Basic finance and retirement details : Dilshad Billimoria Certified Financial Planner
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The document discusses key facts about financial planning and investing, including the effects of inflation and compounding returns. It notes that inflation reduces purchasing power over time and that starting to save early allows greater benefit from compounding returns. The document also discusses different asset class returns, with equities providing the highest average returns, and the importance of considering taxes, inflation, and fees when calculating real investment income. Finally, it emphasizes the need for retirement planning and choosing investment options carefully based on factors like interest rates, inflation, fees and guarantees.
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Retirement Planning Process
1) The document outlines the steps for retirement planning which include identifying goals and expenses, inventorying assets and income sources, analyzing the likelihood of reaching goals, creating an action plan, and monitoring the plan.
2) It emphasizes prioritizing retirement objectives from most to least important and quantifying essential versus non-essential expenses.
3) Key retirement income sources like Social Security, pensions, and investments are discussed along with ensuring reliable income will cover minimum expenses and filling any gaps.
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This document provides advice on financial planning. It discusses how people's spending habits have changed from earning, saving, and spending, to earning, spending, and paying monthly installments. It emphasizes the importance of financial planning and having different categories for short, mid, and long-term savings goals. Examples are provided for necessities, discretionary expenses, and long-term goals. The benefits of starting investments early and making regular contributions are shown. Finally, it outlines financial planning steps for different life stages and emphasizes finding the right financial advisor.
Retirement Planning PPT
1. The document discusses planning and saving for retirement, including estimating costs of one's desired lifestyle and identifying sources of retirement income such as pensions, 401ks, IRAs, Social Security, and other savings vehicles.
2. It explains compound interest and its power to grow savings over time, demonstrating concepts like the Rule of 72.
3. The importance of starting to save and plan for retirement early is emphasized.
Retirement Planning
Laura Scharr-Bykowsky presented on retirement planning and improving financial health. She discussed typical symptoms of being unprepared for retirement like inadequate savings and no clear retirement vision. She emphasized the importance of doing a retirement calculation and "gap analysis" to determine savings goals. Early savers have a significant advantage over late savers due to compound interest. Her recommendations included developing a retirement vision, estimating expenses, analyzing savings gaps, maximizing retirement accounts and Social Security benefits, and reconsidering retirement dates or expenses if savings fall short of goals.
Retirement planning
The document discusses the importance of retirement planning. It notes that people often prioritize spending over saving for retirement. Retirement planning is crucial because lifestyle expenses will increase significantly with inflation over decades. Medical costs alone could increase over 10 times with inflation factored in. The document uses an example to show that for monthly expenses of 1 lakh currently, the required retirement corpus to maintain that lifestyle would be over 30 crores accounting for inflation over 30 years until retirement at age 65. Proper retirement planning through disciplined long-term investing is necessary to achieve adequate savings for retirement.
8 Key Risks of Retirement Planning
The document discusses risks in retirement planning. It defines risk as the potential for injury or loss. Traditional planning focuses on asset allocation during accumulation, but the goal is to transition savings into lifelong income during retirement. The key risks in retirement include market risk, longevity risk, inflation risk, health expenses, and lack of guaranteed income streams. The document advocates building a "retirement income survival kit" to address these risks.
InvestmentYogi Retirement planning for different ages
Retirement Planning has been gaining a lot of importance of late in India. Importance is more in financial magazines than among those who need it the most. As part of a financial plan, retirement planning in India could be significantly important in the coming 2-3 decades. Till a decade ago, retirement meant receiving pensions, purchasing a house to live in and going on vacations randomly. Retirement was a peaceful phase and no such planning was needed for it. Investments produced high returns with decent safety.
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Retirement Planning Process
1) The document outlines the steps for retirement planning which include identifying goals and expenses, inventorying assets and income sources, analyzing the likelihood of reaching goals, creating an action plan, and monitoring the plan.
2) It emphasizes prioritizing retirement objectives from most to least important and quantifying essential versus non-essential expenses.
3) Key retirement income sources like Social Security, pensions, and investments are discussed along with ensuring reliable income will cover minimum expenses and filling any gaps.
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Retirement Planning PPT
1. The document discusses planning and saving for retirement, including estimating costs of one's desired lifestyle and identifying sources of retirement income such as pensions, 401ks, IRAs, Social Security, and other savings vehicles.
