Category Archives: Financial Independence

Auditor independence can be defined as a reference to the independence of internal or external auditors from parties that might have a financial interest in the business being audited.

Independence requires:

- Independence of mind: The state of mind that permits the provision of an opinion without being affected by influences that compromise professional judgment, allowing an individual to act with integrity, and exercise objectivity and professional scepticism.

- Independence in appearance: The avoidance of facts and circumstances that are so significant that a reasonable and informed third party, having knowledge of all relevant information, including safeguards applied, would reasonably conclude a firms, or a member of the assurance teams, integrity, objectivity or professional scepticism had been compromised.

The use of the word independence on its own may create misunderstandings. Standing alone, the word may lead observers to suppose that a person exercising professional judgment ought to be free from all economic, financial and other relationships. This is impossible, as every member of society has relationships with others. Therefore, the significance of economic, financial and other relationships should also be evaluated in the light of what a reasonable and informed third party having knowledge of all relevant information would reasonably conclude to be unacceptable.

Example

AU section 220 of the American Institute of Certified Public Accountants (AICPA) states that for auditor independence the auditor "must be without bias with respect to the client since otherwise he [or she] would lack that impartiality necessary for the dependability of his [or her] findings, however excellent his [or her] technical proficiency may be."

The International Federation of Accountants (IFAC) provides a framework of principles that members of assurance teams, firms and network firms should use to identify threats to independence, evaluate the significance of those threats, and, if the threats are other than clearly insignificant, identify and apply safeguards to eliminate the threats or reduce them to an acceptable level, such that independence of mind and independence in appearance are not compromised.

In situations when no safeguards are available to reduce the threat to an acceptable level, the only possible actions are to eliminate the activities or interest creating the threat, or to refuse to accept or continue the assurance engagement.

In the US context independency is governed by the SEC, PCAOB and AICPA.

In the case of Enron collapse in 2001, auditors independence was violatedand Arthur and Andersonfell alongwith its client, leaving us with only big four audit firms,'the big four',rather thanfive, as previously. [1]

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Auditor Independence Definition from Financial Times Lexicon

Financial independence means that you will never be broke. Whenever you need money, you can easily make it available. Even if this is not the case, you can take care of yourself and your family without any need to call on friends to lend you money. In a country like Nigeria, this is a bit difficult due to the trending economic downturn and the lack of a stable business environment. Regardless, you have no choice than to be financially independent. JumiaTravel, the leading online travel agency shares tips that will help to be financially independent.

Income is not wealth

This is one mistake many people make. They think the more they earn, the more they are financially independent. Yes, it is good to have a high-paying salary. However, the truth is that you are still working very hard to make the money and you are yet to invest it. Beyond your immediate salary, you do not have anything. What happens if you lose your job? Try to do something outside your job to earn more. Just ask yourself if you lose the job, will you be stable financially? If your answer is no, you have to take action.

Financial independence requires a disciplined spouse/bae

If you have a spouse that spends all your money on Indian hair, London bags, iPhones and the likes, you will never be independent. All your money will be going to the upkeep of your spouse and you will not have anything to invest. We are not saying you should not spend but be reasonable with spending and get someone who is not too demanding.

Fund your future

The future is very important. You have to prepare for it, You should always save money to enable you to deal with any unforeseen incident. Life is unpredictable. This unpredictability makes it essential to save.

Be an investor, not a trader

A trader is someone who wants to make a profit as soon as he/she can. They are never patient. If the business is not doing well, they abdicate it and venture into another one. But an investors plan is long term. They foresee a future of great profit and they are very patient as they work to position the business to attain profitability. So, be an investor, not a trader.

Diversify

A particular source of income will not bring financial independence until you diversify. Do not put all your eggs in one basket. Distribute it intodifferentbasket and soon you will not rely on one income generator.

Live beneath or within your means

If you earn 20,000 as salary and you are living in an apartment worth 500,000 and eating food worth 2,000 daily, you will never be financially independent. The rule of thumb for financial independence is living within your means. Spend less even if you earn more and make sure you invest.

