SHANI D asked:


Many financial planners recommend that you start your financial plan to accumulate an emergency fund that is at least $ 1000 (and then slowly accumulate until 3 months of living expenses for the rainy day fund). Do you think this is a good idea? How to change your reaction to the car repair or other unexpected costs? Do you have the discipline to put money aside each month for the future? How does your retirement planners look now - especially if you are one of the more "mature" members of the class? Many experts believe that the important parts of personal financial management involves developing a budget. Have you used a quotation in the past? Has worked well for you or not? What challenges you find in the budget process? Are you a spender or a money saver? Have you been a member of a union? Does the union served him well as its other members in negotiations and resolution of grievances? How the history of the union movement affects all workers in the U.S. today? Do you think unions are needed in businesses such as Wal-Mart (the largest private employer in the world) or the manufacture of Honda of America (located in central Ohio)? Or the people who organize unions has blown away some editions of proportion and unfair portrayed workplace issues?

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