2. It explains compound interest and its power to grow savings over time, demonstrating concepts like the Rule of 72.
3. The importance of starting to save and plan for retirement early is emphasized.
Retirement Planning
Laura Scharr-Bykowsky presented on retirement planning and improving financial health. She discussed typical symptoms of being unprepared for retirement like inadequate savings and no clear retirement vision. She emphasized the importance of doing a retirement calculation and "gap analysis" to determine savings goals. Early savers have a significant advantage over late savers due to compound interest. Her recommendations included developing a retirement vision, estimating expenses, analyzing savings gaps, maximizing retirement accounts and Social Security benefits, and reconsidering retirement dates or expenses if savings fall short of goals.
Retirement planning
The document discusses the importance of retirement planning. It notes that people often prioritize spending over saving for retirement. Retirement planning is crucial because lifestyle expenses will increase significantly with inflation over decades. Medical costs alone could increase over 10 times with inflation factored in. The document uses an example to show that for monthly expenses of 1 lakh currently, the required retirement corpus to maintain that lifestyle would be over 30 crores accounting for inflation over 30 years until retirement at age 65. Proper retirement planning through disciplined long-term investing is necessary to achieve adequate savings for retirement.
8 Key Risks of Retirement Planning
The document discusses risks in retirement planning. It defines risk as the potential for injury or loss. Traditional planning focuses on asset allocation during accumulation, but the goal is to transition savings into lifelong income during retirement. The key risks in retirement include market risk, longevity risk, inflation risk, health expenses, and lack of guaranteed income streams. The document advocates building a "retirement income survival kit" to address these risks.
InvestmentYogi Retirement planning for different ages
Retirement Planning has been gaining a lot of importance of late in India. Importance is more in financial magazines than among those who need it the most. As part of a financial plan, retirement planning in India could be significantly important in the coming 2-3 decades. Till a decade ago, retirement meant receiving pensions, purchasing a house to live in and going on vacations randomly. Retirement was a peaceful phase and no such planning was needed for it. Investments produced high returns with decent safety.
Financial Literacy
The document discusses the poor financial literacy and lack of retirement savings among Filipinos. It notes that only 10% of Filipinos consciously save for retirement, while 80% of middle-class Filipinos expect to rely on their children for support in old age. Most lack formal financial plans and have difficulty sticking to budgets or paying off credit card debt. This leads to overdependence on family for healthcare costs and a lack of independence in retirement. While some Filipinos recognize the importance of saving, many lack the discipline and resources to implement financial goals. Improving financial education is seen as key to addressing these issues.
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This document provides information on different life stages and financial needs associated with each stage. It includes the following:
- Descriptions of what to expect financially for different life stages such as being a student, single parent, married couple, or retired.
- Common questions a financial advisor might ask customers to help them understand their needs for each life stage.
- Information on "detours" people may face like debt, divorce, or retrenchment and how a financial advisor can help during difficult financial times.
- A map showing different life stages and details on financial products available for each stage from Old Mutual aimed at helping customers secure their financial future.
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The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the traditional three-legged stool model of pensions, Social Security, and personal savings being replaced by personal responsibility. Examples show how investment returns and starting early can significantly impact savings outcomes over time. The importance of protecting against losses through diversification is also covered. The document is produced by World Financial Group to help clients, potential clients, and associates understand fundamental financial principles.
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This document discusses the importance of financial planning and outlines Old Mutual Personal Financial Advice's planning process. It explains that a financial plan helps navigate life's changes and detours. The planning process involves understanding a person's goals and situation, analyzing their needs, recommending solutions, implementing a plan, and reviewing it over time as circumstances evolve. Old Mutual provides holistic financial advice and comprehensive personalized plans to help clients achieve their objectives.
Systematic investment plan (plan for the future)
1) The document discusses the importance of starting to invest and plan for the future early. It notes that expenses do not decrease after retirement but may increase with medical costs and inflation.
2) An example is provided comparing two doctors who invested the same monthly amount but one started 30 years earlier than the other. The corpus of the early starter was over 10 times more than the late starter despite investing the same total amount.
3) Key points emphasized are starting early, investing regularly over the long term, and having investment goals to save for important life plans like retirement, children's education, housing, and more.
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I put together this "Investing 101" presentation for my team of marketing/media/advertising professionals to encourage 401k participation and explain the importance of savings, retirement and financial health.
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Delaying retirement by a few years could significantly improve one's retirement lifestyle by providing more time to save and earn returns on investments, as well as increasing Social Security benefits. The document provides examples showing how retirement income and portfolio values increase by waiting until ages 64, 67, or 70 to retire rather than at 62. It also discusses factors like taxes, investment types and accounts, risk tolerance, and creating a long-term retirement strategy.