Ogunfowoke is a PR agent with Jumia Travel

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6 ways to achieve financial independence - Tribune - NIGERIAN TRIBUNE (press release) (blog)

Daniel Henson with girls in the BSP Financial Literacy Programme. 28 April 2017.

Thirty young girls who joined a Financial Literacy Program for six weeks, received certificates from the BSP Bank last Friday, with some winning cash prizes to set up their first savingsaccounts

Daniel Henson, the General Manager of BSP stressed that its important to save - even if you have just onedollar.

Vanessa Heleta, director of the Talitha Project for girls, said the ongoing program is equipping young girls with economic skills to be financiallyindependence.

"Financial independence is not just about being liberated but also brings them happiness and it will give them the opportunity to live a life that they dreamed of," shesaid.

"They were equipped with knowledge on how to budget, learning SMART goals and the importance to save, spend and giving. Part of this partnership with BSP is setting up their personal saving accounts."

She said the girls who showed commitment and active participation received prizes of $100 from BSP Bank to open up their accounts.

"I really appreciate this partnerships with the BSP Bank - this is one of the components of the UNWomen funded 'My Body!My Rights! Now we have 30 new girls lining up for next month," saidVanessa.

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Girls learn about financial independence - Matangi Tonga

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Financial Independence | Tardus | Retire Early | Wealth

The early 20s is the age when boys become men and girls, women and with this admirable growth comes a new set of challenges. At this stage in life, most young adults are either in school or gaining on-the-job experience working on a craft. Regardless of current situation, statistics show that 46% of young adults will be tasked with earning the necessary funds required to cater for their personal needs. And for those who fall into this category, life for these young adults can be quite difficult due to financial challenges. Therefore, in this article, 5 timely tips on achieving financial independence will be outlined below.

Earn Money Freelancing:

Earning a steady income stream sufficient enough to take care of your regular needs with no tertiary education to boast about is generally unheard of. Therefore, for most young-adults, looking for other means to supplement that Mc Donalds serving gig is a must if you plan to make ends meeteat, pay rent and handle transportation.

But do not be discourage for with youth comes boundless energy and talents you can explore. Therefore, turning your drawing abilities, writing skills or voice-over talent to money through freelancing is a way to augment your weekly pay check. An online visit to freelance market places such as Fiverr or Upwork is all you need to build a second income stream.

Get Creative with 3D Printing:

As revolutions go, the 3D printing revolution has taken most main-stream industriesengineering, architecture, manufacturing and productionby storm. The beauty of this revolution is that with a 3D printer and some digital designs, just about anyone can create art from the bottom of their basement.

Therefore, investing some of your time learning the tenets of 3D printing as well as investing your money on a 3D printer gives you a solid leverage to earn money for life. Currently, there are a plethora of sites offering free 3D digital models you can leverage upon to start your printing career with. Next, putting up your designs for sale on Amazon or any other sales platform will surely increase your chances of earning a respectable income in no time.

Start an Online Business:

Technology and the internet has played a huge role in making the world a global village and the responsibility of monetizing the opportunities they offer falls on your shoulders. There are diverse online businesses one can consider and here are some ideas to get you started.

Social Media Marketing:

Ever heard of PewDePie the Youtube sensation earning thousands of dollars through his channel? Affiliate marketers and even big brands are looking for young vibrant adults to sell their products using the influence they wield on social media platforms.

You too can put some effort in building a following interested in your hobbies and seek diverse avenues such as Google Adsense to monetize your online presence. Although this takes effort, content development and a lot of online socializing, your efforts will eventually be rewarded in the long run.

Donate Your Time:

Charity work is generally looked down on by young adults for they are not plush jobs with 5 or 6 figures salaries. Why it is understood that money is important and actively seeking it is the best way to achieve financial independence, donating your time to the needy or less privileged has its benefits. It truly renews your spirit and invigorates you to pursue your dreams with renewed effort.

These are the 5 timely tips anyone can employ to achieve financial independence in their early youth. The future is yours to mold.

