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'''Financial independence''' is generally used to describe the state of having sufficient personal wealth to live, without having to work actively for basic necessities.<ref name="Cummuta_Nightingale">Cummuta, John.  "[http://www.nightingale.com/ae_article.aspx?a=achievingfinancialindependence&i=217 The Myths & Realities of Achieving Financial Independence]". Nightingale Conant. Retrieved on 14-Sep-2009</ref> For financially independent people, their assets generate [[income]] that is greater than their [[expenses]]. For example, a person's quarterly expenses may total $4000. They receive [[dividend]]s from stocks they have previously purchased totaling $5,000 quarterly, while also having more money in other assets. Under these circumstances, a person is financially independent. A person's assets and liabilities are an important factor in determining if they have achieved financial independence. An ''asset'' is anything of value that can be liquidated if a person has debt, whereas a ''liability'' is related to debt, in that it is the responsibility of one possessing it to provide compensation. (Homes and automobiles with no [[lien]]s or [[Mortgage law|mortgages]] are common assets.)
 
It does not matter how old or young someone is or how much money they have or make. If they can generate enough money to meet their needs from sources other than their primary occupation, then they have achieved financial independence. Age is potentially irrelevant with respect to financial independence. If they are 25 years old and their expenses are only $100 per month and they have assets that generate $101 or more per month, they have achieved financial independence, and they are now free to do things that they enjoy without having to worry as much. If, on the other hand, they are 50 years old and earn a million dollars a month but still have expenses above a million dollars a month, then they are not financially independent because they still have to generate the difference each month just to stay even. However, this needs to take into consideration the effects of [[inflation]]. If a person needs $100/month for living expenses today, that figure will be $105/month next year and $110.25/month in the following year to support the same lifestyle assuming a 5% annual [[inflation rate]]. Therefore, if the person in the above example obtains their [[passive income]] from a [[perpetuity]], there will be a time when they lose their financial independence because of inflation.
 
==Approaches to Financial Independence==
Since there are two sides to the assets and [[expenses]] equation, there are two main directions one can focus their energy: accumulating assets or reducing their expenses.
 
===Asset Accumulation===
Accumulating assets can focus one or both of these approaches:
* Gather revenue generating assets until the generated revenue surpasses living/liability expenses.
* Gather enough liquid assets to then sustain all future living/liability expenses
 
===Expense Reduction===
Another approach to financial independence is to reduce regular expenses while accumulating assets, to reduce the amount of assets required for financial independence. This can be done by focusing on [[simple living]], or other strategies to reduce expenses.<ref>{{cite book|url=http://books.google.com/books?isbn=145360121X|title=Early Retirement Extreme: A philosophical and practical guide to financial independence}}</ref><ref>{{cite book|url=http://books.google.com/books?isbn=0143115766|title=Your Money Or Your Life: 9 Steps to Transforming Your Relationship With Money And Achieving Financial Independence}}</ref>
 
===Calculation===
A general calculation for the time required to reach financial independence is as follows:
:<math> Years \; Until \; FI = \frac{\frac{Yearly \; Expenses}{Withdrawal \; Rate} - Net \; Worth}{Yearly \; Earnings \; After \; Tax \cdot Savings \; Rate} </math>
 
An example of someone making $30k/year, with yearly expenses of $10k, paying 25% taxes, with a savings rate of 75%, a net worth of $5k, and withdrawing 4% per year:
:<math> \frac{\frac{\$10,000}{4 \%} - \$ 5000}{\$30,000 \cdot 75 \% \cdot 75 \%} = 14.5 \; years </math>
 
==Passive sources of income to achieve financial independence==
{{See also|Passive income}}
The following is a non-exhaustive list of sources of [[passive income]] which potentially yields financial independence.
* Rental property
* Dividend from stocks, bonds and income trusts
* Bank [[Time deposit|fixed deposits]] and monthly income schemes
* Royalty from creative works,<ref>{{cite web|title=What is Passive Income?|url=http://www.investormonkey.com/2013/07/what-is-passive-income/|publisher=Investor Monkey|accessdate=4 July 2013}}</ref> e.g. photographs, books, [[patent]]s, music, etc.
* [[Alimony]], [[Child Support]] or [[Child Trust Fund]]
* Renting out professional or academic qualifications <ref>CCIE Pursuit.  "[http://cciepursuit.wordpress.com/2007/09/27/rent-your-cisco-certification-for-cash/ Rent Your Cisco Certification For Cash]"  Retrieved on 14-Sep-2009</ref>
* Interest earned from deposit accounts, money market accounts or loans
* [[Oil leases]]
* [[Security (finance)|Notes]]
* [[Business]] ownership
* [[Patent licensing]]
* [[Trust deed (real estate)]]
* [[Life annuity]]
* [[Pensions]]
* [[Affiliate marketing]]
 
==References==
<references/>
 
==Further reading==
*[[Vicki Robin]] and Joe Dominguez (1992) ''Your Money or Your Life'', Viking. ''Your Money or Your Life: Revised and Updated for the 21st Century'', published by [[Penguin Books]] in December 2008 by Vicki Robin with Monique Tilford and contributor Mark Zaifman.
*Jacob Lund Fisker (2010) ''Early Retirement Extreme: A philosophical and practical guide to financial independence'', ISBN 978-1453601211
 
[[Category:Income]]
[[Category:Personal finance]]
[[Category:Retirement]]
[[Category:Wealth]]

Latest revision as of 21:24, 31 July 2014

It involves expertise and knowledge of various tools and technologies used for creating websites. Also, you may want to opt for a more professioanl theme if you are planning on showing your site off to a high volume of potential customers each day. Your parishioners and certainly interested audience can come in to you for further information from the group and sometimes even approaching happenings and systems with the church. Keep reading for some great Word - Press ideas you can start using today. You can customize the appearance with PSD to Word - Press conversion .

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