Participants: Cordell Thomas
Series Code: TITTB
Program Code: TITTB000014
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00:01 On Take It To The Bank,
00:02 you will find ways to get out of debt... 00:09 solve your credit card problems, 00:14 how to make and stick with a budget... 00:19 simple ways to save... 00:24 buying or selling a home 00:26 and many more financial matters on Take It To The Bank. 00:33 Hi, my name is Cordell Thomas 00:34 and welcome to Take It To The Bank. 00:36 We're glad that you're here 00:38 and I'm glad that you're looking in another program 00:41 that we have for you. 00:43 This is an exciting program. 00:44 This whole series is gonna exciting 00:45 because it's led by you. 00:47 I received several emails and in context 00:51 of your Facebook about the program 00:52 and there were some very good feedback 00:54 and some of them actually provided me 00:56 ideas of the direction we could take 00:59 with this specific program. 01:03 So here's what we're going to do. 01:04 I would like to start out with a Bible verse. 01:07 If you look in your Bibles, Hebrews 12. 01:09 Hebrews 12:1 says, "Therefore, since we are surrounded 01:12 by so great a cloud of witnesses, 01:14 let us lay aside every weight, 01:16 and sin which cling so easily to us, 01:18 and let us run with endurance, the race that is set before us, 01:22 looking to Jesus, 01:23 the founder and perfecter of our faith, 01:26 who for the joy that was set before Him 01:27 endured the cross, despising the shame, 01:31 and is seated at the right hand of the throne of God." 01:34 I think it's a very intriguing verse 01:36 because it tells us that we have a group of witnesses, 01:39 not in this world, but they are watching 01:42 and rooting for us and asking us 01:43 or hoping that we can be successful. 01:45 And some of these things 01:49 that God would like us to be successful. 01:50 In this specifically is finance. 01:53 And one of the context I was driven to was, was-- 01:59 A short story that I'll tell you. 02:01 I was taking care of some dry cleaning 02:04 before I came out to this area and, and the dry cleaning 02:08 of course, is making sure everything is in place. 02:09 I was missing a couple of buttons on a suit, 02:12 I was missing a couple of things 02:14 and some of the things need to be repaired. 02:16 And, and as I took them in, 02:18 I talked to the owner of the drycleaner 02:20 and I said I need a button sewn on here. 02:22 He said no problem. He put a little safety pin there. 02:25 And I asked him to take care of the dry cleaning 02:28 in a specific way. 02:29 Not a problem at all. 02:30 As I was leaving I said, "So, what is the cost?" 02:33 As he filled out my little receipt, 02:35 and he said the cost is $16. 02:37 I said $16 for the suit, the four pieces, 02:40 as well as the buttons. 02:42 And he said sure. 02:43 And of course, I will add on, 02:45 I will sew on one of the buttons for you. 02:48 No, problem. 02:49 So I left and I came back to pick up the dry cleaning. 02:52 Now it's interesting because he wasn't there. 02:55 And someone else delivered the dry cleaning to me. 02:59 But when it was delivered, the buttons weren't there, 03:02 it wasn't sewn on 03:03 and I was still charged the $16. 03:05 And then when I asked about the dry cleaning, 03:08 the young lady that provided the dry cleaning bag said, 03:11 oh, that will be extra. 03:12 No, I said but, he didn't say it was extra. 03:15 It was a part of the total cost of dry cleaning. 03:19 So it should be just $16. 03:21 Oh, no, I'll have to charge you 03:22 two extra dollars for two buttons 03:25 and they still didn't sew it on the suit. 03:27 I was so irritated. 03:29 I couldn't believe that in an era right now, 03:32 we're down economy 03:33 and you need every kind of client that you can get, 03:36 that they are willing to lose a client over $2. 03:39 Yes, I was upset. It was an irritant to me. 03:41 It's something that I shouldn't have to go through 03:43 when I'm giving them my hard earned cash 03:46 $2 extra for a couple of buttons 03:48 that I could have bought for 50 cents somewhere else. 03:51 And that's where I am going to come from. 03:53 That was a minor stressor in my life. 03:56 And that is what you all came back to me about. 04:00 What, what can happen if financial issues 04:05 become a major concern in your life, 04:07 if you are not in control of your finances? 04:10 A lot can happen. Stress. 04:13 So we're gonna take our time over the next few programs 04:18 and talk a little about stress 04:20 and what stress has to do with finances. 04:23 Did you know 04:24 that there was a study done by Holmes and Rahe, 04:27 University of Washington in 1967. 