Becoming financially fit
•Download as PPT, PDF•
1 like•157 views
The document provides tips for becoming financially fit, including creating a budget to track income and expenses, avoiding debt by paying with cash instead of credit cards, buying cars and homes that can be reasonably afforded, and saving and investing money regularly for both short-term and long-term goals like retirement. The overall message is that financial responsibility comes from spending less than you earn and planning ahead to pay with cash instead of taking on loans and interest.
Report
Share
Report
Share
Recommended
Having the Talk: Kids, Parents and Money
This document discusses teens' lack of financial literacy and key findings from surveys about how teens understand and spend money. Some of the key points made are: nearly two-thirds of high school students are financially illiterate; teens spend most of their money on "social spending" and saving has become a lost art; while many teens have credit cards, few understand statements and fees. The document provides tips for raising money-savvy kids, such as explaining costs, setting aside portions of income for giving, saving, and investing, and discussing credit vs debit.
John Lanza - Teach Kids About Money for CA Jump$tart
It is imperative that we teach preschool and elementary kids about the value of money. They can and must learn good habits early so that they become financially literate teens and adults.
Teach kids about money management
This presentation talks about how to involve with your kids about handling money & encourage them towards more savings. It talks about the activities involving financial planning to try with kids.
Managing Personal Finances 2021
This document provides information about managing personal finances. It discusses the importance of managing finances to know where money goes and avoid undesirable debt. It outlines four modules on managing finances, getting into debt, staying out of debt, and applying financial techniques. It discusses will and skill in managing finances, with those high in both being free from debt. It defines undesirable debt and provides reasons why people get into debt, as well as tips to stay out of debt like having an emergency fund and living within one's means. The document provides a spending log template and tips for managing spending habits.
7 Baby Steps to Financial Freedom - Dave Ramsey
The 7 Baby Steps is a guideline to help you get to financial peace.
These, taken in chronological order helps you prepare for the unexpected or things you know about but choose to ignore.
1) $1k emergency funds
2) Debt Snowball
3) 3-6 months of living expenses
4) 15% to IRA
5) College Savings
6) Pay off house early
7) Build wealth and give
Money questions
The document provides instructions for students to complete a Google Classroom assignment within 7 minutes answering questions from a post titled "Cheapskates". It then lists 3 common money questions related to savings account interest rates and inflation, stock returns, that only 20% of teenagers can answer correctly. Students are asked if they can answer the 3 questions.
Teaching Your Teens Money Management
This document provides guidance on teaching children about money management from a young age. It recommends starting simple lessons early and making them more complex as children mature. Everyday opportunities to discuss money include examining attitudes, involving children in financial planning, distinguishing needs from wants, and talking about credit. The document also outlines specific strategies for different age groups, such as using a four-bank system for savings, spending, donating and investing starting at age 5-6, and introducing the concepts of credit reports, scores, and responsible credit card use in the teen years.
Building credit and destroying debt
This document provides tips for rebuilding credit and getting out of debt. It recommends securing a credit card to establish credit history, monitoring your credit score regularly, building a relationship with your bank, choosing between the debt snowball and avalanche payment methods, earning extra income through additional work or starting a business, and living frugally through savings and discounts. The overall message is that anyone can take control of their finances, restore their credit, and work towards financial freedom through diligent money management habits.
Recommended
Having the Talk: Kids, Parents and Money
This document discusses teens' lack of financial literacy and key findings from surveys about how teens understand and spend money. Some of the key points made are: nearly two-thirds of high school students are financially illiterate; teens spend most of their money on "social spending" and saving has become a lost art; while many teens have credit cards, few understand statements and fees. The document provides tips for raising money-savvy kids, such as explaining costs, setting aside portions of income for giving, saving, and investing, and discussing credit vs debit.
John Lanza - Teach Kids About Money for CA Jump$tart
It is imperative that we teach preschool and elementary kids about the value of money. They can and must learn good habits early so that they become financially literate teens and adults.
Teach kids about money management
This presentation talks about how to involve with your kids about handling money & encourage them towards more savings. It talks about the activities involving financial planning to try with kids.
Managing Personal Finances 2021
This document provides information about managing personal finances. It discusses the importance of managing finances to know where money goes and avoid undesirable debt. It outlines four modules on managing finances, getting into debt, staying out of debt, and applying financial techniques. It discusses will and skill in managing finances, with those high in both being free from debt. It defines undesirable debt and provides reasons why people get into debt, as well as tips to stay out of debt like having an emergency fund and living within one's means. The document provides a spending log template and tips for managing spending habits.
