The Everything Personal Finance In Your 20s And 30s PDF Free Download

  1. The Everything Personal Finance In Your 20s And 30s PDF Free Download For Windows 7
  2. The Everything Personal Finance In Your 20s And 30s PDF Free Download For Pc

Affidavits are used to legally swear that any written statement or fact is true. You can use an affidavit for many reasons, such as to swear someone was born, to state an item was given as a gift, or as evidence in court.

Since affidavits are taken very seriously, do not sign one unless the information you are swearing to is, in fact, true.

Table of Contents

Personal Finance. Advisor Insight. The New Road to Retirement. Your Money, Your Future. Switching jobs is often a good way to boost income. Determine your current financial situation 2. Develop your financial goals 3. Identify alternative courses of action 4. Evaluate alternatives 5. Create and implement your financial action plan 6. Review and revise the financial plan It is never too early to begin planning. In fact, the earlier you begin planning for your financial future. Mar 30, 2021 Personal finance is the science of handling money. It involves all financial decisions and activities of an individual or household – the practices of earning, saving, investing and spending. Financial LiteracyInvesting For DummiesThe Everything Personal Finance in Your 20s & 30s BookLock Your Financial Success 16 Personal Finance Principles Every Investor Should Know aims to reorient the way in which people perceive money management. With the help of simple stories and parables, it changes your perception of money management from a. Investing, Investing in Your 20s and 30s For Dummies gives you the confidence you need to establish a smart investment strategy. Grab your copy today. The Everything Guide to Investing in Your 20s & 30s-Joe Duarte 2019-05-07 All you need to know about investing safely and smartly, with new information on the latest options—from.

  1. Affidavits Explained

Affidavits Explained

What is an Affidavit?

An affidavit is a sworn legal document swearing to the authenticity of a statement or fact. When you write an affidavit and sign it, you’re swearing under the law that the information contained in the form is true.

Affidavits are signed voluntarily and under oath, in the presence of witnesses, and notarized by a public official. Meeting these requirements make affidavits legally binding — meaning the signer risks penalty of perjury if they lie.

Since there are many types of affidavits — all used for a variety of purposes — it’s important to understand what an affidavit is, and in what situations you might need to use one.

An example of a time you would need an affidavit is when you want to show your relation to a deceased party when settling their estate. Another affidavit example scenario would be to prove your financial status during divorce proceedings.

Affidavits typically have these three main components:

Everything
  1. Commencement: a commencement identifies the party attesting to the statement or fact, also known as the “affiant,” and swears the information contained in the document is true.
  2. Attestation: a clause at the end of the form affirming the location, parties, and date of signing. This may also be referred to as the “jurat.”
  3. Signature: both the signature of the author as well as all present witnesses.

For your reference, a general affidavit may also be referred to as an:

  • Affidavit Letter
  • Affidavit Form
  • Sworn Affidavit
  • Statement Under Oath
  • Notarized Statement
  • Sworn Statement

Failing to understand the complete scope of the information you’re attesting to could result in perjury charges.

Difference Between an Affidavit and Sworn Declaration

You should acquaint yourself with the differences between an affidavit and a sworn declaration before signing either.

Both serve similar purposes and are viewed in a similar light by courts. However, in general, the main difference is that a sworn declaration is faster to process than an affidavit.

Also known as the “other statement,” depositions are recorded by a court reporter and used alongside declarations and affidavits to record witness statements.

When is an Affidavit Used?

At its simplest, an affidavit is used when a party wants to swear to the veracity of a statement or set of facts.

You will need to use one when:

  • You’re a party to a legal proceeding or contract, and are required, or have been asked, to make a statement of fact under oath about first hand knowledge, experience, or observation.
  • You need someone to swear to a statement of fact under oath.

Think of an affidavit as out-of-court written testimony swearing you are telling “the whole truth, and nothing but the truth.”

Affidavits are commonly used in pre-trial interrogatories (formal questions exchanged between parties involved in a lawsuit).

How do I Make an Affidavit?

If you need to make an affidavit, there are three main ways to do so.

1. Use our builder

Our simple affidavit builder will take you through all the necessary steps to make an affidavit that will stand up in court — just bring the completed form to a notary before signing.

