial success. It is a critical step in achieving

More information

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services 2012 Before You Buy A Description of the Caifornia Partnership for Long-Term Care Prepared by the Caifornia Department of Heath Care Services Page 1 of 13 Ony ong-term care insurance poicies bearing any

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES About ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account. Some of

More information

TERM INSURANCE CALCULATION ILLUSTRATED. This is the U.S. Social Security Life Table, based on year 2007.

TERM INSURANCE CALCULATION ILLUSTRATED. This is the U.S. Social Security Life Table, based on year 2007. This is the U.S. Socia Security Life Tabe, based on year 2007. This is avaiabe at http://www.ssa.gov/oact/stats/tabe4c6.htm. The ife eperiences of maes and femaes are different, and we usuay do separate

More information

Barriers or Bridges? CityWide. CityWide. Drugs Rehabilitation Projects the Road to Recovery. A CityWide Consultation Report. Drugs Crisis Campaign

Barriers or Bridges? CityWide. CityWide. Drugs Rehabilitation Projects the Road to Recovery. A CityWide Consultation Report. Drugs Crisis Campaign Barriers or Bridges? CityWide Drugs Crisis Campaign 11 Cadogan Road, Fairview, Dubin 3 Te: 01 836 5090 / 836 5039 Emai: info@citywide.ie Web www.citywide.ie Drugs Rehabiitation Projects the Road to Recovery

More information

Chapter 3: JavaScript in Action Page 1 of 10. How to practice reading and writing JavaScript on a Web page

Chapter 3: JavaScript in Action Page 1 of 10. How to practice reading and writing JavaScript on a Web page Chapter 3: JavaScript in Action Page 1 of 10 Chapter 3: JavaScript in Action In this chapter, you get your first opportunity to write JavaScript! This chapter introduces you to JavaScript propery. In addition,

More information

Budgeting: Managing Your Money with a Spending Plan

Budgeting: Managing Your Money with a Spending Plan Budgeting: Managing Your Money with a Spending Plan Budgeting: Managing Your Money with a Spending Plan Are you making the best use of your money? Do you have a handle on how much comes in each month and

More information

Finance 360 Problem Set #6 Solutions

Finance 360 Problem Set #6 Solutions Finance 360 Probem Set #6 Soutions 1) Suppose that you are the manager of an opera house. You have a constant margina cost of production equa to $50 (i.e. each additiona person in the theatre raises your

More information

CUSTOM. Putting Your Benefits to Work. COMMUNICATIONS. Employee Communications Benefits Administration Benefits Outsourcing

CUSTOM. Putting Your Benefits to Work. COMMUNICATIONS. Employee Communications Benefits Administration Benefits Outsourcing CUSTOM COMMUNICATIONS Putting Your Benefits to Work. Empoyee Communications Benefits Administration Benefits Outsourcing Recruiting and retaining top taent is a major chaenge facing HR departments today.

More information

Teamwork. Abstract. 2.1 Overview

Teamwork. Abstract. 2.1 Overview 2 Teamwork Abstract This chapter presents one of the basic eements of software projects teamwork. It addresses how to buid teams in a way that promotes team members accountabiity and responsibiity, and

More information

Engaging with involuntary service users in social work. Good practice guide

Engaging with involuntary service users in social work. Good practice guide Engaging with invountary service users in socia work Good practice guide This guide is based on a research project at The University of Edinburgh which invoved: Reviews of research on user engagement in

More information

Basics of Budgeting. Ten Steps To Create A Budget. Reviewing:

Basics of Budgeting. Ten Steps To Create A Budget. Reviewing: Basics of Budgeting Reviewing: Ten Steps to creating a budget How to find where your money is going Tips to stay on course Budget format included Ten Steps To Create A Budget Basics of Budgeting A budget

More information

Four Steps to Reduce Your Debt

Four Steps to Reduce Your Debt Four Steps to Reduce Your Debt Overview Simple steps you can take to reduce your debt. Admit that you have a problem and commit yourself to fixing it. Stop debt spending. Make a spending plan. Pay down

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

What to do before, during and after a flood

What to do before, during and after a flood Suffok Food Risk Management Partnership What to do before, during and after a food Practica advice on what to do to protect yoursef and your property "Over 5.5 miion properties in Engand and Waes are at

More information

Serving the Millennial Generation - The Challenge and Opportunity for Financial Services Companies

Serving the Millennial Generation - The Challenge and Opportunity for Financial Services Companies Serving the Miennia Generation - The Chaenge and Opportunity for Financia Services Companies May 2015 Christopher J. Perry, CFA Equity Research Anayst Today, the Miennia Generation (or Generation Y), broady

