Mary Castillo shares how her desire to help others led to a career as a financial educator and credit counsellor at the Credit Counselling Society.

The Saskatoon Industry-Education Council (SIEC) is a bridge between Saskatchewan’s career opportunities and Saskatoon area youth. Through a partnership among business, secondary and post-secondary schools, unique hands-on career exploration events and programs are designed and delivered to students, helping them find a career that connects their passion and natural talents with current and future workforce needs.

The latest Debt Rescue Survey on the levels of financial distress among South African households suggests that the year has been so dire for consumers, that some may not be able to enjoy the festive season as they have in the past due to affordability constraints.
Some consumers are consciously deciding to cut down on their Christmas expenses, so as not to fall further into financial peril going into next year.
To tell us more about what the survey uncovered, I’m joined by Neil Roets, CEO: Debt Rescue.

For more news, visit sabcnews.com and #SABCNews on all Social Media platforms.

HOW TO COME OUT OF HUGE FINANCIAL DEBT |APOSTLE JOSHUA SELMAN
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HOW I GOT MY COMPLETE DELIVERANCE APOSTLE JOSHUA SELMAN
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In a distinctive effort, the Meghalaya Rural Bank (MRB) conducted a financial credit and counseling campaign on Friday for the students of St. Theresa’s Upper Primary School located in Kreit village, within the Sohiong Community and Rural Development Block.

During her address, Markynti Marbaniang, the branch manager of the MRB Mawlaingut branch, emphasized to the young audience the significance of initiating savings at an early age.

The branch manager advised the students against spending all the money they receive from their parents or relatives on unhealthy snacks.

Additionally, she informed the parents about the benefits of recurring deposits, highlighting the potential for earning a higher interest rate.

Furthermore, the branch manager discussed various government schemes, including the Atal Pension Scheme, Pradhan Mantri Jeevan Jyoti Bima Yojana (a life insurance scheme), and Pradhan Mantri Suraksha Bima Yojana (an accidental insurance scheme).

The Shillong Times, a leading news organisation in Meghalaya, brings to you news and information from across the state, the Northeast region and the country.

Like, Share and Subscribe to TST channel for latest news and updates.

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Watch this episodes POST SHOW here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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Prepare for the UGC NET Management Paper 2 with expert guidance from Bushra Shazli. In this session, we cover crucial concepts of Financial Management to help you ace the exam. This video provides a comprehensive understanding of key topics, including capital budgeting, financial planning, working capital management, and more.

???? Key Topics Covered:

Capital Structure and Theories
Cost of Capital
Working Capital Management
Dividend Decisions
Financial Leverage and Risk
Time Value of Money

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If you’re feeling overwhelmed with financial decisions, a free financial counsellor can help you put a plan in place for your money. The earlier you get help, the more options you’ll have. Call the free National Debt Helpline on 1800 007 007.

Learn practical tips to help you budget and save, organize your money, and deal with the Canada Revenue Agency so that you can feel more confident and less stressed about your finances. For British Columbia. Current to September 2024. Show notes at https://www.peopleslawschool.ca/webinar/financial-wellness/

Financial wellness
3:00 What financial wellness means.
4:15 Whether you need a lot of money to have financial wellness.
5:50 Key indicators of financial wellness.
10:00 Savings tips and strategies for people who struggle with impulsive spending.

Money management
16:35 Systems and strategies to organize your money.
21:15 Whether you need a budget and how to get started.
24:10 Steps to take when you owe a lot of money and feel too stressed to think about it.
27:55 Three top tips to improve your credit score.
33:45 Steps to take now to make it easier for someone else to deal with your finances if you get into a serious accident or die.

Dealing with the Canada Revenue Agency
37:15 Common challenges when it comes to paying taxes.
38:05 What happens if you don’t file your taxes on time.
38:40 What to do if you owe a lot of money in taxes but don’t have any money saved to pay them.
40:35 Tips for calling the Canada Revenue Agency to deal with outstanding taxes.
42:20 What to do if you make a mistake on your tax filing.

Live questions
43:50 The difference between a non-profit and a for-profit credit counselling agency.
45:50 Whether the utilization ratio used to calculate your credit score is measured per credit card or on your overall borrowing.
46:45 Whether the Canada Revenue Agency can insist on quarterly payments.
47:20 Tips for keeping cash on hand for disasters or emergencies.
49:30 Factors to consider in making a consumer proposal versus declaring bankruptcy.
51:05 Strategies for preparing for and saving money for your funeral.
52:35 How to dispute a collections account on your credit report.
54:10 Whether to increase your credit card limit in order to keep your utilization ratio at 60%.
54:25 Whether checking your own credit score affects the score.
54:55 What happens after a bankruptcy, including how long it takes before you can get a loan.

Just as debt can bring financial bondage, so also can wealth and abundance. A wealthy individual who cannot sleep because of anxiety over his money or his investments is in great bondage. No wonder that the preacher desired neither poverty nor riches but just food convenient for him (Proverbs 30:7-9). The poor can get into bondage through borrowing but the rich can be enslaved by their wealth. Their heart is overcharged with surfeiting and their wealth becomes an idol to them.
The case of the rich young ruler that came to Jesus comes to mind (Mark 10:17-28).
Financial bondage is a terrible thing. It ensnares the person concerned and robs them of the joy and benefits of simple, free, peaceful living.
Financial freedom is God’s will for us where we neither have the overbearing anxiety over diminishing assets or the stressful worry of how to pay the next bill. God meets our every need, we are free to serve Him and He reigns without a rival on the throne of our hearts.