2. Type it yourself

Affidavits may be handwritten or typed. Typing an affidavit is generally preferred as it will keep your affidavit well organized and easily readable. Keep in mind, all affidavits must be notarized with a notary public or other public official witnessing you sign it — regardless of whether the affidavit was written or typed.

If you made a minor mistake, such as a typo, you won’t have to make a new affidavit. Simply take it to a lawyer or notary public to correct any minor mistakes. Critical errors, such as incorrect facts, likely require you to make a new affidavit explaining why you needed to alter the original.

3. Hire a lawyer

If you aren’t completely confident making an affidavit on your own, hiring a lawyer is the next best choice. A lawyer will help minimize errors on your affidavit, and they’ll be familiar with the intricacies of your state and local affidavit laws.

All states have their own guidelines for revoking or amending an affidavit. Familiarize yourself with your state’s rules to be certain you’re following the law.

Who Can Sign or Notarize an Affidavit?

All affidavits must be signed in front of a notary public or other official authorized by law.

The notary public must first notarize the affidavit, signifying that they attest to the authenticity of the affiant’s presence and signature. They then stamp and seal the document to be filed with the appropriate agency.

There is no age requirement for an affiant when signing an affidavit. As long as an affiant is “of sound mind,” and old enough to understand the significance of the oath and affirmation of facts, they may sign it.

Affidavits are legally binding. Once the document is signed, the affiant may be charged with perjury if the affidavit is found to contain false statements of fact.

How to File an Affidavit

Knowing how to file an affidavit depends entirely on the exact purpose of the affidavit. Affidavits are used by a variety of government agencies, legal offices, and businesses, so you need information on those organizations in order to file your affidavit.

If you have any questions about how to file an affidavit, be sure to ask a lawyer or the notary public validating your form when you visit.

Affidavits are voluntarily created documents. No one can force you or another party to sign or make an affidavit.

Lying on an Affidavit

Lying on an affidavit is a serious offense — one that could land you in court. Even unintentionally swearing to a mistaken fact can have severe repercussions.

  • Penalty of perjury: when swearing on an affidavit, you declare under the law that the information contained within the affidavit is true (to the best of your knowledge). Perjury can lead to mandatory community service, fines, or even jail time.
  • Unreliable evidence: by lying on an affidavit, you risk having your statements deemed unreliable and inadmissible as evidence in court. False statements of fact could ultimately lead to a drawn out legal process, with opposing parties questioning you as to why the perjured affidavit exists.
  • Diminished moral character: affidavits are used to swear to the truth. When your lie is discovered, or it becomes clear you omitted part of the truth, your character is immediately called into question. With your now documented untrustworthy behavior, you risk compromising any legal settlements, decisions, or other rulings.
  • Financial sanctions: in cases where an affidavit attests to financial matters, courts may impose a wide array of financial sanctions due to your deceitfulness. For instance, a court may decide to redistribute your assets in a way you don’t want, or award more money to the non-offending party than they would have otherwise.

Affidavit Examples (Free Templates)

There are a variety of reasons why you might need to use an affidavit, and some are quite specific. Learn more about each affidavit type listed below, and download a free, customizable template of any form you need.

Small Estate Affidavit

A small estate affidavit certifies a deceased person’s estate is below a certain value, and is used for the purpose of quickly distributing their property to beneficiaries.

Download:

  • All states except Georgia, Kentucky, New Hampshire, and Wisconsin: Word (.docx) or Adobe PDF
  • Georgia: Word (.docx) or Adobe PDF
  • Kentucky: Word (.docx) or Adobe PDF
  • Wisconsin: Word (.docx) or Adobe PDF

Note: Depending on the state law, real property and/or motor vehicles cannot be transferred using a small-estate affidavit. Also, all states have a limit on the total value of assets (maximum allowance) which if exceeded cannot be transferred using a small-estate affidavit.

Affidavit of Heirship

An affidavit of heirship identifies the surviving family of a deceased person who died intestate (without a valid will).

Download:Word (.docx) or Adobe PDF

Affidavit of Residence

An affidavit of residence is used to verify someone’s legal address.

Download: Word (.docx) or Adobe PDF

Affidavit of Service

An affidavit of service is used to attest to the delivery of important documents by a process server, including the date, time, and manner the documents were served to the recipient.