More information

Dimes to Riches Money Management for Teens in Grades 7-12

Dimes to Riches Money Management for Teens in Grades 7-12 Dimes to Riches Money Management for Teens in Grades 7-12 s e e r t n o row g t n s e o yd e n o M t a! h k t n a w b o n a k t u n By now yo Your parents are & Life is getting busy and you need cash for

More information

The Impact of Parental Involvement on Children s Education

The Impact of Parental Involvement on Children s Education The Impact of Parenta Invovement on Chidren s Education 2 The Impact of Parenta Invovement on Chidren s Education The Impact of Parenta Invovement on Chidren s Education Key findings Parenta invovement

More information

Benefits That Count. Colonial Life is the proud sponsor of SHRM s Annual Employee Benefits Survey. coloniallife.com

Benefits That Count. Colonial Life is the proud sponsor of SHRM s Annual Employee Benefits Survey. coloniallife.com Benefits That Count Coonia Life is the proud sponsor of SHRM s Annua Empoyee Benefits Survey cooniaife.com 1 Dear Empoyer: Randa C. Horn President & CEO Coonia Life & Accident Insurance Company 1200 Coonia

More information

A practical guide to personal financial advice Finding the right financial adviser and advice that works for you. Getting advice

A practical guide to personal financial advice Finding the right financial adviser and advice that works for you. Getting advice A practica guide to persona financia advice Finding the right financia adviser and advice that works for you Getting advice About ASIC The Austraian Securities and Investments Commission (ASIC) reguates

More information

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028 To appy for this account, the printed appication must be competed and returned together with any necessary supporting documentation to the foowing address: NatWest Goba Empoyee Banking Eastwood House Gebe

More information

Older people s assets: using housing equity to pay for health and aged care

Older people s assets: using housing equity to pay for health and aged care Key words: aged care; retirement savings; reverse mortgage; financia innovation; financia panning Oder peope s assets: using housing equity to pay for heath and aged care The research agenda on the ageing

More information

Key Questions to Ask About

Key Questions to Ask About everychid. onevoice. Every time i have to go to the bathroom at schoo, there s a ine. And sometimes they reay need to be ceaned. Maybe the schoo can get some more hep to open up a of the restrooms again.

More information

Uncovered Report: Cash Plan and Private Health Insurance Explained

Uncovered Report: Cash Plan and Private Health Insurance Explained Uncovered Report: Cash Pan and Private Heath Insurance Expained Contents 3 Introduction 4 Cash pan products 6 Private heath insurance products 9 How the two pans match up? 10 Concusion 33256_ONEGI_GEN3480_BRO.indd

More information

Business schools are the academic setting where. The current crisis has highlighted the need to redefine the role of senior managers in organizations.

Business schools are the academic setting where. The current crisis has highlighted the need to redefine the role of senior managers in organizations. c r o s os r oi a d s REDISCOVERING THE ROLE OF BUSINESS SCHOOLS The current crisis has highighted the need to redefine the roe of senior managers in organizations. JORDI CANALS Professor and Dean, IESE

More information

Designing Your Budget

Designing Your Budget 2 Designing Your Budget Budgeting is needed to get the most mileage out of your income. It is your road map for managing your money. Planning your spending is called Budgeting. Smart investing@your library

More information

Make a Smart Start Toward Financial Success SUNY ORANGE STUDENTS

Make a Smart Start Toward Financial Success SUNY ORANGE STUDENTS Make a Smart Start Toward Financial Success SUNY ORANGE STUDENTS A College Education is a Smart Investment High School Graduate $25,000 Some College $30,000 Associate s Degree $32,000 Bachelor s Degree

More information

A guide to understanding Childcare Proceedings

A guide to understanding Childcare Proceedings A guide to understanding Chidcare Proceedings About this guide Care Proceedings are one of the most traumatic and emotiona episodes that can happen in anyone s ife. When Chidren s Services (formery Socia

More information

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS Dehi Business Review X Vo. 4, No. 2, Juy - December 2003 CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS John N.. Var arvatsouakis atsouakis DURING the present time,

More information

Introduction the pressure for efficiency the Estates opportunity

Introduction the pressure for efficiency the Estates opportunity Heathy Savings? A study of the proportion of NHS Trusts with an in-house Buidings Repair and Maintenance workforce, and a discussion of eary experiences of Suppies efficiency initiatives Management Summary

More information

Health Savings Account 2013 2014 reference guide

Health Savings Account 2013 2014 reference guide Heath Savings Account 2013 2014 reference guide Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist of sections and topics

More information

Do you know where your money

Do you know where your money Manage Your Money Lesson 2: Where Does Your Money Go?. Do you know where your money goes? You may say, House payments, car loan, utility bills, and food. But after that, things begin to get a bit fuzzy.

