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Exam Code: 1Z0-533 Practice test 2022 by Killexams.com team
1Z0-533 Oracle Hyperion Planning 11 Essentials

Exam Title: Oracle Hyperion Planning 11 Essentials
Exam Number: 1Z0-533
Format: Multiple Choice
Duration: 120 minutes
Number of Questions: 70
Passing Score: 66%
Validated Against: This test has been validated against 11.1.1.

Overview of Hyperion Planning
Describe the main features of Hyperion Planning
Describe the product architecture of Hyperion Planning
Access Planning through Workspace
Modeling in Planning
Describe dimensions
Describe members and member properties
Create scenario dimensions
Create version dimensions
Set up entity dimensions
Set up account dimensions
Describe dense and sparse dimensions
Set up currencies and exchange rates
Set up user defined dimensions and attribute dimensions Data Loading
Describe different dimension build alternatives
Describe different data load alternatives
Share Planning data within an application and outside an application
Forms Designer
Create and edit data forms and folders
Manage user variables
Create Custom Menus
Create Smart Lists
Calculations, Business Rules, & Calculation Manager
Describe Business Rules and capabilities
Create and manage business rules
Describe and use member formulas and calc scripts
Use Calculation Manager
Describe financial reporting basics
Described and use Workforce Planning
Describe and use Capital Expense Planning
Creating a Planning Applciation
Set up data source
Describe and use the Calendar
Described and use Plan Types
Describe EPM Architect
Create dimension members in EPMA
Planning End User Functions
Perform Planning End User features over the web
Use End User features in Smart View
Use work flow process management to copy data between application versions
Planning Security and Administration
Describe security in Planning
Describe user provisioning in Shared Services
Provision users and groups for Planning
Generate provisioning reports
Assign access rights in Dimension Editor
Import access rights
Create security filters
Perform general application administration tasks

Oracle Hyperion Planning 11 Essentials
Oracle Essentials study tips
Killexams : Oracle Essentials study tips - BingNews https://killexams.com/pass4sure/exam-detail/1Z0-533 Search results Killexams : Oracle Essentials study tips - BingNews https://killexams.com/pass4sure/exam-detail/1Z0-533 https://killexams.com/exam_list/Oracle Killexams : Data Warehouse Concepts, Design, and Data Integration No result found, try new keyword!In this course, you will learn exciting concepts and skills for designing data warehouses ... In the data integration assignment, you can use either Oracle, MySQL, or PostgreSQL databases. Mon, 20 Sep 2021 09:00:00 -0500 text/html https://www.usnews.com/education/skillbuilder/data-warehouse-concepts-design-and-data-integration-0_yWjlOBnoEeWg_RJGAuFGjw Killexams : Vulnerabilities/Threats Russia-Ukraine Conflict Holds Cyberwar Lessons

Initial attacks used damaging wiper malware and targeted infrastructure, but the most enduring impacts will likely be from disinformation, researchers say. At Black Hat USA, SentinelOne's Juan Andres Guerrero-Saade and Tom Hegel will discuss.

August 09, 2022

Sun, 03 Jul 2022 04:11:00 -0500 en text/html https://www.darkreading.com/vulnerabilities-threats
Killexams : Oracle has started laying off more US employees this week, sources confirm No result found, try new keyword!Oracle has started cutting workers as part of a larger plan to reduce its head count by thousands and save $1 billion in costs, according to reports. Mon, 01 Aug 2022 06:49:00 -0500 en-in text/html https://www.msn.com/en-in/money/news/oracle-has-started-laying-off-more-us-employees-this-week-sources-confirm/ar-AA10c4RM Killexams : Recruitment Process Flaws Unveiled by New 2022 Study

Finding a good job can be challenging for many people, particularly with the rise in competition. Some common challenges people normally face include a lack of experience, online presence, and networking abilities, to name a few.

These challenges often lead to people not being completely honest about themselves in the recruitment process. A new StaffCircle study reveals that many people lie on their CV to pass these hurdles and to get an edge over the competition.

The findings of the survey

32% of employees (out of 1,500 surveyed) admit to not being completely honest in the recruitment process. What’s more surprising is that 93% of candidates who lied on their CV were never really caught. Also, 63% of these liars confessed ‌they might lie again in the future if need be. 

The top age demographics revealed most likely to lie frequently were  25-34-year-olds, then  35-44-year-olds, and then  18-24-year-olds. Over 50% of people declared they lied during the recruitment process because of having a lack of experience. 

This is a huge burden for employees because it’s tough to get a job with no prior work experience in the industry that they are pursuing, so people will feel compelled to lie about experience to help get the job they want and establish themselves in their chosen career path.  However, that’s not to say that it cannot be done, as people can still get a job having little to no work experience. 

The impact of lying 

As per the survey results, most people who lied on their CV weren’t caught. This resulted in the same people being more inclined towards lying in the recruitment process in the future. Out of those who admitted to lying on their CV, 62% revealed they’d be more likely to do so again to obtain a remote working role. 

However, it should also be considered whether it is well and truly worth the effort for someone to lie on their CV, especially since 58% of respondents stated ‌they felt there was no benefit from lying in the recruitment process.

Companies need to remain vigilant and react to employees still lying during interviews, as 63% of respondents still admitted they would be tempted to lie again for future opportunities,despite 68% of them declaring that their recruitment process was ‌“very or quite thorough”.

This indicates that organisations must closely assess applicants and look  to Boost their recruitment process. They should also work on ways to spend more time on screening applicants and finding suitable ones from multiple screening processes, like phone interviews, in-person interviews, and more. 

The final say

Employees are the most important asset of any business and can make or break your organisation. Hiring a candidate who has not been honest in the recruitment process can lead to decreasing the productivity of a business or hiring an unsuitable candidate.

Additionally, an employee who has lied at the very beginning of the recruitment process might also ‌lie in the future, whether it’s regarding project deliverables or anything else. 

To Boost their recruitment process, the human resource department of any organisation can utilise performance management techniques to better connect with their employees and identify gaps in the overall recruitment process. It’s always better to be diligent at the beginning of the process to prevent any shortcomings in the future that may affect the business in the long run.

Tue, 12 Jul 2022 12:00:00 -0500 GISuser en-US text/html https://gisuser.com/2022/07/recruitment-process-flaws-unveiled-by-new-2022-study/
Killexams : The business news you need

Warren Buffett has said he bought his first stock at 11 years old, which means he's been investing for 81 years. If that's not the definition of long-term investing, I don't know what is.

With those 81 years comes an incredible amount of wisdom, leading the investing community to often turn to Buffett in times of peril, simply because he's been an investor throughout the market's worst. In fact, over the course of Buffett's investing career, he's seen 12 recessions and nine bear markets. So, it goes without saying, the current market environment is nothing new to the Oracle of Omaha.

With that much experience in market volatility, Warren Buffett's investing activity during past bear markets could offer some insight.

