With each passing day, Indians consume more and more than previous generations. Their aspirations, dreams and wants are often higher than their salaries. Whenever I am invited to speak to a group of employees on the basics of investing, I hear stories of excessive debt. There is a growing mismatch between income and aspirations. People… The post Unrealistic aspirations will make us poor even if we earn in Lakhs! appeared first on freefincal.

Our shadow length calculator shows real-time shadow length and direction for any object height, location, date, and time. See an interactive polar diagram with animation or a table mode, and use CSV/SVG export options for whatever it is you do where you need to predict shadows. Shadow length calculator Interactive Content Here: Visit on DQYDJ to view. Using the shadow calculator The shadow calculator detects your location (with permission) or lets you enter a city […]

My grandparents were all gone while I was still in college. Looking back, I don’t think I ever bonded with them. None of them was born here. They never shared their stories, dreams, or advice with me. Was that my fault or theirs? Fortunately, that distance I experienced is not being repeated with my grandchildren. But I’m getting ahead of myself. When we married, I explained to everyone that the word “step” did not exist […]

Moving Out of State on a Tight Budget: The Ultimate Guide So, you’ve decided to relocate to a new state, but your budget is tight. Whether you’re seeking new job opportunities, better weather, or simply…

Understanding institutional activity is key to following the “smart money”.

Are Everyday Purchases Sabotaging Your Financial Goals? When you’re working hard to achieve your financial goals, every dollar counts. From building an emergency fund to paying off debt or saving for a dream vacation, small…

When it comes to creating abundance, wise money management and a magnetic mindset are non-negotiables. But what if I told you there’s an energetic ally that can help you stay centered, grounded, and inspired while making smart, practical financial decisions? Enter: crystals. Before you roll your eyes, hear me out. Crystals aren’t a magic wand. They won’t erase debt overnight or deposit extra cash into your bank account. But they can help you align your energy, focus your intentions, and feel more empowered while taking action. If you’ve ever wondered about the best crystals for abundance, keep reading. I’m sharing my favorites, how to use them, and even my own crystal journey. (Watch this episode of the Money is Emotional podcast on YouTube!)  How Crystals Work (and Why They’re More Practical Than You Think) Albert Einstein once said, “Everything is energy.” Crystals resonate at specific energetic frequencies, which is why they’ve been used for centuries in tools and technology. Nikola Tesla (yes, THE Tesla) considered crystals to be conductors and amplifiers of energy.  He famously said: “In crystal, we have a pure evidence of the existence of a formative life principle, and though we cannot understand the life of a crystal, it is nonetheless a living being.” In fact, if you own a smartphone, watch, or even a camera, you’re already benefiting from the stable, energetic properties of crystals! Beyond technology, many people work with them to energetically support focus, intention, and emotional balance. Many ancient civilizations recognized the unique properties of crystals and incorporated them into various aspects of life, from personal adornment and healing to spiritual practices and rituals. They believed that these stones possessed powerful energies that could be harnessed for both physical and spiritual well-being. (So crystals aren’t really “new age.”) How to Use Crystals for Abundance If you’re crystal-curious but unsure where to start, here are a few simple ways to weave them into your money rituals: Hold one while reviewing your finances. Whether you’re balancing accounts or setting savings goals, crystals can help you feel grounded. Meditate with one. Visualize your financial goals while holding a crystal associated with abundance. Wear crystal jewelry. Carry their energy with you throughout the day. Keep them in key places. Place crystals on your desk, in your wallet, or near your vision board to keep your intentions front and center. Crystals don’t do the work for you. They help you stay energetically aligned while you take smart, practical financial action. My Crystal Journey: From Quiet Rebellion to Sacred Integration You might be wondering: “Christine, how did a Financial Dignity® Coach end up talking about crystals?” My crystal journey started as a teenager in quiet rebellion. I wore a hematite necklace because I sensed its grounding energy, but my strict religious upbringing frowned upon anything that seemed “woo.” Years later, after buying crystals again as an adult, I was overcome with guilt and threw them away… in the church bathroom. But something inside me was stirring. I

Image source: 123rf.com For many older couples, filing a joint tax return seems like the most logical choice. It often comes with a lower overall tax rate and simplified paperwork. However, the decision can also trigger an unpleasant surprise — certain valuable tax credits may shrink or vanish entirely. Understanding why some senior tax credits disappear once you file jointly can help you make smarter filing choices and keep more money in your pocket. Here […]