Based on the information provided, I would recommend that Mariah open a 2-year certificate of deposit (CD) for each daughter. A CD would allow her funds to grow with interest over the 2 years until she needs to access the money to help pay for her daughters' college costs. The fixed, guaranteed rate of return and lack of penalties for early withdrawal make a CD a good fit for Mariah's goal.
This document provides information about personal finance concepts like saving, investing, assets, and net worth. It discusses the importance of saving and investing for goals like emergencies, education, and retirement. Key points covered include:
- Saving provides financial security while investing is intended to build wealth over time.
- Factors like interest rates, time, money invested, and compounding interest can significantly impact the total return on savings and investments.
- Starting to save and invest early and contributing as much as possible each period can maximize what one's money earns over many years due to compound interest.
- Developing the habits of saving a portion of income regularly and investing for the long-term are important
The USAID provided loan guarantees to the Bank of Abyssinia (BOA) to encourage lending to Ethiopia's agriculture sector. This increased BOA's agricultural lending from 0% to 2.3% of its portfolio. It allowed farmers access to larger loans than otherwise possible. While the guarantees influenced BOA, other banks also increased agricultural lending due to government policy and potential foreign currency from exports. However, lack of collateral and infrastructure still limit small farmers' access to credit.
The sustainability of agriculture insurance programmes relies primarily on reaching scale and controlling the costs of distribution. With this in mind, insurers are designing meso-level insurance policies that cover the entire portfolio of an aggregator. But while there are promising gains, there is still much to learn from implementing these solutions to achieve scale and efficiency.
Jointly organized by the Global Index Insurance Facility and the ILO’s Impact Insurance Facility, this webinar discussed opportunities and challenges in meso-level distribution. It presented diverse viewpoints on aggregate distribution and portfolio covers and the roles of various stakeholders. It highlighted experiences of scaling up and how such initiatives impact customer understanding and client value.
If you are struggling to repay your student loan debt, there may be options available that can provide you the relief you need. The options available to you depend on the type of loans you have, your current finances, your student loan history, and even your employment.
This document discusses various economic and financial instruments for integrated water resource management. It examines in detail the main financing options for water systems, including the pros and cons of each option and how they can be applied in different circumstances. The options covered include water and sewerage charges, government grants and loans, external grants such as development aid, philanthropic partnerships, commercial loans and bonds, and private equity. It also discusses how risk guarantees can be used to facilitate financing. The document provides examples of how these instruments have been applied to finance activities like flood risk management. It concludes by suggesting a role play exercise where participants negotiate a funding scheme between a central government and local authority to improve local access to water and sanitation.
Financial aid refers to all funds available to students to cover the costs of postsecondary education, including federal and state grants and loans, institutional grants and scholarships, and private sources. It is generally awarded based on financial need, which is determined by subtracting a student's expected family contribution from the institution's estimated cost of attendance. Some common types of financial aid are portable grants like the Pell Grant that can be used at any institution, and campus-based aid allocated to schools to meet student need, though awards of campus-based funds and institutional grants are usually not impacted by outside resources like IDAs. Private loans should not be considered true financial aid.
Savings tools include checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and savings bonds. They provide secure options for saving money through depository institutions, most of which are insured by the FDIC up to $250,000 per account. The best savings tool depends on an individual's financial goals and needs, specifically how much they want to save, when they need access to funds, and how long they can leave the money untouched. Features like interest rates, fees, and minimum balances vary between different savings tools and depository institutions.
The document provides guidance on creating a spending plan by outlining typical expenses like housing, transportation, food, and insurance, tracking current income and expenses, setting financial goals, and developing and maintaining a personalized plan through categorizing income and expenses and allocating money to meet goals. It emphasizes the importance of a spending plan for financial success and offers tips for planning based on individual needs and values.
This document provides information about personal finance concepts like saving, investing, assets, and net worth. It discusses the importance of saving and investing for goals like emergencies, education, and retirement. Key points covered include:
- Saving provides financial security while investing is intended to build wealth over time.
