Personal Finance for Engineers (Stanford CS 198, Nov 2015)Adam Nash
This is the version of my talk, Personal Finance for Engineers, that I gave at Stanford University on November 2, 2015 for the CS 198 Section Leader program.
Personal Finance for Engineers (Stanford Society of Women Engineers / SWE, 2016)Adam Nash
This is the version of my talk, Personal Finance for Engineers, given at Stanford on April 26, 2016. It was hosted by the Stanford Society of Women Engineers and the Stanford Society of Latino Engineers.
Personal Finance for Engineers (Stanford Computer Forum, Apr 2017)Adam Nash
This is the version of my talk, Personal Finance for Engineers, given at the Gates Computer Science Building at Stanford for the Stanford Computer Forum.
Personal Finance for Engineers (Stanford CS 198, Nov 2015)Adam Nash
This is the version of my talk, Personal Finance for Engineers, that I gave at Stanford University on November 2, 2015 for the CS 198 Section Leader program.
Personal Finance for Engineers (Stanford Society of Women Engineers / SWE, 2016)Adam Nash
This is the version of my talk, Personal Finance for Engineers, given at Stanford on April 26, 2016. It was hosted by the Stanford Society of Women Engineers and the Stanford Society of Latino Engineers.
Personal Finance for Engineers (Stanford Computer Forum, Apr 2017)Adam Nash
This is the version of my talk, Personal Finance for Engineers, given at the Gates Computer Science Building at Stanford for the Stanford Computer Forum.
Personal Finance for Engineers (Stanford CS Forum, 2018)Adam Nash
This is the version of my talk, Personal Finance for Engineers, that I gave at Stanford University in the Gates Computer Science building for the Stanford CS Forum on February 8, 2018.
Discover how to save more than $100,000 in 15 years or less with this step by step action plan to get your personal finances under control. Learn about saving, investing and budgeting. Learn how to pay down debt and stay out of debt, to increase your money-making efforts. If you've been struggling to earn more money, make the money you have go to work for you. http://amzn.to/1SIpgHz
Japan- world’s 3rd largest economy
The US Economy is going through many similar events
The Nikkei 225 Index Japan’s Stock Market
is Still down 72%... 20 years later
What Happens in a 20 year “BEAR” market?
Imagine if you still had every penny of gains you’d received on your investments!
Monthly Market Perspective - June 2016David Berger
The drivers of short-term market moves can be vastly different from those which underpin the cycles of longer-term market direction. This month we examine a variety of these factors.
BYYD. Все, что вам нужно знать о мобильном видеоHybridRussia
Мобильное видео – формат который произвел бум в сфере интернет-рекламы. спикеры расскажут о составляющих успешной кампании и продемонстрируют на примере кейсов интересные подходы к мобильному видео.
Personal Finance for Engineers (Stanford CS Forum, 2018)Adam Nash
This is the version of my talk, Personal Finance for Engineers, that I gave at Stanford University in the Gates Computer Science building for the Stanford CS Forum on February 8, 2018.
Discover how to save more than $100,000 in 15 years or less with this step by step action plan to get your personal finances under control. Learn about saving, investing and budgeting. Learn how to pay down debt and stay out of debt, to increase your money-making efforts. If you've been struggling to earn more money, make the money you have go to work for you. http://amzn.to/1SIpgHz
Japan- world’s 3rd largest economy
The US Economy is going through many similar events
The Nikkei 225 Index Japan’s Stock Market
is Still down 72%... 20 years later
What Happens in a 20 year “BEAR” market?
Imagine if you still had every penny of gains you’d received on your investments!
Monthly Market Perspective - June 2016David Berger
The drivers of short-term market moves can be vastly different from those which underpin the cycles of longer-term market direction. This month we examine a variety of these factors.
BYYD. Все, что вам нужно знать о мобильном видеоHybridRussia
Мобильное видео – формат который произвел бум в сфере интернет-рекламы. спикеры расскажут о составляющих успешной кампании и продемонстрируют на примере кейсов интересные подходы к мобильному видео.
Quelques critères de choix d"un CMS des points de vue directions donctionnelles, DSI, contributeurs et utlisateurs. Evaluation de ces différents critères pour un site web ou intranet correctement monté avec Drupal. Base de futures comparaisons.
