The document provides an 8-point checklist for improving financial health on "Financial Health Day" by reviewing various accounts and bills. The checklist includes reviewing bank statements for unnecessary subscriptions, checking mortgage interest rates and PMI for potential refinancing opportunities, reviewing insurance policies for appropriate coverage and costs, auditing phone, cable, internet and savings accounts, obtaining credit reports to check for inaccuracies, and creating a plan to pay down debt by redirecting saved funds. The goal is to take a half day to thoroughly audit finances, optimize expenses, and improve savings and debt repayment.
If you need a mortgage or insurance advisor, Kiwi Mortgages can help. We are a full-service broker and work with most Banks, non-Bank lenders, and Insurance companies in Auckland
If you need a mortgage or insurance advisor, Kiwi Mortgages can help. We are a full-service broker and work with most Banks, non-Bank lenders, and Insurance companies in Auckland
You’re thinking of buying a home? Congratulations -- it’s an exciting
process. And it can be a lot of fun. You get to envision the type
of lifestyle you want for yourself (and your family). Do you want
a beautiful two-story home close to your work? Do you want a
modern, stylish condo in the heart of downtown? Are you yearning
to live near the beach, the mountains, restaurants, good schools,
museums, or family?
One of the greatest things about purchasing your own home is
that you get to make it yours. Even before you move in, you’re in
charge of making the decisions about which home you will buy.
It’s a powerful feeling -- having total control. But it can also be a bit
overwhelming, especially when you’re doing it for the first time.
That’s why we wrote this guide. We want to make purchasing a home
less scary and give you the confidence to move forward through
each step of the process -- from beginning to end, when you move into your new home!
We can’t avoid or control, but it is advisable that we should be better prepared for such situations. By following golden rules of housing Loan EMI, we can manage and control our EMI in a better way.
This is a basic slideshow about the costs and benefits of credit. Especially informative for young adults or those who are applying for credit for the first time.
Mark Lesinski Hamburg NY - A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts. Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Today, because of the credit crisis having a high credit score is more crucial than it has ever been.
If you have not already, it likely won't be long until you run into life circumstances where somebody requests to see your credit. From buying a cellular phone to obtaining a home mortgage, credit report reports and ratings are utilized by services to calculate your credit reliability and establish your loaning terms.
Website - https://whatcomcreditrestoration.com
TechRaking 7 Presentation: The Whisper HuntersCole Goins
A design solution by Tomas Davis, Marimar Suarez, Jorge Torres. This concept was the runner-up at TechRaking 7, hosted by The Center for Investigative Reporting and the California College of the Arts.
Copyright: Tomas Davis, Marimar Suarez, Jorge Torres
You’re thinking of buying a home? Congratulations -- it’s an exciting
process. And it can be a lot of fun. You get to envision the type
of lifestyle you want for yourself (and your family). Do you want
a beautiful two-story home close to your work? Do you want a
modern, stylish condo in the heart of downtown? Are you yearning
to live near the beach, the mountains, restaurants, good schools,
museums, or family?
One of the greatest things about purchasing your own home is
that you get to make it yours. Even before you move in, you’re in
charge of making the decisions about which home you will buy.
It’s a powerful feeling -- having total control. But it can also be a bit
overwhelming, especially when you’re doing it for the first time.
That’s why we wrote this guide. We want to make purchasing a home
less scary and give you the confidence to move forward through
each step of the process -- from beginning to end, when you move into your new home!
We can’t avoid or control, but it is advisable that we should be better prepared for such situations. By following golden rules of housing Loan EMI, we can manage and control our EMI in a better way.
This is a basic slideshow about the costs and benefits of credit. Especially informative for young adults or those who are applying for credit for the first time.
Mark Lesinski Hamburg NY - A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts. Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Today, because of the credit crisis having a high credit score is more crucial than it has ever been.
If you have not already, it likely won't be long until you run into life circumstances where somebody requests to see your credit. From buying a cellular phone to obtaining a home mortgage, credit report reports and ratings are utilized by services to calculate your credit reliability and establish your loaning terms.