Download: Word (.docx) or Adobe PDF

Affidavit of Domicile

An affidavit of domicile verifies the primary place of residence of a deceased person, in order to effectively transfer stock ownership and other securities.

Download: Word (.docx) or Adobe PDF

Financial Affidavit

A financial affidavit affirms the financial information detailed in the document is reflective of the signer’s financial affairs, and gives a court or other party an accurate look into their finances — allowing them to make specific legal decisions regarding party finances.

Download: Word (.docx) or Adobe PDF

Affidavit of Death

An affidavit of death is used by a third party with personal knowledge of a person’s death, affirming the person has died.

Download: Word (.docx) or Adobe PDF

Affidavit of Title

An affidavit of title states that a property seller has a true title to the property. Additionally, it guarantees the property isn’t being sold to someone else, has no liens against it, and the seller isn’t undergoing bankruptcy.

Download: Word (.docx) or Adobe PDF

Affidavit of Identity

An affidavit of identity pledges that the person signing the affidavit swears they are who they say they are.

Download: Word (.docx) or Adobe PDF

Gift Affidavit

A gift affidavit formally records the transfer of a gift of significant value, and clearly documents the giver’s willful donation — distinguishing it from a loan or sale.

Download:

  • Affidavit of Gift – Income: Word (.docx) or Adobe PDF
  • Affidavit of Gift – Motor vehicle: Word (.docx) or Adobe PDF
  • Affidavit of Gift – Real property: Word (.docx) or Adobe PDF
  • Affidavit of Gift – Securities: Word (.docx) or Adobe PDF
  • Affidavit of Gift – Others: Word (.docx) or Adobe PDF

General Affidavit

If none of the above affidavits meet your needs, you can download and modify this general affidavit to suit your requirements.

Download: Word (.docx) or Adobe PDF

Attaching supporting documents that verify your assertion of facts is an effective way to give the court a clearer picture of the facts you’re attesting to.

You’ll likely be asked to sign an affidavit at some point in your life. Acquainting yourself with possible scenarios when you might need an affidavit will help better protect your legal rights and future.

What do I mean by Big Wins? Compare two people trying to get an edge in life.

John, 28, earns $62,000/year as a project manager. He used to have $8,200 in credit card debt from overspending, but he’s been slowly paying it down over the last two years and now it’s at $6,400. How? He tried all the typical personal-finance advice: He set up a budget, he tried to cut back on his daily lattes, and he made sure to make a list of goals he wanted to achieve. Yet last week, he took an honest look at his life and realized he’s still treading water. Despite paying off part of his debt, he still has years ahead of being in debt — plus no real savings, no investment, and something always comes up, causing him to yo-yo back and forth on his goals.

Chris, 32, earns approximately $120,000. Four years ago, Chris was making about $60,000/year but he was barely getting by — he had $50,000 of student-loan debt and, most days, would eat the free snack bars at his office instead of buying lunch. Yet within 4 years, Chris paid off $50,000 of debt, amassed a savings account of tens of thousands of dollars, and more than doubled his salary. To do this, he set up automated systems to pay off his debt. He turned his skills into a side income to earn over $1,000/month on the side. He knew he was slightly socially awkward, so he spent time joining courses to improve his social skills and ended up negotiating multiple salary increases — including over a $50,000 raise two months ago.

The difference between the two people?

John focused on tiny, meaningless tactics that experts told him he “should” do. Chris, the successful student with the dramatic results, focused on doing a few important things, and mastering them. He focused on Big Wins.

Chris is, in fact, a real person — the only student who has joined every single one of my courses.

A national reporter also wrote about Chris in a recent 6-page Fortune profile of my teachings.

There’s a reason why many of my IWT students have results like Chris — results that include earning tens of thousands of dollars more every year, paying off $50,000 in debt, and leapfrogging their peers to land their Dream Job in their 20s — while so many other people are stuck cutting back on $3 lattes with no discernible results and a side of soul-crushing guilt.

IWT students focus on Big Wins instead of minutiae.

IWT students don’t worry about saving $2 or $3 on lattes, knowing that in the grand scheme of things, that money is largely meaningless — plus, as cognitive misers, we have limited cognition and attention, so each additional thing we try to focus on means an overall reduced amount of willpower and attention.

If you had to use your limited willpower to cut back on $2 a day of something you love, versus learning how to negotiate a $10,000 salary increase, which would you rather do?