- Factors like interest rates, time, money invested, and compounding interest can significantly impact the total return on savings and investments.
- Starting to save and invest early and contributing as much as possible each period can maximize what one's money earns over many years due to compound interest.
- Developing the habits of saving a portion of income regularly and investing for the long-term are important
The USAID provided loan guarantees to the Bank of Abyssinia (BOA) to encourage lending to Ethiopia's agriculture sector. This increased BOA's agricultural lending from 0% to 2.3% of its portfolio. It allowed farmers access to larger loans than otherwise possible. While the guarantees influenced BOA, other banks also increased agricultural lending due to government policy and potential foreign currency from exports. However, lack of collateral and infrastructure still limit small farmers' access to credit.
The sustainability of agriculture insurance programmes relies primarily on reaching scale and controlling the costs of distribution. With this in mind, insurers are designing meso-level insurance policies that cover the entire portfolio of an aggregator. But while there are promising gains, there is still much to learn from implementing these solutions to achieve scale and efficiency.
Jointly organized by the Global Index Insurance Facility and the ILO’s Impact Insurance Facility, this webinar discussed opportunities and challenges in meso-level distribution. It presented diverse viewpoints on aggregate distribution and portfolio covers and the roles of various stakeholders. It highlighted experiences of scaling up and how such initiatives impact customer understanding and client value.
If you are struggling to repay your student loan debt, there may be options available that can provide you the relief you need. The options available to you depend on the type of loans you have, your current finances, your student loan history, and even your employment.
This document discusses various economic and financial instruments for integrated water resource management. It examines in detail the main financing options for water systems, including the pros and cons of each option and how they can be applied in different circumstances. The options covered include water and sewerage charges, government grants and loans, external grants such as development aid, philanthropic partnerships, commercial loans and bonds, and private equity. It also discusses how risk guarantees can be used to facilitate financing. The document provides examples of how these instruments have been applied to finance activities like flood risk management. It concludes by suggesting a role play exercise where participants negotiate a funding scheme between a central government and local authority to improve local access to water and sanitation.
Financial aid refers to all funds available to students to cover the costs of postsecondary education, including federal and state grants and loans, institutional grants and scholarships, and private sources. It is generally awarded based on financial need, which is determined by subtracting a student's expected family contribution from the institution's estimated cost of attendance. Some common types of financial aid are portable grants like the Pell Grant that can be used at any institution, and campus-based aid allocated to schools to meet student need, though awards of campus-based funds and institutional grants are usually not impacted by outside resources like IDAs. Private loans should not be considered true financial aid.
Savings tools include checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and savings bonds. They provide secure options for saving money through depository institutions, most of which are insured by the FDIC up to $250,000 per account. The best savings tool depends on an individual's financial goals and needs, specifically how much they want to save, when they need access to funds, and how long they can leave the money untouched. Features like interest rates, fees, and minimum balances vary between different savings tools and depository institutions.
The document provides guidance on creating a spending plan by outlining typical expenses like housing, transportation, food, and insurance, tracking current income and expenses, setting financial goals, and developing and maintaining a personalized plan through categorizing income and expenses and allocating money to meet goals. It emphasizes the importance of a spending plan for financial success and offers tips for planning based on individual needs and values.
The document discusses values, needs, and wants. It defines values as things that are desirable, influenced by friends and family, and guide daily decisions. Needs are things necessary for life like food and shelter, while wants are unnecessary but desired items. The document explores how values and perceptions of needs and wants influence personal financial decisions and spending priorities.
Take charge of credit cards power point presentation 2.4.1.g1lbonner1987
The document is a presentation on credit cards that defines key terms like credit, interest, and credit cards. It explains how credit cards work, including making payments, interest charges, and differences between credit and debit cards. The presentation emphasizes the importance of responsible credit card use like paying balances in full each month to avoid interest, fees, and debt. It provides tips for keeping credit card information secure and what to do if a card is lost or stolen.