More information

Take control of your money

Take control of your money Take control of your money A resource to help you learn about budgeting. Information given is of a general nature only and does not constitute personalised financial advice. While BNZ has made every effort

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Money Matters. Ulster Bank s no nonsense guide to: Managing Debt

Money Matters. Ulster Bank s no nonsense guide to: Managing Debt Money Matters Uster Bank s no nonsense guide to: Managing Debt Money Matters contents Sections 1 3 Understanding debt Section 4 How to manage debt Sections 5 6 Sections 7 8 How to get in contro of debt

More information

The definition of insanity is doing the same thing over and over again and expecting different results

The definition of insanity is doing the same thing over and over again and expecting different results insurance services Sma Business Insurance a market opportunity being missed Einstein may not have known much about insurance, but if you appy his definition to the way existing brands are deveoping their

More information

Effective Strategies for Personal Money Management

Effective Strategies for Personal Money Management Effective Strategies for Personal Money Management The key to successful money management is developing and following a personal financial plan. Research has shown that people with a financial plan tend

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Back to the Basics: Building a Financial Safety Net Begins with Life and Disability Insurance. Benefits at Work Series. A Colonial Life White Paper

Back to the Basics: Building a Financial Safety Net Begins with Life and Disability Insurance. Benefits at Work Series. A Colonial Life White Paper Back to the Basics: Buiding a Financia Safety Net Begins with Life and Disabiity Insurance Benefits at Work Series A Coonia Life White Paper November 2011 Tabe of Contents Executive Summary 1 The Far-Reaching

More information

Reach for Your Dreams: Start Saving Now

Reach for Your Dreams: Start Saving Now Reach for Your Dreams: Start Saving Now This workbook will help you create a spending and savings plan to achieve your financial goals. Prepared by adult learners at Project Read, San Francisco Public

More information

Undergraduate Studies in. Education and International Development

Undergraduate Studies in. Education and International Development Undergraduate Studies in Education and Internationa Deveopment Wecome Wecome to the Schoo of Education and Lifeong Learning at Aberystwyth University. Over 100 years ago, Aberystwyth was the first university

More information

INSERT SECTION DAILY EXPENDITURES TRACKING SHEETS EXPENSE WORKSHEET INCOME WORKSHEET

INSERT SECTION DAILY EXPENDITURES TRACKING SHEETS EXPENSE WORKSHEET INCOME WORKSHEET INSERT SECTION DAILY EXPENDITURES TRACKING SHEETS EXPENSE WORKSHEET INCOME WORKSHEET U N D E R S T A N D I N G M O N E Y A N D C R E D I T R E F E R E N C E G U I D E 17 Record Of Daily Expenditures MONTH

More information

Diploma Decisions for Students with Disabilities. What Parents Need to Know

Diploma Decisions for Students with Disabilities. What Parents Need to Know Dipoma Decisions for Students with Disabiities What Parents Need to Know Forida Department of Education Bureau of Exceptiona Education and Student Services Revised 2005 This is one of many pubications

More information

Budget Busters: Who s Breaking the Bank?

Budget Busters: Who s Breaking the Bank? Time Required: 15 minutes Budget Busters: Where does all your money go? No matter how much money you earn, a careful budget lets you know exactly what happens to your cash. Below are three different cash

More information

Your Financial Action Plan 1

Your Financial Action Plan 1 FCS5204 1 Adapted by Josephine Turner and Michael Gutter 2 Overview Families today are faced with a financial puzzle. In addition to stretching their income from one paycheck to the next, they face the

More information

Accounting in the Construction Industry

Accounting in the Construction Industry Accounting in the Construction Industry How your CPA can hep you be among the 80 percent of contractors expected to survive the next year, rather than the 20 percent expected to fai. This whitepaper wi

More information

Health Savings Account 2014-2015 reference guide

Health Savings Account 2014-2015 reference guide Heath Savings Account 2014-2015 reference guide www.seectaccount.com Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist

More information

Finances for College Students

Finances for College Students Finances for College Students If you are like most college students, your top priority is your education, but you can make sure monetary concerns don t get in the way of your studies by fitting financial

More information

Income Protection Options

Income Protection Options Income Protection Options Poicy Conditions Introduction These poicy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It is important that you read them carefuy

More information

We are XMA and Viglen.

