This document provides information about MoneyCapsules®, a process for organizing one's finances using 7 key concepts represented by words. It was created by Jaimie Blackman and teaches clients to communicate their unique financial perspective to advisors. The process involves organizing finances into the 7 concepts, understanding one's perspective, and then deciding on a plan of action called a "Game-Plan" to share with advisors. Cash is the first concept discussed, focusing on cash flow, reserves, and using cash strategically without selling investments.
1) The document discusses challenges in financial advising from the perspective of behavioral finance. It covers intuitive vs reflective minds, investor paralysis after the 2008 crisis, lack of investor discipline, and loss of trust in financial institutions.
2) To address investor paralysis, the document recommends an "Invest More Tomorrow" strategy where investors pre-commit to periodic investments to overcome loss aversion and procrastination.
3) To address lack of discipline, it suggests a "Ulysses Strategy" where investors pre-commit to a rational investment plan through a signed memorandum to resist herd behavior.
4) To regain trust, advisers should demonstrate competence by admitting luck, discussing downsides, showing empathy through frequent contact, and
The passage says loans are "typically" needed, not that everyone will need one.
C. People who need a loan are able to
borrow as much as they need, as long as
they pay it back.
Loans are typically needed to finance large
expenditures, such as the payment of college tuition
or the purchase of a car or a home. The amount of
financing needed is the difference between the
amount of the purchase and the amount of money
you have available. Managing loans involves three
decisions. The first is to determine how much you
can afford to borrow. The other two decisions are
deciding on the maturity (length of time) of the loan,
and selecting a
1) A securities-based line of credit allows real estate investors to use their investment portfolios as collateral for cash loans to fund real estate projects.
2) Traditional sources of real estate financing have dried up, imposing higher requirements, but a securities-based line of credit offers greater flexibility and lower rates.
3) Interested investors can contact Mark Tenzer at Tenzer Partners for non-obligatory quotes and to learn more about using a securities-based line of credit.
How banks make lending decisions...
How to manage the banking relationship...
Renewing your relationship...
Financial projections drive your banking
relationship...
Other lenders or sources of money...
Glossary of banking terms...
1 15-12 front and back of mc cards 6 x4 landscape rev 1JMBlackman
Jaimie Blackman founded MoneyCapsules® to help investors improve their financial decisions through a 3 step process involving organizing financial resources and priorities, understanding balances and imbalances, and deciding on strategies. MoneyCapsules® transforms complex financial concepts into 7 simple visuals and words to help clients identify deficiencies and promote better money management. Blackman has over 25 years of experience in business consulting, wealth management, and financial education.
1) The document discusses the advantages of low interest credit cards for those with good credit histories. These cards offer lower regular APR rates compared to cards for those with poor credit, allowing users to save on interest charges over the long term.
2) Some key benefits of low interest credit cards mentioned include introductory 0% APR periods of 3-12 months for purchases and balance transfers, as well as regular APR rates as low as 11.99% after promotional periods end.
3) The document recommends researching both introductory and regular APR rates when selecting the best low interest credit card and cautions that credit card companies may increase regular rates after introductory periods to make up for
This document discusses private placement investment programs and opportunities (PPOs). It explains that PPOs exist because [1] banks can create money by issuing large debt instruments and [2] there is a private market for trading these discounted debt instruments where arbitrage and leverage opportunities allow banks and brokers to earn profits. The core of most PPO programs involves pre-defined buy-sell transactions of debt instruments between banks, commitment holders, and exit-buyers, with investors' funds reserved to back these transactions and earn returns, but the funds are never actually used or at risk.
PIMCO DC Dialogue - First Manage Your RiskOpen Knowledge
In this PIMCO DC Dialogue, Professor Zvi Bodie, Norman and Adele Barron Professor of Management at Boston University, discusses with global investment managers PIMCO the difficulties people in the United States have assessing risk accurately, the attitude to risk they should adopt when it comes to retirement planning, and investment strategies for professionals and individuals alike, beginning with low-risk assets such as Treasury Inflation-Protected Securities.
1) The document discusses challenges in financial advising from the perspective of behavioral finance. It covers intuitive vs reflective minds, investor paralysis after the 2008 crisis, lack of investor discipline, and loss of trust in financial institutions.
2) To address investor paralysis, the document recommends an "Invest More Tomorrow" strategy where investors pre-commit to periodic investments to overcome loss aversion and procrastination.
3) To address lack of discipline, it suggests a "Ulysses Strategy" where investors pre-commit to a rational investment plan through a signed memorandum to resist herd behavior.