04:29 And they came up with-- 04:31 at that time a total of 55 stressors, 04:34 55 stressors that can be associated 04:37 with outside activities in your life, 04:41 things that are associated 04:43 with external circumstances in your life. 04:46 They said that stress is the reason 04:49 for 2/3rds of the total visits to the physician, 2/3rds. 04:53 It's also the leading cause of coronary artery disease, 04:57 cancer, accidents, respiratory diseases 05:00 besides many others. 05:03 Stress aggravates 05:04 the following type of illnesses, 05:06 hypertension, insomnia, diabetes, 05:10 Herpes, multiple sclerosis etcetera, 05:12 besides, stress that continues for a long periods of time 05:17 can lead to poor concentration, irritability, anger 05:22 and poor management or poor judgment. 05:24 Stress leads to marriage breakups. 05:27 We're gonna touch on some of that a little later on. 05:30 Family fights, road rage, suicides and violence. 05:35 What are the biggest causes of present day stress today? 05:39 We're gonna lay that out for you. 05:41 I'm gonna give you the top five causes of stress 05:47 in our lives today. 05:49 The number five cause for stress in our lives 05:52 are irritants in our daily life, irritants. 05:55 Number four on the list is health, 05:58 medical concerns, long term care. 06:01 Number three on the list is personal relationships. 06:05 Number two is workplace stress 06:09 and number one reason for stress in life 06:13 is financial problems, financial problems. 06:17 When you take a look at financial literacy, 06:19 and what we're all dealing with, 06:20 from the context of understanding 06:22 and communicating our personal finance, 06:24 financial concerns, it provides us an opportunity 06:28 to address how finance is impacting our daily life 06:32 and how it's stressing us out. 06:34 We're all being stressed. 06:35 I told you a story about myself. 06:37 I go into a dry cleaner and the stress involved there. 06:41 A small stress. 06:42 It's a $2 overcharge, but yet, it's the fairness 06:46 that should have been there for them 06:47 in treating a client as a client 06:49 and following through on their word. 06:51 But we're all dealing with stress. 06:53 All you have to do is go to your mailbox 06:55 or talk to different individuals 06:57 about the different things that are going on. 06:59 We have to watch ourselves on the internet. 07:01 There's insurance fraud that is going on right now. 07:04 The insurance industry is a big industry. 07:07 They are close to 7,000 companies 07:08 collecting over one trillion dollars 07:12 in premiums of the course of a year, 07:13 one trillion dollars. 07:15 And I guess, you now know 07:16 the context of a trillion dollars. 07:19 One dollar being paid out every second 07:22 over the course of 31,000 years and gives you an idea 07:25 of how much money and what size this industry is. 07:29 Insurance also has to deal with fraud. 07:31 There is approximately $80 billion in fraud, 07:35 non-health based insurance being estimated 07:37 at approximately $80 billon per year. 07:40 80 billion, we have to concern ourselves 07:42 with mass marketing fraud. 07:44 We have to concern ourselves with identity theft. 07:48 Everything in our daily lives is stressing us out. 07:51 What we put on the internet is no loner our information, 07:54 it's out there permanently and it's gone. 07:56 We have major web portals right now that are telling us 08:01 that the information you put on that can be used 08:03 and sold as a profit to that organization. 08:06 And some of them, 08:08 even if you delete your account, 08:10 your information remains. 08:12 It causes you stress to understand the images. 08:15 And personal information can be used 08:17 and shared to develop profiles about you, 08:20 so that people can mass market to you 08:22 on a more strategic basis. 08:25 So you take a look at being financially literate. 08:26 It has a whole host of issues, 08:29 a whole host of relevant concerns 08:31 that we need to address on a personal basis. 08:34 When you look at what's going on 08:36 from the government standpoint of a very specific debt, 08:40 you understand why we should address this concern. 08:43 There's some statistics out there 08:45 that U.S. National debt 08:46 rises in average of $3.8 billion per day. 08:50 The U.S. Government borrows 08:53 approximately $5 billion on every business day. 08:57 Our current debt limit 08:59 or debt ceiling is at $15.3 trillion. 09:03 $15.3 trillion 09:05 can equate to approximately $50, 000 per man, 09:08 woman, and child in the United States 09:10 or approximately $135,000 per tax paying individual. 09:14 That's a lot of money and you understand that our nation, 09:18 as well as the globe is dealing with economic 09:21 and financial issues. 09:22 You hear about crisis in different countries. 09:24 You hear about small countries that are unable to even keep up 09:29 with the interest payment on their debts. 