### 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
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### TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION
**0.** This License applies to any program or other work which
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### 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.
The Real Meaning Of “Integrity” In Financial Planning - sinth.info
Some words get overused to the point that their true meaning is obscured. I’m pretty sure if we could scan all the company mission and values statements, most of which have gathered dust since their initial articulation, the word “integrity” would be among the Top 10 invoked—maybe the Top 5.
Of course, with the benefit of AI now, we don’t have to wonder. I asked ChatGPT, “What are the most common words used in corporate mission or values statements?” Guess what was numero uno?
Integrity. 😬
Integrity
getty
And what companies include the word in their missions? IBMIBM, 3M, Lockheed MartinLMT, Dupont, PfizerPFE, Marriott, Procter & GamblePG, and WalmartWMT, to name more than a few.
But what does “integrity” actually mean? If we conducted a late-night show street interview series and asked people what integrity means, what do you think they would say? What would you say?
I think the consensus would fall somewhere in the milk-toast range of “being a good person” to “doing the right thing.” But could those possibly be the defining characteristics of this word seemingly elevated to the pinnacle of human and corporate existence? Those definitions seem more like table stakes to me.
Hmmm…
ChatGPT
I believe the true essence of this word is captured in a definition that is no less simple, but much more challenging—especially in the Age of Image in which we live:
Integrity is doing what you say.
Harvard social scientist, Arthur Brooks, says in his “How To Build A Life” column for The Atlantic, “[Integrity] is about being consistent in your actions and your words, even when no one is watching.”
Simple, but not easy. And there are few areas of life where integrity is more applicable than in our personal financial planning. Show me your credit card statement and checking account register, and I’ll tell you what your priorities are.
How then might we apply the true meaning of integrity in our financial planning?
First, in order for our actions to be consistent with our words, we need to start with words. Whatever you want to call it—a mission statement, statement of values, or just a list of priorities—we need to have a guiding declaration of intention. You need to know what you want to be about in life to align your money. You are the CEO of You, inc., in charge of establishing the vision for your household. Your words become the plumbline, the measuring stick, for your actions—your spending.
Second, you need to track your spending. Like it or not, you are also your household’s Chief Financial Officer. Imagine you were called into a Board meeting as the CFOCFO and asked to report on the inflows and outflows. What would your response be? “Well, it comes in and it goes out…” You’d be fired on the spot. Even if you’ve outsourced the CFO duties to a financial advisor, you’re responsible for your spending, and as Deion Sanders says, “The only way through it is to go through it.” In other words, there’s no way to track your spending but to budget. (If you need a nudge, my personal favorite budgeting tool is YNAB—You Need A Budget.)
Lastly, there is a way to hack your budgeting and ensure your actions match your words in your spending—automation. If generosity is a family value, automate your gifts. If saving for college is important, open a 529 and automate your savings. If recreating your income when you may not be able to work is important, make automatic contributions to your 401(k)—and better yet, use the auto-escalation feature, which will increase your contribution by a set amount every year. If family experiences are important, automate your vacation savings. Want to accelerate your debt repayment? Automate. There’s likely a way to automate each of the values and priorities that you articulate. You make a single decision that will replicate itself every month, and once you’ve automated your most important goals, you can spend whatever’s left, guiltfree.
The biggest challenge we have in applying the principles of integrity in our financial planning is in not doing the work to understand and articulate our own values. There’s no shortcut here. You can’t borrow Dave Ramsey, Suze Orman, or even Ramit Sethi’s values. You can’t borrow your financial advisor’s values, either—in fact, some of the most important work of the best financial advisors is their skillful qualitative discovery that helps you articulate your priorities.
The reason borrowed priorities don’t work is that, unless they are an impulsion—inspired from within—they won’t have the necessary motivational force to help you stay the course. Yes, that means that the most important exercise in all of financial planning is to discern—and regularly revisit and update—what’s most important to you in life. Only then can you live and spend with integrity.
I’m the Chief Advisory Officer for SignatureFD and the author of “Simple Money: A No-Nonsense Guide to Personal Finance.” I’m not spouting untested philosophy—I’ve worked with clients and advisors for more than 20 years. Most importantly, I’m living this stuff out in my foremost roles in life as a husband, father, and human. A student of communication, I enjoy the practice in television (NBC’s TODAY Show, CNBC, ABC, CBS, NBC and Fox) radio (NPR) and print (featured in The Wall Street Journal, The New York Times, Kiplinger’s and Money magazines, among others).