4) To regain trust, advisers should demonstrate competence by admitting luck, discussing downsides, showing empathy through frequent contact, and
The passage says loans are "typically" needed, not that everyone will need one.
C. People who need a loan are able to
borrow as much as they need, as long as
they pay it back.
Loans are typically needed to finance large
expenditures, such as the payment of college tuition
or the purchase of a car or a home. The amount of
financing needed is the difference between the
amount of the purchase and the amount of money
you have available. Managing loans involves three
decisions. The first is to determine how much you
can afford to borrow. The other two decisions are
deciding on the maturity (length of time) of the loan,
and selecting a
1) A securities-based line of credit allows real estate investors to use their investment portfolios as collateral for cash loans to fund real estate projects.
2) Traditional sources of real estate financing have dried up, imposing higher requirements, but a securities-based line of credit offers greater flexibility and lower rates.
3) Interested investors can contact Mark Tenzer at Tenzer Partners for non-obligatory quotes and to learn more about using a securities-based line of credit.
How banks make lending decisions...
How to manage the banking relationship...
Renewing your relationship...
Financial projections drive your banking
relationship...
Other lenders or sources of money...
Glossary of banking terms...
1 15-12 front and back of mc cards 6 x4 landscape rev 1JMBlackman
Jaimie Blackman founded MoneyCapsules® to help investors improve their financial decisions through a 3 step process involving organizing financial resources and priorities, understanding balances and imbalances, and deciding on strategies. MoneyCapsules® transforms complex financial concepts into 7 simple visuals and words to help clients identify deficiencies and promote better money management. Blackman has over 25 years of experience in business consulting, wealth management, and financial education.
1) The document discusses the advantages of low interest credit cards for those with good credit histories. These cards offer lower regular APR rates compared to cards for those with poor credit, allowing users to save on interest charges over the long term.
2) Some key benefits of low interest credit cards mentioned include introductory 0% APR periods of 3-12 months for purchases and balance transfers, as well as regular APR rates as low as 11.99% after promotional periods end.
3) The document recommends researching both introductory and regular APR rates when selecting the best low interest credit card and cautions that credit card companies may increase regular rates after introductory periods to make up for
This document discusses private placement investment programs and opportunities (PPOs). It explains that PPOs exist because [1] banks can create money by issuing large debt instruments and [2] there is a private market for trading these discounted debt instruments where arbitrage and leverage opportunities allow banks and brokers to earn profits. The core of most PPO programs involves pre-defined buy-sell transactions of debt instruments between banks, commitment holders, and exit-buyers, with investors' funds reserved to back these transactions and earn returns, but the funds are never actually used or at risk.
PIMCO DC Dialogue - First Manage Your RiskOpen Knowledge
In this PIMCO DC Dialogue, Professor Zvi Bodie, Norman and Adele Barron Professor of Management at Boston University, discusses with global investment managers PIMCO the difficulties people in the United States have assessing risk accurately, the attitude to risk they should adopt when it comes to retirement planning, and investment strategies for professionals and individuals alike, beginning with low-risk assets such as Treasury Inflation-Protected Securities.
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management. They offer a variety of insurance and investment products tailored to individual family needs, including blending term life insurance and indexed universal life insurance. This strategy provides death benefits, market protection of account values, tax advantages, and living benefits to protect families from critical illnesses. Virtual Financial also provides business opportunities for associates to build strong virtual businesses and earn commissions by helping clients achieve their financial goals from home.
Virtual Financial Group is most powerful virtual business & success system ever seen in the history of financial services. Mike Hinsvark & Chris Delfino are CEO & Founder of Virtual Financial Group (VFG), San Diego, CA. Virtual Financial Group Reviews are excellent in ratings for performance in Virtual Financial Services.
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management and successful careers. They offer personalized financial planning services and access to insurance and investment products. Their goal is to educate families on financial literacy and provide solutions to issues like debt, lack of savings, and financial stress. Virtual Financial also aims to help associates build successful virtual businesses through training, marketing support, and a commission structure that pays twice weekly.
Virtual Financial - Your Guide to Your FutureBetty Goodwin
Virtual Financial is committed to helping families achieve financial security and live the lifestyle they desire through disciplined money management and a successful career. They offer financial products and services to help families save, protect assets, and plan for the future. Their business model allows associates to build a virtual business from home providing financial solutions and a strong income. They aim to educate families and help them overcome financial challenges through personalized planning and a blend of insurance and investment products.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
Learn how to design investment analysis presentations that are easy to understand and will motivate clients to make investment decisions. Participate in hands-on demonstrations of how to use CCIM technology tools for different investment analysis output levels.
