### WordPress - Web publishing software
Copyright 2011-2019 by the contributors
This program is free software; you can redistribute it and/or modify
it under the terms of the GNU General Public License as published by
the Free Software Foundation; either version 2 of the License, or
(at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA
This program incorporates work covered by the following copyright and
permission notices:
b2 is (c) 2001, 2002 Michel Valdrighi - m@tidakada.com -
http://tidakada.com
Wherever third party code has been used, credit has been given in the code's
comments.
b2 is released under the GPL
and
WordPress - Web publishing software
Copyright 2003-2010 by the contributors
WordPress is released under the GPL
---
### GNU GENERAL PUBLIC LICENSE
Version 2, June 1991
Copyright (C) 1989, 1991 Free Software Foundation, Inc.
51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA
Everyone is permitted to copy and distribute verbatim copies
of this license document, but changing it is not allowed.
### Preamble
The licenses for most software are designed to take away your freedom
to share and change it. By contrast, the GNU General Public License is
intended to guarantee your freedom to share and change free
software--to make sure the software is free for all its users. This
General Public License applies to most of the Free Software
Foundation's software and to any other program whose authors commit to
using it. (Some other Free Software Foundation software is covered by
the GNU Lesser General Public License instead.) You can apply it to
your programs, too.
When we speak of free software, we are referring to freedom, not
price. Our General Public Licenses are designed to make sure that you
have the freedom to distribute copies of free software (and charge for
this service if you wish), that you receive source code or can get it
if you want it, that you can change the software or use pieces of it
in new free programs; and that you know you can do these things.
To protect your rights, we need to make restrictions that forbid
anyone to deny you these rights or to ask you to surrender the rights.
These restrictions translate to certain responsibilities for you if
you distribute copies of the software, or if you modify it.
For example, if you distribute copies of such a program, whether
gratis or for a fee, you must give the recipients all the rights that
you have. You must make sure that they, too, receive or can get the
source code. And you must show them these terms so they know their
rights.
We protect your rights with two steps: (1) copyright the software, and
(2) offer you this license which gives you legal permission to copy,
distribute and/or modify the software.
Also, for each author's protection and ours, we want to make certain
that everyone understands that there is no warranty for this free
software. If the software is modified by someone else and passed on,
we want its recipients to know that what they have is not the
original, so that any problems introduced by others will not reflect
on the original authors' reputations.
Finally, any free program is threatened constantly by software
patents. We wish to avoid the danger that redistributors of a free
program will individually obtain patent licenses, in effect making the
program proprietary. To prevent this, we have made it clear that any
patent must be licensed for everyone's free use or not licensed at
all.
The precise terms and conditions for copying, distribution and
modification follow.
### TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION
**0.** This License applies to any program or other work which
contains a notice placed by the copyright holder saying it may be
distributed under the terms of this General Public License. The
"Program", below, refers to any such program or work, and a "work
based on the Program" means either the Program or any derivative work
under copyright law: that is to say, a work containing the Program or
a portion of it, either verbatim or with modifications and/or
translated into another language. (Hereinafter, translation is
included without limitation in the term "modification".) Each licensee
is addressed as "you".
Activities other than copying, distribution and modification are not
covered by this License; they are outside its scope. The act of
running the Program is not restricted, and the output from the Program
is covered only if its contents constitute a work based on the Program
(independent of having been made by running the Program). Whether that
is true depends on what the Program does.
**1.** You may copy and distribute verbatim copies of the Program's
source code as you receive it, in any medium, provided that you
conspicuously and appropriately publish on each copy an appropriate
copyright notice and disclaimer of warranty; keep intact all the
notices that refer to this License and to the absence of any warranty;
and give any other recipients of the Program a copy of this License
along with the Program.
You may charge a fee for the physical act of transferring a copy, and
you may at your option offer warranty protection in exchange for a
fee.