Image source: Getty Images.

Warren goes on the offensive

People are also reading…

A study of Buffett's investing activity shows he's quite conservative when stocks are rising quickly, but strategically aggressive when prices fall -- and Berkshire Hathaway's (NYSE: BRK.A) acquisitions in exact bear markets confirm this.

Recent Market Declines of 20% or More


Price Paid


Dot.com Bubble


Acme Brick Company


Justin Brands


Benjamin Moore and Co.


John Manville


Fruit of the Loom


Northern Natural Gas


Great Financial Crisis


Cavalier Homes


Marmon Group


Current Bear Market


Alleghany Corporation


Data source: Berkshire Hathaway filings.

If you're curious as to how these acquisitions have turned out for Berkshire Hathaway's stock price, consider the chart below.

Berkshire Hathaway's acquisitions during market declines show that while the market is in panic mode, Buffett is usually loading his elephant gun. And that's without considering the stock purchases made by the company during those bear markets. While there's certainly more to his success as an investor, his ability to make level-headed decisions when the market is doing the opposite is a huge reason he's regarded as the greatest investor of all time.

Buffett keeps his focus on the long term

Panic selling is a side effect of short-term focus from investors. With the exceptions of investors about to retire or those in dire need of cash, there's little reason to sell high-quality stocks that have taken a beating simply due to macroeconomic factors outside the businesses' control. And yet, every five years or so, that's exactly what countless investors do as the market turns bearish.

It's safe to say, however, that Warren Buffett is not one of them. This quote from the Berkshire Hathaway CEO sums up the mindset all long-term investors should strive to emulate:

Over the long term, the stock market news will be good. In the 20th century, the United States endured two world wars and other traumatic and expensive military conflicts; the Depression; a dozen or so recessions and financial panics; oil shocks; a fly epidemic; and the resignation of a disgraced president. Yet the Dow rose from 66 to 11,497.

Next time you hear someone tell you to get out of the market because something scary is going on in the world, go back and reread that quote.

Ignore the noise and stay the course

Warren Buffett is regarded as the greatest investor of our generation for good reason. He's been investing for 81 years and has continually taken advantage of panic sell-offs by purchasing assets at extremely discounted prices. If you do those two things, there's little else you need to worry about.

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Mon, 11 Jul 2022 00:48:00 -0500 en text/html https://omaha.com/business/investment/personal-finance/when-other-stock-market-investors-panic-heres-what-warren-buffett-does-instead/article_78f1cd2c-d275-5c0c-a076-40e107b080e8.html
Killexams : The 12 Best Finance Books

We independently research, test, review, and recommend the best products—learn more about our process. If you buy something through our links, we may earn a commission.

There is no shortage of interest in finance books. Sales of business and economics print books reached a 10-year high, accounting for a quarter of all nonfiction unit volume and realized a 10% raise from 2021, according to the market research firm the NPD Group. Business is the second-highest category in print publishing after books about religion. This large, complex print category has 100 categories and 200 sub-categories.

To help you sort through these offerings, we’ve put together a list of the best—everything from a biography, how-to’s on managing money and investments, a lively reference book about cryptocurrency, policies that impact economics, scandals and personalities laid bare, and the thinking behind decision-making in the stock market and other areas, as well as the all-time best book on negotiating. These books, written by authors of diverse backgrounds, offer the most comprehensive picture and the freshest insights to provide a broad perspective on the economy in these complicated and high-risk times and will help you make better financial choices.

Best Overall: No Filter: The Inside Story of Instagram

Sarah Frier's No Filter: The Inside Story of Instagram. ranks as the best overall book on our list of fine finance books. The title doesn't do the book justice, because it's so much more than a book about two smart tech guys creating a novel app and then selling it to Facebook.

Through her well-written and -reported prose, Frier, the Bloomberg editor in charge of Big Tech coverage, tackles the significance of social media—how it can alter the outcomes of elections, impact the self-esteem and behavior of followers who don't have the seemingly perfect lives of celebrities and influencers, and, generally, hurt society, when it professes to do the opposite. She also takes us inside Facebook, especially profiling its co-founder Mark Zuckerberg, who Instagram's co-founder Kevin Systrom, called the most strategic thinker he's every met. A gripping read. 

“If Facebook was about friendships, and Twitter was about opinions, then Instagram was about experiences—anyone could be interested in anyone’s visual experiences, anywhere in the world,” Frier writes in her tale of app envy among Silicon Valley leaders. In 2010, Instagram co-founders Mike Krieger and Systrom were coming to terms with the scope of their online creation, a social media app for photos and video that led Facebook co-founder Mark Zuckerberg to acquire it for $1 billion two years later.

Systrom stayed on after the sale and tried to preserve the app’s initial intent of a way station for beautiful images, but he clashed with Zuckerberg, who wanted to grow Instagram, while keeping it from overshadowing the parent. “Facebook was like the big sister that wants to dress you up for a party, but does not want you to be prettier than she is,” an unnamed former Instagram executive is quoted in the book. Instagram comes out poorly, too, as its images of “perfect-looking” women caused some its followers to seek out cosmetic surgery, and opioids were sold through its site for several years.

Silicon Valley’s workings are thoroughly reported, thanks to Frier’s extensive interviews with venture capitalists and tech executives and Instagram influencers and celebrities. Accolades poured in for No Filter:  It was named the best business book in 2020 by the Financial Times and McKinsey Business Book, and received equally effusive attention from Fortune, The Economist, Inc., and NPR. 

Best on Personal Finance: Rich Dad Poor Dad

As any investor knows, it’s not how much money you make, but how much you keep—a main premise of Rich Dad Poor Dad, now published in a 20th anniversary edition. This conversational book—which considers being financially literate crucial to acquiring wealth—cites the lessons from a “rich dad,” a friend’s father who rises from humble beginnings to create a lucrative business and a capitalist, and a “poor dad,” Robert T. Kiyosaki's own father, who was a highly educated government employee his entire working life and a socialist.

Kiyosaki obviously took the “rich dad'' lessons to heart in co-writing what’s still considered, after 25 years, a top personal finance book. Chapter 2 questions the “American dream” of house ownership by spelling out Kiyosaki’s controversial argument that owning a house is a financial liability, not an asset, because paying for and maintaining it is a drain on finances, while Chapter 4 delves into the history of taxes and the power of corporations. He says that having financial literacy means a broad understanding of accounting and investing and knowing the markets and the law.

Each chapter ends with a “Study Session,” which reviews the material and poses questions. Rich Dad spent nearly seven years on the New York Times bestseller list, one of the first self-published books to land there. “It [offers] useful information for a generation on the brink of making important financial decisions,” says Eric Estevez, a member of Investopedia’s Financial Review Board and an independent insurance broker. “Robert has a track record of breaking down complex financial concepts into simple explanations.” 