If you are beginning your investment journey (or if you want to rethink with a structured approach), there’s no better place to start! This document outlines a structured approach to investing that we wish we had when we started to invest.
Business Law & Order - October 20, 2014 - Financing your StartupAnnArborSPARK
This document provides an overview of considerations for financing a startup, including sources of funds, goals, and types of financing. It discusses equity financing versus debt financing, noting that equity financing involves giving up ownership stake, control, and founder equity in exchange for investment, while convertible financing allows retaining full equity initially. The document recommends leveraging networks to find investors, educating oneself on industry trends, being prepared for a lengthy fundraising process, prioritizing good long-term partners over specific terms, and utilizing resources like blogs and books to learn about pitching investors.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
This document discusses high impact selling strategies, including focusing on understanding customers' value systems, differentiating yourself from competitors, and validating value through tangible proof like repayment comparisons. It emphasizes active listening to customers and selling solutions that meet underlying needs or concerns, rather than just products. The document provides tips for enhancing professionalism, handling potential rejections proactively, and adopting a solution selling process of identifying issues, educating on long-term benefits, and incorporating post-sale support into presentations.
Why is our business like an oreo cookie Jeff ManzBryan Daly
The document discusses how an annuity sales business is like a dipped Oreo cookie, with different layers providing protection and benefits. It notes that annuities and life insurance products have evolved over 100 years to meet customer needs, similar to variations in Oreos. It then provides details on the anatomy of an Oreo and how it aligns with different annuity products. The document advocates for using a fact finder to uncover opportunities for annuity sales and details various types of annuities and factors to consider when selecting one. It stresses enlisting experts to help pick the right annuity and estimates average commission ranges.
This document discusses the need for insurance and financing. It explains that insurance protects against risks of loss, while financing is needed more today for expenses. Whole life insurance can serve as both insurance and a way to access funds through loans and dividends. Using a whole life policy allows capitalizing payments over time to build a self-funded banking system for financing needs, with advantages like tax benefits, growth, and liquidity. It provides higher returns than traditional savings accounts.
1. The document discusses the Indian securities market and provides an overview of key entities like SEBI, stock exchanges, depositories, and other intermediaries. It explains the different accounts needed to invest in the market.
2. It then focuses on NSDL, one of India's largest depositories, and highlights its progress over the years in terms of custody value and number of demat accounts. Charts show increasing trends.
3. The document also outlines various services offered by NSDL and its depository participants to investors, including account opening and maintenance, online services for transactions, and grievance redressal mechanisms.
Dionie Reyes won the lottery in 2008, winning P14 million. He spent lavishly at first, buying a P4 million house for his family and a Fortuner SUV. However, he continued spending on alcohol, women, and gambling until he lost all his money. He was forced to sell his dream house to pay debts from cockfighting bets. Dionie has since returned to work, but has little left and some debts. He hopes his story will teach others to manage lottery wins carefully.
Edit, Record and Create Beautiful Videos Instantly + Host, Play & Market Your Own or CLIENT Videos For Evergreen Income WITHOUT Any Special Skills, Experience, Or Learning Curve
This document provides an introduction and preface to the book "Dr. Dave's Uncommon Financial Advice" by David Shafer. The summary discusses how traditional financial planning models have failed many Americans by not providing enough income for retirement. It outlines the common advice of saving 10% of income, investing in mutual funds, and paying off debt quickly. However, this strategy does not factor in longer lifespans and rising costs that impact retirees. The introduction advocates for an evidence-based model that considers people's strengths and encourages adherence to personalized plans in order to better ensure a comfortable retirement.
1) Choosing investments without expert advice is like navigating a financial maze without a guide. Financial products have different risk levels, liquidity, and performance over different time periods.
2) There is no single "best" investment, as the right mix depends on individual goals, timelines, existing holdings, income, and risk tolerance. An advisor needs to understand both financial products and the individual client's specific situation.
3) Even seemingly safe investments like gold, real estate, and bank products have risks. A knowledgeable advisor can design a customized portfolio to protect clients from downturns while pursuing returns appropriate for their needs and capacity. Expert guidance is needed to navigate complex financial decisions.
This document discusses four important financial issues for retirees: generating sufficient retirement income, maintaining affordable health coverage, maintaining independence at advanced ages, and best leaving assets to heirs. It provides information on investing retirement funds for higher returns than savings accounts to cover health and long-term care costs if needed. The document also discusses Medicare options and the importance of supplemental coverage, as well as factors to consider regarding annuities and long-term care insurance due to the high likelihood of needing long-term care services.