**2.** You may modify your copy or copies of the Program or any
portion of it, thus forming a work based on the Program, and copy and
distribute such modifications or work under the terms of Section 1
above, provided that you also meet all of these conditions:
**a)** You must cause the modified files to carry prominent notices
stating that you changed the files and the date of any change.
**b)** You must cause any work that you distribute or publish, that in
whole or in part contains or is derived from the Program or any part
thereof, to be licensed as a whole at no charge to all third parties
under the terms of this License.
**c)** If the modified program normally reads commands interactively
when run, you must cause it, when started running for such interactive
use in the most ordinary way, to print or display an announcement
including an appropriate copyright notice and a notice that there is
no warranty (or else, saying that you provide a warranty) and that
users may redistribute the program under these conditions, and telling
the user how to view a copy of this License. (Exception: if the
Program itself is interactive but does not normally print such an
announcement, your work based on the Program is not required to print
an announcement.)
These requirements apply to the modified work as a whole. If
identifiable sections of that work are not derived from the Program,
and can be reasonably considered independent and separate works in
themselves, then this License, and its terms, do not apply to those
sections when you distribute them as separate works. But when you
distribute the same sections as part of a whole which is a work based
on the Program, the distribution of the whole must be on the terms of
this License, whose permissions for other licensees extend to the
entire whole, and thus to each and every part regardless of who wrote
it.
Thus, it is not the intent of this section to claim rights or contest
your rights to work written entirely by you; rather, the intent is to
exercise the right to control the distribution of derivative or
collective works based on the Program.
In addition, mere aggregation of another work not based on the Program
with the Program (or with a work based on the Program) on a volume of
a storage or distribution medium does not bring the other work under
the scope of this License.
**3.** You may copy and distribute the Program (or a work based on it,
under Section 2) in object code or executable form under the terms of
Sections 1 and 2 above provided that you also do one of the following:
**a)** Accompany it with the complete corresponding machine-readable
source code, which must be distributed under the terms of Sections 1
and 2 above on a medium customarily used for software interchange; or,
**b)** Accompany it with a written offer, valid for at least three
years, to give any third party, for a charge no more than your cost of
physically performing source distribution, a complete machine-readable
copy of the corresponding source code, to be distributed under the
terms of Sections 1 and 2 above on a medium customarily used for
software interchange; or,
**c)** Accompany it with the information you received as to the offer
to distribute corresponding source code. (This alternative is allowed
only for noncommercial distribution and only if you received the
program in object code or executable form with such an offer, in
accord with Subsection b above.)
The source code for a work means the preferred form of the work for
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itself accompanies the executable.
If distribution of executable or object code is made by offering
access to copy from a designated place, then offering equivalent
access to copy the source code from the same place counts as
distribution of the source code, even though third parties are not
compelled to copy the source along with the object code.
**4.** You may not copy, modify, sublicense, or distribute the Program
except as expressly provided under this License. Any attempt otherwise
to copy, modify, sublicense or distribute the Program is void, and
will automatically terminate your rights under this License. However,
parties who have received copies, or rights, from you under this
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**5.** You are not required to accept this License, since you have not
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Program), you indicate your acceptance of this License to do so, and
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the Program or works based on it.
**6.** Each time you redistribute the Program (or any work based on
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You are not responsible for enforcing compliance by third parties to
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**7.** If, as a consequence of a court judgment or allegation of
patent infringement or for any other reason (not limited to patent
issues), conditions are imposed on you (whether by court order,
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License, they do not excuse you from the conditions of this License.
If you cannot distribute so as to satisfy simultaneously your
obligations under this License and any other pertinent obligations,
then as a consequence you may not distribute the Program at all. For
example, if a patent license would not permit royalty-free
redistribution of the Program by all those who receive copies directly
or indirectly through you, then the only way you could satisfy both it
and this License would be to refrain entirely from distribution of the
Program.
If any portion of this section is held invalid or unenforceable under
any particular circumstance, the balance of the section is intended to
apply and the section as a whole is intended to apply in other
circumstances.
