Happiness From the Heart


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In your life you have many challenges and obstacles that you have to face. Whether you want to or not it is a part of life. People seem to think that happiness is found by having money, fast cars or anything else that they might want out of life. However, sure having money would lighten the load, and take some stress off but in the end when all that money is gone where are you going to be?

I may not have money, a nice car, fancy things or everything that I want. The things that I do have is a loving family, a home to call our own, a good job, and just about everything that I could ever need at this point in my life. My children, and husband are the most important part of my life right now. Some things are just not that important to people and having lots of money is one of those things it cannot buy love or happiness. Well it can buy love and happiness if you are willing to go into debt for the rest of your life. It is true that life sometimes brings some unexpected surprises and there is nothing that you can do about it but work through those unexpected surprises no matter what the cost.

She has this question come up a lot from people. What do you give up for your children? Well the answer is quite simple we give up a lot for our children because they are the most important part of our lives. When you are a parent you cannot just take off when you feel like it, buy what you want without making sure that your children have what they need or make them go without food, water, shelter or clothes just because you found something that you want. That is not being a parent! We give up a lot because our children are the most important thing to us right now. Finding happiness in the world takes one thing and that is looking at your children and watching them become the young adults that they should be in this world. They need to know that everything does not come easy and that they cannot have everything that they want out of life unless they have a good paying job.

She watches as parents buy everything that their children want regardless of whether they have the money or not. That is giving your children the wrong aspect of the world because when they finally grow up they are going to think that they can have and do anything that they want without regards to the consequences of their actions.

So our happiness is to spend time with our family in our home. We may not have cable television, the latest game consoles, the biggest televisions or anything else. We have our love and unconditional support as a family. We make sure that we have the things that we need and everything else is optional. Unless we strike it rich from the lottery we will continue to live our life the way that we do. We do not need much except for the essential things in life.

Everyone is different and have different expectations of how they want to live their life and that is their choice. If they are happy with the way their life is going then they have found happiness in the world.

Of Course, we want more out of life but good things come to those who wait. She knows that things will work in their favor, and the wait will be worth it in the end.

Time Value of Money


Why is the time value of money concept important? In what quantitative decisions might the time value of money be used?

In business the time value of money is very important because it allows business’s to determine how much an investment will increase in value over a determined amount of time. The way that the stock market, and how the government is going these days many people are putting their money that they earn into 401k’s or IRA’s which over a period of time will calculate the value of their investment. There is a variety of investment tools that are out there to help people with investing their money in any time of investment. Many people choose the high interest rate that normally pays off in the long run if the investment is not touched. Many people have decisions to make regarding different positions within their life. Student loans, and financing a home use the time value of money. The interest rates have dropped since the financial meltdown. Many students have ended up with the lower interest rates. You have to have a clear understanding of the time value of money are able to better analyze the risks that are involved with the investments, and can make the money work for them instead of against them. This is something that I wish I understood a little better so that I can make the money work better for me instead of against me. Most companies use the time value of money to compare their investment alternatives in regards to profits, and earnings. These companies also use time value of money with leases, annuities, savings, mortgages, and loans. In order to make the right decisions for the company time value of money should be the top priority for any business to make solid financial decisions.

Give three examples of important tradeoffs that you face in your life


180211_10150960014629939_177941515_nSome of the tradeoffs that she faces in her life deal with homeschooling, college, work, and family. Sometimes it is hard to make enough time in the day for these things that she holds dear to her heart. Sometimes there is not enough time and you have to make sure that you have the time to get the required things done with the allocated time that you have during a day. You have to spend your time wisely to manage to get the items done in the allocated time that you have set out for those items. First, homeschooling is important because the future of her children is in the midst of learning what to expect in the outside world. So making the right amount of time to spend with her children to make sure that they learn the basic concepts that they will need to know in the real world. Secondly, college in order for her to further her career, and learning experience she needs to make the most of her college learning experience and use the information in the outside world. Many companies today are looking for people that are educated and understand the concepts of running a business. She needs to make sure that she has allocated enough time for her to understand the concepts that she will learn in her classes, and how she can use them in the real world. Furthermore, making time for your family is the most important because they come first in your life. She knows that having your family stand beside you through the hard times, good times, and any other times that may become a part of your life. Making time for the family can involve many things like taking them out on an outing, having a barbeque, watching a movie together or just spending quality time together as a family.  People do not manage their time wisely therefore, they are stressing about the things that they need to accomplish throughout the day. Planning your day with schedules, and making sure that you have the right amount of time to spend on each of the things that you need to accomplish will leave you feeling that you have accomplished something today.  The part of your day that takes up at least eight hours of your time is work. This is essential in making the money to pay the bills, and other things that you need in your life. Without money, you cannot accomplish much in your life so you have to allocate your time to make the money that you need to make it in the world. Everything that you do in life revolves around money, and you cannot make ends meet without that green paper money that everyone strives to make enough of to make life easier and without worries. Some of the things that you learn in college help you understand the concepts in the real world. Any business wants to make money that is why they are a business.