A life settlement is the sale of an existing life insurance policy to a third party investor. The original policy owner sells their ownership rights for a cash payment that is typically higher than the cash surrender value offered by the insurance company. Investors purchase policies at a discount and hold them until the insured passes away, at which point they receive the full death benefit. Life settlements have existed since 1911 but became more common for individual investors starting in 1997. They provide absolute returns that are not correlated to market performance and are considered a low-risk investment due to contractual obligations of the insuring company.
The document provides an introduction and history of the Internet. It discusses how the Internet originated from ARPANET in the late 1950s and 1960s and key developments like the first email in 1976 and creation of the World Wide Web in 1990. The document also covers basics of how data is transmitted over the Internet using protocols like TCP/IP and defines common terms like URLs, domain names, and IP addresses.
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management. They offer a variety of insurance and investment products tailored to individual family needs, including blending term life insurance and indexed universal life insurance. This strategy provides death benefits, market protection of account values, tax advantages, and living benefits to protect families from critical illnesses. Virtual Financial also provides business opportunities for associates to build strong virtual businesses and earn commissions by helping clients achieve their financial goals from home.
Virtual Financial Group is most powerful virtual business & success system ever seen in the history of financial services. Mike Hinsvark & Chris Delfino are CEO & Founder of Virtual Financial Group (VFG), San Diego, CA. Virtual Financial Group Reviews are excellent in ratings for performance in Virtual Financial Services.
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management and successful careers. They offer personalized financial planning services and access to insurance and investment products. Their goal is to educate families on financial literacy and provide solutions to issues like debt, lack of savings, and financial stress. Virtual Financial also aims to help associates build successful virtual businesses through training, marketing support, and a commission structure that pays twice weekly.
Virtual Financial - Your Guide to Your FutureBetty Goodwin
Virtual Financial is committed to helping families achieve financial security and live the lifestyle they desire through disciplined money management and a successful career. They offer financial products and services to help families save, protect assets, and plan for the future. Their business model allows associates to build a virtual business from home providing financial solutions and a strong income. They aim to educate families and help them overcome financial challenges through personalized planning and a blend of insurance and investment products.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
Learn how to design investment analysis presentations that are easy to understand and will motivate clients to make investment decisions. Participate in hands-on demonstrations of how to use CCIM technology tools for different investment analysis output levels.
If you are beginning your investment journey (or if you want to rethink with a structured approach), there’s no better place to start! This document outlines a structured approach to investing that we wish we had when we started to invest.
Business Law & Order - October 20, 2014 - Financing your StartupAnnArborSPARK
This document provides an overview of considerations for financing a startup, including sources of funds, goals, and types of financing. It discusses equity financing versus debt financing, noting that equity financing involves giving up ownership stake, control, and founder equity in exchange for investment, while convertible financing allows retaining full equity initially. The document recommends leveraging networks to find investors, educating oneself on industry trends, being prepared for a lengthy fundraising process, prioritizing good long-term partners over specific terms, and utilizing resources like blogs and books to learn about pitching investors.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
This document discusses high impact selling strategies, including focusing on understanding customers' value systems, differentiating yourself from competitors, and validating value through tangible proof like repayment comparisons. It emphasizes active listening to customers and selling solutions that meet underlying needs or concerns, rather than just products. The document provides tips for enhancing professionalism, handling potential rejections proactively, and adopting a solution selling process of identifying issues, educating on long-term benefits, and incorporating post-sale support into presentations.
Why is our business like an oreo cookie Jeff ManzBryan Daly
The document discusses how an annuity sales business is like a dipped Oreo cookie, with different layers providing protection and benefits. It notes that annuities and life insurance products have evolved over 100 years to meet customer needs, similar to variations in Oreos. It then provides details on the anatomy of an Oreo and how it aligns with different annuity products. The document advocates for using a fact finder to uncover opportunities for annuity sales and details various types of annuities and factors to consider when selecting one. It stresses enlisting experts to help pick the right annuity and estimates average commission ranges.
This document discusses the need for insurance and financing. It explains that insurance protects against risks of loss, while financing is needed more today for expenses. Whole life insurance can serve as both insurance and a way to access funds through loans and dividends. Using a whole life policy allows capitalizing payments over time to build a self-funded banking system for financing needs, with advantages like tax benefits, growth, and liquidity. It provides higher returns than traditional savings accounts.
1. The document discusses the Indian securities market and provides an overview of key entities like SEBI, stock exchanges, depositories, and other intermediaries. It explains the different accounts needed to invest in the market.
2. It then focuses on NSDL, one of India's largest depositories, and highlights its progress over the years in terms of custody value and number of demat accounts. Charts show increasing trends.