Minutiae-focused people try to focus on everything, rarely prioritizing. They obsess over their monthly spending as much as turning the oven light off, never understanding the futility of trying to trick human nature. They use phrases like “I just need to…” and “Yeah, I really should…” and “If I just try harder this month, I should be able to…”

True masters of human behavior understand our shortcomings, and use systems, automation, and a judicious use of our limited willpower to tackle the things that really matter — while ignoring the rest.

Once you adopt this frame, you’ll see it everywhere. You’ll see people dutifully trying to cut back on small daily expenditures, then getting frustrated when it adds up to very little…and they yo-yo right back to their former behavior. You’ll see them sporadically jumping from expert to expert, like others jump from diet to diet, searching for the one “magic bullet” that will solve all their problems — all the while, never understanding the mechanics of what actually works.

Ironically, if you suggest that they focus on doing a few Big Wins (e.g., learning how to negotiate their salary, or earn money on the side), the very same people will claim they’re “too busy” to do that. Indeed.

This is a fascinating wrinkle in human behavior. People will continue to do something — even if it doesn’t work — instead of potentially trying something that might actually work but is novel (and therefore scary) to them.

  • Even if their closest friend has used these strategies and techniques to pay off tens of thousands of dollars of debt
  • Even if they see examples of people just like them who have changed their lives
  • Even if they trust that the techniques work for other people, many of us will use barriers like “Well, that might for HIM…but I have [INSERT SEEMING UNIQUE SITUATION THAT IS NOT REALLY UNIQUE AT ALL]

I find this human tendency totally astonishing. This is why you see people who have been working out for 3 years but haven’t lost much weight at all. Yet when you suggest they try getting a personal trainer — even for a week — they say, “I could never do that! It’s too expensive.” Same with diets. And money. And relationships.

Today, a short primer on the difference between the “I Will Teach You To Be Rich” approach and many others’ approaches.

BIG WINS: A KEY DIFFERENCE BETWEEN IWT AND OTHER “EXPERT” ADVICE

There are a few Big Wins in life where — if you simply get them right — you almost never have to worry about the small things. If you can focus on the 5-10 Big Wins, rather than 50 little things, you can have an insurmountable edge in life.

The I Will Teach You To Be Rich philosophy has always been to focus on the long-term, and to focus on big wins that matter. If you start investing early, pick a sensible asset allocation with low-cost funds, save for big events in the next 10 years (wedding, down payment on a house, kids, vacations…), focus on having great credit, and cut costs mercilessly on the things you don’t care about. Do these things and you’ll be ahead of 99% of other people.

Here are several examples of typical advice you’ll read in magazines, newspapers, and blogs…contrasted with my teachings that I’ve tested with over 1 million students.

THEY SAY: “Keep a budget! How can you cut your spending if you don’t know where your money is going?”

I SAY: Nice in theory, but it almost never works. Nobody wants to keep a budget (it makes people feel bad about themselves), and if you study people who pick up personal-finance books, only to find the first chapter saying “Let’s create a budget,” you’ll predictably see those people shut the book and put it right back on the shelf. Ironically, “experts” who recommend that others keep a budget rarely keep one themselves. Had they tested this worthless advice with even 10 people, they would see that 10/10 would fail to maintain a budget past 2 months, a laughably terrible result. Their natural exhortation, should they ever decide to test their terrible lifelong advice? “These people should try harder.” Sigh.

***

THEY SAY: “No, you can’t buy those jeans. No, you can’t afford those shoes. No, you can’t take that trip. No, no, no.”

I SAY: Who wants to be told what you CAN’T do with your money? For too long, money experts have been telling us all the things we’re not allowed to do, instead of telling us what we CAN do. Guess what? I want to live a rich life. I WANT to buy nice things. I want to travel to Vegas, or San Francisco, or LA, to visit my friends and go out. I WANT to buy a round of drinks for my friends or send a nice gift to my family. So if you want to buy $300 jeans, or a $1,000 weekend in Vegas, great! Instead of judging you and making you feel guilty, I’ll show how to do it — how to live a rich life by spending EXTRAVAGANTLY on the things you love, as long as you cut costs mercilessly on the things you don’t.