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Invest your money to achieve all your financial goals by following the simple route of systematic investment plan. Go through the ppt to see how it can help attaining the goals step by step without any hassles.
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This document provides an overview of retirement planning and considerations. It discusses starting retirement planning early, estimating expenses and income, identifying savings goals, using tax-advantaged accounts like 401ks and IRAs, factors like inflation, diversifying investments, and protecting against risks with insurance. The key aspects are starting retirement planning as soon as possible, crunching numbers to calculate savings needs, and implementing a long-term strategy using various savings vehicles and accounts.
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This document discusses protecting yourself as your most valuable asset through insurance with GREENLIGHT. It notes that while people work hard to provide for their families, they often don't consider what would happen if they were unable to work. GREENLIGHT insurance offers various plans to protect individuals' and businesses' incomes and livelihoods against risks such as death, disability, critical illness, and temporary or permanent inability to work. It highlights benefits like cash payments for needs, monthly income payments, savings options, and business protection.
Considerations When Investing
Success in investing leads to increased wealth and security. Success in investing comes from making sound decisions, paying attention, and taking the time to learn about what t invest in and how to invest. Here are our thoughts about considerations when investing.
https://youtu.be/kZcssfIoQEg
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This document discusses the importance of financial planning and outlines key factors to consider. It recommends planning for tax, retirement, children's education, investment, health insurance, life insurance, and goals. It emphasizes starting investments early to benefit from compounding returns over many years. Later examples show that even with lower returns, starting investments earlier leads to higher overall gains compared to starting later with higher returns. The document stresses having adequate life and health insurance coverage and notes taxes can be saved under Section 80D of India's tax code. It concludes by highlighting the importance of financial planning and guidance from a professional financial planner.
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האם מעצבים צריכים לדעת תכנות
הרצאה שלי מאירוע חווית משתמש על בירה על הקשר בין עיצוב, תכנות, וחווית משתמש.
במצגת זו אעבור על הסיבה האמיתית שאנו- מעצבי המדיה האינטראקטיבית חייבים לדעת לפחות מעט של קוד.
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Janice M. Payoyo outlines her approach to holistic financial planning, which considers clients' life goals and dreams in addition to accumulating wealth. Her presentation covers building an estate through investments that create guaranteed funds, analyzing business cash flow, and ensuring liquidity. She advocates for "forced savings" of 170 pesos daily to accumulate 1 million pesos in 12 years for insurance and investment purposes. The summary emphasizes planning for clients' whole lives and multiple generations rather than just selling financial products.
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This document provides information on different life stages and financial needs associated with each stage. It includes the following:
- Descriptions of what to expect financially for different life stages such as being a student, single parent, married couple, or retired.
- Common questions a financial advisor might ask customers to help them understand their needs for each life stage.
- Information on "detours" people may face like debt, divorce, or retrenchment and how a financial advisor can help during difficult financial times.
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1) The document discusses the importance of starting to invest and plan for the future early. It notes that expenses do not decrease after retirement but may increase with medical costs and inflation.
2) An example is provided comparing two doctors who invested the same monthly amount but one started 30 years earlier than the other. The corpus of the early starter was over 10 times more than the late starter despite investing the same total amount.
3) Key points emphasized are starting early, investing regularly over the long term, and having investment goals to save for important life plans like retirement, children's education, housing, and more.
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I put together this "Investing 101" presentation for my team of marketing/media/advertising professionals to encourage 401k participation and explain the importance of savings, retirement and financial health.
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Delaying retirement by a few years could significantly improve one's retirement lifestyle by providing more time to save and earn returns on investments, as well as increasing Social Security benefits. The document provides examples showing how retirement income and portfolio values increase by waiting until ages 64, 67, or 70 to retire rather than at 62. It also discusses factors like taxes, investment types and accounts, risk tolerance, and creating a long-term retirement strategy.
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Invest your money to achieve all your financial goals by following the simple route of systematic investment plan. Go through the ppt to see how it can help attaining the goals step by step without any hassles.
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Retirement Basics
This document provides an overview of retirement planning and considerations. It discusses starting retirement planning early, estimating expenses and income, identifying savings goals, using tax-advantaged accounts like 401ks and IRAs, factors like inflation, diversifying investments, and protecting against risks with insurance. The key aspects are starting retirement planning as soon as possible, crunching numbers to calculate savings needs, and implementing a long-term strategy using various savings vehicles and accounts.