Cette session nous permettra de développer les points suivants :
- Pourquoi cette session
- pourquoi d8 a besoin de volontaires ?
- comment aider en fonction de ses compétences/goûts et de sa disponibilité ?
- un petit jeu pour terminer
Conference drupal 8 au Forum PHP 2013 à ParisChipway
Conférence sur les nouveautés de Drupal 8 lors du Forum PHP 2013 à Paris.
Léon Cros a parlé de Views, Symfony2, Editeur CKEditor, Édition directe, HTML5, Mobile et smartphones, services web, ...
4 sites communautaires faits avec BuddyPress, WordCamp Paris 2016Sylvie Clément
Retours d'expérience sur la réalisation de 4 sites communautaires différents avec WordPress et son extension BuddyPress : un site participatif, un site associatif, une plateforme de mise en relation et un réseau social.
Conférence faite au WordCamp Paris 2016
Contained within this guide are 13 essential rules for profitable investing. Each rule is easy-to-implement and will bring about a measurable increase in your long-term returns. Check it out now!
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.
Capital raising tips and tricks - Based on some of the main questions we get on raising capital, here are some tips and tricks to successfully do so. Here at Wilson, we get many questions on how to best raise capital, how to reach out to family offices, how to raise money for businesses, funds, investments, etc., and which strategies, tips, and tactics we would recommend be implemented to have successful capital raising.
What is a family office? What are family offices doing today? How should we reach out to family offices? How should we reach out to investors in general? What's the best way to position ourselves?
http://ekinsurance.com/financial/retirement/
If you are near retirement or have retired, listed below are several common mistakes that occur in the arena of financial planning for retirement that you can plan now to avoid.
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US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
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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 can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
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
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how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
2. Don't Take Financial Advice
From Family & Friends#1
Okay, so this may be a bit overstated. But it makes the point. We hear stories over and over
again of doctors and other practitioners who say “my father told me to invest in…” or “all of my
colleagues are doing this…”
Why do we so easily do what everyone else does? It doesn't make sense.
The majority of individuals, families, and businesses are poor money managers and financial
decision makers. Yes, of course, there are some of us who have very wise and financially astute
friends and family. But they are few and far between.
We are all products of our experiences – these experiences create our world view, our reality.
But that is not reality. It is our perception of reality. While it’s certainly not a bad idea to get
advice from multiple people, getting opinions from too many unqualified people can leave you
with information overload. Too much misinformation and you’re bound to [subconsciously]
make choices accordingly.
3. Control the Decision-Making
Process, Ignore the Results#2
Similar to point #1, point #2 involves focusing on making decisions based on accurate
information and context.
Outcome Bias is a problem that most of us face. We make decisions based on past
results, even if those results were a fluke.
A better idea is to look at the information you have when it’s time to make a decision. We
cannot control the results. Only the process. The most successful physicians, athletes, and
businessmen and women only focus on what they can control.
4. Understand that Financial People
Do Not Know All Things Finance#3
Insurance advisors are not tax gurus. CPAs are not insurance experts. CFOs are not investment
specialists. And many investment pros know little about accounting and financial management.
Just like in the medical field – a cardiologist will certainly know more than the average person
about neurology or urology, but he still isn’t a neurologist or urologist. He’s a cardiologist.
A CPA may understand everything there is to know about tax law, but likely will not know as
much as they think they know about investments and insurance (unless he or she has been
specifically and extensively trained in a certain area).
Your team should be built with advisors that have verified specialties in various arenas – i.e.
tax, insurance, investments, estate planning, and business planning.
Do not expect just one advisor to know everything. And if they pretend they do, run as fast as
you can.
5. Save 20-30% of Your Gross Income
#4
It’s all about discipline. You won’t have any strategic financial decisions to make if you don’t
have the assets to make them with.
It may be a simple idea, but saving 30% of income is rare. If you can do this it will be hard to fail.
6. Understand Time Value of Money Principles
and the Fact That Money Has a Cost#5
Americans all over the place are over paying for debt, services and so much more. When you
over pay for a debt or service you lose the ability to earn interest on that money.
A quick example – if you overpay on homeowners insurance by $50 per month ($600 per year)
you lose the ability to invest that money. Assuming that money would have earned a 4%
interest rate annually you would have lost a total of $50,927 over the course of a 30 year
mortgage.
