Presentation of Orla Feeney for EDEN's NAP webinar series on 'Critical thinking in education' - 2 December 2020, 17:00 CET
More info:
http://www.eden-online.org/eden_conference/critical-thinking-in-education/
Presentation of Orla Feeney for EDEN's NAP webinar series on 'Critical thinking in education' - 2 December 2020, 17:00 CET
More info:
http://www.eden-online.org/eden_conference/critical-thinking-in-education/
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
November is Financial Literacy month. Did you know that 48% of Canadians say they’ve lost sleep because of financial worries?* Financial stress can be detrimental to mental and physical health, families, relationships and even productivity. With this in mind, we’re providing our advisors with a powerpoint presentation to promote financial literacy in the community. Download it at: https://financialtechtools.ca/financial-literacy/
This presentation covers a number of issues relevant to starting and running a business, including:
* Starting a business: What you need to know
* Ownership structures: Pros/Cons of each
* Business plan: Your roadmap to success
* Financing your business
* Building a relationship with your bank
* Why businesses fail
Speaker: Ms Veni Iozzo, Vice President, CML Business Development, CIBC
More information: http://www.marsdd.com/Events/Event-Calendar/Ent101/2007/mechanics-business-20071212.html
We bring to you to the topic-specific Asset Allocation Management Powerpoint Presentation Slides with apt research and understanding. The ready to use strategic portfolio management presentation deck includes set of content ready PPT slides such as introduction to investments, objectives of portfolio management, types of investment, market scenario overview investment instruments, securities portfolio, analysis and valuation of equity securities, industry analysis PESTEL, SWOT analysis, discounted cash flow method, financial statement analysis, company cash flow statement, investment in special situations, fixed income and leveraged securities, bond valuation system, reinvestment risk table, type of convertible securities, options analysis, warrants summarization overview, derivative products, put and call options, stock index futures and options, stock indexes comparison table, broaden the investment perspective, international security market highlights, global market trends, mutual funds investment criteria overview, investment in real estate, diversified real estate classification, KPIs and dashboards etc. Simply download the portfolio analysis PPT visuals and capture your audience's attention. Highlight the fact that you have the credentials with our Asset Allocation Management PowerPoint Presentation Slides. You will emerge as the favorite candidate.
Regardless of how much money one has, it seems that everyone wants even greater wealth. One way to accomplish this is through investment strategies to grow your assets.
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
November is Financial Literacy month. Did you know that 48% of Canadians say they’ve lost sleep because of financial worries?* Financial stress can be detrimental to mental and physical health, families, relationships and even productivity. With this in mind, we’re providing our advisors with a powerpoint presentation to promote financial literacy in the community. Download it at: https://financialtechtools.ca/financial-literacy/
This presentation covers a number of issues relevant to starting and running a business, including:
* Starting a business: What you need to know
* Ownership structures: Pros/Cons of each
* Business plan: Your roadmap to success
* Financing your business
* Building a relationship with your bank
* Why businesses fail
Speaker: Ms Veni Iozzo, Vice President, CML Business Development, CIBC
More information: http://www.marsdd.com/Events/Event-Calendar/Ent101/2007/mechanics-business-20071212.html
We bring to you to the topic-specific Asset Allocation Management Powerpoint Presentation Slides with apt research and understanding. The ready to use strategic portfolio management presentation deck includes set of content ready PPT slides such as introduction to investments, objectives of portfolio management, types of investment, market scenario overview investment instruments, securities portfolio, analysis and valuation of equity securities, industry analysis PESTEL, SWOT analysis, discounted cash flow method, financial statement analysis, company cash flow statement, investment in special situations, fixed income and leveraged securities, bond valuation system, reinvestment risk table, type of convertible securities, options analysis, warrants summarization overview, derivative products, put and call options, stock index futures and options, stock indexes comparison table, broaden the investment perspective, international security market highlights, global market trends, mutual funds investment criteria overview, investment in real estate, diversified real estate classification, KPIs and dashboards etc. Simply download the portfolio analysis PPT visuals and capture your audience's attention. Highlight the fact that you have the credentials with our Asset Allocation Management PowerPoint Presentation Slides. You will emerge as the favorite candidate.
Regardless of how much money one has, it seems that everyone wants even greater wealth. One way to accomplish this is through investment strategies to grow your assets.