3. The document also outlines various services offered by NSDL and its depository participants to investors, including account opening and maintenance, online services for transactions, and grievance redressal mechanisms.
Dionie Reyes won the lottery in 2008, winning P14 million. He spent lavishly at first, buying a P4 million house for his family and a Fortuner SUV. However, he continued spending on alcohol, women, and gambling until he lost all his money. He was forced to sell his dream house to pay debts from cockfighting bets. Dionie has since returned to work, but has little left and some debts. He hopes his story will teach others to manage lottery wins carefully.
Edit, Record and Create Beautiful Videos Instantly + Host, Play & Market Your Own or CLIENT Videos For Evergreen Income WITHOUT Any Special Skills, Experience, Or Learning Curve
This document provides an introduction and preface to the book "Dr. Dave's Uncommon Financial Advice" by David Shafer. The summary discusses how traditional financial planning models have failed many Americans by not providing enough income for retirement. It outlines the common advice of saving 10% of income, investing in mutual funds, and paying off debt quickly. However, this strategy does not factor in longer lifespans and rising costs that impact retirees. The introduction advocates for an evidence-based model that considers people's strengths and encourages adherence to personalized plans in order to better ensure a comfortable retirement.
1) Choosing investments without expert advice is like navigating a financial maze without a guide. Financial products have different risk levels, liquidity, and performance over different time periods.
2) There is no single "best" investment, as the right mix depends on individual goals, timelines, existing holdings, income, and risk tolerance. An advisor needs to understand both financial products and the individual client's specific situation.
3) Even seemingly safe investments like gold, real estate, and bank products have risks. A knowledgeable advisor can design a customized portfolio to protect clients from downturns while pursuing returns appropriate for their needs and capacity. Expert guidance is needed to navigate complex financial decisions.
This document discusses four important financial issues for retirees: generating sufficient retirement income, maintaining affordable health coverage, maintaining independence at advanced ages, and best leaving assets to heirs. It provides information on investing retirement funds for higher returns than savings accounts to cover health and long-term care costs if needed. The document also discusses Medicare options and the importance of supplemental coverage, as well as factors to consider regarding annuities and long-term care insurance due to the high likelihood of needing long-term care services.
A life settlement is the sale of an existing life insurance policy to a third party investor. The original policy owner sells their ownership rights for a cash payment that is typically higher than the cash surrender value offered by the insurance company. Investors purchase policies at a discount and hold them until the insured passes away, at which point they receive the full death benefit. Life settlements have existed since 1911 but became more common for individual investors starting in 1997. They provide absolute returns that are not correlated to market performance and are considered a low-risk investment due to contractual obligations of the insuring company.
Similar to 10 5-11 client game-plan for jane howland feedback (20)
The document provides an introduction and history of the Internet. It discusses how the Internet originated from ARPANET in the late 1950s and 1960s and key developments like the first email in 1976 and creation of the World Wide Web in 1990. The document also covers basics of how data is transmitted over the Internet using protocols like TCP/IP and defines common terms like URLs, domain names, and IP addresses.
E portfolio guide how to upload and manage filesIris Hershenson
This document provides instructions for uploading and organizing files on an ePortfolio site. Users can log in and click "Upload" to access their file space. They can then select files from their computer to upload. Users can add descriptions, tags, and move files into folders for organization. To display files on portfolio pages, users can drag and drop file icons from their file space onto page content boxes.
E portfolio guide logging in and getting startedIris Hershenson
This document provides instructions for logging into an ePortfolio system and getting started. It outlines steps to log in using Pace Portal credentials, access the home page and read about benefits. It describes how to add contact information, upload photos or other images, and explore viewing, editing, and permission options for different portfolio categories. Contact information is provided for assistance.
This document outlines the course schedule for CIS 101 Spring 2012 across 9 weeks. It includes topics to be covered each week such as Excel, HTML/CSS, security awareness, and assignments. Week 1 covers getting started with Excel and file management. Week 2 focuses on more advanced Excel formatting and functions. Week 3 introduces Excel formulas, functions and team projects. Week 4 enhances Excel with charts and graphics. Week 5 includes an in-class Excel exam, an introduction to the web, and HTML chapter 1. Weeks 6-8 cover additional HTML chapters and assignments. Week 9 reviews HTML chapter 4 and security awareness.
The chapter defines the Internet as a worldwide network of computers that allows users to share information. It discusses how the Internet has revolutionized communication, education, commerce, and more. The history of the Internet is covered, from its origins as the ARPANET project in the 1960s to the creation of the World Wide Web in the 1990s. Various methods for individuals and businesses to connect to the Internet are also described, such as dial-up, DSL, cable, wireless, and mobile access.