Introduction to depository_institutions_power_point_2.2.1.g1-with_josie_throu...Jamie Norton, MEd
Josie is a high school senior who has been accepted to a university three hours from home. She is looking for a safe place to store her money and pay bills while at college. She has identified two local depository institutions, one is a bank and one is a credit union, that also have branches near her university. The document discusses the key factors Josie should consider when choosing between the two options, such as location, available services, interest rates, and account types. It provides an overview of commercial banks and credit unions, as well as common financial services and accounts like checking, savings, loans, and credit.
The document provides information about understanding credit cards, including:
1. It defines key terms related to credit cards such as lenders, borrowers, credit, interest, annual percentage rate, minimum payments, and credit limits.
2. It explains the differences between closed-end credit (like loans) and open-end (revolving) credit provided by credit cards.
3. It outlines both the advantages and disadvantages of using credit cards, such as convenience versus the risk of interest fees and overspending.
4. It discusses how responsible or irresponsible use of credit cards can impact an individual's credit history and credit score over time.
Goals galore power point presentation 2171g1lbonner1987
The document discusses goals and how to set SMART goals. It defines goals and explains that setting goals provides direction, focus, and helps keep the end result in mind. The document outlines types of goals, like short-term and long-term goals, and provides examples. It also explains how to write goals using the SMART criteria - making them specific, measurable, attainable, realistic, and time-bound. The document provides examples of writing SMART education and financial goals.
The document discusses the importance of saving money. It defines saving as accumulating excess funds by spending less than earned. Saving provides emergency funds, financial security for the future, and reduces risk. It recommends saving at least six months' worth of living expenses. The time value of money principle is explained, where money available now is worth more than the same amount in the future due to interest, compounding interest, and longer periods of saving. Saving more money, for longer periods of time, and at higher interest rates maximizes returns through compounding. The document provides tips and worksheets for setting savings goals and plans.
The document discusses the importance of saving money. It defines saving as accumulating excess funds by spending less than earned. Saving provides emergency funds, finances short-term goals, and provides financial security. It reduces risk and contributes to net worth. The document recommends saving at least 6 months' worth of living expenses and outlines strategies for identifying funds to save, such as reducing expenses, increasing income, paying yourself first, and using automatic transfers. Saving takes advantage of the time value of money by allowing funds to grow through interest and compounding over long periods of time.
Receiving from family,friends,and non-profits-pptshaneringen
The document discusses the benefits of social capital and receiving support from communities such as family, friends, and non-profits. It notes that social capital provides resources and benefits across different domains of well-being. Family, friends, and non-profits are important sources of social capital that can offer both financial and non-financial support, and being part of communities and investing in social relationships through giving and receiving can positively impact one's well-being.
Receiving from family,friends,and non-profits-pptshaneringen
The document discusses the benefits of social capital and receiving support from communities. It defines social capital as the social relationships that provide access to resources and notes that social capital is an important benefit of being part of a community. It describes how family, friends, and non-profits are key parts of people's social capital networks and can provide financial, physical, emotional, and other support that contributes to well-being. Maintaining social connections through giving and receiving support enhances social capital.
Receiving from family,friends,and non-profits-pptshaneringen
The document discusses the benefits of social capital and receiving support from communities. It defines social capital as the social relationships that provide access to resources and notes that social capital is an important benefit of being part of a community. It describes how family, friends, and non-profits are key parts of people's social capital networks and can provide financial, physical, emotional, and other support that enhances well-being. Maintaining social connections through giving and receiving supports investing in social capital.
The document discusses key aspects of creating a spending plan, including:
1) A typical spending plan pie chart shows major expenditure categories like housing, transportation, food, insurance, and savings make up percentages of a spending plan.
2) Creating a spending plan involves tracking income and expenses over time, then anticipating future income and expenses to allocate money to categories.
3) Benefits of financial planning with a spending plan include living within one's means, avoiding financial difficulties, and gaining a sense of security.