Best Cryptocurrency Reference: The Basics of Bitcoins and Blockchains

You can judge this book by its cover because it delivers on its title, resulting in a comprehensive, lively must-have reference book on cryptocurrencies. Antony Lewis, a former technologist at Credit Suisse in Singapore and London, left banking to join the startup iBit, where clients buy and sell Bitcoins, and has never looked back.

His nine-chapter book starts with defining money—followed by definitions of digital money, cryptography, cryptocurrencies, digital tokens, and blockchains—and illustrates points with pictures, graphs, tables, pie charts, and infographics. He suggests, for example, that Bitcoin be called an “electronic asset” because “the word currency often sidetracks people when they are trying to understand Bitcoin. They get caught up trying to understand aspects of conventional currencies which do not apply to Bitcoin, which backs it (nothing) and who sets the interest rates (there is none)."

Investopedia’s Vinamrata Chaturvedi, senior editor overseeing blockchain and cryptocurrency, says this about the book: “There are many questions we have when thinking about blockchain. This book answers all of them. It explains how blockchain technology works and why cryptocurrencies are the future of money.”

Lewis freely admits that he “loves the industry” of crypto assets, Bitcoins, and blockchains, yet he also cautions about the very real dangers to investors. In a section called “Scams,” he lays out the swindles of Ponzi schemes, exit and fake scams, Pump & Dumps, scam initial coin offerings (ICOs), spoof ICOs, scam mining schemes, and fake (digital) wallets. “People have made and lost fortunes trading cryptocurrencies and investing in ICOs, but there are many risks,” he writes. “If you do decide to get involved, be careful and do a lot of research before committing your money.”

Best for Investing: A Random Walk Down Wall Street

Burton G. Malkiel is an economics professor, a former director at Vanguard, and a former dean of the Yale School of Management, yet his most recognizable contribution to finance is his Random Walk book, originally published in 1973 and, as of 2019, in its twelfth edition. If you wait for Jan. 3, 2023, you can get the 50th anniversary edition in a green, not yellow, cover, the one pictured above.

“A random walk is one in which future steps or directions cannot be predicted on the basis of past history,” writes Malkiel. “When the term is applied to the stock market, it means that short-run changes in stock prices are unpredictable.” Sound familiar?

Amy Drury, a member of Investopedia’s Financial Review Board, and CEO and founder of the financial-training company OnPoint Learning, who recommended the book, had this to say, “I re-read this recently and found that it was a pretty comprehensive overview about finance and investing. It is very dense, so maybe not one to take to the beach, but it is great as a reference book to dip into on specific topics.”

Best Personal Finance Disaster Management: What to Do With Your Money When Crisis Hits

There are two ways to read Michelle Singletary’s personal finance book, and both are right: You can tackle it from start to finish or dive into the Topics that are the most pressing first and then read the rest. In her Survival Guide—an outgrowth of her nationally syndicated personal finance column, “The Color of Money,” for The Washington Post—Singletary covers how to manage money and deal with crises, using a question-and-answer format, which delivers authoritative, straightforward, and actionable answers.

When money is tight, Singletary advises triaging: assessing what must be paid for, such as having food on the table, and dealing with remaining creditors directly by working out payment plans. What’s especially impressive about her book is that it serves a wide range of readers—those who enjoy hefty incomes and live beyond their means, rank newcomers to financial self-care, and everyone in between.

Its “Resources” chapter lists organizations, companies, and government agencies that offer information and, as needed, possible relief for the consumer. “Very timely, relevant, practical and helpful” is how Marguerita M. Cheng, CEO of Blue Ocean Global Wealth, describes the book.

Best Global Perspective: The Silk Roads: A New History of the World

To the uninitiated, the words "silk roads" may conjure up the deep beauty of shimmering silk fabric in exotic locales. The reality is quite different. In his 2015 book, Oxford University global history professor Peter Frankopan weaves a complex tale across centuries about fearless merchants, middlemen, soldiers, and leaders—many of whom traveled on life-challenging passages across treacherous terrain throughout the Middle East, China, the Balkans, and South Asia with the added provocations of unpredictable weather and peoples, crime and life-threatening disease, and even the proselytizing by clergy of religions old and brand-new, which led to deadly power grabs and wars.

So valued was silk that it became an international currency, when others, such as grain, failed. Through the centuries, new cities sprouted and others faltered. The simple purpose, of course, was commerce.

The Silk Roads refocuses our attention on a region that has always and will always play a critical (and defining) role in the global economy,” says David M. Roth, CEO of the Wakaya Group, a former director of FIJI Water in Fiji, and an entrepreneur-in-residence at INSEAD. “Frankopan also helps us contextualize and make sense of current events within the long arc of human history. To paraphrase [Democratic political operative] James Carville, it is and always has been about the economy.” A follow-up from Frankopan is The New Silk Roads: The New Asia and the Remaking of the World Order (Vintage, 2018). 

Best on the Dangers of the Gender Data Gap: Invisible Women: Exposing Data Bias in a World Designed by Men

In this absorbing book—named 2019’s Financial Times and McKinsey Business Book of the Year and a London Times bestseller, British journalist and activist Caroline Criado Perez spells out how the data gender gap accounts for disadvantages for women worldwide, costing companies and governments plenty in missed opportunities and productivity. It shows how this bias can yield an unhappy workforce and populace, and result in unnecessary illnesses, and even deaths, among women.

“The stories we tell ourselves are marked—disfigured—by a female-shaped ‘absent’ presence,” writes Criado Perez, who draws on numerous research studies. “This is the gender data gap.” Practically speaking, that means that medical studies—which often include miners and construction workers, mostly male, and leave out cleaning staff and nail-salon workers, mostly female—still largely focus on men as the default, leaving doctors to estimate drug dosages and treatments for women. In addition, car-safety systems are designed for the larger male body, causing additional injuries for female drivers in the event of an accident. The same is true of personal protective equipment, which leaves female police officers, for example, unprotected on duty as bulletproof vests often don’t fit them.

Even transportation systems are geared to the male breadwinner driving a car. Meanwhile, women, due to the care of children and the elderly and grocery shopping, are left to rely on a usually time-consuming and inefficient public transportation, and to walk. One success story was a change in the order of snow-clearing practices in the Swedish town Karlskoga. The governing body decided to clear snow from sidewalks before roadways. That’s because pedestrians, two-thirds of whom were women, sustained injuries, mostly through falls, three times more often in the winter. The estimated cost of all these falls in a single winter season was some $4 million.

Criado Perez maintains that using the male default isn’t intentional, but ingrained. However, the next time you see a female colleague wrapped in a blanket in the office, while male workers are simply wearing their regular clothes, know that the data gender gap is partly to blame.