1) INDISPENSABILITY OF GREAT COMMITMENT: ????????????
John 15:5; 11:44; 8:32,36; Psalm 119:105; 19:7-11; Jeremiah 10:23; 13:23; 29:11-14; Acts 20:20,27; Ephesians 1:11; Exodus 9:29; 19:5; 1 Corinthians 10:26; Job 41:11; Haggai 2:8.

The first step towards financial freedom is conversion, turning over our life completely into God’s hand — our sins, anxieties, fears, plans, future, totality. We cease to be the master of our lives. We recognize that without Him we can do nothing (John 15:5; Psalm 128:1; Jeremiah 13:23).
We acknowledge divine ownership and cease from self-management (Psalm 74:1; 79:13; 95:7; 100:3; 24:1; 50:10-12; 115:16; Proverbs 20:24; 16:9; 19:21; Jeremiah 10:23; Deuteronomy 10:14; Leviticus 25:23; 1
Chronicles 29:14; Job 41:11; Haggai 2:8; Exodus 19:5; 9:29; 1 Corinthians 10:26). Without this great commitment, we cannot commence the journey to financial freedom. We need to acknowledge that God has better plans and that we are ready to follow His plans as revealed in the Bible and as taught by godly men with divine insight (Jeremiah 29:11-14; 2 Chronicles 20:20; Isaiah 7:9; Acts 20:20,27; Ephesians 1:11).
The truth of God’s word sets free fully and permanently. There is great reward in following divine prescriptions (John 8:32,36; Psalm 119:105; 19:7-11).
If we are financially bound hand and foot like Lazarus was physically bound hand and foot, we cannot free ourselves, God will have to lose us and let us go. (John 8:32,36; 11:44).

2) IMPORTANCE OF GOOD COUNSELLING: ????????????
Proverbs 11:14; 12:15; 13:10; 15:22; 20:18; 24:6; Haggai 1:2-5; Hosea 4:6; Isaiah 55:2; 1 Timothy 6:17-19; Matthew 17:24-27; 25:14-30; Romans 13:6-8.

In any undertaking in life, the importance of good counselling cannot be discounted. Very often the difference between success and failure has been good counselling or lack of it.
The goal of financial freedom can be well established through good counselling. The situation is evaluated, the goals are reviewed, a workable plan can be set in place, priorities are established,
alternatives can be suggested and the funds are made to stretch. Many christians can live better lives on their present income. What most people need is seldom a salary increase but rather wisdom in effective and beneficial dispensing of the money already in hand. It is good to take financial stock — a honest evaluation of our financial position, listing our present income, expenditure, assets, liabilities and then embark on a good financial surgery and revamping.

INSIGHT OF GODLY COUNSELORS: ????????????
2 Kings 4:1-7; 6:1-7; Genesis 41:38-44; Daniel 2:47-49; 1:20; Matthew 20:1-17; 25:14-30; 17:24-27; Luke 7:36-50; 12:42-48; 15:8-24; 16:1-31; 17:7-10; 19:12-27; 20:22-26; Matthew 10:24,25; 1 Peter 2:21.

In seeking counselling on financial matters, either for freedom from financial bondage or planning towards financial independence, it is very important that we seek the insight of godly counselors. It is a pity that many christians today are very ignorant of basic financial principles and cannot offer grassroot advice to their fellow christians in this area. This has created a great loophole for the devil to exploit and many believers are therefore in financial bondage through the counsel of the world’s financial advisers.
In resolving her financial problems, the prophet’s widow’s first point of call was not to the creditor for a re-negotiation of the terms of payment or a re-scheduling of the debt, it was to Elisha the prophet of God to seek advice, counselling or perhaps a miracle-bringing intercession (2 Kings 4:1-7).
The young that lost the axe head cried to the prophet for help. His first thought was not how to borrow to pay for the lost axe-head or agree terms of payment with the lender (2 Kings 6:1-7). For many christians, when financial problems arise, their first point of call is the bank manager or other financial advisers and consequently they get into more debt.

INFLUENCE OF FINANCIAL INTERMEDIATION INSTITUTES ON THE WELFARE OF THE POPULATION IN THE WESTERN EUROPEAN COUNTRIES
Karen Turyan, National Polytechnic University of Armenia, Armenia

(Presented at the International Conference on Research in Education and Science (ICRES) which took place on April 27-30, 2024, in Antalya, TURKEY (https://www.2024.icres.net/) and at the International Conference on Education in Mathematics, Science and Technology (ICEMST) (https://www.2024.icemst.com/) organized by the International Society for Technology, Education and Science (ISTES) http://www.istes.org).

Throughout the history of the origination and development of the economy, financial intermediation has served to reduce transaction costs, which has had a stimulating effect on the economic system. On the other hand, financial intermediation at certain stages, replacing the real sector of the economy, could cause economic crises, unjustifiably inflating the money supply. The period after World War II was a period of prosperity and development of the economies of Western Europe. The struggle and unity of opposites, which manifests itself in the synergy of capitalism and social justice, leads to the formation of a new society. All the difficulties of this period undoubtedly affected the well-being of the population. In such difficult conditions, financial intermediation could play an important role in developing the economic potential of Western European countries. Was this really the case? The article makes an attempt to find an answer to this particular question. The purpose of this study: – to determine the impact of the financial intermediation institutions on the well-being of the population in Western European countries. We use the methodology of chrono-discrete monogeographic comparative analysis proposed by Demichev (2019) for legal institutions.