Website - https://whatcomcreditrestoration.com
TechRaking 7 Presentation: The Whisper HuntersCole Goins
A design solution by Tomas Davis, Marimar Suarez, Jorge Torres. This concept was the runner-up at TechRaking 7, hosted by The Center for Investigative Reporting and the California College of the Arts.
Copyright: Tomas Davis, Marimar Suarez, Jorge Torres
TECNOLOGÍAS DE LA COMUNICACIÓN E INFORMACIÓN (TIC) EN EL AULA
OBJETIVOS
Conocer, aplicar y evaluar las tecnologías actuales de la comunicación e información en el desarrollo de programas formativos, teniendo en cuenta su especialidad.
Promover conocimientos, habilidades, estrategias y herramientas que permitan integrar recursos tecnológicos (Internet y multimedia) en la educación.
Analizar los cambios organizativos que promueven las TIC
Integrar las herramientas que nos proporciona Internet en el aula
Posibilitar el conocimiento de experiencias reales.
¿Qué son las TIC’s?
Las nuevas tecnologías de la Información y Comunicación son aquellas herramientas informáticas que procesan, almacenan, sintetizan, recuperan y presentan información representada de la más variada forma.
Es un conjunto de herramientas, soportes y canales para el tratamiento y acceso a la información. Constituyen nuevos soportes y canales para dar forma, registrar, almacenar y difundir contenidos informacionales.
El uso de las TIC por parte de los educadores implica:
sepa enfrentarse a la información (buscar, seleccionar, elaborar y difundir)
formación para el uso de las NTIC
tome conciencia de las implicaciones económicas, ideológicas, políticas y culturales de la tecnología en nuestra sociedad
Internet como recurso educativo
Permite tanto aprendizaje interactivo como no interactivo.
Integra multimedia en un único canal.
Aparece como un entorno o ambiente que permite tanto aprender como utilizar lo aprendido.
Se pueden utilizar materiales educativos situados en otros Sitios de la red.
Los alumnos pueden publicar su trabajo.
Permite acceder a propuestas educativas mundiales
REDES SOCIALES /COMUNIDADES VIRTUALES
Son grupos de personas, con algunos intereses similares, que se comunican a través de Internet y comparten información (aportan y esperan recibir) o colaborar en proyectos.
Algunas plataformas que constituyen redes sociales o que sirven para crearlas son: BSCW, Second Life, Twitter…
Las comunidades virtuales de aprendizaje redes sociales cuyo objetivo principal está relacionado con el aprendizaje.
MODELOS DIDÁCTICOS:
Redes de estudiantes. A partir de determinada edad, cada grupo de clase y con la colaboración del profesor, se podría constituir en comunidad virtual de aprendizaje, multiplicando así las oportunidades de aprendizaje.
Comunidades virtuales de profesores. Las comunidades virtuales de profesores suponen un magnífico medio de formación continua y de obtención "in time" de apoyos cognitivos y emotivos: compartir experiencias y problemas, buscar soluciones y recursos...
Sandvik Mining, a leading global supplier of equipment and tools, service and technical solutions for the mining industry, tested a prototype of its Sandvik DR461i rotary drill rig at Barrick Gold’s Cortez mine in Nevada. As part of the testing process, Sandvik Mining engineers collaborated with Barrick Gold equipment operators to evaluate the new drill’s safety features and recommend enhancements before the product launches globally. The results of this process, formally known as EMESRT Design Evaluation for EME Procurement (EDEEP), were presented by Sandvik Mining and Barrick Gold representatives at the Global Health & Safety Excellence for Mining Forum in Las Vegas.
Tips On How You Can Go From A Negative Credit Rating To A Positive Credit Rat...The Credit Redeemer
If you’ve ever wondered how credit repair companies can be so effective at improving your credit rating, you’re probably asking yourself what exactly the top credit repair companies are doing behind the scenes that you aren’t. Fortunately, there are plenty of helpful tips on how to improve your credit score available on the Internet that will tell you exactly what these companies do. You just have to find them!
Website - https://thecreditredeemer.com/
If you are wondering how to improve your credit score, then there are some habits that you need to adopt to build your credit history and improve your credit score.