7 Baby Steps to Financial Freedom - Dave Ramsey
The 7 Baby Steps is a guideline to help you get to financial peace.
These, taken in chronological order helps you prepare for the unexpected or things you know about but choose to ignore.
1) $1k emergency funds
2) Debt Snowball
3) 3-6 months of living expenses
4) 15% to IRA
5) College Savings
6) Pay off house early
7) Build wealth and give
Money questions
The document provides instructions for students to complete a Google Classroom assignment within 7 minutes answering questions from a post titled "Cheapskates". It then lists 3 common money questions related to savings account interest rates and inflation, stock returns, that only 20% of teenagers can answer correctly. Students are asked if they can answer the 3 questions.
Teaching Your Teens Money Management
This document provides guidance on teaching children about money management from a young age. It recommends starting simple lessons early and making them more complex as children mature. Everyday opportunities to discuss money include examining attitudes, involving children in financial planning, distinguishing needs from wants, and talking about credit. The document also outlines specific strategies for different age groups, such as using a four-bank system for savings, spending, donating and investing starting at age 5-6, and introducing the concepts of credit reports, scores, and responsible credit card use in the teen years.
Building credit and destroying debt
This document provides tips for rebuilding credit and getting out of debt. It recommends securing a credit card to establish credit history, monitoring your credit score regularly, building a relationship with your bank, choosing between the debt snowball and avalanche payment methods, earning extra income through additional work or starting a business, and living frugally through savings and discounts. The overall message is that anyone can take control of their finances, restore their credit, and work towards financial freedom through diligent money management habits.
140 peliculas que debes twittear antes de morir
El documento habla sobre la fascinación del autor por el cine desde niño y cómo ha cambiado la forma de consumir películas con el tiempo. También explica que junto a otros decidió resumir películas clásicas en 140 caracteres para compartir su amor por el séptimo arte a través de las redes sociales.
2014 10 INVENIO-Google Calendar-Pres
Getting started with Google Calendar? Brief overview and quick access to useful content for getting up to speed quickly!
Don Tomoff Linkedin_profile
Don Tomoff is the Director of Invenio Advisors, LLC, providing over 30 years of accounting, finance, and consulting experience to organizations. He offers financial process improvement, reporting development, and special projects assistance. His services also include technology tools training and financial modeling. Previously, he held senior financial roles such as CFO, VP of Finance, and accounting manager for various companies.
2013 06 ima_mobility&digital_disruption_slideshare
Presented at the Institute of Management Accountants (IMA) National Conference in New Orleans, LA on 6/22/13. Includes mobile best practice tips, recommended apps, web browsing, photo management, and more.
Invenio iPad Content Management Goodreader Training
In an increasingly mobile environment, flexibility and agility are increased by having access to your content whenever you want, wherever you are. Combining GoodReader and various “cloud” services (Dropbox, Box, Google Drive) makes this simple to do.
SWFG-SmallBusinessForum-Digital-Disruption
Presentation given to business executives re quick introduction to digital disruption and mobile. Disruption is happening all around us - just have to look up and pay attention to see it.
2016 05 Snapchat for the Business Professional
This document provides an overview of Snapchat and its growing popularity and business uses. It discusses how Snapchat has expanded beyond teens to become a major social media platform, with over 10 billion video views per day. Several articles and case studies are referenced that discuss how businesses can use Snapchat for relationship building, event marketing, and direct communications with clients in a more personal way compared to other social media platforms. The document promotes exploring Snapchat's potential for business use.
2014 03 Google Docs-Custom-Newsreader
Create your own mobile news reader using Google Docs and Publish to the Web capabilities. Streamline your resources and let your news come to you!
So You Know Excel Pivot Tables?
A pivot table training exercise. If you know pivot tables - test your knowledge. If you are new to pivot tables, this will help you understand and use them.Completing this exercise will make you knowledgeable. Good Luck!
Becoming financially fit
The document provides tips for becoming financially fit, including creating a budget to track income and expenses, avoiding debt by paying with cash instead of credit cards, buying cars and homes that can be reasonably afforded, and saving and investing money regularly for both short-term and long-term goals like retirement. The overall message is that financial responsibility comes from spending less than you earn and planning ahead to pay with cash instead of taking on loans and interest.
