Frequently asked questions-what is unit linked investments? With answer?

1. Do you like your work? Are You Stuck up in a job you hate?

It is very critical that we take the necessary steps to come out if we feel stuck up in a job we hate.

But how do you quit if you find yourself in a job you hate or are not fulfilled in?

Really God is very interested in our professional or business life and means for us to wake up everyday to enjoy what we are doing. If you find yourself a lover of Fridays and a hater of Mondays in your work, then you must go back to the drawing boards and discover your calling. If you find yourself in a job where you don’t seem to be making real progress in terms of your net worth because your salary is low and your bosses don’t think you deserve any major raise, then it is time to go back to the drawing board. God intends for you to be fruitful; but this is only possible if you are doing what you are called to do. From the book of Revelation we read: Rev 3:7b-8: ‘This is the message from the one who is holy and true. He is the one who has the Key of David. He opens doors and no one can shut them; he shuts doors, and no one can open them. “I know all the things you do and I have opened a door for you that no one can shut. (NLT)

Sometimes God is shutting a door, but we are not sensitive to what he is doing and try to stay put until we are forced out through a sacking. But if we are walking with God, he will already have revealed to us the door he has already opened.

The key is that with the revelation we get, we must begin to prepare to move on by investing in the new area of fruitfulness before we actually quit, maintaining stability in our income. Of course we resist change; someone commented: The resistance to change is the fear of the unknown. We get too comfortable with our present conditions that look stable, that we fight to maintain the status quo. But we must learn to embrace change that is in the will of God and immediately begin to prepare for it. So if you find yourself in a job you hate or a job that is not fulfilling, seek God for the door that he is opening for you in line with his purpose for your life and begin to invest in it as you prepare to move on.

The Need - Why Do You need to save and invest?

The challenge in the world today is that many Are not Relating with their Money well in their active years. Many years of work and significant earnings BUT very little to show for it.

Research - reveal that about 95% of us the world over will not become financially independent in our life time.

Reason - they live in obedience to a law of money; Parkinson’s Law- states that ‘As our income increases, our expenses will rise to meet our income’.

Corollary of the law - states that ‘most people the world over tend to spend everything they are earning plus a little bit more’.

What Financial Goals Should You Set?

Universal Goal-No matter your starting point, the universal goal for working whether in formal or informal employment is to achieve financial independence within the shortest possible time. At the point of independence, you will be more than able to meet all the other goals listed below: -

• Passive Income > Active Income = Financial Independence
• Active income - money you earn working
• Passive income - money you earn without working i.e. active income you employ to work for you.

Other Goals:

To meet my daily needs and take care of my family-this is a good ethical goal. In 1 Timothy 5:8, the word of God states, If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever.

• To stop paying rent and move into a house of my own.
• To save for retirement.
• To set up an educational fund for my children.

BUT I DON’T HAVE ANY MONEY TO INVEST?

Principle-Live on less and love it more by living on an Investor’s budget. Living on less means that you identify cost savings to trim on each of the listed expenditure items.

THE INVESTOR’S BUDGET:

The investor’s budget- allocates monthly family income into diverse expenditure.

My advice-when you get money from whichever source and you want to stop obeying Parkinson’s Law,