The document discusses the importance of setting SMART goals to achieve education and financial objectives. It defines goals and different types of goals like short-term and long-term. SMART goals are specific, measurable, attainable, realistic, and time-bound. Examples of education goals include getting good grades and attending college. Financial goals could be saving money for an item like an iPod. Setting SMART goals provides direction and focus to work towards future success.
The document discusses the importance of setting SMART goals to achieve both education and financial objectives. It defines goals and different types of goals like short-term and long-term. SMART goals are specific, measurable, attainable, realistic and time-bound. Examples of education goals include getting good grades and attending college. Financial goals could be saving money for an item like an iPod. Setting SMART goals provides direction and focus to work towards future success.
This document provides information on financial planning and spending plans. It discusses creating a balance sheet to track assets and liabilities, preparing an income and expense statement to analyze spending, and developing a spending plan or budget to meet financial goals. Typical spending categories are outlined along with steps in the financial planning process and benefits of planning, such as gaining a sense of security and control over finances.
Isabella is a recent college graduate with significant debt who is concerned about her credit report and finding a job. An analysis of her credit report reveals late payments on some accounts, a high utilization ratio, and a history of pursuing new credit that may be negatively impacting her credit score. Helping her understand how to improve her payment history, pay down debt, and avoid unnecessary credit inquiries could help raise her credit score over time.
The document discusses different savings tools including checking accounts, savings accounts, money market accounts, and certificates of deposit. It describes the key characteristics of each tool, such as how to access funds, interest rates, fees and minimum balance requirements. The document emphasizes matching the appropriate savings tool to individual financial goals by considering factors like liquidity, interest rates and time horizon.
The document discusses the fundamentals of investing, including:
- Investments are assets purchased with the goal of providing additional income through returns, but also carry risk of loss.
- Investments generally have higher potential returns than savings, but are also less liquid and may be subject to penalties if funds are withdrawn early.
- It is recommended that 10% of net income be dedicated to savings and investments each time income is received.
- Investing carries higher risk than saving but also higher potential returns, while savings provides more security against emergencies.
Parker Financial, LLC presentation at the 2nd Annual Parenting Matters: Raising Successful Children. Maryland Parental Information Resource Center Southern Maryland Regional Conference. Maryland Parental Information Resource Center. College of Southern Maryland. La Plata. MD. 28 Mar. 2009.
Understanding your paycheck_essentials_powerpoint_7.13.2.g1Gina Pixler
An employee must complete Form W-4 and Form I-9 before receiving their first paycheck from a new job. Form W-4 determines the amount of federal income taxes withheld from paychecks, while Form I-9 verifies employment eligibility. The paycheck stub lists important information like gross income, deductions, and net income. Understanding this information is important for employees to track their earnings and tax withholdings.
The document discusses various aspects of sports event marketing. It defines sanctioning bodies as organizations that set rules for sports, lists some examples including FIBA, USOC, and NCAA. It also distinguishes between professionals, for whom playing a sport is their job, versus amateurs, who play for enjoyment. Finally, it outlines key aspects of event marketing, such as using advertising, publicity, and information distribution to generate excitement among spectators and boost sales, raise brand awareness, capture market share, and meet customers face-to-face by promoting an intangible, unique experience that is produced and consumed simultaneously.
Sponsorships involve underwriting events in exchange for positive brand association with participants and attendees. They can benefit organizations by increasing sales, introducing new products, identifying with target markets, earning goodwill, and enhancing image. Premium sponsorships provide exclusive entitlements like naming rights. Sponsorships can fail without activation budgets, long-term commitments, measurable goals, sufficient staffing, or local extensions. Ambush marketing falsely implies association without paying sponsorship fees.
The document discusses values, needs, and wants. It defines values as things that are desirable, influenced by friends and family, and guide daily decisions. Needs are things necessary for life like food and shelter, while wants are unnecessary but desired items. The document explores how values and perceptions of needs and wants influence personal financial decisions and spending priorities.