09:31 And you begin to understand 09:32 what type of setting is happening 09:35 in and around the globe. 09:38 And then you begin to talk about personal finance 09:41 and that is a reason why we're discussing this issue. 09:44 We are in a race. 09:45 We're in a race for the long haul. 09:47 And we have to understand that this race has to do 09:52 with understanding how we fit in the scheme of things. 09:56 And as Christians we understand that this race-- 09:58 As we've talked about in Hebrews 12, 10:00 also has a lot to do with another verse in Luke 12. 10:04 Luke 12:15 talks about, 10:06 "Take care and guard against greed, 10:10 because life does not consists in the abundance 10:14 of what one person possesses." 10:16 So it's not about what you possess, 10:18 it's what you do with it, 10:19 because the story about the rich young man 10:22 and how he dealt with all of his asserts that he had 10:26 and God held him accountable. 10:28 And that's the same thing that we should be thinking about 10:31 as we look at what God has blessed us with. 10:33 However much or however little we have, 10:36 we have to use it in a way that God can bless us. 10:43 And so we look at a variety of things 10:45 and how we can alleviate some of that stress 10:48 and we can get those specific issues very soon. 10:52 Now, I took some time to ask people 10:55 in Venice Beach, California, about this issue called stress. 11:00 I'd like to take you to my intro 11:01 and show you Venice Beach and what several questions 11:06 we're planning to discuss with these individuals 11:11 Hey, y'all, this is Cordell Thomas. 11:12 I'm here at Venice Beach, California. 11:14 It's a wonderful place to be, 11:16 where you would think that most people are relaxed. 11:18 You know, those individuals here 11:20 walk in up and down the stretch. 11:21 As I'm looking up and down and looking out at the beach, 11:23 the wonderful blue water 11:25 and you think that most people are in great shape, 11:28 crisis aren't happening, stress, life is stress free, 11:31 but that's not necessarily the case. 11:33 When you take a look 11:34 at the big picture of United States debt 11:37 or deficit this past year, in 2012 was $1.33 trillion, 11:42 one trillion dollars. 11:44 Do you have a concept of what one trillion is? 11:46 Well, here's one way of figuring it out. 11:48 If you spent a dollar a second, 11:50 you could spend a million dollars in 12 days. 11:53 You would spend a billion dollars in 31 years. 11:56 You would spend one trillion dollars 11:58 in 31,000 years. 11:59 That is the key 12:01 to understanding the volume of one trillion. 12:03 Yet, the United States debt, United States deficit 12:06 at this point in time, in 2012 is $1.33 trillion. 12:11 And that puts you a perceptive 12:13 on what's going on a national perceptive of national debt. 12:17 Bring it down to the family level, 12:19 and you begin to understand 12:20 that there's a lot of things going on. 12:22 This year with Take It To The Bank, 12:25 we'll be talking about a variety of issues that, 12:27 that delve into the top causes of stress in people's lives. 12:31 We'll also talk about the top causes 12:34 of financial problems 12:35 and we're going to be delving into those issues. 12:37 We are now at Venice Beach and we're gonna talk 12:40 to a variety of people today about stress. 12:42 What is stress? How do you deal with stress? 12:45 Who do you go to for advice 12:47 when you are in those kinds of stressful situation? 12:49 And we like to develop 12:51 a top ten list of stress causers in our life. 12:55 As we talk through those issues, 12:56 we'll begin to explain and answer questions 12:59 over this next quarter of sessions 13:02 with Take It To The Bank. 13:04 So we are here. 13:05 We're gonna be talking to few people. 13:06 I hope you will enjoy this series 13:08 and enjoy this segment. 13:12 How you doing? 13:14 I'm doing great, my friend. 13:15 Thanks for helping us out. No problem. 13:16 What would you consider 13:18 the biggest stress in your life right now? 13:19 Probably the biggest stress in my life 13:20 will be work most likely. 13:22 Okay. 13:23 And dealing with all the nonsense 13:25 and I work with family, so that's kind of-- 13:28 Well, you already how that could be? 13:30 I understand that clearly. 13:33 Catherine, what would you consider 13:34 the biggest stress in your life and why? 13:37 I would like to say the biggest stress in my life 13:39 would be my job. 13:41 Mainly the economy is, you know, it's still been bad 13:45 and continue to have more and more work, 13:48 especially as companies cut down 13:49 and things are continuing to try and progress, so. 13:55 What would you consider the biggest stress in your life 13:57 right now and why? 13:59 Financial, because I don't have enough of it. 14:01 Really? Yeah. 14:05 What you consider the biggest stress 14:06 in your life and why? 14:07 One of the biggest stresses in my life 14:09 I say is money right now 14:10 because there's a lot of great depression 14:11 and stuff like that is going on. 14:13 So money is a big issue in my life. 14:15 All right. 