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Considerations When Investing
Success in investing leads to increased wealth and security. Success in investing comes from making sound decisions, paying attention, and taking the time to learn about what t invest in and how to invest. Here are our thoughts about considerations when investing.
https://youtu.be/kZcssfIoQEg
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The Fear of Running out of Money
The document discusses challenges retirees face with managing their finances, including market volatility, longevity risks, healthcare costs, and inflation. It notes that average healthcare costs for a retiree are around $230,000 and that historically low-risk investments have not kept pace with inflation. The document advocates creating a customized portfolio that includes sources of steady income to outpace inflation and maintain one's standard of living in retirement. It also notes looming issues with Social Security and Medicare funding shortfalls that may require benefit adjustments.
Financial_Planning_for_Young_Investors.ppt
This document provides an overview of financial planning for executives. It discusses the need for financial education due to complex financial products and deteriorating personal finances. The document outlines an agenda for financial planning topics including goals, risk vs return, compounding, inflation, savings vs investments, and various financial products. It defines financial planning as a process to help investors reach their desired financial position. Key aspects of the planning process include identifying goals, income/expenses, gaps, and preparing a plan to bridge gaps.
Financial planning 101
Financial planning is a long-term process of managing one's finances to achieve goals. It provides a roadmap to financial well-being and sustainable wealth creation. Many misconceptions exist, such as that it only involves budgeting or is only for the wealthy. Financial planning is needed due to risks like living too long in retirement, changing lifestyles, inflation, and lack of social security. It involves understanding assets, liabilities, priorities, timelines, and appropriate investment vehicles. Starting financial planning early allows greater benefits of compounding returns. Using systematic investment plans smooths out market volatility for better long-term returns. Financial planners can help develop and implement customized plans.
July issue2021 (1)
I am glad that our small quarterly magazine "Life-A Promise" has published on time. The extraordinary achievements of the children always motivated me. I am proud to be able to highlight the achievements of some of the children of Shillong in this issue.. Everbloom K. Nongrum, Miss Bipasha Dhar, Master Arman Sharma, Master Saruya Kanuar, Miss Debashmita Chakraborty these five little children has done extraordinary jobs in their respective field. This issue is the witness of their achievements. Our Best Wishes to these little kids. Gopinath Sir's wonderful article is like a gift to us. We must read again and again "Why Discipline savings is always ahead than financial intelligence". With your good wishes and love, I will go ahead with something new again. Thank you
July issue2021
I am glad that our small quarterly magazine "Life-A Promise" has published on time. The extraordinary achievements of the children always motivated me. I am proud to be able to highlight the achievements of some of the children of Shillong in this issue.. Everbloom K. Nongrum, Miss Bipasha Dhar, Master Arman Sharma, Master Saruya Kanuar, Miss Debashmita Chakraborty these five little children has done extraordinary jobs in their respective field. This issue is the witness of their achievements. Our Best Wishes to these little kids. Gopinath Sir's wonderful article is like a gift to us. We must read again and again "Why Discipline savings is always ahead than financial intelligence". With your good wishes and love, I will go ahead with something new again. Thank you all.
July issue2021
am glad that our small quarterly magazine "Life-A Promise" has published on time. The extraordinary achievements of the children always motivated me. I am proud to be able to highlight the achievements of some of the children of Shillong in this issue.. Everbloom K. Nongrum, Miss Bipasha Dhar, Master Arman Sharma, Master Saruya Kanuar, Miss Debashmita Chakraborty these five little children has done extraordinary jobs in their respective field. This issue is the witness of their achievements. Our Best Wishes to these little kids. Gopinath Sir's wonderful article is like a gift to us. We must read again and again "Why Discipline savings is always ahead than financial intelligence". With your good wishes and love, I will go ahead with something new again. Thank you.
Sweplus Brainshark Sales With Script
The document summarizes a retirement product that provides guaranteed lifetime income. It highlights key risks retirees face like market, longevity, and inflation risks. The product offers guaranteed annual income for life, a 5% bonus for deferring withdrawals for 15 years, and automatic resets to lock in investment gains. It is designed to balance income security and investment growth potential.
Financial planning..........
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
Financial Planning - Helping You Sail Successfully into the Future
This document summarizes the key aspects of developing a comprehensive financial plan. It discusses that a financial plan should address goals, assets, debts, taxes, investments, insurance, estate planning and more. It outlines the multi-step process of developing a plan, including initial interviews, data gathering, analysis, draft reviews and implementation. It emphasizes that a good financial plan takes over 20 hours to fully prepare. The document also provides background on the author, Frank Wiginton, a certified financial planner who believes comprehensive planning is needed to make appropriate financial recommendations and decisions.