Take charge of credit cards power point presentation 2.4.1.g1lbonner1987
The document is a presentation on credit cards that defines key terms like credit, interest, and credit cards. It explains how credit cards work, including making payments, interest charges, and differences between credit and debit cards. The presentation emphasizes the importance of responsible credit card use like paying balances in full each month to avoid interest, fees, and debt. It provides tips for keeping credit card information secure and what to do if a card is lost or stolen.
Introduction to depository_institutions_power_point_2.2.1.g1-with_josie_throu...Jamie Norton, MEd
Josie is a high school senior who has been accepted to a university three hours from home. She is looking for a safe place to store her money and pay bills while at college. She has identified two local depository institutions, one is a bank and one is a credit union, that also have branches near her university. The document discusses the key factors Josie should consider when choosing between the two options, such as location, available services, interest rates, and account types. It provides an overview of commercial banks and credit unions, as well as common financial services and accounts like checking, savings, loans, and credit.
The document provides information about understanding credit cards, including:
1. It defines key terms related to credit cards such as lenders, borrowers, credit, interest, annual percentage rate, minimum payments, and credit limits.
2. It explains the differences between closed-end credit (like loans) and open-end (revolving) credit provided by credit cards.
3. It outlines both the advantages and disadvantages of using credit cards, such as convenience versus the risk of interest fees and overspending.
4. It discusses how responsible or irresponsible use of credit cards can impact an individual's credit history and credit score over time.
Goals galore power point presentation 2171g1lbonner1987
The document discusses goals and how to set SMART goals. It defines goals and explains that setting goals provides direction, focus, and helps keep the end result in mind. The document outlines types of goals, like short-term and long-term goals, and provides examples. It also explains how to write goals using the SMART criteria - making them specific, measurable, attainable, realistic, and time-bound. The document provides examples of writing SMART education and financial goals.
The document discusses the importance of saving money. It defines saving as accumulating excess funds by spending less than earned. Saving provides emergency funds, financial security for the future, and reduces risk. It recommends saving at least six months' worth of living expenses. The time value of money principle is explained, where money available now is worth more than the same amount in the future due to interest, compounding interest, and longer periods of saving. Saving more money, for longer periods of time, and at higher interest rates maximizes returns through compounding. The document provides tips and worksheets for setting savings goals and plans.
The document discusses the importance of saving money. It defines saving as accumulating excess funds by spending less than earned. Saving provides emergency funds, finances short-term goals, and provides financial security. It reduces risk and contributes to net worth. The document recommends saving at least 6 months' worth of living expenses and outlines strategies for identifying funds to save, such as reducing expenses, increasing income, paying yourself first, and using automatic transfers. Saving takes advantage of the time value of money by allowing funds to grow through interest and compounding over long periods of time.
Receiving from family,friends,and non-profits-pptshaneringen
The document discusses the benefits of social capital and receiving support from communities such as family, friends, and non-profits. It notes that social capital provides resources and benefits across different domains of well-being. Family, friends, and non-profits are important sources of social capital that can offer both financial and non-financial support, and being part of communities and investing in social relationships through giving and receiving can positively impact one's well-being.
Receiving from family,friends,and non-profits-pptshaneringen
The document discusses the benefits of social capital and receiving support from communities. It defines social capital as the social relationships that provide access to resources and notes that social capital is an important benefit of being part of a community. It describes how family, friends, and non-profits are key parts of people's social capital networks and can provide financial, physical, emotional, and other support that contributes to well-being. Maintaining social connections through giving and receiving support enhances social capital.
Receiving from family,friends,and non-profits-pptshaneringen
The document discusses the benefits of social capital and receiving support from communities. It defines social capital as the social relationships that provide access to resources and notes that social capital is an important benefit of being part of a community. It describes how family, friends, and non-profits are key parts of people's social capital networks and can provide financial, physical, emotional, and other support that enhances well-being. Maintaining social connections through giving and receiving supports investing in social capital.