We are XMA and Viglen. alearn with Microsoft 16pp 21.07_Layout 1 22/12/2014 10:49 Page 1 FRONT COVER alearn with Microsoft We are XMA and Vigen. Ca us now on 0115 846 4900 Visit www.xma.co.uk/aearn Emai alearn@xma.co.uk Foow

More information

Participant Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum

Participant Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Money Matters Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Table of Contents Page How to Prepare a Spending Plan 1 Daily Spending Diary 2 Monthly Income and Expense Worksheet

More information

Infrastructure for Business

Infrastructure for Business Infrastructure for Business The IoD Member Broadband Survey Infrastructure for Business 2013 #5 The IoD Member Broadband Survey The IoD Member Broadband Survey Written by: Corin Tayor, Senior Economic

More information

Family Financial Play Pack

Family Financial Play Pack Family Financial Play Pack Family activities help children master financial concepts Acknowledgments This Family Financial Play Pack Card was written by the National Center for Family Literacy (NCFL)

More information

alllearn Microsoft with We are XMA. Call us now on 0115 846 4900 Visit www.xma.co.uk/alllearn Email alllearn@xma.co.uk Follow us @WeareXMA

alllearn Microsoft with We are XMA. Call us now on 0115 846 4900 Visit www.xma.co.uk/alllearn Email alllearn@xma.co.uk Follow us @WeareXMA alearn with Microsoft We are XMA. Ca us now on 0115 846 4900 Visit www.xma.co.uk/aearn Emai alearn@xma.co.uk Foow us @WeareXMA Introduction Use our 'steps to alearn' framework to ensure you cover a bases...

More information

Aviva Times of our Lives Report. Autumn 2012

Aviva Times of our Lives Report. Autumn 2012 Aviva Times of our Lives Report Autumn 2012 Contents Introduction Introduction Materia Weath Weath: What we re Worth Contents, Cars and Homes Mind the Gap The Insurance Gap The Income Gap Emotiona Heath

More information

l l ll l l Exploding the Myths about DETC Accreditation A Primer for Students

l l ll l l Exploding the Myths about DETC Accreditation A Primer for Students Expoding the Myths about DETC Accreditation A Primer for Students Distance Education and Training Counci Expoding the Myths about DETC Accreditation: A Primer for Students Prospective distance education

More information

n budgeting basics effectively money.

n budgeting basics effectively money. n budgeting basics effectively managing your money. n budgeting basics Why budget? You have an income. You have expenses. In the ideal situation, what you bring in should be greater than what you shell

More information

Monthly Income Worksheet

Monthly Income Worksheet Monthly Income Worksheet Figure Your Monthly Income Your weekly pay X 52 12 or Your twice-a-month pay X 2 Your Monthly Take-home Pay Figure Household Members Monthly Income Weekly pay X 52 12 or Twice-a-month

More information

DigitalKitbag. Email marketing

DigitalKitbag. Email marketing Emai marketing Who are Digita Kitbag? We re your business marketing team Digita Kitbag is owned and operated by Johnston Press, one of the argest regiona media pubishers in the UK and Ireand. We have a

More information

Australian Bureau of Statistics Management of Business Providers

Australian Bureau of Statistics Management of Business Providers Purpose Austraian Bureau of Statistics Management of Business Providers 1 The principa objective of the Austraian Bureau of Statistics (ABS) in respect of business providers is to impose the owest oad

More information

saving for your future Saving Money to Reach Your Financial Goals

saving for your future Saving Money to Reach Your Financial Goals saving for your future Saving Money to Reach Your Financial Goals F I N A N C I A L M E N T O R I N G P R O G R A M IN THIS MODULE YOU WILL LEARN HOW TO: Create short, intermediate, and long-term savings

More information

Real Life Reform Report 2. December 2013

Real Life Reform Report 2. December 2013 Rea Life Reform Report 2 December 2013 2 I have had to cut back where I can. I have no money. I sod ots of things from my home to pay off debts. I hate debt and worked a my ife but I reay don t have anything

More information

Managing Your Money: A Family Plan

Managing Your Money: A Family Plan Managing Your Money: A Family Plan Managing Your Money: A Family Plan Everyone wants enough money to live on. Many people feel they need more. Use money to help get what you want by the following: making

More information

HOW TO SAVE FOR YOUR FUTURE. a guide for financial security

HOW TO SAVE FOR YOUR FUTURE. a guide for financial security HOW TO SAVE FOR YOUR FUTURE a guide for financial security Save for your future. Choose to Save is designed to encourage Americans to take four basic steps to secure their financial future: 1 Calculate

More information

What makes a good Chair? A good chair will also: l always aim to draw a balance between hearing everyone s views and getting through the business.