Navigating Your Financial Future
The document provides an overview of key retirement planning considerations including longevity and health, spending and inflation, investment returns, and health costs. It notes that Canadians are living longer, retiring earlier, and may need to fund 20 years of retirement from 40 years of work. Key pieces of advice include diversifying investments, planning for higher costs due to inflation, and considering health and long-term care needs as these unknowns can significantly impact retirement. Developing a customized retirement plan is recommended to help navigate future uncertainties.
Why is our business like an oreo cookie Jeff Manz
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.
Financial Planning
Financial planning is the process of managing finances to meet life goals like buying a home or saving for retirement. It involves insurance, investment, tax, retirement, and estate planning. Financial planning is important due to factors like inflation, rising life expectancy, and uncertainty. Insurance planning helps minimize risks to assets and income from early death, disability, or other factors. Investment planning involves evaluating risk tolerance, allocating assets appropriately among short, medium, and long-term holdings, and accumulating wealth through systematic investing and regular portfolio reviews.
Life mgt workshop (investment)
1. The document discusses various investment principles and strategies for making good investment decisions with practical examples. It defines different types of investments like stocks, bonds, mutual funds, and real estate.
2. Key principles for investors include starting early, diversifying investments, taking advantage of employer retirement plans and tax benefits, and using low-risk long-term strategies. Discipline, patience, and understanding risk/return are important characteristics for successful investors.
3. The document provides examples of calculating investment values like net present value, share price valuation, and treasury bill face value to illustrate making good investment decisions.
HBW Presentation 2010
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
How to Prosper and Thrive in Retirement (1)
This document provides information on how to prosper and thrive in retirement by addressing four important financial issues: generating sufficient retirement income, maintaining affordable health coverage, maintaining independence at advanced ages, and best leaving assets to heirs. It discusses strategies such as investing in longer-term bonds or municipal bonds to generate higher retirement income, using annuities to supplement spending and ensure payments last as long as the individual, understanding Medicare options and the importance of supplemental coverage, considering long-term care insurance, and proper estate planning to avoid taxes and ensure intended heirs receive assets.
Financial Management abd YOU
This presentation is to communicate ideas and information that will help you build financial security. We define financial security as a feeling of confidence that you will achieve your financial goals through the actions you are taking today.
CUSTOMER MEET OF 2014
This document discusses various financial planning needs at different life stages and strategies to achieve financial goals. It highlights the importance of financial planning for education needs of children, marriage expenses, retirement, healthcare, and protection against risks. It provides examples of different insurance products like child plans, marriage plans, pension plans, and health plans that can help achieve financial goals in a disciplined manner. It cautions about the risks of inflation, market volatility, and not starting financial planning early. The document emphasizes the need for a holistic financial plan tailored to individual needs and goals.
2010 ffs bop
The document discusses a company called FFS that provides financial services and products to help families achieve their financial goals. It promotes FFS's business building system as a proven way for leaders to build a successful business. FFS aims to improve families' saving habits through the latest financial concepts and products. The document then outlines several problems facing Americans today such as debt, lack of savings, and retirement issues. It suggests that through FFS's services, families can gain financial security and independence.
Similar to Basic finance and retirement details : Dilshad Billimoria Certified Financial Planner (20)
Financial Planning - Helping You Sail Successfully into the Future
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一比一原版(UCSB毕业证)圣芭芭拉分校毕业证如何办理
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Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Independent Study - College of Wooster Research (2023-2024)
"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.
一比一原版(UoB毕业证)伯明翰大学毕业证如何办理
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如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】
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我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
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你赢我赢，共创双赢
你做代理，可以帮助伯明翰大学同学朋友
你做代理，可以拯救伯明翰大学失足青年
你做代理，可以挽救伯明翰大学一个个人才
你做代理，你将是别人人生伯明翰大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会大块就啃啃得满嘴满脸猴屁股般的红艳大家一个劲地指着对方吃吃地笑瓜裂得古怪奇形怪状却丝毫不影响瓜味甜丝丝的满嘴生津遍地都是瓜横七竖八的活像掷满了一地的大石块摘走二三只爷爷是断然发现不了的即便发现爷爷也不恼反而教山娃辨认孰熟孰嫩孰甜孰淡名义上是护瓜往往在瓜棚里坐上一刻饱吃一顿后山娃就领着阿黑漫山遍野地跑阿黑是一条黑色的大猎狗挺机灵的是山娃多年的忠实伙伴平时山娃上学阿黑也摇头晃脑地跟去暑假用不着上学阿钩
This assessment plan proposal is to outline a structured approach to evaluati...