The document discusses key aspects of creating a spending plan, including:
1) A typical spending plan pie chart shows major expenditure categories like housing, transportation, food, insurance, and savings make up percentages of a spending plan.
2) Creating a spending plan involves tracking income and expenses over time, then anticipating future income and expenses to allocate money to categories.
3) Benefits of financial planning with a spending plan include living within one's means, avoiding financial difficulties, and gaining a sense of security.
The document discusses the importance of setting SMART goals to achieve education and financial objectives. It defines goals and different types of goals like short-term and long-term. SMART goals are specific, measurable, attainable, realistic, and time-bound. Examples of education goals include getting good grades and attending college. Financial goals could be saving money for an item like an iPod. Setting SMART goals provides direction and focus to work towards future success.
The document discusses the importance of setting SMART goals to achieve both education and financial objectives. It defines goals and different types of goals like short-term and long-term. SMART goals are specific, measurable, attainable, realistic and time-bound. Examples of education goals include getting good grades and attending college. Financial goals could be saving money for an item like an iPod. Setting SMART goals provides direction and focus to work towards future success.
This document provides information on financial planning and spending plans. It discusses creating a balance sheet to track assets and liabilities, preparing an income and expense statement to analyze spending, and developing a spending plan or budget to meet financial goals. Typical spending categories are outlined along with steps in the financial planning process and benefits of planning, such as gaining a sense of security and control over finances.
Isabella is a recent college graduate with significant debt who is concerned about her credit report and finding a job. An analysis of her credit report reveals late payments on some accounts, a high utilization ratio, and a history of pursuing new credit that may be negatively impacting her credit score. Helping her understand how to improve her payment history, pay down debt, and avoid unnecessary credit inquiries could help raise her credit score over time.
The document discusses different savings tools including checking accounts, savings accounts, money market accounts, and certificates of deposit. It describes the key characteristics of each tool, such as how to access funds, interest rates, fees and minimum balance requirements. The document emphasizes matching the appropriate savings tool to individual financial goals by considering factors like liquidity, interest rates and time horizon.
The document discusses the fundamentals of investing, including:
- Investments are assets purchased with the goal of providing additional income through returns, but also carry risk of loss.
- Investments generally have higher potential returns than savings, but are also less liquid and may be subject to penalties if funds are withdrawn early.
- It is recommended that 10% of net income be dedicated to savings and investments each time income is received.
- Investing carries higher risk than saving but also higher potential returns, while savings provides more security against emergencies.
Parker Financial, LLC presentation at the 2nd Annual Parenting Matters: Raising Successful Children. Maryland Parental Information Resource Center Southern Maryland Regional Conference. Maryland Parental Information Resource Center. College of Southern Maryland. La Plata. MD. 28 Mar. 2009.
Understanding your paycheck_essentials_powerpoint_7.13.2.g1Gina Pixler
An employee must complete Form W-4 and Form I-9 before receiving their first paycheck from a new job. Form W-4 determines the amount of federal income taxes withheld from paychecks, while Form I-9 verifies employment eligibility. The paycheck stub lists important information like gross income, deductions, and net income. Understanding this information is important for employees to track their earnings and tax withholdings.
The document discusses various aspects of sports event marketing. It defines sanctioning bodies as organizations that set rules for sports, lists some examples including FIBA, USOC, and NCAA. It also distinguishes between professionals, for whom playing a sport is their job, versus amateurs, who play for enjoyment. Finally, it outlines key aspects of event marketing, such as using advertising, publicity, and information distribution to generate excitement among spectators and boost sales, raise brand awareness, capture market share, and meet customers face-to-face by promoting an intangible, unique experience that is produced and consumed simultaneously.
Sponsorships involve underwriting events in exchange for positive brand association with participants and attendees. They can benefit organizations by increasing sales, introducing new products, identifying with target markets, earning goodwill, and enhancing image. Premium sponsorships provide exclusive entitlements like naming rights. Sponsorships can fail without activation budgets, long-term commitments, measurable goals, sufficient staffing, or local extensions. Ambush marketing falsely implies association without paying sponsorship fees.