2016 0921 IMA MO-Stand-Out (Handout)
A presentation at the #IMA Heartland Regional Council Educational Session on September 21, 2016 (This was the 1st of 2 presentations)
Get out of Debt
While your mountain of debt may be daunting, it's possible to get to the top and clear your financial name! www.lifethenfinance.com
3. Getting Out of Debt Credit Cards Bank Loans Mortgage www.lifethenfinance.com
4. Step 1: Organize Your Debts Smallest to Largest • Pay only minimum payments and any left over money is directed to the smallest debt until it is paid off. www.lifethenfinance.com
5. Step 2: Eliminate Small Balances First • If you have a card with a low balance, pay it off first. • Then reroute the money for that card’s payment to pay off cards with higher balances or a higher interest rate. www.lifethenfinance.com
Debt Reduction
1) The document provides information on reducing debt through financial education. It discusses top things Americans should know about debt, such as getting a handle on spending and paying off high-interest debts first.
2) Attendees are instructed to assess where they stand by making an inventory of current debts, amounts owed, interest rates and estimated annual interest payments.
3) The "Total Money Makeover" method is outlined, starting with saving $1,000 then using the "debt snowball" approach to pay off debts from smallest to largest while making only minimum payments on other debts.
Credit PowerPoint
Credit involves borrowing and lending money, with interest charged for the cost of borrowing. A credit score is calculated based on factors like payment history, amounts owed, length of credit history, and number of accounts, and shows how risky a borrower is. Maintaining good credit involves paying bills on time, keeping balances low relative to credit limits, and allowing an established credit history. Managing needs versus wants carefully and avoiding overspending can help keep debts under control and credit in good standing.
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...Danny Singh, M.B.A., MSEd
Danny Singh is the teen who refinanced his mom's house and car at 14 and has never been late on any type of bill for the past 8 years. He now hopes to raise the awareness of the student loans crisis and teach consumers the most effective methods to repay their debts in months instead of years while having enough money for everyday expenses and retirement. For this reason, he is doing financial seminars and has published a book titled "Finance 101: The Whiz Kid's Perfect Credit Guide." All profits are donated to the Children's National Medical Center for HIV treatment research. Danny has been recognized by Governor Rick Perry, First Lady Anita Perry, Seminole County Commissioner Bob Dallari, Florida State Representative Jason Brodeur, and Senator Marco Rubio. Please contact him using www.facebook.com/studentsfinance. Thank you.Credit presentation
Credit refers to buying something now and paying for it later. There are several types of credit available to students including student loans, lines of credit, and credit cards. It is important to understand credit terms like annual percentage rate, minimum payment, and interest rates when using credit. Maintaining good credit involves paying bills on time, keeping credit utilization low, and establishing a history of responsible credit use over time.
Dave Ramsey 7 Baby Steps
Dave Ramsey outlines a 7 step plan called the "Baby Steps" to get out of debt and build wealth. The steps include: 1) Save $1,000 emergency fund; 2) Pay off all debt using the "debt snowball" method; 3) Save 3-6 months of living expenses; 4) Save 15% of income for retirement; 5) Save for children's college; 6) Pay off mortgage early; 7) Build wealth and give to others. The plan emphasizes eliminating debt first before investing, using motivational debt payoff methods, and provides guidance on savings goals for emergencies, retirement, college, and paying off a home.
Seven Baby Steps by Dave Ramsey
Trying to shovel your way out of a mountain of debt? Popular financial expert Dave Ramsey, the host of the nationally-syndicated radio program The Dave Ramsey Show, suggests that you follow these seven "baby steps" as you pay off debt and build wealth.
Five money management tips
The document provides five tips for money management: 1) Use a bank with low or no fees; 2) Create a budget to track spending and ensure you can afford expenses; 3) Research all the real costs of major expenses like owning a car or moving out; 4) Pay taxes as they fund important services, though one may not like it; and 5) Consider investing but do so cautiously, starting with low-risk options and only investing money you can afford to lose on higher-risk investments. The individual reflects on applying these tips, like realizing moving out and owning a car will likely cost more than expected and creating a budget to avoid overspending.
