PFEFA Inc

06/11/2024

https://youtu.be/TBRaqhD9lro?si=DFyAL3MsNJu-4XTu

Вопросы и ответы для иммигрантов кто недавно переехали в США. Темы о том как организовать бизнес, как разрешить некоторые вопросы по отношениям с другими кто...

12/15/2021

One should have good character traits, communication skills and be willing to work with people.
Let's book a short Zoom interview to discuss more details.

12/12/2021

Always be kind to anyone you meet, you don't know the battles they have to face alone behind the confident and strong facade they show. They could be someone who needs a hug, a smile, or words of encouragement to keep them going.

Be different. Criticize if necessary and praise if someone did a good job. Congratulate him or her and celebrate his or her small victories. It might be not much but it will leave a beautiful memory to that person.

What you do for others, will get back to you. If you spread happiness and good vibes, your life for sure will be filled with the good things you deserved.

Be an ENCOURAGER to this world full of critics. Be the CHANGE. 💪

12/09/2021

Achieve your goals at your own pace. Gradually and surely. Be specific and set action plans accordingly.

Sometimes we do write goals that are so grand when performing the task to achieve it, it becomes too far-fetched or too much to handle and accomplish. We tend to be demotivated and overwhelmed by the process and resort to giving up on that goal because we think our efforts are not enough to realize them.

Goals are achievable if you know what you are capable of and why you are doing it. Without a purpose, it's not enough to motivate you to keep going until you reach your destination. Many of us give up and move to other goals on the list.

If you have this one big goal, try to divide it into parts, 3-4 or more maybe. Achieving each part before moving on to the next until you accomplish the whole. Dividing your goal into parts or stages leads you to be more motivated because you are progressing and leveling up towards that big goal. At every level up, always celebrate because slow progress is still progress. 💪our

12/07/2021

As we hear often to finance experts and mentors, your spending habits will define your wealth. It is true. Receiving a 6-figure paycheck doesn't even mean you are wealthy. That income will soon be divided into parts: expenses, investments, savings, etc.

Thomas Stanley said, “Wealth is not the same as income. If you make a good income each year and spend it all, you are not getting wealthier. You are just living high."

Some people live a luxury lifestyle without savings because they fund their wants first. They want to be up to the trend, to show extravagant even they know they will fall into the debt trap to sustain their lifestyle. And then there are people who receive extra bucks on top of their income (salary increase, bonus, or winnings maybe), save and invest it if a lifestyle upgrade is not necessary. Their income continues to grow so as their net worth because they keep their expenses low or the same over the years.

Wealth is equal to your assets. What you save for rainy days and for your future. It is something you could pass down to the next generations.

12/02/2021

Reward yourself with a spa day, a trip to the park with family, or an expensive dinner today. You deserve a great weekend after holding up from an eventful week and that's already a great feat!⠀
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Life is a mixture of candy and bitter days, you did an excellent job just by going thru those days each week. Be proud of your progress, be proud of yourself! ⠀

11/30/2021

SIMPLICITY IS FILTERING.

All investments carry risk and loss of capital.

Investing can be tough and complex to anyone who first encounters this word. I was once a newbie in finance and investment was a topic on the table I shyly ignore since it made my head hurt. But my husband patiently helped and taught me what investing is.

In its simplest description, there are three categories in investing: YES, NO, and TOO TOUGH TO UNDERSTAND. That's why many experts in the industry always advise investors to do their own research. Evaluate your risk tolerance, your investment time horizon, and financial goals to better fit where you're going to invest your money.

Investment decisions should be simple and something that aligns with your goals. Keeping things simple makes a huge difference. As Munger and Buffett once wrote: “Simplicity has a way of improving performance through enabling us to better understand what we are doing.”

By focusing on finding decisions and bets that are easy, avoiding what is hard, and stripping away anything that is extraneous, Munger believes that an investor can make better decisions.

11/28/2021

Leave if 💯 if you agree.

"Doing well with money has a little to do with how smart you are and a lot to do with how you behave. And behavior is hard to teach, even to really smart people. A genius who loses control of their emotions can be a financial disaster."

What you learned about pursuing wealth and good money management is nothing if you don't know your behavioral skills towards money. Whether you started with a wealthy background or a poor one, if you are a person who has an excellent money mindset and applies what you learned, financial freedom will be a smooth-sailing journey for you. If not an easy journey, at least you know how to handle obstacles and make every problem an opportunity.

11/25/2021

"The best and most beautiful things in the world cannot be seen or even touched -- they must be felt with the heart." ---- Hellen Keller

May your hearts be full of gratitude, not just today, but every day.

Thank you, everyone and Happy Thanksgiving! 😊 🍂 🍁

11/23/2021

Budgeting is an essential key to financial literacy. It is not highly advised if it's not effective in managing our money. Some find it enjoyable and easy to follow but for others, it's difficult to practice. Why? It's because of the mindset one has. If a person has been practicing financial discipline and has SMART financial goals, then he/she is happily making time to budget and manage his/her income. ⠀
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Before or the moment you receive your paycheck, take time to plan how you will allocate your income and where should they go. In that way, you can track and have peace of mind that you're money is going to the right place. Instead of spending first, especially on unnecessary and unplanned expenses, distribute it according to where you should use the money (savings, pay bills, fixed expenses, debt pay-off, investments). Then you can either save or spend the remaining amount. Always prioritize important money matters first to avoid headaches before you receive your next paycheck. ⠀
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The moment you practice budgeting by heart, the easier you see your financial and life goals realizing and rewarding yourself will be part of that. ⠀