This document discusses signage options at sports venues to promote sales. It identifies types of signage like banners, dasher boards, and floor graphics. Factors for selecting signage include cost, location within the venue, the target market, attendance, and number of viewers. The document also lists popular locations for signage like scoreboards, video boards, sidelines, tents, on the field/court, street poles, race cars, and equipment/attire.
Sport marketing involves planning and executing ideas to create exchanges that satisfy objectives. It includes sporting events, athletes, facilities, sporting goods, personal training, and sports information. There are four categories of sport consumers: 1) unorganized participants, 2) organized participants, 3) spectators, and 4) sponsors. As sports products and marketing grow in popularity, it benefits communities through increased employment, recreation, entertainment, and economic activity. Event marketing designs live activities to promote products, causes, or organizations, and provides benefits such as starting dialogues, building personal connections, and immediate brand awareness.
The document identifies and describes various classifications of merchandise. It discusses categories for different types of apparel including dresses, sportswear, denim, activewear, suits, coats, jackets, intimate apparel, sleepwear, maternity wear, men's apparel, children's apparel, accessories, jewelry, footwear, hosiery, handbags, belts, headwear, handwear and neckwear. It also covers home furnishings, cosmetics, toiletries and fragrances. The classifications provide a framework for identifying and organizing merchandise in a retail setting.
This document discusses key concepts related to branding and licensing in sports. It defines important terms like brand, brand awareness, and brand equity. It also summarizes the branding process and factors that influence each step. Additionally, it outlines the benefits and risks for both licensors and licensees in licensing agreements. Celebrity endorsements, cross-promotion, and naming rights strategies are also summarized.
This document discusses product knowledge and feature-benefit selling. It defines key terms like features, benefits, and unique selling propositions. It also lists sources of feature-benefit information and different types of benefits. Finally, it provides an example feature-benefit chart and guidelines for taking telephone orders.
This document summarizes major fashion centers around the world and provides details about New York City, Los Angeles, Paris, Italy, and London as leaders in the global fashion industry. It also defines common terms in fashion design and outlines the different price market categories for women's apparel, from couture to bridge to better to moderate to budget. Major fashion events and organizations in each city are mentioned.
Implement accounting procedures to track money flow and determine financial status. Cash flow is important for business success. Businesses need enough cash for expenses, payroll, and operations. While profitable, some businesses experience cash flow problems due to unreliable or inconsistent sources of cash flowing in and out. Cash flow statements help identify when cash is low and high, where cash is coming from and going, and how much cash is available.
The document discusses the importance of adequate cash flow for business success. It notes that businesses need enough cash to cover operating expenses and pay employees. Poor cash flow can lead a profitable business to fail. The document outlines sources of cash that flow into and out of businesses and how cash flow statements are useful for determining when cash levels will be high or low, where cash is coming from and going, and how much cash is flowing in order to plan ahead for shortages.
Personal finance 8.02 spending plans p_ptb(fefe)DudleyDoright
This document discusses the importance of creating a spending plan to take control of personal finances. It defines a spending plan as a budget that documents planned and actual income and expenses over a period of time. The document explains that a spending plan can help manage money in a positive manner by analyzing tradeoffs to maximize financial well-being and set and reach goals. It provides examples of money management tools like a statement of financial position, income and expense statement, and spending plan. Finally, it presents a scenario where the reader is hired to develop a spending plan for a family to help them achieve their financial goals of increasing savings, paying down debt, and reducing dining out and clothing expenses.
This document discusses different types of insurance. It explains that insurance transfers risk from an individual to an insurance organization in exchange for premium payments. There are several key types of insurance, including health insurance, disability insurance, property and liability insurance, and life insurance, which protect against different financial risks like medical expenses, lost income due to disability, property damage or loss, and providing for dependents after death. The document provides examples of how insurance works and emphasizes the importance of having coverage to ensure financial security during unexpected life events.