Students will form teams of 3-4 members to create a website for their CIS101 final project, combining XHTML, CSS, and programming skills. Each team will present their website to the class during the scheduled final exam time. The project aims to provide an opportunity for students to learn more about their topic while gaining teamwork, project management, and presentation experience. Guidelines include forming teams by Week 3, submitting topic and responsibilities by Week 4, giving a proposal presentation by Week 9, submitting final project materials by Week 13, and doing a final presentation during Week 14.
This document provides a course schedule for CIS 101 Fall 2011 that includes:
- Weekly topics covering Microsoft Excel 2010, HTML/XHTML/CSS, security awareness, and PowerPoint across weeks 1-8.
- Assignments due each week related to the topics, including tutorials, readings, discussions, projects, quizzes, and exams.
- Details on which chapters, pages, and exercises are covered for each topic.
SAM (Skills Assessment Manager) is a web-based application that allows students to complete Excel 2010 skill simulations, projects, exams, and training. It guides students through the initial setup process which includes entering an institution key, creating a user profile, joining a class section, and accessing assignments. Students can then work on projects by downloading instructions and sample files, completing the project, and submitting it for grading. Exams are taken by reviewing instructions and launching the exam interface, which includes a task list, timers, and attempts remaining. Training assignments similarly guide students through observe, practice, and apply modes to demonstrate their skills.
This document provides an overview of key Excel concepts and tasks for beginners, including:
- What Excel is used for and the different types of sheets (worksheets and chart sheets)
- How to plan a workbook by defining its goal, data requirements, formulas, and appearance
- How to enter text, numbers, and formulas into cells
- How to modify column and row sizes, insert new columns and rows, and select cell ranges
- Common functions like SUM and how to enter them automatically
- Different worksheet views for editing, layout, and printing
- How to preview and print worksheets while viewing formulas
This document provides an overview of key Excel concepts and tasks for beginners, including:
- What Excel is used for and the different types of sheets (worksheets and chart sheets)
- How to plan a workbook by defining its goal, data requirements, formulas, and appearance
- How to enter text, numbers, and formulas into cells
- How to modify column and row sizes, insert new columns and rows, and select cell ranges
- Common functions like SUM and how to enter them automatically
- Different worksheet views for editing, layout, and printing
- How to preview and print worksheets while viewing formulas
This document provides an overview of getting started with Microsoft Office 2010, including:
- The main Office programs are Word, Excel, Access, PowerPoint, and Outlook.
- Views allow switching between different layouts like Print Layout and Outline in Word.
- The Ribbon contains tabs for common commands grouped by task.
- Contextual tabs appear for selected objects to modify formatting.
- Files can be saved locally or to the cloud using Windows Live SkyDrive.
Microsoft Office 2010 is a collection of programs including Word, Excel, Access, PowerPoint and Outlook. Each program has different views and the Ribbon provides commands. Contextual tabs display when objects are selected and shortcut menus open with right clicks. Files can be saved locally or to SkyDrive and basic tasks like printing and getting help are accessible.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
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.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
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For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
3. What is MoneyCapsules®?
MoneyCapsules® is a learned process which uses 7 simple words
called the 7 MoneyCapsules®. Designed to communicate an
individual’s unique perspective, MoneyCapsules® is a pre-requisite
for making better money decisions and keeping you in control of your
financial life.
Completed in three simple steps with the help of your
MoneyCapsules® Coach, your Game-Plan is presented to your trusted
advisors before the implementation process, to insure decisions
reflect the client’s complete perspective.
4. Why do I need MoneyCapsules®?
To communicate your Perspective
Perspective- a view of things in their true
relationship or relative importance, Miriam Webster’s Dictionary
Know thyself, Socrates
• Most often, Advisors will start with WHAT they recommend, and How they
plan on implementing the strategy. Rarely, they try to help you better
communicate to them what your perspective is. The WHY you do what you
do.
• When one’s unique perspective is clarified and communicated, decisions are
more powerful putting the client in control of their financial life.
5. How does MoneyCapsules® work
MoneyCapsules ® breaks down financial problems into 7 simple
words across key industry categories. The process helps clients
clearly communicate their perspective to their trusted advisors
even in overwhelming situations.