***

THEY SAY: “Stop spending on X, Y, and Z. Oh, you want to know about earning more? [Crickets]”

I SAY: There’s a reason why most personal-finance experts write about cutting back and constant frugality, yet they don’t write about earning more:

They don’t know how.

Now, cutting back relentlessly on the things you don’t love is an important part of living a rich life. But earning more is at least as important.

It’s why I’ve raised my hourly rate from $20/hour to $3,000/hour in a few years. It’s why I’ve taught thousands of students how to earn thousands of dollars/month on the side via one of my flagship courses, Earn1K.

There’s a limit to how much you can save — but not to how much you can earn. You can’t outfrugal your way to being rich.

***

THEY SAY: “You should search around for the right accounts. You should call banks and try to bargain. And be sure to negotiate your salary some time!”

I SAY: You already know what you “should” do — yet few of us do it. Instead, I provide the exact word-for-word scripts, phone numbers, and exact accounts I use so you don’t have to think. You can simply open the right accounts, negotiate your salary, automate your money, and get on with your life.

Exact scripts for:

***

THEY SAY: “Do this. Do that. Not that!!”

I SAY: Read virtually any money or career advice, and you’ll see a laundry list of tactics. The funniest examples are (1) where books/columns try to teach you about the difference between corporate and municipal bonds. Who cares?? What person ever woke up in the morning and said, “YEAH!! I REALLY NEED TO LEARN THE DIFFERENCE BETWEEN STOCKS AND FIXED-INCOME STRATEGIES!!” and (2) raw lists of ideas of so-called “businesses” you could start on the side: Plumber, freelance writer, freelance nurse, freelance nanny, freelance cardiothoracic surgeon.

Are you seriously kidding me? As if people simply need a list of ideas? Yes, THAT is what’s holding me back! Ahh! What a great idea!! Now that I see this 2-word IDEA, I know exactly how to turn that into side income, including marketing, positioning, targeting, referral strategies, pricing, and lead generation and qualification!

These are all tactics that assume people need to be “educated” — a belief that’s so deeply held, it’s become an invisible script. “Ah, if we just educate these poor people and show them a compound-interest chart, they’ll wake up from their spending stupor and realize the critical importance of financial management!”

Wrong, wrong, wrong.

As Clotaire Rapaille wrote in his terrific book, The Culture Code,

“Years ago, Tufts University invited me to lecture during a symposium on obesity…

Lecturer after lecturer offered solutions for America’s obesity problem, all of which revolved around education. Americans would be thinner if only they knew about good nutrition and the benefits of exercise, they told us. Slimming down the entire country was possible through an aggressive public awareness campaign…

When it was my turn to speak, I couldn’t help beginning with an observation.

“I think it is fascinating that the other speakers today have suggested that education is the answer to our country’s obesity problem,” I said. I slowly gestured around the room.

The Everything Personal Finance In Your 20s And 30s PDF Free Download For Windows 7

“If education is the answer, then why hasn’t it helped more of you?”

There were audible gasps in the auditorium when I said this, quite a few snickers, and five times as many sneers. Unsurprisingly, Tufts never invited me to lecture again.’”

We already “know” we need to exercise more, eat healthier, control our spending, and maintain our relationships better. So why don’t we?

That nexus –the difference between what we CLAIM and what we actually DO — is where I’ve spent 10+ years studying from a psychological and persuasive basis.

Short answer: When it comes to changing human behavior, education alone is not enough.

7 BIG WINS

If you simply get these Big Wins right, you’ll almost never need to worry about minutiae like “Can I afford this appetizer?” or “Should I spend $2.50 on this mocha?”

The beautiful part about Big Wins is you do the work up front — and they pay rewards for the rest of your life. For example, one $5,000 salary negotiation in your 20s can be worth over $1m over your lifetime. How many lattes is that worth?

Next time you hear the same old tired advice of keeping a budget, or cutting back on $2 lattes, ask yourself: Has that really worked for the millions of people who’ve tried it? Are they really not “trying hard enough”? Or is there perhaps a systemic problem urging people to waste their limited cognition on near-meaningless tasks with little reward…and should we instead focus them on high-leverage areas that will result in massive payoffs?

The Everything Personal Finance In Your 20s And 30s PDF Free Download For Pc

100% privacy. No games, no B.S., no spam. When you sign up, we’ll keep you posted