PROTECT YOUR FAMILY’S FINANCIAL SECURITY IN TOUGH TIMEScutickfinancial
https://cutickfinancial.com - Financial security is the comfort of knowing your family’s standard of living is secure even when a life-changing event occurs. It is also about having the means to achieve your most important goals, like owning a home or sending your children to college. Many of us are working hard to reach those goals. Some of us may have achieved them. But ongoing economic turmoil has been a rude wake-up call for all of us. We have seen events beyond our control decimate our savings and retirement accounts, knock down the value of our homes and diminish our job security
Money management is more important than earning money. Money management tips may not be the same for everyone. It may vary considering your behavior of money management. You should know how to manage money wisely. Your well-deserved cash should be saved, contributed to, and spent prudently in a deliberate way to guarantee long-haul dependability and liquidity. This should be possible through viable cash the board.
Money management is more important than earning money. Money management tips may not be the same for everyone. It may vary considering your behavior of money management. You should know how to manage money wisely. Your well-deserved cash should be saved, contributed to, and spent prudently in a deliberate way to guarantee long-haul dependability and liquidity. This should be possible through viable cash on the board.
Build a Successful Financial Plan
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Financial planning is defining your goals in life and realizing that the only way to provide for them is through disciplined spending, regular saving, and wise investing. It isn’t a blueprint for life that once drawn never changes. It is flexible and adaptable to your changing needs. Moreover, best of all, you can accomplish it at any income level.
A sound financial plan includes both short- and long-term goals. It starts with the realization that, in the early and even middle years of life, you must develop the habit of saving. Only by living below your means can you build a fortress of savings to pay for the important things that lie ahead.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
2. Believe it or not, building wealth for a secure, early retirement is actually very simple…
The equation for financial success is a function of just three easy-to-understand principles:
1. The amount of money you invest.
2. The growth rate of your money.
3. The amount of time it has to grow.
Unfortunately, few people succeed in building wealth because it has little to do with understanding simple
principles and everything to do with taking effective action.
The challenge isn’t in knowledge, but in translating that knowledge into meaningful results.
You probably already know the three principles for compounding and building wealth. Most people do; yet, few
people actually live according to them.
3. Have a Plan
The first mistake most people make is they lack a written plan to build financial
security.
You can’t put the formula for financial success to work for you without a plan to
accomplish it.
It may be a simple process, but it won’t happen randomly. You make it happen by
taking action. A written plan with goals provides the road map and is a necessary
first step.
Financial success is a choice. It results from the many small decisions you make each
and every day. Without a plan and goals to achieve wealth, your life is like a sailboat
without a rudder: it just spins in circles without definite direction.
4. Lifestyle Lags Income
Most people prefer the trappings and illusion of wealth over the freedom of actual
wealth. They want to look wealthy rather than be wealthy.
Don’t believe it?
Just look around you and see how many people are in debt compared to how many
people are wealthy. Most people choose lifestyle over financial freedom and violate
the first principle in the wealth building equation: accumulate assets.
They spend instead.
The problem is you will never become rich by spending money. You must control
your spending so that your lifestyle lags behind your income. This will create
available capital for your investment activities.
5. Invest in Your Financial Education
This is critically important because financial intelligence cannot be developed
overnight any more than wealth can be accumulated overnight. It takes time and
disciplined effort.
The earlier you learn your lessons, the less they will cost you. You’ll gain experience
on smaller investment decisions, where mistakes can be offset by new savings.
The longer you wait to learn these lessons the more they will cost you. That cost
comes in the form of years of missed opportunities and mistakes made with big
investment decisions later in life that can’t be offset by savings.
There is nothing more financially dangerous than an investor making a million
dollars’ worth of decisions with a thousand dollars worth of financial intelligence.
When it comes to investing, a little knowledge can be a dangerous thing, and a lot
of knowledge can be a profitable thing. Get a lot of knowledge.
6.
7. Put Your Wealth Building on Auto-Pilot
The easiest, least painful way to save your way to wealth is automatically. Arrange your
finances so that every month certain actions take place that automatically grow your assets
without any decisions or extra effort on your part. This creates an enforced discipline to
keep you on track. Below are a few examples:
Own Your Home: Purchasing your personal residence has several advantages. A portion of
each monthly payment pays down debt which builds equity, automatically. Assuming you
finance with a fixed interest rate, fully amortizing mortgage, you can expect appreciation
from inflation over time; yet, you will repay a fixed amount of debt with depreciating
currency. Again, that’s automatic.