It is not the purpose of this section to induce you to infringe any
patents or other property right claims or to contest validity of any
such claims; this section has the sole purpose of protecting the
integrity of the free software distribution system, which is
implemented by public license practices. Many people have made
generous contributions to the wide range of software distributed
through that system in reliance on consistent application of that
system; it is up to the author/donor to decide if he or she is willing
to distribute software through any other system and a licensee cannot
impose that choice.
This section is intended to make thoroughly clear what is believed to
be a consequence of the rest of this License.
**8.** If the distribution and/or use of the Program is restricted in
certain countries either by patents or by copyrighted interfaces, the
original copyright holder who places the Program under this License
may add an explicit geographical distribution limitation excluding
those countries, so that distribution is permitted only in or among
countries not thus excluded. In such case, this License incorporates
the limitation as if written in the body of this License.
**9.** The Free Software Foundation may publish revised and/or new
versions of the General Public License from time to time. Such new
versions will be similar in spirit to the present version, but may
differ in detail to address new problems or concerns.
Each version is given a distinguishing version number. If the Program
specifies a version number of this License which applies to it and
"any later version", you have the option of following the terms and
conditions either of that version or of any later version published by
the Free Software Foundation. If the Program does not specify a
version number of this License, you may choose any version ever
published by the Free Software Foundation.
**10.** If you wish to incorporate parts of the Program into other
free programs whose distribution conditions are different, write to
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the Free Software Foundation, write to the Free Software Foundation;
we sometimes make exceptions for this. Our decision will be guided by
the two goals of preserving the free status of all derivatives of our
free software and of promoting the sharing and reuse of software
generally.
**NO WARRANTY**
**11.** BECAUSE THE PROGRAM IS LICENSED FREE OF CHARGE, THERE IS NO
WARRANTY FOR THE PROGRAM, TO THE EXTENT PERMITTED BY APPLICABLE LAW.
EXCEPT WHEN OTHERWISE STATED IN WRITING THE COPYRIGHT HOLDERS AND/OR
OTHER PARTIES PROVIDE THE PROGRAM "AS IS" WITHOUT WARRANTY OF ANY
KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE
PROGRAM IS WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME
THE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.
**12.** IN NO EVENT UNLESS REQUIRED BY APPLICABLE LAW OR AGREED TO IN
WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MAY MODIFY
AND/OR REDISTRIBUTE THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU
FOR DAMAGES, INCLUDING ANY GENERAL, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE
PROGRAM (INCLUDING BUT NOT LIMITED TO LOSS OF DATA OR DATA BEING
RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A
FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF
SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.
### END OF TERMS AND CONDITIONS
### How to Apply These Terms to Your New Programs
If you develop a new program, and you want it to be of the greatest
possible use to the public, the best way to achieve this is to make it
free software which everyone can redistribute and change under these
terms.
To do so, attach the following notices to the program. It is safest to
attach them to the start of each source file to most effectively
convey the exclusion of warranty; and each file should have at least
the "copyright" line and a pointer to where the full notice is found.
one line to give the program's name and an idea of what it does.
Copyright (C) yyyy name of author
This program is free software; you can redistribute it and/or
modify it under the terms of the GNU General Public License
as published by the Free Software Foundation; either version 2
of the License, or (at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA.
Also add information on how to contact you by electronic and paper
mail.
If the program is interactive, make it output a short notice like this
when it starts in an interactive mode:
Gnomovision version 69, Copyright (C) year name of author
Gnomovision comes with ABSOLUTELY NO WARRANTY; for details
type `show w'. This is free software, and you are welcome
to redistribute it under certain conditions; type `show c'
for details.
The hypothetical commands \`show w' and \`show c' should show the
appropriate parts of the General Public License. Of course, the
commands you use may be called something other than \`show w' and
\`show c'; they could even be mouse-clicks or menu items--whatever
suits your program.
