Living Below Your Means

Terry Deru of Utah knows that there are many people who are trying to save money. They want to do the right thing and establish an emergency fund for themselves, they want to save for their children’s college education, and they want to prepare for their retirement. However, doing all of these things can be extremely difficult. Financial planning is not always an easy process, and committing to it can be even harder for many. But there is hope through practice. As the saying goes, “Practice makes perfect.”

Terry Deru of Utah and many other financial planners believe that couples that a family that has two incomes should try practices living as if they have one. This produces a variety of benefits for the family. If they are considering having a baby and living off one income, then testing it while you have two incomes coming in will help gauge how prepared a they are for a child. During this time, Terry Deru of Utah and other financial planners would recommend saving the second income completely during this time, or at possibly half if they couple learns they are not ready to live off one income.

Living below your means is great financial practice, Terry Deru of Utah suggests. The long-term benefits of making such actions will help families to achieve financial security for a longer time in the extended years of their lives. Terry Deru of Utah has been recognized for his success helping clients with their financial needs in Newsweek magazine; the article ranks him as one of the top fifty financial planners in the United States.

Terry Deru of Utah - A Dedicated Family Man and Professional

Terry Deru of Utah is a highly dedicated and highly motivated professional who is currently working independently in the professional world.

Terry has more than 30 years of valuable experience as an independent investor, business entrepreneur, and successful consultant who helps businesses develop their success in the financial world. He has the proven ability to provide expert advice to his partners and the businesses he invests in in order to improve results. After the immense amount of time he has spent in the financial and professional world, he has developed a foresight that allows him to better judge a business’ future success in the current market. No matter the business or the current project at hand, he gives all his work the utmost effort possible and never shies away from a professional challenge.

Terry Deru of Utah was educated at the prestigious University of Utah and received his Bachelor of Arts degree in Finance in 1977. He would later go on to receive his Master’s degree in Business Management from the same institution in 1979. He was publicly recognized for his academic achievements while attending school and was rewarded with memberships into the schools most prestigious academic societies. After graduating from college and graduate school, he worked in the professional world as a certified financial planner from 1981 to 2007 where achieved a great deal of success and public recognition.

Terry Deru of Utah has developed quite the successful career as an independent finance professional, business entrepreneur, and business consultant. With over 30 years of valuable experience, he has developed a reputation for himself for being business savvy and a good professional to partner with on prospective business opportunities. His family and his church act as a strong motivation for all his success and whatever success he achieves in his professional career, he owes to them.

As a member of the Church of Jesus Christ of Latter Day Saints, Terry Deru of Utah has served in over 15 different positions as lay clergy. He also served on a two year mission for the church in France, Luxemburg, and Belgium. The mission lasted from September of 1973 through August of 1975. He held several leadership roles while serving on the mission and lived in numerous cities all across Western Europe. Terry also enjoys spending most of his free time with his seven children and 12 grandchildren whenever possible. He enjoys hiking, camping, and generally being outdoors with his family. He also enjoys water skiing, sailing, and playing golf.

Terry Deru of Utah - Achieving Success for His Family

Terry Deru of Utah is deeply committed to his career as an independent professional and business entrepreneur. He has spent his entire career in the financial sector of the professional world and has developed the skills necessary to be a successful investor.

Terry Deru thoroughly enjoys the work he does as an independent professional and enjoys the free time that his career offers even more. His family acts as his motivation for success, and nothing comes ahead of them on his list of priorities. His children acted and still act as the motivation behind his dream to develop innovative ways to better education children all over the world. He understands how important the future of this world is, and he also understands that the future of the world starts with better educating the children that will be running it in the future.

Terry Deru of Utah graduated from the e University of Utah in 1977 with a Bachelor of Arts degree in Finance. He graduated Magna Cum Laude for his academic achievements and hard work throughout his undergraduate career. Only two short years later, he graduated from the same institution with a Master’s degree in Business Administration. He was publicly recognized for his academic achievements by being awarded memberships into the school’s most prestigious academic societies. He has helped more than 250 businesses over the last three full decades in order to place them on the path to long lasting success.

Terry Deru of Utah has developed quite the successful career as an independent finance professional, business entrepreneur, and business consulter. With over 30 years of valuable experience, he has developed a reputation for himself for being business savvy and a good professional to partner with on prospective business opportunities.

His family and his church act as a strong motivation for all his success and whatever success he achieves in his professional career, he owes to them. As a member of the Church of Jesus Christ of Latter Day Saints, Terry Deru of Utah has served in over 15 different positions as lay clergy. He also served on a two year mission for the church in France, Luxemburg, and Belgium. The mission lasted from September of 1973 through August of 1975. He held several leadership roles while serving on the mission and lived in numerous cities all across Western Europe.

Terry also enjoys spending most of his free time with his seven children and 12 grandchildren whenever possible. He enjoys hiking, camping, and generally being outdoors with his family. He also enjoys water skiing, sailing, and playing golf.

The Mighty 5 - Utah’s Top National Parks

Among the many beautiful places to see in Utah are the Mighty 5 or the top National Parks found in the state. These parks draw several million visitors a year from across the world and are a must see if you are going to be in the state. They are full of breathtaking scenery and many activities.