FINANCIAL WELLNESS CENTER-money management
This document provides information on money management for college students. It emphasizes that students should have the goal of financial security rather than just making money. It then discusses the importance of budgeting and saving, provides tips on using credit responsibly, and explains how to avoid taking on too much student loan debt. Students are encouraged to start developing good financial habits early as these will shape their spending and saving behaviors for life. Campus resources for financial coaching and education are highlighted.
More Related Content
Viewers also liked
140 peliculas que debes twittear antes de morir
El documento habla sobre la fascinación del autor por el cine desde niño y cómo ha cambiado la forma de consumir películas con el tiempo. También explica que junto a otros decidió resumir películas clásicas en 140 caracteres para compartir su amor por el séptimo arte a través de las redes sociales.
2014 10 INVENIO-Google Calendar-Pres
Getting started with Google Calendar? Brief overview and quick access to useful content for getting up to speed quickly!
Don Tomoff Linkedin_profile
Don Tomoff is the Director of Invenio Advisors, LLC, providing over 30 years of accounting, finance, and consulting experience to organizations. He offers financial process improvement, reporting development, and special projects assistance. His services also include technology tools training and financial modeling. Previously, he held senior financial roles such as CFO, VP of Finance, and accounting manager for various companies.
2013 06 ima_mobility&digital_disruption_slideshare
Presented at the Institute of Management Accountants (IMA) National Conference in New Orleans, LA on 6/22/13. Includes mobile best practice tips, recommended apps, web browsing, photo management, and more.
Invenio iPad Content Management Goodreader Training
In an increasingly mobile environment, flexibility and agility are increased by having access to your content whenever you want, wherever you are. Combining GoodReader and various “cloud” services (Dropbox, Box, Google Drive) makes this simple to do.
SWFG-SmallBusinessForum-Digital-Disruption
Presentation given to business executives re quick introduction to digital disruption and mobile. Disruption is happening all around us - just have to look up and pay attention to see it.
2016 05 Snapchat for the Business Professional
This document provides an overview of Snapchat and its growing popularity and business uses. It discusses how Snapchat has expanded beyond teens to become a major social media platform, with over 10 billion video views per day. Several articles and case studies are referenced that discuss how businesses can use Snapchat for relationship building, event marketing, and direct communications with clients in a more personal way compared to other social media platforms. The document promotes exploring Snapchat's potential for business use.
2014 03 Google Docs-Custom-Newsreader
Create your own mobile news reader using Google Docs and Publish to the Web capabilities. Streamline your resources and let your news come to you!
So You Know Excel Pivot Tables?
A pivot table training exercise. If you know pivot tables - test your knowledge. If you are new to pivot tables, this will help you understand and use them.Completing this exercise will make you knowledgeable. Good Luck!
Becoming financially fit
The document provides tips for becoming financially fit, including creating a budget to track income and expenses, avoiding debt by paying with cash instead of credit cards, buying cars and homes that can be reasonably afforded, and saving and investing money regularly for both short-term and long-term goals like retirement. The overall message is that financial responsibility comes from spending less than you earn and planning ahead to pay with cash instead of taking on loans and interest.
2016 0921 IMA MO-Stand-Out (Handout)
A presentation at the #IMA Heartland Regional Council Educational Session on September 21, 2016 (This was the 1st of 2 presentations)
Viewers also liked (13)
2013 06 ima_mobility&digital_disruption_slideshare
2013 06 ima_mobility&digital_disruption_slideshare
Invenio iPad Content Management Goodreader Training
Invenio iPad Content Management Goodreader Training
Similar to Becoming financially fit
Get out of Debt
While your mountain of debt may be daunting, it's possible to get to the top and clear your financial name! www.lifethenfinance.com
3. Getting Out of Debt Credit Cards Bank Loans Mortgage www.lifethenfinance.com
4. Step 1: Organize Your Debts Smallest to Largest • Pay only minimum payments and any left over money is directed to the smallest debt until it is paid off. www.lifethenfinance.com
5. Step 2: Eliminate Small Balances First • If you have a card with a low balance, pay it off first. • Then reroute the money for that card’s payment to pay off cards with higher balances or a higher interest rate. www.lifethenfinance.com
Debt Reduction
1) The document provides information on reducing debt through financial education. It discusses top things Americans should know about debt, such as getting a handle on spending and paying off high-interest debts first.
2) Attendees are instructed to assess where they stand by making an inventory of current debts, amounts owed, interest rates and estimated annual interest payments.