14:17 Next question would be, what would you consider 14:19 the biggest stress in your life and why? 14:22 My mom, because she stresses everything I do. 14:25 And she stresses that shouldn't be stressed 14:29 and I don't like to be stressed. 14:31 Oh, yeah. Yeah, yeah, yeah, that's bad. 14:34 First question to you is, what would you consider 14:36 the biggest stress in your life and why? 14:38 The biggest stress in my life today will be, 14:41 maybe a financial situations that I went through a family, 14:45 me raising two kids, being young, married guy, 14:48 you know, in the society. 14:50 So that will be a stress. 14:53 What would you consider the biggest stress 14:55 in your life today? 14:56 I think money will be the biggest stress. 14:59 Why? Because you need money. 15:01 I mean, people say money is not everything, 15:02 but it is everything. 15:04 You need to move around and stuff so-- 15:06 Okay. 15:08 Well, Linda, what would you consider 15:10 the biggest stress in your life? 15:12 My daughters. 15:14 Why? 15:17 I don't know. My daughters-- Because I care. 15:19 Because you care. 15:20 If I didn't care I wouldn't stress. 15:21 Exactly. 15:24 Stress, a major part of life. And guess what? 15:27 You guys cause me a little stress 15:29 because you respond sometimes to several of the programs 15:32 that we have placed on 3ABN. 15:35 It's quite interesting some of things you said. 15:36 One of the comments was-- 15:38 "Cordell, you look like you're having too much fun up there. 15:41 It doesn't look like you're serious." 15:43 Take me seriously. 15:47 This thing is more serious than you would ever think it is. 15:49 Debt is causing a lot of death, destruction, 15:51 and taking families apart 15:53 because people are not in control of their finances. 15:56 Remember, when we talked about, 15:57 when we said about being financially literate. 15:59 Being financially literate says that I know 16:01 where are my revenue is coming from. 16:03 Where are my pay check? Where are my money is coming? 16:05 I know where my expenses are. I have developed a budget. 16:08 I know exactly what I need to do 16:10 for future expenditures that I'm not aware of, 16:13 such as emergencies that come up. 16:15 Those emergencies can be as simple as a home fixture 16:19 that goes bad or a broken water heater, 16:22 to as much as a major medical bill 16:24 or even an emergency such as a job loss. 16:27 Many of these things can come in to take, 16:31 take a lot out of you and out of your funds 16:34 if you are not careful. 16:36 Many people are looking to get access to your money. 16:38 I'm getting calls at this point in time 16:41 because I actually took it upon myself to invite my wife 16:44 to go to one of these Timeshare things, 16:47 where you go and sit for 45 minutes to an hour, 16:50 turns out to be an hour and a half. 16:52 And then afterwards, 16:53 they try to hard sell you on something 16:55 you don't really necessarily that you don't need. 16:58 And then of course, they offer you this, 17:01 this enticement with a trip. 17:03 I tried it one time. And guess what happened? 17:06 That trip actually ended up costing more 17:09 because it really wasn't free. 17:10 You had to pay for certain items. 17:12 You had to pay for a couple of other things 17:13 and that could be considered fraud in certain areas. 17:17 We took much care in understanding now, 17:19 that when people call us, we don't answer them, 17:22 we don't take them seriously 17:24 unless we do our own due diligence on our research. 17:27 It's important that you do it and I take this very seriously 17:30 because many lives are being changed-- 17:33 We are not taking for, taking seriously 17:37 the impact that debt has on our lives 17:40 and we are looking at stress. 17:41 What was the top cause of stress? 17:43 As we saw in some of our takes on, 17:45 in Venice Beach, many of them mirrored the statistics 17:50 which said the number one cause of stress is finances. 17:53 Personal relationships is on number three. 17:56 And then work related stress is number two. 17:59 So, yes, I am having fun. 18:01 I have the sense of peace in my heart 18:04 and I always try to have a smile on my face. 18:06 Really, is it all that serious? But, yes, it is. 18:08 And I'm trying to convey that. 18:10 So the comment was very well taken. 18:12 That I don't want you to think that I'm sitting here 18:14 having a lot of fun, making light of this serious issue. 18:18 But my countenance is this. I'm at peace. 