6. Organize. Understand. Decide
Your Coach, a trained financial professional, will
teach you the MoneyCapsules ® process in three
simple steps
1-Organize- your financial resources and priorities into seven easy
to understand words representing the 7 MoneyCapsules®
Cash-Growth-Income-Risk-Time-Giving-Integration
2- Understand- your perspective by reviewing the choices and
consequences of your actions before you decide
3- Decide- by communicating your perspective reflected in your
Game-Plan to trusted advisors before implementation When
decisions are based on your personal values, they are more
authentic to what you really want. You are better able to
communicate your perspectives with your trusted advisor(s) staying
in control of your financial life.
7. Understand
MoneyCapsules® Industry
Categories
Section 1: Insurance
Section 2: Stocks
Sections 3: Bonds
Section 4: Alternative Investments
8. Understand Product Category/ Type
Insurance / LTC
Key concepts:
• Cash Reserve including: Discussion
• checking/savings accounts How do the Key concepts of Cash
• CDs relate to LTC
• Money Market funds Client questions and notes
• Emergency Funds -
• Sleep well at night -
• Cash Flow including: -
• inflows, outflows, expenses -
• Liabilities/debt
• appropriateness and
inappropriateness of debt
• cash and cash equivalents
• Liquidity
• Access to lump sum
9. Understand Product Category/ Type
Insurance / LTC
Number in order of importance How will the purchase of LTC impact Cash
(review from previous page)
Cash Explain
Liquidity needs ___ -
Cash reserve ____
Opportunity cost ___
-
Lump sum ____ -
Expense
List Unacceptable Consequences
If I buy LTC, if I don’t
-
-
-
-
11. Product Category/ Type
Understand
If never used, I want refund or death benefit
Insurance / LTC
Will protect the growth of portfolio for my family
My guaranteed income will cover most of premium cost
I want to transfer my LTC risk to an insurance company
I want a 6 year benefit period
I want a death benefit if I never use the policy
My decision is heart felt and not made because of guilt
14. Decide Product Category/ Type
Insurance / LTC
Express your perspective to the purchasing of Long-Term Care Insurance
Questions
Why – Want to protect portfolio for my - How might the purchase of LTC
family. Need for transferring risk of LTC to affect my cash flow?
Insurance company. Concern for Death - What are the opportunity cost if
benefit if never used. funds were invested elsewhere?
How- Premium fully funded at beginning of - Will insuring the risk outweigh the
contract to insurance company. Aware of reduction of cash flow?
opportunity cost - How much daily benefit do I
What- Client is looking for a guaranteed require?
universal life insurance with a LTC rider, and - How long should the benefit last?
the ability to receive refund of premium - Will I need annual compounding of
and or death benefit- the benefit?
- Explain the death benefit?
- What are other options to LTC?
15. Perspective Finder trusted
Writing it down helps clarify it and better communicate it to
advisors.
Why do I want- this product?
Why is this important to me.
Use Private Writing for clarity
For example
Why do I want Life
insurance, LTC, Why is this
important to me? How will the answer What- product, service
to my WHY affect or process best reflects
Why do I want Annuity? each
Why do I want hedge fund?
my point of view.
Why do I want mutual fund?
MoneyCapsules
Why do I want CD? Cash
Why do I want a trust? Growth
Why do I want to create a trust for Income
my grandchildren?
Why do I want $2million in cash Risk
reserve? Time
Giving
Why do I invest in stocks, in bonds?
Integration
16. Initial Prospect Call/ Part 1
Have the caller on the moneycapsules.com site during the call
Key points
• This is not a financial advisory or financial planning meeting.
• If caller knows you are a financial advisor, remind them, in this
capacity you are not giving advice. This is an educational
”Coaching” relationship.
• This is about teaching you how to use MoneyCapsules, a process
which gives you mastery over your decisions which control your
financial life through learning how to use 7 simple words. In three
easy steps.
• We are first going to help you get your financial world-
Organized, and then Understood. By so doing, you are not
delegating your perspective and decisions to your trusted advisors.
You are in control and take full ownership.
17. Initial Prospect Call/ Part 2
• The process is taught in 2, one-one individual sessions with me. (skype is
also an option) with home work in between meetings.
• At the end of the meetings you will receive a written Financial Game-Plan
which you will use to communicate your perspective and decisions with
your trusted advisors
• Ask them to explain their current process to Organize, Understand and
make money decisions.
• Ask them to elaborate on the quality of the communication with their
trusted advisors. (remember MoneyCapsules works equally well with
improving communication with legal and tax advisors.)
• How is MoneyCapsules different from the way you are currently doing
things?