You should also get your employer (if you work as a programmer) or
your school, if any, to sign a "copyright disclaimer" for the program,
if necessary. Here is a sample; alter the names:
Yoyodyne, Inc., hereby disclaims all copyright
interest in the program `Gnomovision'
(which makes passes at compilers) written
by James Hacker.
signature of Ty Coon, 1 April 1989
Ty Coon, President of Vice
This General Public License does not permit incorporating your program
into proprietary programs. If your program is a subroutine library,
you may consider it more useful to permit linking proprietary
applications with the library. If this is what you want to do, use the
[GNU Lesser General Public
License](http://www.gnu.org/licenses/lgpl.html) instead of this
License.
Learning from Evelyn’s financial mistakes: How to handle sudden monetary gains? - sinth.info
How familiar are you with Evelyn Marie Adams, the American lottery winner who achieved the remarkable feat of winning the New Jersey Lottery on two separate occasions, in 1985 and 1986, amassing a total prize of over $5.4 million (both winnings were disbursed as mandatory annuities)? Hitting the jackpot twice made her insanely rich and famous. Nevertheless, she struggled with compulsive gambling, losing substantial amounts both at Atlantic City casinos and through a series of wagers.
Despite Evelyn’s fortune in winning the lottery twice, the impact was not quite what one might anticipate. Two decades following her historic victory, Evelyn found herself residing in a trailer park, devoid of financial means.
Looking at how she dwindled away her winnings in gambling and wrong investment choices, Evelyn reminisces, “Winning the lottery isn’t always what it’s cracked up to be. I won the American dream but I lost it, too. It was a very hard fall. It’s called rock bottom.”
There are many like Evelyn out there who have not been able to handle their windfall gains any better. Sudden affluence can profoundly influence your way of life and aspirations. While it can swiftly provide financial stability and empower you to pursue your dreams unhindered, it may also present a variety of challenges.
Sudden financial gain can be stressful
The initial phases of a sudden financial gain can be quite anxiety-inducing. It represents a significant life change, requiring time for both your body and mind to adapt. Furthermore, there is substantial pressure to make prudent financial choices with your newfound wealth.
A considerable number of individuals who come into a substantial, unforeseen amount of money are unlikely to retain any of it within a few years. Here are some guidelines for handling the stress associated with a financial windfall:
Allow yourself time to adapt: Take the necessary time to absorb your new financial situation and decide how you want to manage your money. Avoid feeling pressured to make hasty decisions.
Seek advice from a trusted individual: Engage in conversations with a confidant, whether it’s a friend, family member, or financial advisor. This can aid in processing emotions and formulating a strategic plan for your finances.
Avoid impulsive choices: Refrain from making impromptu financial decisions with your newfound wealth. Take time to reflect and seek professional guidance before committing to significant purchases or investments.
Practice patience: Managing a substantial sum of money wisely is a skill that develops over time. Don’t be disheartened by mistakes; instead, view them as learning opportunities and continue progressing.
Focus on your priorities
Before you set out to decide what you want to do with your money or how to secure your financial future, pay attention to certain essential habits that will help you use your finances better in the long run.
Repay high-interest debt: Prioritise addressing loans and liabilities before they escalate into a substantial, lingering debt that may become challenging to eliminate if not addressed promptly. Before making decisions about your money or securing your financial future, it’s crucial to manage and settle outstanding loans and liabilities.
Many overlook the fact that using unexpected wealth to pay off high-interest debt is among the most effective financial strategies. High-interest debt, particularly credit card debt, can pose a significant financial challenge. Clearing such debt not only saves money on interest but also enhances your credit score.
Build an emergency fund: Setting up an emergency fund is another crucial method for utilising unexpected wealth. This fund, set aside in a savings account, serves to address unforeseen expenses like job loss, medical bills, or car repairs. By having an emergency fund, you can steer clear of accumulating debt or resorting to selling assets when faced with unexpected financial challenges.
Financial advisors suggest accumulating a reserve equivalent to three to six months of living expenses in your emergency fund. Nonetheless, if your occupation carries a heightened risk of job loss or if you have numerous dependents, it might be prudent to save a more substantial amount.