Arches National Park is a 73,234- acre utopia of wind-swept sandstone fins, ribs, towers, balanced rocks and arches. It is located northwest of Moab. This park features over 2,000 arches over 3 feet wide in the entire world.

Bryce Canyon National Park offers magnificent coral-colored rock formations, 5,000 year old Bristlecone pine trees and excellent opportunities for winter sports like cross-country skiing and snowshoeing. It is at elevation levels of 8,000 to 9,000 feet.

Canyonlands National Park was formed by the currents and offshoots of Utah’s Green and Colorado Rivers, creating mile after mile of deep canyons, pinnacles, cliffs, and towering mesas. At over 527 square miles Canyonlands has four different districts, each offering unique landscapes and experiences.

Capitol Reef National Park is one of the less visited parks but the effort is takes to explore it is worth it. The 100-mile Waterpocket Fold is a must see. When walking through the untouched beauty of Capitol Reef, it is easy to imagine what the world may have looked like millions of years before life existed on Earth.

Zion National Park offers something for every nature lover in its 147,000 acre land. Between red and white Navajo sandstone rock walls reaching over 2,000 feet, and 200 bird species, there is beauty throughout this park.

Terry Deru from Utah is able to see the wonder of the Mighty 5 at his leisure since he lives so close to many of the parks. He enjoys camping and hiking in many places his home state has to offer.

Golf - A Scottish History

Although golf’s ancient origins are unclear, the game we know today was started in the Kingdom of Fife on the eastern coast of Scotland during the 15th century. The game was played using the natural landscapes of sand dunes, rabbit runs and tracks. Players used a stick or simple club to hit a pebble around the course.

Golf rose in popularity so much by the mid-15th century that it had to be outlawed by the parliament of King James II in 1457, because it caused enthusiastic Scots to neglect military training. Although the ban was reiterated in both 1470 and 1491, people continued to ignore it and love for the sport grew. Finally in 1502 King James IV (James I of England) lifted the ban with the Treaty of Glasgow and started to play golf himself. The game’s popularity skyrocketed after its royal endorsement, being popularized by royals King Charles I in England and Mary Queen of Scots in France. The term caddie, incidentally, has French origins, referring to French Military members called cadets.

The first rules of the game were drafted by Duncan Forbes at the first golf association, the Gentleman Golfers Club at Leith, in 1744. The first women’s golf club was formed in 1895. By this time clubs were made of beech or fruit tree wood and the heads were made of hand-forged iron. Shafts were usually ash or hazel and balls were made from tightly compressed feathers, wrapped in a horse hid sphere that was stitched together.

Today golf is played and watched all over the world. Terry Deru Utah sports a 15 handicap in the game and loves to play as often as he can.

The Declaration of Independence - More Than The Preamble

The Declaration of Independence is a document that most American children study during grade school. This seminal paper was written in the summer of 1776 at the Second Continental Congress to explain why the 13 North American colonies wanted to become an independent county and leave the rule of Great Britain.

It is often recognized by its Preamble, which states, “We hold these truths to be self-evident; that all men are created equal; that they are endowed by their Creator with certain inalienable rights; that among these are life, liberty and the pursuit of happiness; that to secure these rights, governments are instituted among men, deriving their just powers from the consent of the governed.”

But The Declaration of Independence is much more than those few sentences. The body of the Declaration is a list of grievances against the British government and King George and explains the reasons why the colonists want to become independent. Although this part of the document is often overlooked, it is provides a look into why the colonists felt so strongly that they would go to war, fighting for the idea of a country that was not yet formed. The writing of the Declaration took 17 days and involved a committee of five members: Thomas Jefferson, John Adams, Benjamin Franklin, Roger Sherman and Roger R. Livingston.

For American History buffs like Terry Deru, the Declaration of Independence inspires feelings of patriotism and pride. Terry Deru lives in Layton, Utah with his family of seven children and twelve grandchildren.

Football - A History

American football has a deep history that can be traced back to the mid-19th century in Britain. It can be traced to early versions of rugby and association football. They started as games in which a ball was kicked with the foot toward a goal, or run over the goal line.

Walter Camp, known as the “Father of America Football,” introduced the line of scrimmage and down-and-distance rules among others, helping to shape football into the sport we know today. College football became the dominant version of the sport in the first half of the 20th century. A college football tradition was soon formed known as Bowl games, attracting a national audience and creating intense rivalries, some of which still hold today.

Professional football’s origins can be traced back to 1892 when William “Pudge” Heffelfinger was paid $500 to play for the Allegheny Athletic Association against the Pittsburgh Athletic Club.

In 1920 the American Professional Football Association was formed. The name was changed to the National Football League (NFL) in 1922 and is now the major league in football in America. The American Football League started in 1960, trying to rival the NFL. The two leagues announced a merger in 1966, although it did not go into effect for four more years. The first Super Bowl was played in January 1967; this championship game is now the most watched television event in the United States each year.

American football is such a popular sport it has been played in other countries since the 1920s such as Mexico, Japan, Europe, and Brazil.

Football remains to be one of the most popular sports in America and is played by people of all ages. Terry Deru Utah is an avid San Francisco 49ers fan and enjoys watching their games.