• Establish the gap, explain the fees and schedule the two meetings at least
2 weeks apart
18. MoneyCapsules® 1: Cash
For many, strong Cash-Flow is an essential
ingredient to financial freedom, while
sufficient Cash-Reserve completes the
recipe. The Cash tool satisfies the need for
safety while optimizing a healthy balance
sheet
Key concepts
• Cash-Flow
• Cash- Reserve
• Using Cash to avoid selling equity
19. Cash Key Concepts
Cash
Key concepts:
• Cash Reserve including:
• checking/savings accounts
• CDs
• Money Market funds
• Emergency Funds
• Sleep well at night
• Cash Flow including:
• inflows, outflows, expenses
• Liabilities/debt
• appropriateness and
inappropriateness of debt
• cash and cash equivalents
20. MoneyCapsules® 2: Growth
If investments are not compounding, the thief
in the night called inflation, eventually robs
purchasing power. The Growth tool challenges
the inclination to over or under allocate stocks-
bonds, alternative investments or cash.
21. Growth: Key Concepts
Key concepts:
• Investments (long term)
• Diversification/asset allocation
• Magic of compounding
• Total Return
• Investing and speculating
• passive and active investing
• business succession plans
including:
• buy-sell agreements
• transferring ownership
• non-investable assets including:
• real estate
• closely held business
• equity or fixed income assets
• capital lifetime needs
• wealth surplus
• tax sensitivity
• qualified and nonqualified assets
22. MoneyCapsules® 3: Income
Income
Centenarians are the fastest growing segment
of the population.
When income is guaranteed for life, the risk of
outliving your money is reduced.
The income tool helps you to explore your
options with Social Security, Pensions, and
guaranteed life-long Annuities.
23. Income: Key concepts
• Guaranteed life time income
• Social security, annuity, pensions
• cost of living increase (COLI)
• spousal continuation
• optimal allocation: fixed or
variable
• inflation/purchasing power
• sustainable withdrawal rates
• downside market protection
24. MoneyCapsules® 4: Risk
Risk
In a world filled with uncertainty, managing
risk plays a critical role in the health of your
family’s financial life. Wealth replacement and
asset protection satisfies a universal need to
protect those who we love. The Risk tool
examines the implications of transferring risk
to insurance institutions.
25. Risk: Key Concepts
• Insurance: Life, disability, long
term care
• risk tolerance
• divorce and legal separation
• death of spouse or loved one
• titling of assets
• Medical directives
• power of attorney
• health care proxy
• Wills and legal planning
• sandwich generation
• Tax planning
26. MoneyCapsules® 5: Time
Einstein was quoted as saying that the magic
of compounding, creating long-term
growth, was the most powerful force in the
Universe. Time makes this a reality. The Time
tool helps examine lessons learned from
historical market cycles.
27. Time: Key Concepts
• Liquidity
• Short term goals
• Time horizon
• Timing the market/time in
market
• market history/business cycle:
• “the declines are temporary,
the advances are
permanent”
28. MoneyCapsules® 6: Giving
Giving
Giving to family and charities we care deeply
about enriches our lives. The Giving tool
examines tax reduction strategies helping both
the giver and the receiver.
29. Giving: Key Concepts
• lifetime gifting
• education – 529s, UGMA,
UTMA, 2503(c), deductions,
Coverdell,
• legacy gifting
• Maximizing distribution to heirs
• Continued control of wealth after
death
• Charitable giving
• Wills, Trusts/Special needs Trusts
• GRATS-CRATs, ILITS +
• Estate and gift taxes
• Tax efficient giving
• Exemptions and deductions
• Qualified and non-qualified plans
30. MoneyCapsules® 7: Integration
Integration
“We have met the enemy, and he is us.” Pogo
Possum
There is no greater influence on achieving
multigenerational wealth than our behavior.
Panic and greed fuel our irrational decisions.
The Integration tool examines past decisions
and decisions yet to be made.
31. Integration: Key Concepts
• human concerns
• personal values and dreams
• Money purpose
• lifetime goals
• special life planning,
• Common behavioral mistakes
• Investor behavior and investor
success
• Reduce money anxiety
32. Coach Meeting 2: Understand
Know thyself, Socrates
Discover your unique perspective by
• Understanding the 7 moneycapsules.
Clearly articulating what you stand for, why you do
what you do will increase the likelihood.
My Perspective on Cash.
My Perspective on Growth
My Perspective on Income
My perspective on Risk
My perspective on Time
My perspective on Giving
My perspective on Integration
33. Why do people hire a financial
advisor?
We don’t care how much our advisor
knows until we know how much the
advisor cares
Why do we choose a specific doctor, or
advisor?
We feel our perspective is being
understood. Help your advisor by being
able to communicate your perspective.
They want the confidence that their perspective will be
understood when implementation decisions are made