3) The "Total Money Makeover" method is outlined, starting with saving $1,000 then using the "debt snowball" approach to pay off debts from smallest to largest while making only minimum payments on other debts.
Credit PowerPoint
Credit involves borrowing and lending money, with interest charged for the cost of borrowing. A credit score is calculated based on factors like payment history, amounts owed, length of credit history, and number of accounts, and shows how risky a borrower is. Maintaining good credit involves paying bills on time, keeping balances low relative to credit limits, and allowing an established credit history. Managing needs versus wants carefully and avoiding overspending can help keep debts under control and credit in good standing.
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...Danny Singh, M.B.A., MSEd
Danny Singh is the teen who refinanced his mom's house and car at 14 and has never been late on any type of bill for the past 8 years. He now hopes to raise the awareness of the student loans crisis and teach consumers the most effective methods to repay their debts in months instead of years while having enough money for everyday expenses and retirement. For this reason, he is doing financial seminars and has published a book titled "Finance 101: The Whiz Kid's Perfect Credit Guide." All profits are donated to the Children's National Medical Center for HIV treatment research. Danny has been recognized by Governor Rick Perry, First Lady Anita Perry, Seminole County Commissioner Bob Dallari, Florida State Representative Jason Brodeur, and Senator Marco Rubio. Please contact him using www.facebook.com/studentsfinance. Thank you.Credit presentation
Credit refers to buying something now and paying for it later. There are several types of credit available to students including student loans, lines of credit, and credit cards. It is important to understand credit terms like annual percentage rate, minimum payment, and interest rates when using credit. Maintaining good credit involves paying bills on time, keeping credit utilization low, and establishing a history of responsible credit use over time.
Dave Ramsey 7 Baby Steps
Dave Ramsey outlines a 7 step plan called the "Baby Steps" to get out of debt and build wealth. The steps include: 1) Save $1,000 emergency fund; 2) Pay off all debt using the "debt snowball" method; 3) Save 3-6 months of living expenses; 4) Save 15% of income for retirement; 5) Save for children's college; 6) Pay off mortgage early; 7) Build wealth and give to others. The plan emphasizes eliminating debt first before investing, using motivational debt payoff methods, and provides guidance on savings goals for emergencies, retirement, college, and paying off a home.
Seven Baby Steps by Dave Ramsey
Trying to shovel your way out of a mountain of debt? Popular financial expert Dave Ramsey, the host of the nationally-syndicated radio program The Dave Ramsey Show, suggests that you follow these seven "baby steps" as you pay off debt and build wealth.
Five money management tips
The document provides five tips for money management: 1) Use a bank with low or no fees; 2) Create a budget to track spending and ensure you can afford expenses; 3) Research all the real costs of major expenses like owning a car or moving out; 4) Pay taxes as they fund important services, though one may not like it; and 5) Consider investing but do so cautiously, starting with low-risk options and only investing money you can afford to lose on higher-risk investments. The individual reflects on applying these tips, like realizing moving out and owning a car will likely cost more than expected and creating a budget to avoid overspending.
FINANCIAL WELLNESS CENTER-money management
This document provides information on money management for college students. It emphasizes that students should have the goal of financial security rather than just making money. It then discusses the importance of budgeting and saving, provides tips on using credit responsibly, and explains how to avoid taking on too much student loan debt. Students are encouraged to start developing good financial habits early as these will shape their spending and saving behaviors for life. Campus resources for financial coaching and education are highlighted.
fundamentals.pptx
This document provides information about personal finance fundamentals such as budgeting, credit cards, debit cards, and identity theft. It discusses the importance of budgeting and having a budget that aligns with your income. It describes different types of bank accounts and factors to consider like risk and return when investing. The document also distinguishes between credit cards and debit cards, outlining advantages and disadvantages of each. Finally, it provides tips for using credit wisely and protecting your identity.
Personal Finance
The document provides an overview of personal finance topics including what money is, how to earn and spend money, taxes, housing options, saving and investing, credit, and building a good credit history. Some key points:
- Money is a form of payment accepted in exchange for goods and services. Coins, paper bills, cheques, and credit cards are common forms of money.
- People earn money through allowances, employment, savings and investments which provide interest and capital gains. Income is categorized as gross, net, disposable or discretionary.
- Budgeting involves assessing finances, setting goals, creating a spending plan, monitoring spending, and revising the budget.