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5 Tips to Achieving Financial Independence in Your 20s - FX Daily Report

Israeli flag.. (photo credit:REUTERS)

Without moral and intellectual independence, there is no anchor for national independence. David Ben-Gurion

Put down your flags and barbecue tongs. Put your adult beverages back in the fridge. As Israelis gear up for Independence Day, its a great time to look at your own financial situation and make sure that you are on the road to financial independence as well.

What is financial independence? While some might think that its jet-setting around the world in your private jet, I am going to stick to the definition used by Wikipedia: Financial independence is having sufficient personal wealth to live indefinitely without having to work actively for basic necessities. In the case of many individuals whose financial circumstances fit this description, their assets generate income that is greater than their expenses. Under such circumstances, a person is financially independent.

While many individuals believe that you need to be rich to be financially independent, meaning a job with a salary of $250,000 and savings of millions of dollars, in reality, you just need to be able to cover your expenses with passive income to fit the definition. Its not all about your assets; your expenses play a huge part in the equation as well. If you scale down your lifestyle, you can achieve independence on much more modest sums of money than you ever dreamed was possible.

As Mr. Money Moustache writes: The bottom line is this: By focusing on happiness itself, you can lead a much better life than those who focus on convenience, luxury and following the lead of the financially illiterate herd that is the TV-ad-absorbing middle class of the United States (and other rich countries) today. Happiness comes from many sources, but none of these sources involve car or purse upgrades.

Here are three tips that can help get you on the path to financial independence.

Whats your goal?

I am a firm believer that people need to set goals to achieve desired milestones. If you want to effectively lose weight, you set a goal of how much you want to lose. If you say to yourself that you want to just lose weight without any goal of how much, you are primed to achieve minimal weight loss (if any at all). This is speaking from experience.

Its important to set a realistic date for when youd like to be financially independent. As a guide for how much money you will need in the future, I like to tell clients that they need about 20 years worth of this years expenses to make it. For example, if you spend $30,000 a year, you will need $600,000. Keep in mind that any pension, Bituach Leumi or Social Security income that you will receive will lower the overall amount that you need. If you receive $20,000 a year in retirement income, then you will need another $10,000 as supplemental income, which means you would only need about $250,000 in savings to be independent.

Money makes money

You need to invest. Make saving and investing a priority. By saving and investing now, you allow your money to make more money. Start paying yourself first every month. Whether you invest in real estate (where you get a monthly rent check) or you invest in dividend-paying stocks, focus on a slow and steady approach to building wealth.

While its quite tempting to try and find a home run stock that will make you an instant fortune, far more often than not, investors end up striking out. While it may not fit with todays remote-control generation, where if you dont like something you just click away to something else, when it comes to building assets, slow and steady rules the day.

Now is the time

I always hear individuals say they dont invest because they dont have enough money to start. They think if they dont have hundreds of thousands of dollars, there is no point investing. I recently met with a couple that has been married for a few years and between some savings and wedding money had accumulated $28,000. They basically took the money and stuck it into a savings account at their bank, which is earning zero interest. When I asked why they never invested the money, they said they figured it was such a small amount that it wasnt worth it. By delaying investing, you are doing yourself a big disservice.

With a strategy and measured investing approach, that $28,000 can be a really good starting point to get you on your way to financial independence.

The information contained in this article reflects the opinion of the author and not necessarily the opinion of Portfolio Resources Group, Inc., or its affiliates. aaron@lighthousecapital.co.il Aaron Katsman is a licensed financial professional in Israel and the United States who helps people with US investment accounts. He is the author of the book Retirement GPS: How to Navigate Your Way to A Secure Financial Future with Global Investing.

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Your investments: Financial independence and Independence Day - Jerusalem Post Israel News

DANVILLE If your financial plan is to marry a rich man or woman, think again.

The free program, A Man is Not a Financial Plan, will be presented Monday night at the United Way of Danville Area, Inc., 28 W. North St., Suite 102, as part of Money Smart Week.

Dinner will be served 5-6 p.m., with back massages provided by Bowlin Chiropractic. The program will be from 6-8 p.m.