If family that wastes $1,500 a month (an amount that is not uncommon for American families)
– that amounts to $1,527,805 of lost capital after 30 years. (Assuming a 4% interest rate)
That’s a lot of money.
7. Don't Forget That Cash is Always King
#6
This one is short and sweet. A major reason to save is so you’ll have cash when opportunities
come along. When you have capital good opportunities will find you – trust me.
8. Don't Fall Into the 401(k)/403(b) Trap
#7
As you can see, these points are building on one another. The main issue with putting too much
(or all) of your savings into a 401(k) or 403(b) is the fact that it’s locked up till you’re 59 ½.
Oh yeah… and the fees are usually ridiculous. Research has shown that annual fees in qualified
plans are consistently above 2-2.5% per year. That’s going to equate to a 30% reduction in your
long-term reduction of your account value.
Better hope the market flies upwards if you’re heavily committed to a 401(k) type plan.
9. Your Thinking Will Evolve Over Time
#8
Recognizing that your thinking (and your desires) will change over time is one of the most
mature decisions you can make.
The 50 year old thinks differently than he did at 25. And the 70 year old thinks differently that
she did at 45. Understanding that you will wish you had done or hadn't done certain things in
the future is the first step in what we call ‘The Foresight Process.’
The more effectively we can plan and make decisions based on how we’re going to feel in the
future, rather than how we feel today, will yield an extremely valuable long-term outcome.
10. An Average Rate of Return Can Be Very
Deceptive#9
Financial planners and ‘gurus’ have been using average rates of return to predict future results
for years. This shows an incredible amount of ignorance – many of us used to believe it
ourselves.
What they should be looking at is the true rate of return, known in the financial industry as the
CAGR (Compound Annual Growth Rate). The CAGR is the effective rate earned each year.
Numbers lie. In order to get the truth about numbers, we have to put them in accurate context.
(Continued on the next page)
11. An Average Rate of Return Can Be Very
Deceptive (Continued...)#9
Let’s assume for a moment that you saved $10,000 each year for 5 years. This is how your
investment performed each of the last five years:
Year 1: up 28%
Year 2: up 9%
Year 3: down 21%
Year 4: up 6%
Year 5: up 14%
What is our average rate of return at the end of the five years? All we have to do to find the
average rate is add up each year and divide that sum by the total number of years.
28% + 9% + -21% + 6% + 14% = 36% / 5 years = 7.20%
Our average rate of return is 7.20%.
(Continued on the next page)
12. An Average Rate of Return Can Be Very
Deceptive (Continued...)#9
While the average rate of return is 7.20%, at the end of the 5th year our account looks like this:
But, if we expect a 7.20% average and run it as a CAGR (as most people do), it would look like
this:
This isn’t how rate of return works. It varies year to year. It is volatile.
(Continued on the next page)
13. An Average Rate of Return Can Be Very
Deceptive (Continued...)#9
In the end of that first scenario, we’d put in $50,000 ($10,000 per year for five years) and we
have $56,755. So what is that true rate of return (CAGR)? 4.25%
4.25% is a far cry from the 7.20% every single year that many people think they’re getting.
14. Conventional Wisdom is Often Wrong
#10
“This `telephone' has too many shortcomings to be seriously considered as a practical form of
communication. The device is inherently of no value to us.”
- Western Union internal memo, 1878
As you've seen so far, conventional wisdom – the accepted knowledge of the majority – in
many cases in completely wrong.
Todd Langford, the mastermind behind the software company TruthConcepts.com, has said
that one of the worst phrases in the world is “if it sounds too good to be true, it probably is.”
This is such a tragic phrase because nearly anything of value seemed at one point or
another, to be too good to be true.
Think about it – modern advances in medicine, airplanes, electricity, automobiles, personal
computers, the internet all seemed to good to be true at one point in time.
15. Seek Independent, Objective & Specialized
Advice From People That Recognize They
Don't Know Everything
#11
Finally, and along with point #3, we encourage you to seek unbiased, expert, and open-minded
advice. By open-minded we really mean humble.
Luckily, most of the tremendously competent financial advisors, the ones with a vast amount of
expertise in their fields, will not feel the urge to know it all. So maybe that’s the first litmus test.
You want an advisory team that thinks outside the box. Because, if they’re inside the box they
will try to get you in the box with them – and then you’ll get the same results as the majority:
mediocrity.