The 16th Amendment allows Congress to collect income taxes from individuals without requiring that the rates be the same in each state. It permits Congress to tax income "from whatever source derived," whether from salaries, real estate transactions, or investments. This established the federal government's right to impose and collect an income tax nationwide as a way to generate revenue.
Students will learn about different types of compensation including wages, salary, commissions, tips, and bonuses. They will also learn about important employment and tax forms such as the W-4, W-2, 1099, and I-9. Key information included on these forms includes income earned, taxes withheld, and verifying employment eligibility. Being knowledgeable about compensation and tax forms is essential for understanding deductions from paychecks and filing annual income taxes.
The document outlines the 7 key steps of an effective sales process: 1) approaching customers, 2) determining needs, 3) presenting products, 4) overcoming objections, 5) closing the sale, 6) suggestion selling, and 7) building relationships. It provides guidance on techniques for each step, including how to establish rapport, ask questions to uncover needs, handle objections, and ensure customer satisfaction. Following this proven sales process can help increase sales and strengthen customer loyalty.
The document provides guidance on meeting transportation needs through wise consumer decisions. It discusses considering various transportation options and setting priorities. Key steps include doing research on used and new vehicles, leasing versus purchasing, insurance requirements and options, and factors that impact premium costs. Making an informed decision requires evaluating priorities and researching options, costs, safety, reliability and other factors.
The document provides tips for consumers to consider when choosing a new vehicle, including determining their budget and driving needs, researching safety ratings and maintenance costs, seeking recommendations, and maintaining flexibility in their options. Key factors discussed are evaluating driving habits, listing required features, comparing new versus used vehicles, and investigating depreciation costs.
The document discusses strategies for making personal, education, and career choices to achieve lifestyle goals, including classifying interests, personality, priorities and education options in order to select careers that provide fulfillment. It emphasizes planning early and using short term jobs as stepping stones to long term careers that match one's skills and interests through lifelong learning and advancement. Key factors to consider when reaching career crossroads are presented to guide decision making.
1. Evan was not accounting for all of his expenses such as daily coffee and weekly lunches out.
2. An income and expense statement lists income and expenses over a period of time, usually a month or year, to determine a net gain or loss.
3. Creating an accurate income and expense statement can help Evan identify where his money is going each month and make changes to better manage his finances.
This document provides information about identity theft, how to protect yourself, and what to do if you become a victim. It defines identity theft as the illegal use of someone's personal information without their consent. It discusses how thieves steal information like Social Security numbers, bank account numbers, and credit card numbers. The results for victims can include financial losses, wasted time fixing the problem, and stress. Technological advances have increased opportunities for identity theft by making more financial transactions electronic. The document provides tips for protecting yourself such as shredding documents, being wary of phishing scams, and monitoring your accounts. It also outlines steps to take if you are victimized, like placing fraud alerts on credit reports and filing police reports.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
“Amidst Tempered Optimism” Main economic trends in May 2024 based on the results of the New Monthly Enterprises Survey, #NRES
On 12 June 2024 the Institute for Economic Research and Policy Consulting (IER) held an online event “Economic Trends from a Business Perspective (May 2024)”.
During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented.
The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed.
The enterprise managers compared the work results in May 2024 with April, assessed the indicators at the time of the survey (May 2024), and gave forecasts for the next two, three, or six months, depending on the question. In certain issues (where indicated), the work results were compared with the pre-war period (before February 24, 2022).
✅ More survey results in the presentation.
✅ Video presentation: https://youtu.be/4ZvsSKd1MzE
Calculation of compliance cost: Veterinary and sanitary control of aquatic bi...Alexander Belyaev
Calculation of compliance cost in the fishing industry of Russia after extended SCM model (Veterinary and sanitary control of aquatic biological resources (ABR) - Preparation of documents, passing expertise)
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.