Best Biography: The Snowball: Warren Buffet and the Business of Life

Berkshire Hathaway chairman and CEO Warren Buffett, the so-called “Oracle of Omaha,” has had volumes in many languages written about him. Yet his personal life from the earliest days and beyond remained a mystery until Alice Schroeder penned this eloquent biography at Buffett’s invitation. “Whenever my version is different from somebody else’s, Alice, use the less flattering version,” Buffett advised Schroeder.

This New York Times bestseller traces Buffett’s French Huguenot and German heritage, whose family motto was likely “spend less than you make,” with the addendum of “don’t go into debt.” She goes from his birth 10 months after the 1929 Crash to his unconventional marriage and fatherhood, to his many deals and the circus-like atmosphere surrounding Berkshire Hathaway’s popular shareholders meetings. Buffett credits his success with “intelligent parents'' and having “luck.” Yet the numbers-loving Buffett had, by age 10, figured out that having money meant coveted independence, the basics of buying and selling stocks, and how equity’s volatility can impact an investor. His metaphor for compounding is a snowball in wet snow that gathers strength and heft as it rolls down the hill. Still working 81 years later, Buffett is one of the world’s richest men with an estimated net worth of $99.7 billion.

Best Origin Story: Trillions

“Over the past decade, 80 cents of every dollar that has gone into the U.S. investment industry has ended up at Vanguard, State Street, and BlackRock,” writes Robin Wigglesworth, editor of the Financial Times’ Alphaville, a news and commentary service for financial professionals. Wigglesworth’s compelling book tracks the beginning of index funds to the current day and ponders what their dominance means.

Wigglesworth begins by introducing a cast of 32 characters, among them, only two women— Jeanne Sinquefield, who designed derivatives, and former Barclays Global Investors CEO Pattie Dunn. Other key players: “early-twentieth-century French mathematician Louis Bachelier, whose work on the ‘random walk’ of stocks would make him the intellectual godfather of passive investing;” Berkshire Hathaway Chairman and CEO Warren Buffett, who won a 10-year-old bet with Ted Seides of Protege Partners in 2017 that the returns of index funds would outstrip those of a basket of hedge funds; and Jack Bogle, the founder of Vanguard, often called “Saint Jack” because his company offered index funds to the public en masse. At the end of his life, Bogle questioned the value of index funds, but defended them, too. “It’s hard to know how big we can get, and the consequences….,” he said. “But to solve this, we should not destroy the greatest invention in the history of finance.”

Best for Decision-Making Skills: Thinking, Fast and Slow

Daniel Kahneman is a psychologist by training. However, his work on prospect theory earned him a Nobel Prize in Economics in 2002, an award he acknowledges he would have shared with collaborator Amos Twersky, had Twersky lived, and with whom he also explored heuristics in judgment and decision-making. Prospect theory means that investors value gains and losses differently, placing more weight on perceived gains than perceived losses.

His research also led him to conclude that women make better investors than men because they hold on to their investments, whereas men panic and sell when the market dips, thereby missing out on upswings. Kahneman estimates that the average person makes 35,000 decisions a day—the fast kind, such as when to get up, what to eat for breakfast, what to wear, and the slow kind, that involve deliberative thinking, such as whether and whom to marry, which career to pursue, or where to live.

This data-heavy book, thoughtful and cerebral, is also full of anecdotes about Kahneman’s life of research and experiences. In 2016, Michael Lewis published The Undoing Project: A Friendship That Changed Our Minds, on the close partnership of Kahneman and Twersky.  

Best Read on Scoundrels and Saviors: The Predators' Ball

Today’s younger readers may only know Michael Milken as an advocate for prostate-cancer research and the founder of the Milken Institute, a think tank that promotes market-based principles and everything from financial innovations to social issues. When New Yorker writer Connie Bruck’s gripping book was published, life was very different for Milken. He was fighting off federal charges of securities and tax violations. He had been the junk bond king who underwrote some of the biggest corporate raiders, such as Ronald Perelman and Carl Icahn, during the height of junk bonds’ popularity and the leveraged buyout boom. So concerned was Milken about Bruck’s reporting, that he offered to pay her for all the book’s copies sold in exchange for not publishing it. He was right to be scared.

The book chronicles how Milken built the junk-bond market and supported the corporate-raider culture, while working 18-hour days from his Southern California office, as well as his precipitous fall leading to a plea deal in 1990. In addition to Milken, the characters include Apollo Management’s Leon Black, KKR & Co.’s Henry Kravis, Loews Corporation’s Laurence Tisch, stock trader Ivan Boesky, and Rudy Giuliani, then the crusading United States Attorney for the Southern District of New York. Former President Donald J. Trump granted Milken a full pardon in 2020. A meticulous retelling of the era that spawned the sentiment “greed is good.”

Best for Dealmakers: Getting to Yes

This classic book uses the words of poet Wallace Stevens to lay out its premise: “After the final no there comes a yes and on the yes the future of the world depends.” Getting to Yes, which debuted in 1981 and has been revised since, is the finest book on how to advocate for what you want with skill, integrity, and success.

It offers tips on developing a cordial relationship with the other side, that is, being a person not the entity you represent—while avoiding the trap of being “nice” and getting walked all over, and deflecting and moving beyond the aggressive tactics of unscrupulous negotiators. Most helpful are examples of simple dealings in which the parameters of what’s at stake are expanded, the pie gets bigger, so to speak, so that both parties end up with more than they first asked for.

Underneath these outcomes are four steps: separating people from the problem; focusing on interests, not positions; inventing multiple options representing multiple gains for both sides; and insisting that the results be based on an objective standard.

Why Trust Investopedia?

Michelle Lodge is steeped in the book and book-reviewing world. She has been published in Publishers Weekly and was an editor and writer for Library Journal, both of which cover books and the industry. While a book-review editor at LJ, which recommends books for public library collections, she selected a number of fine business books for review. She was also the editor of the On Wall Street Book Club, in which she reviewed books and interviewed authors on a podcast.

A burgeoning field of business and economics books needs many “heads” to cull out notable selections and pull it all together. Lodge marshaled the resources, in which she considered recommendations from Investopedia Financial Review Board members and Investopedia editors, business executives, bestseller lists from the Financial Times, The New York Times, The [London] Times, and others, as well as her own experience as a book-review editor. She also pulled three books from her own library—Getting to Yes, The Predators’ Ball, and Thinking, Fast and Slow. Her aim is to cover the bases in subject matter and expertise and tap into a diverse pool of writers, whose coverage reveals the impact on investing, while also ensuring that each selection is a good read.

Thu, 09 Nov 2017 01:40:00 -0600 en text/html https://www.investopedia.com/best-finance-books-5093331
Killexams : Manukau Institute of Technology Avoids Costly and Unnecessary Oracle Upgrade by Leveraging Rimini Street Support

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Leading New Zealand vocational educator avoids forced upgrades to stay fully supported while gaining the flexibility to develop its future IT roadmap

LAS VEGAS — Rimini Street, Inc. (Nasdaq: RMNI), a global provider of enterprise software products and services, the leading third-party support provider for Oracle and SAP software products, and a Salesforce partner, today announced that Manukau Institute of Technology Limited (MIT) has switched to Rimini Street for support of its Oracle applications . MIT’s switch to Rimini Street enables MIT to continue using its current, stable and valuable Oracle software for five, ten, fifteen or more years into the future without any required upgrades – while receiving more responsive and robust support.