18:21 My life is not as stressful as most. 18:24 I try to take the Sabbath day off 18:26 and relax from all my duties and forget about debt 18:29 and management and finances. 18:31 And I think you should too, 18:32 in managing stress and understanding 18:34 how that stress impacts your life. 18:37 When I was a child, 18:38 I didn't have these issues of called stress. 18:41 My son doesn't worry about certain issues, 18:43 but he does see what his friends get. 18:46 And so I remember the conversation I had 18:49 when he decided to say, "Dad, I want to get a bike. 18:52 Can you just put on your credit card? 18:54 Can you buy it for me?" 18:55 Oh, it'd be easy to do when buying the gift. 18:57 But in teaching a lesson about what it means to buy something, 19:01 I gave him the goal of raising the $70 and 65 cents 19:05 to pay for the bike. 19:07 And he did. He worked hard. 19:08 He worked hard and he bought the bike. 19:10 I remember that day 19:12 and he walked proudly out with his bike 19:13 that, that the manufacturer put together for him. 19:16 And guess what? That bike is well taken care of. 19:19 It's always clean. He maintains it well. 19:22 He watches to who rides his bike. 19:25 And he makes sure 19:27 that everything is where it needs to be. 19:29 I don't know if he would have felt the same way 19:32 if we have just bought it, and there hadn't been any work 19:36 or labor involved in his acquisition. 19:39 So those are the major things I would like to convey to you. 19:41 This is a serious issue. 19:43 As we look at debt, as we look at stress, 19:48 I want you to know 19:49 that this issue takes a lot of energy out of a family. 19:54 It takes a lot of energy out of the setting, 19:57 the personal relationships that we do have. 20:00 And I suggest that you consider very seriously the needs, 20:05 the wants that you have. 20:06 It takes us back to expenses and financial literacy 101, 20:12 understanding where your money goes. 20:13 Understanding where your money comes from 20:15 and understanding that there are many things in life 20:18 that want to cause you stress. 20:20 Credit card ID theft, I showed you several of them. 20:23 But did you know avoiding holiday 20:26 spending blues is a major issue 20:29 that causes stress in people's lives? 20:32 I've received this in the mail. 20:34 And this is very interesting, I didn't even know this. 20:37 But avoid Christmas heart attacks. 20:39 Avoid Christmas heart attacks and the statement goes. 20:43 More Americans die from cardiac arrest 20:46 on Christmas day than any other day of the year. 20:49 Doctors have long speculated 20:51 on the cause for this holiday heart syndrome 20:55 attributing it to everything from cold weather, 20:58 and get this, to financial and family stress 21:02 to excessive eating and alcohol consumption. 21:06 You can avoid a great deal of stress 21:09 if you plan for those expenditures. 21:12 Plan for what you're gonna do at Christmas time. 21:14 Plan in January for your early budget 21:16 and figure out, I've allocated this amount of money 21:19 to be saved for expenses around Christmas time 21:22 during the holidays. 21:24 It will save you a lot of stress. 21:29 Now reasons for financial problems is threefold. 21:33 I will choose to talk to him in this manner. 21:36 One of the problems is 21:38 not learning from your past mistakes, 21:39 repeating the same thing over and over again, 21:41 by not developing the budget and adhering to it 21:44 and making sure it's a part of your life. 21:47 That is number one. So we repeat the same mistake. 21:49 We go into a store and we, oh, my goodness, 21:52 I need this right now, 21:53 they are having a fantastic sale. 21:54 Let me just put it on the credit card 21:56 and there we go again. 21:57 The cycle starts all over again. 22:00 I think it takes a certain level of interest 22:03 and concern for your family and for yourself to avoid this, 22:09 these stressful issues. 22:10 Number two is not understanding 22:13 that I am not the expert in finance 22:15 and seeking out someone's advice 22:18 on how to handle these type of issues. 22:22 The other issue surrounding that 22:24 is taking the advice of non-experts, 22:26 such as friends. 22:29 We go to friends and you will see 22:30 also in some of the footage that we took 22:33 that many of the people are gonna tell you 22:35 that the people like to seek, from my personal advice, 22:38 is my family or myself. 22:40 I take internalize and I come to a Zen moment 22:43 where I figure, I can make my decisions, 22:46 when I've been making the same mistakes in the past. 22:48 Look, if you want to get bread baked, 22:50 you don't go to a building builder 22:52 or someone who builds buildings. 22:54 You go to a bakery. You go to a baker. 22:56 The same issue about finances. 