- Savings are used for large purchases
Money Matters Class 4, Credit
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Home buying 101
On January 24, members of Freestar Financial attended a Mortgage Mixer Event. The Vice President of Lending, Jennifer Martines and Realtor, Peter Toering presented the importance of having a good credit score and the documentation you will need in order to start a mortgage application.
Financial Literacy SEMN Presentation
This document provides five steps to becoming debt-free: 1) Learn your current financial situation by reviewing credit reports and understanding your credit score. 2) Create a realistic budget that allocates at least 10% of income to debt payments. 3) Talk to lenders about lowering interest rates or refinancing loans. 4) Look for ways to reduce discretionary spending through small lifestyle changes. 5) Prioritize paying off debts from most to least valuable assets, focusing on high-interest debts first. The overall goal is to eliminate debt payments and interest expenses to free up cash flow.
Understanding Your Personal Credit
This document provides an overview of personal credit and credit scores. It defines credit as borrowing money that must be repaid over time, with interest. The benefits of credit include purchasing power and establishing a credit history, while risks include debt, fees, and damage to one's credit if not repaid. The "four C's" that lenders evaluate are credit history, collateral, capacity to repay, and current conditions. It also discusses credit reports, credit scores, responsible credit management, and why maintaining good credit is important.
20 ways to slimmer hl fact sheet
1. The document provides 20 tips for saving money on home loan repayments, such as creating a realistic budget, paying bills in advance, getting educated on mortgage products, making fortnightly repayments, and bringing lunch from home instead of buying.
2. Implementing some of the tips, like switching to a lower interest credit card or making fortnightly repayments, can significantly reduce interest costs and the loan term.
3. Following all of the tips could potentially save over $100,000 in interest and take 10 years off a $250,000, 30-year loan. The document encourages contacting Loan Wize for assistance in reaching home loan repayment goals.
test
This document provides information about credit, including what credit is, the history and types of credit, advantages and disadvantages of using credit, and the costs associated with misusing credit. It discusses credit cards, installment loans, revolving credit, and other types of credit. It also summarizes how to establish good credit, maintain a good credit rating, and the financial consequences of debt. The document aims to educate readers on credit and help them make informed financial decisions.
Budget is not a 4 letter word
The document provides tips and strategies for creating a successful spending plan or budget. It begins by explaining that a budget is a helpful tool to track finances and find ways to save money. It then outlines six steps to create a budget: 1) identify income, 2) list expenses, 3) pay yourself first by saving, 4) make adjustments, 5) pay down debt, and 6) track results. The document provides various tips to reduce expenses in areas like housing, food, transportation, and entertainment. It warns about the real costs of credit card debt and signs that debt may be getting out of control. Overall, the document emphasizes creating and sticking to a budget in order to better manage finances and work towards savings goals.
GA portfolio
This is my final presentation for General Assembly (GA). It is a about a new payment solution. Let me know if you have any feedbacks!
Life in USA - 10 things to do by an F1 or J1 student
Top 10 must things do by an F1 or J1 Student as soon as they enter the USA
Website: http://www.crackthequant.com/
Facebook: http://www.facebook.com/CrackTheQuant
Twitter: http://www.twitter.com/CrackTheQuant
Instagram: http://www.instagram.com/CrackTheQuant
Similar to Becoming financially fit (20)
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...
Life in USA - 10 things to do by an F1 or J1 student
Life in USA - 10 things to do by an F1 or J1 student
Recently uploaded
Who Is the Largest Producer of Soybean in India Now.pdf
This blog explores the current largest producer of soybean in India and the factors contributing to their dominance.