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“Our goal is to ensure our clients’ support needs are met, whatever they may be. Many organizations are pushed into costly, unnecessary and disruptive upgrades by enterprise software companies, because they don’t know about Rimini Street’s proven support programs that do not require upgrades or migrations,” said Daniel Benad, group vice president and regional general manager, Oceania, Rimini Street. “MIT proves that you can avoid both upgrades and disruptions by turning to Rimini Street support and gaining years of application and technology roadmap flexibility.”

Support Needed to Maintain IT Roadmap Flexibility

MIT hosts 11,000 students on five campuses and provides technical, vocational and professional training education on subjects including hairdressing, automotive, engineering, and digital technologies. The nursing school provides a unique opportunity for Māori and Pacific students to study cultural health care practices and learnings to best support their communities.

MIT runs several Oracle applications critical to the Institute, including finance, student management and data warehousing. However, the vendors providing MIT’s student management and finance services decided to move away from Oracle support, as each application had been earmarked by the vendor with end-of-life dates where full support would cease in 2023. The institution would have faced costly upgrades to the latest versions in order to remain fully supported by the software vendor.

“We were in a bind. We knew the software vendor’s support for each Oracle application would cease next year, but we wanted to continue using our current applications,” said Gerald Masters, Head of Technology, MIT. “Our current Oracle version was stable, and there was no reason for us to move off it other than Oracle saying ‘we had to’.”

The institute needed to find a way to enable it to continue to use its current software and obtain mission-critical support, while also providing it with the sufficient time needed to identify and implement its next-generation of finance and student management systems.

“Rimini Street stepped up with a unique value proposition and service solution. They could keep us on our current version, which meant we could avoid upgrading to a new Oracle version, at great expense, that we didn’t want or need,” said Masters. “Rimini Street will provide support for our existing system while giving us the flexibility to decide our next steps in our IT roadmap without pressure. This was a key reason why we made the shift as it really helps us out of a tough situation with a great solution.”

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Award-Winning Comprehensive Support

Each Rimini Street client benefits from the Company’s flexible, premium-level enterprise software support model, including its industry-leading Service Level Agreement of 10-minute response times for all critical Priority 1 cases. All clients are also assigned a Primary Support Engineer with an average of 20 years’ experience in enterprise software and backed by a team of functional and technical engineers. Furthermore, Rimini Street ensured a well-controlled transition with upfront information, a dedicated project manager, and continual updates on progress.

“Rimini Street support allowed us to get on with business as usual,” said Masters. “We’re undergoing an institution-wide transition and working to a deadline. Waiting for a patch or an update that takes systems offline for days at a time would have really hindered our other internal efforts, so having Rimini Street support there ensures our mission-critical systems are online and working smoothly, so we’re pleased to know Rimini Street has us covered.”

About Rimini Street, Inc.

Rimini Street, Inc. (Nasdaq: RMNI) is a global provider of enterprise software products and services, the leading third-party support provider for Oracle and SAP software products and a Salesforce partner. The Company offers premium, ultra-responsive and integrated application management and support services that enable enterprise software licensees to save significant costs, free up resources for innovation and achieve better business outcomes. To date, nearly 4,700 Fortune 500, Fortune Global 100, midmarket, public sector and other organizations from a broad range of industries have relied on Rimini Street as their trusted application enterprise software products and services provider. To learn more, please visit http://www.riministreet.com, follow @riministreet on Twitter and find Rimini Street on Facebook and LinkedIn. (IR-RMNI)

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Certain statements included in this communication are not historical facts but are forward-looking statements for purposes of the safe harbor provisions under The Private Securities Litigation Reform Act of 1995. Forward-looking statements generally are accompanied by words such as “may,” “should,” “would,” “plan,” “intend,” “anticipate,” “believe,” “estimate,” “predict,” “potential,” “seem,” “seek,” “continue,” “future,” “will,” “expect,” “outlook” or other similar words, phrases or expressions. These forward-looking statements include, but are not limited to, statements regarding our expectations of future events, future opportunities, global expansion and other growth initiatives and our investments in such initiatives. These statements are based on various assumptions and on the current expectations of management and are not predictions of real performance, nor are these statements of historical facts. These statements are subject to a number of risks and uncertainties regarding Rimini Street’s business, and real results may differ materially. These risks and uncertainties include, but are not limited to, the amount and timing of repurchases, if any, under our stock repurchase program and our ability to enhance stockholder value through such program; the impact of our credit facility’s ongoing debt service obligations and financial and operational covenants on our business and related interest rate risk, including uncertainty from the discontinuance of LIBOR and transition to any other interest rate benchmarks; the duration of and operational and financial impacts on our business of the COVID-19 pandemic and related economic impact, as well as the actions taken by governmental authorities, clients or others in response to the continuance of the pandemic; catastrophic events that disrupt our business or that of our current and prospective clients, including terrorism and geopolitical actions specific to an international region; changes in the business environment in which Rimini Street operates, including inflation and interest rates, and general financial, economic, regulatory and political conditions affecting the industry in which Rimini Street operates; adverse developments in pending litigation or any new litigation; our need and ability to raise additional equity or debt financing on favorable terms and our ability to generate cash flows from operations to help fund increased investment in our growth initiatives; the sufficiency of our cash and cash equivalents to meet our liquidity requirements, including under our credit facility; our ability to maintain an effective system of internal control over financial reporting and our ability to remediate any identified material weaknesses in our internal controls; changes in laws and regulations, including changes in tax laws or unfavorable outcomes of tax positions we take, or a failure by us to establish adequate reserves for tax events; competitive product and pricing activity; challenges of managing growth profitably; the customer adoption of our recently introduced products and services, including our Application Management Services (AMS) offerings, in addition to other products and services we expect to introduce in the future; the loss of one or more members of Rimini Street’s management team; our ability to attract and retain qualified personnel; uncertainty as to the long-term value of Rimini Street’s equity securities; the effects of seasonal trends on our results of operations, including the contract renewal cycles for vendor supplied software support and managed services; our ability to prevent unauthorized access to our information technology systems and other cybersecurity threats, protect the confidential information of our employees and clients and comply with privacy and data protection regulations; and those discussed under the headings “Risk Factors” and “Cautionary Note About Forward-Looking Statements” in Rimini Street’s Quarterly Report on Form 10-Q filed on May 4, 2022, and as updated from time to time by Rimini Street’s future Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and other filings by Rimini Street with the Securities and Exchange Commission. In addition, forward-looking statements provide Rimini Street’s expectations, plans or forecasts of future events and views as of the date of this communication. Rimini Street anticipates that subsequent events and developments will cause Rimini Street’s assessments to change. However, while Rimini Street may elect to update these forward-looking statements at some point in the future, Rimini Street specifically disclaims any obligation to do so, except as required by law. These forward-looking statements should not be relied upon as representing Rimini Street’s assessments as of any date subsequent to the date of this communication.