The topic was the brainchild of Sherri Askren, United Way of Danville Area president, who had seen that phrase used on financial planning websites. Its also the title of a book, aimed specifically at women.

Men are invited to the workshop.

Askren said, Its imperative you learn to handle your money and feel better when the storms come into your life.

When you enter a relationship, you must be comfortable with yourself and have a mutual respect for each other, she said. Money issues spell trouble for many relationships.

Sometimes, when a spouse dies, the surviving spouse has no idea what to do financially.

We want everyone (men and women) to gain financial independence, she said, so they can have healthy relationships.

The program is sponsored by the United Way of Danville Area, University of Illinois Extension, Raymond James, Iroquois Federal and Bowlin Chiropractic.

FYI

Reserve a space at: http://www.moneysmartweek.org/sabkck03/a_man_is_not_a_financial_plan

Seating is limited, with 20 spaces available.

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Program stresses financial independence - Danville Commercial News

The changing face of the United States should be viewed as an opportunity

In 2015, the Bureau of Labor (BLS) Statistics released the results of a study dubbed the National Longitudinal Survey of Youth 1979. This survey observed the employment habits of nearly ten thousand men and women of various groups over a 30-year period. Of all the data presented by the study, two numbers most characterize the evolution of the American job market: 11.7 and 93.7.

The former represents the average number of jobs a person will work between the ages of 18 and 48; the latter the percent of people age 30 to 34 who will spend less than 15 years with any single employer.

These numbers reflect the downward trend, if not the death, of the one-time American ideal of being a company man. The average American no longer aspires to grind through a nine-to-five job in his or her perfect first employment scenario. If they did initially, the volatility of the current job market seems to force a more thorough review of reality.

At the very least, they certainly dont expect to be rewarded with a mantle clock or gold watch after thirty-plus years of faithful service. Even in their early to mid-thirties, an age when most people begin to settle down and raise a family, the average American is still willing to change careers and locations repeatedly to further their long-term economic viability.

In most cases a planned career change provides an improvement in living and working conditions, as well as a boost in income. For most, these improvements are reflected in the standard of living enjoyed, and also with measureable improvements in future financial security, improved net value, greater liquidity, and larger retirement benefits.

For some, the correct choices may also provide the ability to cross the threshold where financial security becomes financial independence: defined as the ability to continue the same, or better, lifestyle without a job; the much-heralded early retirement.

The frequency for this likelihood increases for the case where workers take greater personal and financial risks early in their career by investing in additional retirement plans, stocks and bonds or, more significantly, by contributing their time and future income to innovative technologies and start-ups.

Accordingly, spurred on by the age of the internet, numerous opportunities have sprung up in the last 30 years, resulting in a more than eight-fold increase in millionaires. That demographic can be used here to illustrate the number of people who have become financially independent.

More specifically, in 1988 there were only about 1.5 million millionaires in the United States. By 2017, this number had increased to 10.8 million, showing that, as investment savvy workers and the innovations they support have grown, so too have the number of financially independent Americans.

By and large though, employer mobility, as enjoyed by American workers, has often come at the cost of their financial security. According to the BLS study, during the 30-year period the bureau analyzed, the subjects spent a total of 22% of their time from age 18 to 48 either unemployed or out of the workforce. This means that they were out of the working world for nearly seven years during what should be the most productive portion of their lives.

While a good portion of this time was likely related to the pursuit of higher education and training, the result is still the same: the average American now spends more than half a decade out of the workforce during their working careers. This results in years of lost wages and promotions for the individual, lowering their future earnings potential and seniority in a position, in many cases affecting their job security.

In a broader sense, this also means that there are fewer citizens who can make positive contributions to the local economy, as well as to the government in the form of taxes. Todays employee knows that stability in a career is not a given, and there is very little chance that the government will provide any kind of substantial fallback for them should their employment situation change. Thus, their historically strong employer loyalty has given way to increased financial depth.

The days when Social Security and even company pension plans would provide for future living conditions and survival security are long gone. Even with all the optional retirement vehicles, the reality is that the American workers must again secure their own future financial security, independent of government-mandated programs that may work initially but can never keep pace with changing economic, demographic, longevity and life-style realities.