22:58 If you need expert help, go to someone 23:01 that knows about what you're talking about. 23:04 And the third issue is, 23:05 specially to what is your financial problem. 23:08 Is it taxes? Is it budgeting? 23:12 Are there liabilities and leans in your life? 23:14 Do you need consultation 23:16 on how to take care of credit issues? 23:20 Well, figure out what that expert, 23:22 who that expert is and go and talk to them. 23:26 It's very important that you do, 23:28 because not seeking the advice of the experts 23:31 will create a bigger problem 23:34 and exaggerate the simple problem 23:36 that could have been fixed, 23:41 So we take a look at the five major causes of stress 23:48 and I mentioned them earlier in the program. 23:50 Those started out as Number five, irritant. 23:54 What is an irritant in your life? 23:56 You know parent-teacher conferences. 23:59 It could be that long drive to work. 24:02 It could be as simple as dry-cleaning issue, 24:06 those things in life that just happen each and everyday. 24:10 Those are major irritants 24:12 and that is a number five cause of stress 24:15 that was taken in the specific poll. 24:17 People don't realize that stress, 24:20 not only impacts you as an individual, 24:22 it impacts your whole family. 24:24 There is this statistics that's out there, 24:26 statistic that's out there that says that, 24:29 families that have stress, 24:31 have teenagers that have stress. 24:34 And in fact, teenagers aged 13 to 17 24:38 are 45 percent likely to say 24:40 they have excessive stress in their lives. 24:42 And the parents, accordingly 24:44 think that the stress in their children's life 24:46 are not that high. 24:49 These things impact children. 24:50 There are stories that are out that tell us 24:53 some of the same exact things. 24:55 For example, the grip of poverty spans generations. 24:59 If we don't fix the problem now 25:02 and give our children a good example 25:04 of what to do in certain situations, 25:08 who to go to in crisis situations, 25:11 and the fact that budgeting and managing your money well 25:14 will solve a lot of their future concerns, 25:18 I think that we then can alleviate a lot of problems, 25:22 not only now in our lives, we as examples can show them 25:26 what to do and how to do it 25:27 and take care of a lot of those concerns. 25:29 That was number five, irritants in you life, 25:31 those little things that happen on a daily basis. 25:34 And then we go to number four 25:35 which is health, health concern. 25:37 Maintaining your health. 25:38 Taking care of yourselves, losing weight, 25:41 gaining weight, maintaining your weight, eating healthy, 25:45 taking care of medical issue, seeing your doctor, 25:49 and then of course, stress can happen 25:51 if you find a lump or something that shouldn't be where it is. 25:56 Those are concerns from a health based basis. 25:59 So that's the fourth major concern 26:02 and a cause of stress. 26:04 The number three cause of stress 26:06 comes down to personal relationships. 26:08 Studies show that children-- There's studies on children 26:12 of course, attitude towards the relatives, 26:14 arguments with the spouse on finances, 26:16 arguments with the spouse on children, 26:19 and rearing your children. 26:20 Should we spank? Should we timeout? 26:23 Placing illness that comes into relationships 26:27 and who takes care of your parents 26:29 and all of these issues become relevant 26:32 to the personal relationships. 26:33 You saw in some of our, our interviews 26:38 that stress was caused by personal relationships. 26:41 You saw the gentleman that talked about his mom. 26:43 You saw the gentleman that talked about 26:45 just the things that happen on a daily basis 26:47 because he works with family. 26:50 Those are major concerns and that is a top, 26:54 the third most prevalent reason for stress in people's lives. 27:00 Number two, workplace stress. We all know what it's like. 27:04 You hear about issues concerning your next promotion. 27:09 You hear issues concerning what you do 27:12 in reference to a employee evaluation, 27:17 all of these things can have a major issue on stress. 27:22 Number two is workplace stress 27:25 and you should it look at it seriously 27:27 because it doesn't go away 27:29 and, especially if you're looking at a job layoff, 27:32 there are issues that need to be addressed. 27:33 The number one reason, finances, financial issues. 27:38 Now we're gonna take finance to a whole different level 27:40 as we talk about how finance and stress 27:43 impact personal lives? 27:45 It's very interesting 27:47 to take a look at this issue caused stress. 27:48 You guys gave us the idea to do this program on stress. 27:53 Let's take a look at it as we Take It To The Bank 27:57 and save. 27:58 Thank you all for being here. |
Revised 2016-01-14