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© 2022 Rimini Street, Inc. All rights reserved. “Rimini Street” is a registered trademark of Rimini Street, Inc. in the United States and other countries, and Rimini Street, the Rimini Street logo, and combinations thereof, and other marks marked by TM are trademarks of Rimini Street, Inc. All other trademarks remain the property of their respective owners, and unless otherwise specified, Rimini Street claims no affiliation, endorsement, or association with any such trademark holder or other companies referenced herein.

View source version on businesswire.com: https://www.businesswire.com/news/home/20220720005671/en/



Meredith Payette
Rimini Street, Inc.
+1 (312) 515-4756


Tue, 19 Jul 2022 12:00:00 -0500 en-CA text/html https://financialpost.com/pmn/press-releases-pmn/business-wire-news-releases-pmn/manukau-institute-of-technology-avoids-costly-and-unnecessary-oracle-upgrade-by-leveraging-rimini-street-support
Killexams : Financing Your Future: Budgeting & Saving

On this episode of 'Financing Your Future', Yahoo Finance’s Rachelle Akuffo is joined by Echo Wealth Management Founder, Echo Huang, and AARP Public Policy Institute Senior Advisor, David John, as they discuss how to budget and save in today's economy. Rachelle also sits down with Yahoo Finance Senior Columnist Kerry Hannon and Yahoo Finance Personal Finance Editor Janna Herron as they share their tips for budgeting and saving.

Video Transcript


RACHELLE AKUFFO: Welcome, everyone, to Yahoo Finance's "Financing Your Future," where we're going to explore new and traditional ways to help you reach your financial goals. I'm Rachelle Akuffo. And today, we'll explain how you can budget, save, and understand your finances when inflation is affecting your ability to do things like eat, pay bills, invest, or even plan your next career move.

Now, our expert panel is here with me. David John, AARP Public Policy Institute Senior Advisor, along with Echo Huang, Certified Financial Planner, Echo Wealth Management founder, and author of the book "Own Your Own Future." So a big welcome to you both.

Echo, I'm going to kick things off with you. There does seem to be this level of anxiety and avoidance when it comes to talking about money, talking about your finances. What would you tell people who want to get a clear picture of their finances, but they don't know where to start?

ECHO HUANG: Well, thank you for having me on the show. And I feel like the best start is try to define their goals in terms of long-term, short-term, and intermediate-term, and also understand their own net worth situation and cash flow. So I think a lot of people don't know where to start.

I would say start simply by developing a simple cash flow plan for themselves, including budgeting and tracking expenses. So at least have a good idea for the next five years what it looks like in terms of cash inflow and outflow. And ideally, create a monthly budget, and using some kind of apps or tools.

I use mint.com to track my monthly budget and expenses. So I think for a lot of people, if they don't know where to start, I think start looking at their current situation, and just make sure they do have emergency funds for at least six months of spending.

RACHELLE AKUFFO: And so David, for those who are perhaps either closer to retirement or already retired, what should their first steps be in getting a handle on their finances, if they're, say, looking at their bank statements and things, or wondering where the money is going?

DAVID JOHN: Oh, and that's absolutely key, is if you don't know what you're spending, you really don't know how you can work for the future. So much of what you've just heard is absolutely essential. The first thing is, find out what you're spending.

And find out also what you absolutely need. Because this is a very uncharted time for most people. We haven't really had much inflation for the last 40 years or so. So there needs to be a fair amount of flexibility.

Now, for retirement, the first thing to do, and the most important thing to do is to maximize your social security. And that means perhaps working longer. It means trying to delay, even if you have to live on savings for a little bit. Because your social security benefits go up until age 70.

And key in this time, social security benefits, unlike many other types of income, are inflation-protected. So you're not going to lose value there. So that's your foundation. And then from there, it's a matter of realistically looking at what you have and what you can accumulate between now and retirement, and start to make a plan. The plan is essential.

RACHELLE AKUFFO: And you raise an interesting point. Because a lot of people are sort of wondering, should I be working, or should I retire early? I mean, Echo, what are some of the most common mistakes that you're seeing some of these younger savers or investors making at the moment?

ECHO HUANG: Yeah, I think for a lot of people, younger or older, because of the exact market-- you know, stock market crash, I would say bond market crash, too-- people feel very fearful to invest. And they are afraid of potentially losing more money.

But I think they need to plan ahead to outpace inflation. So it is really-- I think a common mistake would be they stop investing, you know, stop putting money into their 401(k) plan to get the employer matching. Or they simply say, I just don't feel good losing money. I just want to get out and park somewhere I feel safe. When I feel good, then I go back.

But unfortunately, a lot of individual investors make that kind of mistakes. And they lose the potential return from the investments.

RACHELLE AKUFFO: What about some of the common mistakes that you're seeing when it comes to money management and what people are doing with their budgets and saving right now?

DAVID JOHN: Well, I mean, the key one is one you just heard about, is that people panic, or they get very uncomfortable. And if they don't stop saving whatsoever, they move into something that's supposedly safe. And the simple fact is that by doing that, you're locking in losses.

Now, the second thing, which is equally worrying, is that you go to the other extreme, that you're panic about your losses, and your brother-in-law has just heard something brilliant on the internet. And he knows that this is the way to recoup all your losses. And of course, you're only about the millionth person to read that on the internet. And frankly, any opportunity for advance is long gone. So that's part of it.

Now, there's one other thing. I mean, much of what Echo has said here sounds intimidating. And it can feel intimidating. But the key thing is to start simply.

Start right now, for instance, by just tracking what you're spending for the month, and tracking what you need to spend. And that does sound uncomfortable to people. But it is something to get you started.

And then you can start to move into the more sophisticated things that Echo just mentioned. Start simply. Don't let this scare you into saying, oh my gosh, I can't do this until X, Y, Z time finally happens.

RACHELLE AKUFFO: So with that in mind, then, how should people structure their budgets? As David was saying, a lot of-- people are saying, my brother-in-law made money doing this. People are like, oh, this is a great time to get into crypto. There's a lot of information coming at people.

Echo, how do you suggest people actually structure their budgets so they know how much-- perhaps what share they should be investing versus saving, versus putting into things for the long term?

ECHO HUANG: Yeah, of course. For my clients, we go in a lot more detail to just understand their current lifestyle and help them define the budget for what they need, and then review versus what they want. And of course, we also need to focus on the savings in order to invest for the long term.