Workers must invest in their own future, first through education and training and then by investing in public and private markets, as well as in innovation and entrepreneurial opportunities, not to mention second jobs or the equivalent from their spouses and other family members.

According to the 2016-17 Global Entrepreneurship Monitor report, there has been a significant uptick in entrepreneurial activity in the last decade. Most notably, in 2016, 13.6% of all American adults ages 18 to 64 were involved in either the creation or the operation of businesses that are less than 42 months old. Thus, millions of Americans have decided to dedicate at least part of their time and financial security to the pursuit of innovation and wealth creation, instead of working exclusively in the corporate world.

While entrepreneurship entices Americans with the promise of great wealth, it is important to note than 90% of all startups fail. For the sake of financial stability, Americans must understand that the social safety nets currently in place simply cannot support entrepreneurs who fail in their endeavors. They must have their own savings and safety nets to help them survive any failures they may encounter.

We are ultimately responsible for our current situation, and more so for the future, since we have time to make the plans necessary for that future lifestyle we have set as our goal. It also means we can bet the house on one throw of the dice. Proper planning is essential and even risk taking must have a safety net.

For these and numerous other reasons, it is important for the stability of our citizens and the social welfare system we enjoy that we take charge of our own financial security and not expect to find the solution to our lack of personal planning during the eleventh hour of our working careers. Programs are in place to provide the fundamental mechanisms for wealth accumulation. We just need the discipline to take advantage of them.

More importantly, with that same discipline and a proper outlook to the future, there appears to be a plethora of ideas that will allow the transition from hand to mouth to financial security and possibly to financial independence. The data show that the United States is primed to make innovation another way to create security and independence. It is our responsibility to make it happen.

James E. Smith, PhD is a professor of Mechanical and Aerospace Engineering at West Virginia University. Alex Hatch has a BS in Mechanical Engineering from WVU and is studying for his Masters Degree in engineering at WVU.

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Financial security versus independence - Canada Free Press - Canada Free Press

Every day the king of Arabic music greets me. He hangs around in my lounge, replete with pearly white teeth, smiling as he Abdel Halim Hafiz gazes into my eyes. Little wonder every woman in the Arab world swooned when he sang all those years ago.

For those not in the know, Abdel Hafez was the Arab worlds Elvis Presley.

Alas, he too is dead, but it is more than his memory that lives on for me. He is a constant reminder that each day we live is gone forever. Because he lives in my home in the form of a hand-painted poster depicted as the hero in one of the movies he starred in titled A Day of My Life.

I rattle on about this because tomorrow is World Book Day. And the book I would like to be reading is the latest edition of Your Money or Your Life. It promises to redefine our relationship with both money and life.

Both the book and the 60s poster nudge me to remember that time is our most valuable asset.

The authors, credited as the founding fathers of the financial independence movement, extol this: achieve a degree of financial independence that allows you to spend your time doing what is fulfilling for you. They did it. The book shares how.

The aim of the authors Joe Dominguez and Vicki Robin is to achieve financial intelligence and financial integrity, as well as financial independence. Bringing into focus how our financial life sits in relation to the rest of our life. In its simplest form, this involves figuring out what we spend our money on, then whether it adds to the quality of our lives, moving on to realising that our relationship with money involves more than earning, spending, debts and savings; it also includes the time these functions take in our life.

Nirvana is achieving "financial integrity"; understanding the true impact of our economic interactions, and having that impact reflect our true intentions.

Its a consciousness system of living with decisions around what is really valuable to you. That there is something greater than consumerism.

It is about the sustainable development of each of us.

This from the summary of the book: financial independence has nothing to do with rich. Financial independence is the experience of having enough and then some. The old notion of financial independence as being rich forever is not achievable. Enough is. Enough for you may be different from enough from you neighbour but it will be a figure that is real for you and within your reach.

A frequent conundrum Im presented with is that its "impossible" for the person seeking my counsel to spend any less and still live.