一比一原版(UCL毕业证)伦敦大学|学院毕业证如何办理
UCL硕士学位证成绩单【微信95270640】《如何办理伦敦大学|学院毕业证认证》【办证Q微信95270640】《伦敦大学|学院文凭毕业证制作》《UCL学历学位证书哪里买》办理伦敦大学|学院学位证书扫描件、办理伦敦大学|学院雅思证书！
国际留学归国服务中心《如何办伦敦大学|学院毕业证认证》《UCL学位证书扫描件哪里买》实体公司，注册经营，行业标杆，精益求精！
专业为留学生办理伦敦大学|学院伦敦大学|学院毕业证offer【100%存档可查】留学全套申请材料办理。本公司承诺所有毕业证成绩单成品全部按照学校原版工艺对照一比一制作和学校一样的羊皮纸张保证您证书的质量！
如果你回国在学历认证方面有以下难题请联系我们我们将竭诚为你解决认证瓶颈
1所有材料真实但资料不全无法提供完全齐整的原件。【如：成绩单丶毕业证丶回国证明等材料中有遗失的。】
2获得真实的国外最终学历学位但国外本科学历就读经历存在问题或缺陷。【如：国外本科是教育部不承认的或者是联合办学项目教育部没有备案的或者外本科没有正常毕业的。】
3学分转移联合办学等情况复杂不知道怎么整理材料的。时间紧迫自己不清楚递交流程的。
如果你是以上情况之一请联系我们我们将在第一时间内给你免费咨询相关信息。我们将帮助你整理认证所需的各种材料.帮你解决国外学历认证难题。
国外伦敦大学|学院伦敦大学|学院毕业证offer办理方法：
1客户提供办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询伦敦大学|学院伦敦大学|学院毕业证offer）；
2开始安排制作伦敦大学|学院毕业证成绩单电子图；
3伦敦大学|学院毕业证成绩单电子版做好以后发送给您确认；
4伦敦大学|学院毕业证成绩单电子版您确认信息无误之后安排制作成品；
5伦敦大学|学院成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。吃吃地笑山娃很精神越逛越起劲父亲却越逛越疲倦望着父亲呵欠连天的样子山娃也说困了累了回家吧小屋闷罐一般头顶上的三叶扇彻夜呜呜作响搅得满屋热气腾腾也搅得山娃心烦意乱父亲一上床就呼呼大睡山娃却辗转反侧睡不着山娃一次又一次摸索着爬起来一遍又一遍地用暖乎乎的冷水擦身往水泥地板上一勺一勺的洒水也不知过了多久山娃竟迷迷糊糊地睡着了迷迷糊糊地又闻到了闹钟刺耳的铃声和哐咣的关门声待山娃醒来时父亲早已上班去了床头总们
An Overview of the Prosocial dHEDGE Vault works
How the prosocial dHEDGE earns you money while saving the world!
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
学校原件一模一样【微信：741003700 】《(SMU毕业证书)南卫理公会大学毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
一比一原版(IC毕业证)帝国理工大学毕业证如何办理
IC毕业证文凭证书【微信95270640】一比一伪造帝国理工大学文凭@假冒IC毕业证成绩单+Q微信95270640办理IC学位证书@仿造IC毕业文凭证书@购买帝国理工大学毕业证成绩单IC真实使馆认证/真实留信认证回国人员证明
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】
1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
2、面对父母的压力，希望尽快拿到帝国理工大学帝国理工大学毕业证学历书；
3、不清楚流程以及材料该如何准备帝国理工大学帝国理工大学毕业证学历书；
4、回国时间很长，忘记办理；
5、回国马上就要找工作，办给用人单位看；
6、企事业单位必须要求办理的；
面向美国乔治城大学毕业留学生提供以下服务:
【★帝国理工大学帝国理工大学毕业证学历书毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】
【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】
【★真实教育部认证，教育部存档，教育部留服网站可查】
【★真实留信认证，留信网入库存档，可查帝国理工大学帝国理工大学毕业证学历书】
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
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助帝国理工大学同学朋友
你做代理，可以拯救帝国理工大学失足青年
你做代理，可以挽救帝国理工大学一个个人才
你做代理，你将是别人人生帝国理工大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会美景更增添一份性感夹杂着一份纯洁的妖娆毫无违和感实在给人带来一份悠然幸福的心情如果说现在的审美已经断然拒绝了无声的话那么在树林间飞掠而过的小鸟叽叽咋咋的叫声是否就是这最后的点睛之笔悠然走在林间的小路上宁静与清香一丝丝的盛夏气息吸入身体昔日生活里的繁忙与焦躁早已淡然无存心中满是悠然清淡的芳菲身体不由的轻松脚步也感到无比的轻快走出这盘栾交错的小道眼前是连绵不绝的山峦浩荡天地间大自然毫无吝啬的展现它的达
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Detailed power point presentation on compound interest and how it is calculated
Detailed information about compund interest
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...Falcon Invoice Discounting
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.一比一原版(GWU,GW毕业证)加利福尼亚大学|尔湾分校毕业证如何办理
GWU,GW毕业证录取书【微信95270640】一比一伪造加利福尼亚大学|尔湾分校文凭@假冒GWU,GW毕业证成绩单+Q微信95270640办理GWU,GW学位证书@仿造GWU,GW毕业文凭证书@购买加利福尼亚大学|尔湾分校毕业证成绩单GWU,GW真实使馆认证/真实留信认证回国人员证明
全套服务：加利福尼亚大学|尔湾分校加利福尼亚大学|尔湾分校毕业证成绩单真实回国人员证明 #真实教育部认证。让您回国发展信心十足#铸就十年品质！信誉！实体公司！可以视频看办公环境样板如需办理真实可查可以先到公司面谈勿轻信小中介黑作坊！
可以提供加利福尼亚大学|尔湾分校钢印 #水印 #烫金 #激光防伪 #凹凸版 #最新版的毕业证 #百分之百让您绝对满意
印刷DHL快递毕业证 #成绩单7个工作日真实大使馆教育部认证1个月。为了达到高水准高效率