Set aside for the future too: Using unexpected wealth for future investments is another pivotal strategy. After settling high-interest debt and establishing an emergency fund, consider directing the remaining funds into investments. Investing provides the opportunity to increase your wealth over time, aiding in the realisation of financial objectives like saving for retirement or purchasing a home.
Numerous investment options exist, underscoring the importance of selecting investments aligned with your risk tolerance and financial objectives. Risk tolerance pertains to your capacity to withstand losses. Individuals with a low risk tolerance might opt for more conservative investments like bonds, while those with a high risk tolerance might be open to more volatile investments such as stocks.
How to handle sudden monetary gains?
In the current scenario, making prudent financial decisions and readying oneself for unforeseen wealth is of heightened importance. The sudden acquisition of a significant amount of money can be overwhelming, and errors made during this time could carry enduring consequences.
Devise a financial plan: Establish a comprehensive financial plan to guide judicious decisions regarding spending, saving, and investing. Your financial plan should encompass clearly defined goals, a budget, and an investment strategy.
Identify your monetary objectives—are you aiming for early retirement, homeownership, or entrepreneurship? With these goals in mind, formulate a plan to attain them.
Next, construct a meticulous budget to monitor your expenditures and ensure that you are living within your financial means. Regularly update your budget to align with any changes in your financial circumstances.
Once you’ve outlined how you want your money to work for you, craft an investment strategy. Investing serves as a means to incrementally grow your wealth over time. Given the array of investment options, it is imperative to select investments aligned with your risk tolerance and financial aspirations.
Seek expert advice: Consulting with a financial advisor is an excellent approach to ensure that you are making prudent financial choices with your unanticipated wealth. A financial advisor can assist you in creating a customised financial plan that aligns with your specific needs and objectives. Additionally, they can guide you in steering clear of common financial pitfalls.
Learning personal finance: Gaining knowledge about personal finance is imperative for prudently managing unforeseen wealth. The more well-informed you are about personal finance, the more adept you become at making sound financial decisions. Numerous resources, such as books, articles, websites, and online courses, are at your disposal to aid in your understanding of personal finance.
Begin your financial education by grasping the fundamentals, covering areas like budgeting, saving, investing, and debt management. A wealth of books, articles, and informative websites delve into these subjects, offering valuable insights to enhance your understanding.
Next, endeavour to understand various investment options. Diverse opportunities exist, ranging from stocks and bonds to mutual funds and real estate. Before investing in any funds, it’s crucial to familiarise yourself with the distinct characteristics, risks, and potential rewards associated with each type of investment.
Remember to keep up with financial news and articles, as they can assist you in staying informed about the latest financial trends and gaining insights into various financial products and services.
Be mindful of your spending habits: Practicing caution with your expenditures is crucial when you come into a significant sum of money. While it may be tempting to overspend with newfound wealth, it’s essential to recognise that your financial abundance is not inexhaustible.
Begin by establishing a budget, as it enables you to monitor your income and expenses, ensuring that you stay within your means.
Be wary of marketing tactics and resist the urge to make major purchases immediately. Adopt a 24-hour rule, allowing time for thoughtful consideration, evaluating the necessity, and comparing prices from different retailers. Additionally, steer clear of impulse buying. Refrain from instant purchases; instead, take several days or even a week to assess whether the desired item remains a genuine priority.
Do not just lend your money to everyone. It’s beneficial to decline money requests assertively. Disregard appeals for financial assistance, even from friends and family. It’s perfectly acceptable to decline such requests, as you are not obligated to address everyone else’s financial challenges.
Fate can unexpectedly bring wealth to your doorstep. However, such a sudden windfall should not encourage frivolous financial behaviour; instead, it should serve as a cautionary signal against unforeseen pitfalls that often accompany a sudden influx of money. Ensure a secure and fulfilling financial future by making prudent financial decisions with your unexpected wealth.
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