This assessment plan proposal is to outline a structured approach to evaluati...lamluanvan.net Viết thuê luận văn
Luận Văn Group hỗ trợ viết luận văn thạc sĩ,chuyên đề,khóa luận tốt nghiệp, báo cáo thực tập, Assignment, Essay
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Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
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"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.falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
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Lecture slide on Sources of Revenue for State GovernmentWhat's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Recently uploaded (20)
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What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Basic finance and retirement details : Dilshad Billimoria Certified Financial Planner
- 2. YOU NEED TO KNOW THESE FACTS… • What ‘inflation’ could do to you.. • Why it pays to start saving early in life … • Fight with moving Age / Time • The difference between ‘income’ and ‘real income’... • How to prioritize your investments … • Why ‘equities’ are best in the long run … • Effect of Compounding….. Dilshad Billimoria -Certified Financial Planner
- 3. INFLATION ROBS YOUR PURCHASING POWER (assuming inflation @5% p.a.) 74,000 Rs. 10,000 today 44,000 26,500 16,300 10 years 20 years 30 years 40 years Dilshad Billimoria -Certified Financial Planner
- 4. WHERE DO YOU INVEST YOUR MONEY TODAY? Dilshad Billimoria -Certified Financial Planner
- 5. EFFECT OF COMPOUNDING Rs. 808 (Re.1 Invested for 30 years) You have a choice! Rs. 237 Rs. 66 Rs. 17 Rs. 4 5% 10% 15% 20% Dilshad Billimoria -Certified Financial Planner 25%
- 6. WHY IS REAL INCOME SO IMPORTANT If an investment is giving you 10% return… 6.36% 5% Inflation 33% Tax Real Income Focusing on Real Income is important for wealth creation Dilshad Billimoria -Certified Financial Planner
- 7. INVESTMENT PERFORMANCE IN VARIOUS ASSET CLASSES Investment Performance 15.96% 16 14 12 10 8 6 4 2 0 12.96% 9.58% 8.57% 6.30% Gold Equity Gilt Bonds Investment Performance FDs Data from SBI/RBI and BSE Sensex : 2000-2012 Dilshad Billimoria -Certified Financial Planner
- 8. WHAT IS RETIREMENT? Dilshad Billimoria -Certified Financial Planner
- 9. WHAT IS RETIREMENT? • When a person chooses to leave the workforce. The concept of full retirement – being able to permanently leave the workforce in old age – is relatively new, and for the most part only culturally-widespread in firstworld countries. Many developed countries have some type of national pension or benefits system (i.e. the United States' Social Security system) to help supplement retirees' incomes.Investopedia explains 'Retirement‘ • Dramatic advances in healthcare have extended the lives of people in, predominantly, first-world and developed countries. That means that without adequate personal savings and/or pensions, people could easily outlive their retirement funds. In times of economic downturn retirees may choose to "come out of retirement" and re-enter the workforce on a seasonal, part-time or full-time basis to earn income and obtain benefits, especially costly health insurance coverage. Dilshad Billimoria -Certified Financial Planner
- 10. FIND OUT YOUR RETIREMENT CORPUS NEEDED Retirement Calculation Dilshad Billimoria -Certified Financial Planner
- 11. WHAT ARE THE FACTORS TO CONSIDER WHILE CHOOSING INVESTMENT OPTIONS: BE AN INFORMED INVESTOR • • • • • • • • • Rate of interest. Rate of inflation Any Charges in the product Any guarantees and if so in writing What is the real return What is your life expectancy. Are your savings enough. How will my portfolio look in 10 years, 20 years.. How to handle the income distribution phase in Retirement. YOU NEED A TRUSTED CERTIFIED FINANCIAL PLANNER Dilshad Billimoria -Certified Financial Planner
- 12. Thank you for your time! Dilshad Billimoria CERTIFIED FINANCIAL PLANNER AND INVESTMENT ADVISOR. Website: www.dilzer.net Email: dilzerconsultants@gmail.com Phone: 91.80. 41512337 / 91.80. 41136147 Linkedin: in.linkedin.com/in/dilshadbillimoria Dilshad Billimoria -Certified Financial Planner