Website - https://decs-wekilldebt.com
Jimmy Vercellino is one of the nation’s top VA Home Loan mortgage originators. A Marine veteran, he and his team work hard to help veterans take advantage of their VA loan benefit and become homeowners. From start to finish, they guide their clients through the process and make it as smooth and stress-free as possible. Visit the site at https://www.valoansforvets.com
VA Loans for Vets NMLS#184169
5050 North 40th Street, Ste 260
Phoenix, AZ 85018
(602) 908-5849
Retirees: Important Questions About Finances309finance
Baby Boomers are retiring and approaching retirement age at a very fast rate and with a very high volume. Many of the baby boomers as well as anyone reaching retirement might have questions about financial security or personal finances. This slide presentation is just a quick guide to popular retirees questions that you might encounter as well as questions regarding retirement and finances.
Note: we are not making any recommendations or advice via the slides. Our goal is to provide information to help you research and understand the challenges being faced by retirees.
Presented by: www.309finances.com
Similar to An 8 point financial health day checklist (20)
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
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 get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
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.
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
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
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.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
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
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 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
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.
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.
2. 1.Check your bank account statements. It’s very
easy to set subscription services and bill payments
up for automatic deduction from our chequing
accounts, then just forget them entirely – hence the
phrase, “set it and forget it!” That’s actually the
point, you might think. Financial Health Day is the
day to take a half hour and just review your
chequing account statements from the last couple
of months, line by line, looking for any subscriptions
you no longer want or need. Then cancel them!
Common ones include cable, app and magazine
subscriptions.
3. 2.Check your mortgage interest rate. Just
because today’s interest rates are lower doesn’t
necessarily mean that every homeowner with a
mortgage rate over 4 percent should
refinance! Refinancing your home loan can cost
money, and it definitely extends the life of your
mortgage (unless you make an intentional, strict
plan to pay it off early). Talk with your financial
planner and mortgage professional to do the
math and see whether you should consider
refinancing your home loan.
4. 3.Check your PMI. If you put less than a 20
percent down payment into your home when
you bought it, you were likely required by your
lender to have Mortgage Insurance (PMI)
policy. PMI insurance that protects your lender
in the event you default on your mortgage – is
not cheap. It can add hundreds of dollars to your
monthly mortgage payment. Maybe consider a
larger down payment if possible.
5. 4.Check your insurance. Gather up your
homeowner’s and other insurance statements, or
call your agent(s) up and ask for a review. What you
want to do is make sure that (a) you’re appropriately
insured for your exposure, and (b) you aren’t paying
more than you need to. Talk with your insurance
agent and your financial planner, if you have one, to
sort these matters out, and don’t be afraid to shop
around.
7. 6.Check your savings. Do you have an automatic
savings plan in place? If not, Financial Health
Day is a great day to set that up with your
bank. If you do, it’s the right time to do a gut
check: would it hurt you to save an extra $50,
$100 or $200 a month? If you can afford to,
tweak your savings on Financial Health Day.
8. 7.Check your credit. Pull your own credit reports
from all the credit bureaus. Scan the reports for any
inaccuracies and any delinquencies that should
have aged off your report but have not (7 years for
most, 10 years for bankruptcies). Then, initiate
disputes for any of these things you find. This can
take some time, but Financial Health Day is the
perfect opportunity to assertively manage your
credit before you’re in refinance or home buying
crunch-time.
9. 8.Check your debt. Monitor all of your debt – from your
mortgage, to your consumer debt to your student and
auto loans – and put a plan in place for getting rid of as
much of it as you can, as soon as you can. Can you afford
to make an extra payment toward your mortgage? Can
you pay that credit card off? As you’ve worked through
the rest of your finances, you have likely ‘found’ money,
which you’ll now be saving and can redirect toward the
very worthy aim of debt elimination. But if all you can do
is make a modest extra payment toward these things on
your actual Financial Health Day itself, you’ll still end the
day a little further ahead than you were when you got
started.
10. What are tips can you add to this list? Tell us
below.
11. Randy Bett
Investment Realtor/Author/Investor
Real Estate Professionals Inc.
Better Group Real Estate
202-5403 Crowchild Trail NW
Calgary, AB T3B 4Z1
Phone:403-774-7464 Ext:1
Fax:403-208-0082
Toll Free fax:888-711-6801