Vicki Robin states that everyone who participated in their Your Money or Your Life workshops (that started decades ago, before she and her late partner, Joe Dominguez, wrote the first edition of the book) reported a 20 to 25 per cent reduction in expenses, and that the quality of their lives improved.

This isnt an all-talk theoretical book. It has nine practical "how do I do it?" steps to achieving financial independence. Accuracy and accountability are vital.

In a nutshell:

1. How much money has come into your life and what do you have to show for it?

2. Being in the present: tracking your life energy.

3. Where is it all going: monthly tabulation.

4. Three questions that will transform your life (I thoroughly dislike this sort of "hook". The questions are valuable though I especially like this one:

Would I be spending this if I didnt have to work for a living?)

Respecting your life energy: maximising income.

Capital and the crossover point.

9. Securing your financial independence.

So many of us carry this around inside us: when do I get to be free? When do I get to find out what else is in me? What else do I want my body to experience?

You can find out if your investment-related income covers lifes expenses achievable so much sooner if your "enough" is less.

Dominguez went the route of US treasury bonds which served him well. Times, and the investment climate, have changed since then. He retired at the age of 31 with US$70,000 and never earned from work again (yes, it was a very long time ago). His criteria for investment are:

Your capital must produce income; your capital must be absolutely safe; your capital must be in totally liquid investment. you must be able to convert it into cash at a moments notice, to handle emergencies; your capital must not be diminished at the time of investment by unnecessary commissions, or other expenses; your income must be absolutely safe; your income must not fluctuate; you must know exactly what your income will be next month, next year and 20 years from now; your income must be payable to you, in cash, at regular intervals; your income must not be diminished by charges, management fees or redemption fees.

The investment must produce this regular, fixed known income without any further involvement or expense on your part. It must not require maintenance, management, geographic presence or attention due to "acts of God".

The latest edition is not out so Ill have to wait to find out what changed since Your Money or Your Life was first published what hasnt changed though is that money equals the life hours we trade for it. That we are all profit or loss centres, and that fear of our financial future is real and is debilitating.

Abdel Halim Hafez was an activist in many ways look him up. Now it is your turn. Go on. Be a time activist. Take back your time. Then ask: what do you want? What do you want your life to be? Financial independence gives you the option of finding out. Before your days run out.

Nima Abu Wardeh describes herself using three words: Person. Parent. Pupil. Each day she works out which one gets priority, sharing her journey on finding-nima.com

business@thenational.ae

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Focus on achieving financial integrity - The National

Pardon the dj vu, but AICPA has released another survey today, and I'm taking the bait and writing about it - mainly because once again I find myself at odds with prevailing cultural views of money.

This survey, also of more than 1,000 adults and conducted by Harris Poll, examines the cultural relevance of the old adage "time is money." Turns out most Americans (59%) do equate the two, while a significant minority (30%) favor money and a very tiny minority favor time (11%).

As the news release announcing the findings puts it, "the survey explores whether Americans are more likely to opt for extra money in their pockets or extra time on their hands."

While I have often made the case for applying one's work efforts to saving for the future, that should not be mistaken for the notion that people should become workaholics. To the contrary, the whole purpose of saving for the future is so that we can achieve financial freedom, and what greater hallmark of freedom is there than control over our time. Thus, according to this view, time is more valuable than money. Money is just a convenience, a medium through which we manage our economic lives. Because we all have material needs, we must give up some of our freedom in order to obtain money. But freedom is, or should be, the ultimate goal.

I believe that if this were properly understood, our society would be more successful in preparing for retirement, because the stakes would be clear. To make that goal more vivid, I believe it is important to enjoy the freedom that time affords throughout one's life. When I achieve financial independence, I'll have a very clear idea of what to do with my freedom because I will have had decades of experience in enjoying it already!

Sadly, many people who reach "retirement" (I confess, I do not like that word) experience depression because they don't know what to do with themselves. My two cents: Whatever your ideal vision of retirement may be, start enjoying it now to ensure that you will enjoy it even more then.

Please share your thoughts in the comments section. Meanwhile, here are today's advisor-related links:

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Is Time Really Money? Financial Advisors' Daily Digest - Seeking Alpha