What makes a good Chair? A good chair will also: l always aim to draw a balance between hearing everyone s views and getting through the business. Chairing a meeting An important job of the Chairperson is chairing meetings. Prior House 6 Tibury Pace Brighton BN2 0GY Te. 01273 606160 Fax. 01273 673663 info@resourcecentre.org.uk www.resourcecentre.org.uk

More information

Chapter 3: Investing: Your Options, Your Risks, Your Rewards

Chapter 3: Investing: Your Options, Your Risks, Your Rewards Chapter 3: Investing: Your Options, Your Risks, Your Rewards Page 1 of 10 Chapter 3: Investing: Your Options, Your Risks, Your Rewards In This Chapter What is inside a mutua fund? What is a stock? What

More information

Standard 1: The student will describe the importance of earning an income and explain how to manage personal income using a budget.

Standard 1: The student will describe the importance of earning an income and explain how to manage personal income using a budget. STUDENT MODULE 1.4 EARNING AN INCOME PAGE 1 Standard 1: The student will describe the importance of earning an income and explain how to manage personal income using a budget. Managing Your Income Mickey

More information

$ Set Up a Spending Plan $

$ Set Up a Spending Plan $ $ Set Up a Spending Plan $ Setting up a spending plan includes: Figuring out your average monthly income Identifying financial goals Keeping track of your average monthly living expenses Figure out your

More information

Section: content for the worker and resources A: Introducing household budgets

Section: content for the worker and resources A: Introducing household budgets Overview 1: Household budgets This topic is about preparing and keeping a household budget. It helps your client understand what to put into a household budget and how to track spending. Section: content

More information

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts Exampe of Credit Card Agreement for Bank of America Visa Signature and Word MasterCard accounts PRICING INFORMATION Actua pricing wi vary from one cardhoder to another Annua Percentage Rates for Purchases

More information

Table of Contents. Money Smart for Adults Curriculum Page 2 of 25

Table of Contents. Money Smart for Adults Curriculum Page 2 of 25 Table of Contents Pre-Test... 4 How to Create a Spending Plan... 6 Activity 1: Daily Spending Diary... 7 Activity 2: Monthly Income and Expense Worksheet... 9 Activity 3: Monthly Payment Schedule... 14

More information

Message. The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries.

Message. The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries. Message The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries. With the weight of our economy shifting towards knowedge-based and

More information

Niagara Catholic. District School Board. High Performance. Support Program. Academic

Niagara Catholic. District School Board. High Performance. Support Program. Academic Niagara Cathoic District Schoo Board High Performance Academic Support Program The Niagara Cathoic District Schoo Board, through the charisms of faith, socia justice, support and eadership, nurtures an

More information

Table of Contents... 1. Money Smart... 2. Money Matters... 3. Why Budget?... 4. Daily Spending Diary... 5. Income and Expenses Worksheet...

Table of Contents... 1. Money Smart... 2. Money Matters... 3. Why Budget?... 4. Daily Spending Diary... 5. Income and Expenses Worksheet... $ BUDGET Table of Contents Table of Contents... 1 Money Smart... 2 Money Matters... 3 Why Budget?... 4 Daily Spending Diary... 5 Income and Expenses Worksheet... 6 Tips to Decrease Spending... 7 Increasing

More information

Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT

Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT Thank you for contacting Comprehensive Credit Counseling of Rural Services of Indiana, Inc. for you Pre- Bankruptcy Filing Certification.

More information

A Conversation with enx@pacbell.net enx@pacbell.net www.enxmag.com

A Conversation with enx@pacbell.net enx@pacbell.net www.enxmag.com The #1 Sourcing Pubication in the Document Imaging Industry The #1 Sourcing Voume 11 Pubication No.7 in the Document Imaging Industry The #1 Sourcing Pubication in the Document Imaging Industry Sourcing

More information

10 Steps to Financial Freedom in Your Twenties and Thirties

10 Steps to Financial Freedom in Your Twenties and Thirties 1 Steps to Financial Freedom in Your Twenties and Thirties On our journey to obtain independence and achieve financial success, we usually prioritize having good educational experiences, a sound resume

More information

Breakeven analysis and short-term decision making

Breakeven analysis and short-term decision making Chapter 20 Breakeven anaysis and short-term decision making REAL WORLD CASE This case study shows a typica situation in which management accounting can be hepfu. Read the case study now but ony attempt

More information

In some states, however, the couple must live apart for a period of months or years before they can obtain a no fault divorce.

In some states, however, the couple must live apart for a period of months or years before they can obtain a no fault divorce. What is a "no faut" divorce? "No faut" divorce describes any divorce where the spouse asking for a divorce does not have to prove that the other spouse did something wrong. A states aow no faut divorces.

More information