But I think for a lot of average Americans, if they don't have trusted financial advisor, they can consider finding someone they can trust to help them. But even if they don't have financial advisor, I would say for simplicity, if they can just budget 50% of their income, take-home income for what they have to have, that's what they need. And then about 30% is what they want.

And the other 20%, I would say go with savings and invest. That 20% is really crucial not to reduce during tough times. What you can do is adjusting down by what you want. Because what you need has gone up because of inflation, like gas and food.

But general guideline, I would say people try to get to 20% of savings, first towards emergency funds. Then they can use part of it for, for example, 401(k) contribution or Roth IRA. And of course, some people need to deal with student loan payment as well.

So for simplicity, have some kind of target. Use two Excel spreadsheet or app to help you. And my tip for that is, cut out what I consider unnecessary subscriptions. Sometimes we don't remember what we have, like gym memberships and newspaper, or-- something you don't use regularly should be all reviewed and canceled.

And because unemployment rate is relatively low, I think right now at 3.6%, I suggest people take on a either part-time job or start a side hustle to increase their income so that they can continue saving while the necessary expenses have gone up because of inflation.

RACHELLE AKUFFO: Those subscriptions will really get you. Because I use Truebill, which basically lets you lay out all the subscriptions that you have. And you're like, sometimes you don't realize how much you're spending on things like that cup of Starbucks. That can really add up. And you're going to have to sort of balance that with putting gas in your car.

So David, what about for you? In terms of people who are perhaps on a fixed income, and you have high inflation, new budget constraints coming in, how should they structure their budgets?

DAVID JOHN: Oh, well, this is where you start to get into some really tough times. Because if you're on a fixed income, you really don't have the flexibility that you may have had when you were working full-time. And frankly, at that point, there are a couple of things.

Number one is, as I already mentioned, trying to maximize your social security. But if you've already retired, you've probably already dealt with that. Number two, however, is you've got to have that budget to understand what you're spending, and as the cost of food or something like that goes up, where you can cut back so that you're at least making your essentials at that point.

And number three here is actually, it may well be that this is the time, as Echo mentioned, that you want to go back to work, whether that's a part-time job, whether that's starting something that you can sell, that you can make and sell or whatever. And we are finding that the whole definition of retirement is changing. So many more people are now much more interested in that than the hypothetical thing of sitting on the golf course all day or something along that line.

But if you're on a fixed budget and your costs go up, inevitably, either you're going to have to have more money coming in or you're going to have to cut back. Unfortunately, there's no magic bullet here.

RACHELLE AKUFFO: And I want to ask you about people's homes. That used to be sort of where people would really have their wealth. But you're seeing obviously, rents are sky-high. They've reached a 36-year high in June, along with low inventory. People aren't sure what to do in terms of should I buy a house? I can't afford my rent.

What should people do if they're in that position? What sort of options do they have?

ECHO HUANG: Well, each person's situation is different, so it depends. But I think it's really important for people to have safety first before they go into invest in real estate right now. Because of course, prices have gone up so much.

So in my mind, I think they do need to analyze and say, hey, maybe renting-- yes, the renting is increasing, too. But at the same time, for people who do not have the safety net, and they make the wrong decision in terms of buying a home that they cannot afford, that could totally destroy their retirement plan. So I would definitely say each situation needs to be analyzed and to look at can you afford this home, especially with the interest rate that has gone up [? year ?] [? to date, ?] right?

So a lot of people actually cannot afford the home that maybe they could have afford last year. So I would say each person's cash flow needs to be really analyzed, especially for single income, like single parent, because they don't have another spouse earned income to fall back on. So I would say it is challenging right now. But at the same time, I don't want people to jump in there simply because they want to be a homeowner.

RACHELLE AKUFFO: We're running out of time here, but I do want to obviously get that final tip. In terms of the best ways to try and recession-proof or inflation-proof your investments and your finances right now, Echo, what would your top tip be?

ECHO HUANG: Top tip is have an emergency fund and invest for the long term. And do not try to time the stock market. Because the time in the stock market is more important than timing of the stock market.

RACHELLE AKUFFO: And David, what about you?

DAVID JOHN: Oh, for me, it would be that-- take your immediately needed funds, and you put that into something very safe like a bank CD or something like that, knowing that they're exposed to inflation. But for beyond that, keep your investing simple. And keep it in something that is low cost-- an index fund, or something along that line.

And also, continuously reexamine, even if that's uncomfortable to do. Because the circumstances are changing very rapidly. And what you may have had that was completely appropriate a few weeks ago may not be appropriate now.

RACHELLE AKUFFO: And there you have it-- some fantastic advice there. I do appreciate you both joining us today. Echo Huang there and David John, thank you for joining us on Yahoo Finance.


Welcome back to Yahoo Finance's "Financing Your Future." Now, we're continuing our conversation on saving and budgeting in order to meet your financial goals. So let's break this down with our Yahoo Finance panel. We have our Personal Finance Content Editor, Janna Herron, and Yahoo Finance's Senior Columnist Kerry Hannon joining me now. So a big welcome to both of you.

And Kerry, obviously something that we've seen, people's eyes tend to glaze over when you talk about things like budgets. It's like telling people to diet and exercise. They know they need to do it, but they're very reluctant to do it.

So how do you typically get people to at least get engaged and excited about trying to wrap their heads around their budget?

KERRY HANNON: Yeah, you are so correct. It is really the one thing everyone dreads to do. So I encourage people to think about savings as freedom. Think of savings as things that-- dreams that you have.

So one easy way is just start-- put some pictures around of things that you want to save for. Maybe it's a great trip, or maybe it's a place you want to live one day. But supply yourself an image of why you are saving, so it's not just drudgery.

And then the second thing is start tracking it. Keep a little notebook, and walk around and say, how am I spending my money every day? It sounds like a silly exercise, but truthfully, you'll astound yourself at what you spend money on. And then you can look at those fixed items that-- your utilities, your rent, your mortgage, those things that aren't going to go away. But that will supply you a sense of what your financial picture is right now.

RACHELLE AKUFFO: And so Kerry, obviously, it could be sort of a big jumble of short-term goals, long-term goals when you're trying to consider what you want to save for. What questions should you ask yourself when you're trying to figure out the short-term goals versus the long-term goals? Or is it better to have sort of one big goal, and then sort of go backwards, and then figure out how to get there?

KERRY HANNON: Yeah, I like starting off with that long-term one. That's that big, audacious one that you're kind of going, like, OK, this is way down the road. But start there, and then you can pull back and say, all right, this is something I can do in the short-term.

And you get that immediate sort of shorter-term gratification of saving and meeting your goal, whether it's for going for a trip, or buying something that is meaningful to you to have in your home. Maybe it's just getting new furniture or something, but a smaller goal that will feed that sort of urge. But you see the result of taking a little time to save.