Rental Real Estate: If owning your own home is a great idea, then owning even more homes
where someone else makes the payments for you is an even greater idea. But be careful:
make sure the property has a safety margin of positive cash flow and make sure you’re
willing to deal with the potential headaches of being a landlord.
Tax Deferred Retirement Plans: Maximize your contributions to your tax-deferred
retirement plans so that the money comes out of your paycheck automatically before you
ever see it. This is a relatively pain-free way to save because you seldom miss what you
never had.
8. Don’t Procrastinate – Start Today
The next variable in the wealth accumulation equation is the amount of time your
wealth compounds and grows.
If you wait just six years to get started and your assets grow at 12% annually, you will
have half as much money when you retire compared to starting today (assuming equal
contributions over your working lifetime).
If you wait just twelve years you will have only a quarter as much.
That’s a life changing difference in net worth for just a little procrastination. Just getting
this one idea into your bones early enough can change your financial future. It’s that
important.
The power of compounding is an invaluable wealth-building tool because money grows
geometrically instead of arithmetically — but only when you give it time to work.
9.
10. Take Responsibility for All Your
Investment Results
Unless you are a trust fund baby or win the lottery, the way you will become wealthy is
by owning full responsibility for every aspect of your wealth.
This causes you to get into action and correct and adjust your plans until you reach your
goal. You must build your wealth like an entrepreneur builds a business: “if it’s got to be,
then it is up to me.”
You are solely responsible for organizing your life so that wealth accumulation is a habit.
Nobody else will do it for you.
You are the one that determines the priority of your spending habits and whether your
lifestyle lags your income or not. You are the one who determines whether you start
today or procrastinate until tomorrow.
11. Commit What Is Necessary to Succeed
Successful retirement planning requires you to provide the necessary resources to reach
the goal. Don’t set yourself up for failure by under-committing.
For example, you don’t want to build a retirement plan around owning and managing
rental properties unless you want a part time job. Operating real estate requires effort
and can be appropriate for some people and not for others depending on your values,
interests and skills.
Don’t commit to real estate as your path to wealth unless you are willing to commit to
doing the work required to run a real estate portfolio properly. It isn’t a 100% passive
investment. It is part business and part investment for as long as you own it.
Similarly, you don’t want to build your retirement plan around passive investing in paper
assets if you’re in your late 50’s, have zero assets, and are just getting started. Someone
in that situation will require greater leverage and require active investment strategies to
make up for the late start.
12. Make Your Money Hard to Reach
A pile of savings that is easy and pain-free to reach is an easy solution to life’s troubles.
And that’s a bad thing.
Your car breaks and you use your savings to buy a new one. You get laid off and use your
savings to carry you through until the perfect job arrives. Life throws you curve balls,
and savings without barriers to protect them are an easy target for solution.
That is why I love the government-sponsored retirement plans with all the difficult rules
and penalties you must overcome to access your money prior to retiring. These
obstacles provide a measure of discipline for those who inherently lack this life skill.
Even if you have the discipline of a celibate monk, the rules and penalties provide a
formidable barrier for your inevitable moments of human weakness.
The rule is simple: when you build a nest egg, don’t raid it. Never borrow money from it
for current lifestyle and don’t spend a dime of it until after you retire.
13. Risk Management Is Essential
The mathematics of compounding wealth prove that avoiding large losses is equally as
important to growing your wealth as pursuing large gains. They are mathematical flip-
sides to the same coin.
For that reason, a smart investment strategy manages risk of loss and volatility risk using
a variety of tools. These include diversification, careful asset selection, valuation, and a
sell discipline to create a defensive investment plan.
While it is essential to practice defensive investing through risk management it does not
mean you should avoid risk altogether by hiding out in Treasury Bills or other so-called
“safe assets.”
You must have an aggressive, offensive investment strategy to build wealth because
your objective is to grow your assets faster than inflation erodes them so that you
increase purchasing power. Hiding out in safe investments won’t achieve that goal.
14.
15. Basic Estate Planning
It is irresponsible to leave a burden for those you leave behind. The fact is you will die
with 100% certainty.
No one likes to think about it, but that’s the reality. Another reality? Your loved ones will
be distraught over your passing, busy with their own lives, and not interested in
cleaning up a messy financial legacy.
Your estate plan covers your financial assets and also helps set a clear legacy. Get your
affairs in order and make all the decisions about who gets what now. Depending on your
particular circumstances this might include:
• Powers of Attorney
• Will
• Living Trust
• Life insurance
…and much more depending on your circumstances and desires