请您先以qq或微信的方式对我们的服务进行了解后如果有加利福尼亚大学|尔湾分校加利福尼亚大学|尔湾分校毕业证成绩单帮助再进行电话咨询。
国外毕业证学位证成绩单如何办理：
1客户提供办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作加利福尼亚大学|尔湾分校毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。口水苦涩无比山娃一边游泳一边念念不忘那元门票尤令山娃气愤的是泳池老板居然硬让父亲买了一大一小二条巴掌般大的裤衩衩走出泳池山娃感觉透身粘粘乎乎散发着药水味有点痒山娃顿时留恋起家乡的小河潺潺活水清凉无比日子就这样孤寂而快乐地过着寂寞之余山娃最神往最开心就是晚上无论多晚多累父亲总要携山娃出去兜风逛夜市流光溢彩人潮涌动的都市夜生活总让山娃目不暇接惊叹不已父亲老问山娃想买什么想吃什么山娃知道父亲赚钱很辛苦在
5 Tips for Creating Standard Financial Reports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
1.2 Business Ideas Business Ideas Busine
Business Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas Powerpoint
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Recently uploaded (20)
Who Is the Largest Producer of Soybean in India Now.pdf
Who Is the Largest Producer of Soybean in India Now.pdf
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Detailed power point presentation on compound interest and how it is calculated
Detailed power point presentation on compound interest and how it is calculated
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...
Tumelo-deep-dive-into-pass-through-voting-Feb23 (1).pdf
Tumelo-deep-dive-into-pass-through-voting-Feb23 (1).pdf
Applying the Global Internal Audit Standards_AIS.pdf
Applying the Global Internal Audit Standards_AIS.pdf
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Becoming financially fit
- 2. Step 1 • Sit down and make a BUDGET • Know how much you have coming in and going out every month
- 3. Debt is Dumb • Credit card companies and banks will rip you off and feel good about it. • You’ll pay interest on purchases you made years ago.
- 4. Average Americans • Keeping up with the Jones’s doesn’t make any sense (the Jones’s are BROKE!) • Buy what you can afford. Afford = pay for.
- 5. Automobiles • Never lease – its like throwing hundred dollar bills out the window every week. • Don’t buy new – major hit when you leave the lot. 5 years later = loss of 40% of value.
- 6. Automobiles Cont. • Try to have no loan – work your way up to a nicer car. • Buy practical cars.
- 7. School Loans • Try to pay as you go – you’ll have time to work at least a part-time job. • 6 months after you graduate interest starts accumulating on your loans.
- 8. Home Mortgage (loan) • Put at least a 20% down payment – avoids extra interest. • Payments no more than 25% of income. • 15 year instead of 30 year. • http://www.daveramsey.com/tools/mortgage-calculator/
- 9. Saving and Investing • Continuously save for future purchases. Plan ahead and pay cash when the time comes. • Start saving early for retirement 10 – 15% of your income. • http://www.daveramsey.com/tools/investing- calculator/
- 10. Summary • Make more than you spend – do it on paper before it happens (budget). • Pay cash – no loans, credit cards. • Responsible mortgages. • Save money regularly for the short term. • Invest money Regularly for the long term.
- 11. Financial Freedom • Not tied down by a job you don’t like. • Can give money away in huge amounts. • No worries or concerns about you or your family’s future.