But the most important thing, really, and we can get into this a little more, but for people who are starting to save, you still say, like, I can't possibly do that. I'm barely getting through my paycheck that I have right now. And the key to any kind of savings program for me, and I think for most people out there, is if you can automate it in some way, even if it's just taking $100 out of every paycheck and having it automatically put in a savings account or a money market account, something that you can-- you don't even see it, and it's gone, right? It's saved for you. So it kind of takes that extra step away and just somehow makes the process a little more palatable.

RACHELLE AKUFFO: And Janna, what's your take on that? Obviously, a lot of people sometimes-- perhaps if you're coming from a place where you're already-- money's a little bit tight, you might be tempted, once it's automated, to sort of reach back into it. What's a good way to approach this, whether it's with getting into investing or getting into savings, so that you don't just keep reaching back in and taking out of your savings?

JANNA HERRON: I think, going back to what Kerry said about having those pictures of what your long-term goals are so you can really think twice-- like, I'm taking money to use for this now. But what am I actually-- I'm robbing myself from this beautiful vacation I want to take, this retirement I want to have, this house that I want to buy. And so it's always good to-- before you want to dip into something and buy something on impulse, is really to start thinking, is it really worth this amount of money? Is it really worth putting myself behind on those other, bigger goals that really-- they're dreams, right? So you're kind of taking away from your dreams for your life. So I think that's one way to really think about it.

KERRY HANNON: I was just thinking, as Janna was talking, it's really important if you're in a relationship, couples, to be transparent so that you're both on the same page about this savings business. Because if you're meeting goals as a family, as a couple, you really need to be transparent about your different goals, and your dreams, and how much you actually are saving or have to save. And I think with couples, this can be a little tricky.

So I try to, like, have a money date with my husband. And I know that sounds like a terrible idea. But it actually-- I get a stomach ache. But when I do it, it's good because now we realize, OK, this is what we're saving for this month.

Or these are the big ticket items that are coming up. We've got a wedding we have to go to. And we're going to have to travel. And we have to buy a present, or things like that.

So on the short term, you keep track of how you're spending things. But having these money dates can be really important.

RACHELLE AKUFFO: Janna, I wanted to ask you, because a lot of people are wondering, look, money is tight. Do I need to take on a credit card? Should I start looking at some loan options? Do I dip into my savings or maybe even my 401(k)? So Janna, I want to start with you. But Kerry, I also want you to weigh in on this.

JANNA HERRON: Yeah, I think a lot of people are panic about inflation. It's eating into their budgets right now. Gosh, the cost of the avocado right now is so much higher than it used to be. But anyway, yeah, there's some things that you really should do.

First of all, I would try to avoid credit card debt. If you have it, try to pay it off. And don't lean on it for your necessities. And that's because those rates are going to go up.

The federal reserve keeps saying it's going to hike its short-term rate. And what that's going to do is immediately going to affect your interest rate on your credit card. So you're not only going to be paying more because of inflation, if you're not paying off that credit card, you're also going to be paying more because of that interest rate. So it's even more expensive.

I also think if you have an emergency savings, this is the time to look and see if you need to dip into that. If you're really facing a problem, like you lost a job, something like that, really, you should turn to a nonprofit credit counselor to really help you navigate that setback. They can help you negotiate with your lenders to get payments either paused, get hardship programs, to get an interest rate that's lower. So I think you really need to be proactive.

I know it's really scary. Nobody's happy if you lose a job. But you really have to not ignore it and just face-- face the financial consequences of it.

KERRY HANNON: Yeah, I think the point that Janna made, too, right there about having an emergency fund, when we were talking about getting started with your savings, that's kind of the first place you should do, is set some of this aside for emergencies. Because you don't know, you could lose a job. And that's a big loss.

But then again, there could be something like, you know, I have a dog. And let me tell you, if your dog has to go to the emergency clinic for something, you're talking a big ticket item. And that's not something that it's readily available. And they're not going to take care of your dog unless you can pay that bill.

So I think emergency funds, these unexpected costs that come-- your car breaks, something like that. So start-- when you're doing the savings program for yourself, think first about that emergency fund. And it doesn't have to be huge. But just if you can start setting that aside-- because that's money that you can tap into without repercussions like you would a retirement account, where you will have some penalties for early withdrawals and that kind of thing.

RACHELLE AKUFFO: And before we go, Kerry, I just want to ask-- this is for both of you, but Kerry, I want to start with you-- if all you have is basically a pen, a paper, a cell phone, and an internet connection, what are the sort of resources that will help you get started and then stay on track if you're trying to get your budget, your investment, your savings off the ground, and really try and develop some good, consistent habits?

KERRY HANNON: Yeah, there are some websites out there that are useful to look at. Mint.com is one. Or I think it's-- You Need A Budget is another. And "Friends Talk Money" is a great podcast you can listen to.

There are wonderful books out there on this topic, some that I like. I like the idea of even having a money circle with some of your trusted funds, where you can talk about money issues together. It's a safe place. It doesn't have to be a big group-- but where you can help each other out and keep each other accountable if you're starting a savings program, and say, so did you do that? Or did you--

And even when we're talking about-- when we have retirement plans through our employers, if you start at a very-- you think, I can't possibly set money aside in there-- if you automate that right there, you start with maybe 5% of your salary, your gross salary, and then inch it up-- because most employers, not most, but many have this escalation where you can ramp it up to 10%, and maybe ultimately 15%, which would be amazingly great. But those are the things to keep in mind.

But there are resources out there, more than there ever were before. So I really encourage people to be proactive about that. But I like the idea of what you said, pencil and paper, is keep that money diary.

I love the idea of just writing down-- and even at night, writing some of your dreams and what you really would like to have money to do. And that will inspire you and motivate you to continue to stay to your course.

RACHELLE AKUFFO: If you just had the basics, paper, a pen, and your phone, and your internet, what would you recommend?

JANNA HERRON: I really like an Excel spreadsheet. I know that's a little old-school. But that's how we still, in my household, keep track of our expenses, have our net worth written down. And so again, that's a great way to start tracking.

But I do think Mint-- I think a lot of the banks' apps are really good. You can do a lot of different things in there to track your spending, to see where your money goes. So I think those are-- that's where I would start.

And then there's tons of good information out there. Just make sure that you are going to a trusted site. Obviously, we here at Yahoo Finance, we feel like we supply some really good advice. But also places like AARP, for example, really good place to find some good financial advice.

RACHELLE AKUFFO: All right, well, I can't thank you enough. Obviously, a lot of really great advice there, no matter where you are in your savings journey. A big thank you there to Personal Finance Content Editor Janna Herron and Yahoo Finance's Senior Columnist Kerry Hannon. Thank you both so much.


Tue, 02 Aug 2022 08:36:00 -0500 en-US text/html https://finance.yahoo.com/video/financing-future-budgeting-saving-184056384.html
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