Tagged With "census flows mapper"

Like a medical exam, a review of clients’ finances can identify strategies to improve their “financial fitness” and screen for potential problems, such as a high debt-to-income ratio. This article features 10 diagnostic tools to assess the strengths and weaknesses of a client’s financial situation that can be reviewed in a one-hour appointment.

There’s a software development company in Ann Arbor, Michigan called Menlo Innovations . One of the ways they provide structure & clarity in their company is with their project managers and developers. To encourage developers to provide real-time information, good or bad, they instituted a very simple predictable process. When the developer needs to communicate anything to the project managers, the project managers have been asked to simply smile & say “thank you”. This encourages...

by Karen Shirer, Ph.D. In Brief Relationship education (RE) for individuals, couples and families can provide critical support in recovering relationship health after disruptive events like the COVID-19 pandemic. A new podcast series on RE focuses on three important RE programs and resources — the NERMEM , Healthy Relationship and Marriage Training and Elevate for Couples . Dr. Ted Futris shares examples for applying the model’s components to your work with individuals and families in...

Extension educators are in a position to help consumers build financial health. This post describes what financial health is, how to assess it, and twelve steps to achieve it. What Is Financial Health? Financial health is the current state of someone’s finances. It includes both daily financial functioning (e.g., paying bills) and long-term resilience and opportunity. Like physical health, financial health can change over time and needs to be assessed regularly. According to the Financial...

Non-alcoholic fatty liver disease (NAFLD) is a medical term related to a condition caused by a build-up of fat in liver cells, aka fatty liver. In a healthy body, the liver removes toxins and produces bile, a protein that breaks down fat into fatty acids to be digested. Fatty liver disease causes damage to the liver and prevents it from working. Why is this important? For most people, having fatty liver may not cause an illness but if left untreated and progresses it can cause injury to...

Extension Educators can change their clients’ lives dramatically by sharing information and tools to build wealth. One of the most valuable financial resources is time for compound interest to work its magic on regular savings deposits such as Roth IRA contributions.

"Whatever you do out there in the world do an equal amount of work internally because if you don't your work in the world will not be as effective." - Dr. Gabor Mate' Recently attended a leadership development workshop where a Psychologist spoke and led us in some discovery exercises. He point-blank stated there are not enough Psychologists to encourage positive lifestyle changes. He asked us to implement them in some way and share the value with others! Here are the therapeutic lifestyle...

Was reminded of this story Dr. Ken Robinson told in one of his TedTalks... It's the story of a little girl who was in an art lesson. She was drawing. She was six, and at the back of the classroom. The teacher said she hardly ever paid attention but in this lesson, she did. The teacher was curious. She walked over to her, and asked, "What are you drawing?" The girl said, "I'm drawing a picture of God." The teacher stated, "But nobody knows what God looks like." The girl replied, "They will in...

U.S. consumers haven’t just experienced a “perfect storm” of financial challenges…they have experienced a “perfect tornado!” Challenging financial events include sustained high inflation (and increased costs for food, utilities, rent, gas, insurance, housing, etc.), recession fears, increased interest rates, bank failures and government bank take-overs, volatile stock prices, lower savings rates, and increasing household debt. Extension professionals routinely answer questions from clients...

As we approach the Christmas season, be mindful of excessive holiday spending. While Christmas is the season of giving, excessive spending can lead to much regret, depression, and even added financial struggles in the new year. According to Berden and Haws (2012), spending can quickly get out of hand when it is driven by emotions rather than a plan. Have you ever gone to the store to grab a few items, but as you stroll next to the; buy one get one free, the rollbacks, the manager's special,...

Are you any good at managing your time? Some of you may think, “I'm not bad at it.” But most, like me, are no good at all. So here's the question. What if you worked on managing your energy instead of managing your time? Time is finite. But energy can appear seemingly out of nowhere. In truth, energy has four sources: the body, our emotions, our minds, and our spirit. Tony Schwartz, founder of the Energy Project, says we can learn to harness these dimensions, creating our own energy. Tony...

Whether you’re supporting a service member transitioning to civilian employment, alongside a military spouse, or helping both as they explore options for their child(ren), discover four ways for military families to plan for education expenses.