This document provides instructions for creating a realistic monthly budget. It explains that a budget accounts for income versus expenses, with the goal of expenses being less than income. Common expenses are listed like housing, utilities, transportation, food, and savings, which should be at least 5% of income. Students will be assigned an occupation with a set income and must choose housing, a car, and estimate other expenses to track in a monthly budget worksheet. If expenses exceed income or savings is less than 5%, spending habits must be adjusted.
On My Own is a comprehensive financial program for youth that is typically guided through in-person simulations. This is an online-only version created to meet the need of virtual learning in 2020.
Cash Flow Planning Bonus ProjectPlan AheadWe are told, inMaximaSheffield592
Cash Flow Planning Bonus Project
Plan Ahead
We are told, in business, that we should be proactive; and broadly what is meant by that is to focus our efforts and attention on the long-term and to think in terms of the long-term consequences of our actions.
Proactive people simply will not accept that there is nothing that can be done about the unreasonable boss or the events of daily life - they will point out that there are always choices. It is by the decisions we make, our responses to people, events and circumstances that proactive people can and do affect the future. We may have no control over what life throws at us but we always have a choice about how we are to respond. —Stephen Covey's landmark book The 7 Habits of Highly Effective People
The purpose of creating a Cash Flow Plan is to spend your paycheck on paper before you actually spend it during the month
Remember:
Money is active and always moving
Wealth is no longer measured in what you make a year
Wealth is measured in what you do with your money during a year
You will either be on your way to being wealthy, broke, or poor
Give your money a name
Rent/Mortgage, food, utilities, taxes, insurance, etc.
Money that is simply left unaccounted for will always find a way out of your personal financial plan
This Cash Flow Plan should be done every pay period!
Recommended Percentages used for Budgeting
The following are a compilation of several sources to derive the suggested percentage guidelines. However, these are only recommended percentages and will change dramatically if you have a very high or very low income.
For instance, if you have a very low income, your necessities percentages will be high. If you have a high income your necessities will be a lower percentage of income and hopefully savings (not debt) will be higher than recommended.
ITEMACTUAL %RECOMMENDED %
CHARITABLE GIFTS _________ 10%
SAVING _________ 5-10%
HOUSING _________ 25 -35%
UTILITIES _________ 10-15%
FOOD _________ 15%
TRANSPORTATION _________ 10%
CLOTHING _________ 2-7%
MEDICAL/HEALTH _________ 5-10%
PERSONAL _________ 5-10%
RECREATION _________ 5%
DEBTS _________ 5-10%
Cash Flow Planning
Every dollar of your income should be allocated to some category on this sheet. Money "left over" should be put back into a category even if you make up a new category. You are making the spending decisions ahead of time here. Almost every category (except debt) should have some dollar amount in it.
Fill in the amount for each subcategory under "Subtotal" and then the total each main category under "Total." As you go through your first month, fill in the "Actually Spent" column with your real expenses or the saving you did for that area. If there is a substantial difference in the plan versus the reality something has to give. You will either have to adjust the amount allocated to that area up and another down or you will have to better c ...
Analyze and describe your current budget and budget variance..docxrossskuddershamus
Analyze and describe your current budget and budget variance.
Budgeted plans offer business visionaries some assistance with setting financial objectives – and audit genuine execution against these objectives. Since a financial plan is an appraisal of future numbers in view of current data, your business' real execution ought to be like the budgeted sums. Real execution, be that as it may, will never be precisely the same as the financial backing. It will approach, miss the mark, or surpass the financial backing.
The financial backing ought to be observed frequently consistently: quarterly, month to month, or even week after week. Inspecting the monetary allowance will offer you some assistance with identifying issues before they cost the business an excess of time or cash. How frequently you audit the financial backing relies on upon your trust in the figures and the danger connected with not meeting the monetary allowance. For instance, in the event that you should meet a specific spending plan so as to meet your credit commitments, the danger of missing the mark is high. You should think about modifying the present year's financial plan at different interims consistently. Numerous organizations re-assess their financial plans part of the way through the year. Along these lines they can survey the genuine results so far and modify the monetary allowance to all the more precisely speak to genuine desires.
At the point when your business does not meet budgeted figures, begin by exploring the business methodology that shaped the premise for the financial backing. Some part of executing your business technique did not happen not surprisingly. You additionally need to investigate the financial backing figures, giving careful consideration to the real parts of benefit—Sales, Cost of Goods Sold, and Operating Expenses. Perhaps you met your Sales objectives and comprehended the Cost of Goods Sold, however misconstrued Operating Expenses. Assess the progressions you should make to future spending plans to incorporate this new information.
While making a business budget plan, there are a great deal of things that you have to mull over. A financial plan is continually changing and being adjusted, in light of the fact that your business is always developing, changing, and making strides. In any case, there are additionally outer impacts that you have to mull over while making or altering your business spending plan. There are bunches of various types of outer impacts. Here is a rundown of a portion of the outer impacts that there are on a business spending plan:
Political and lawful outside impacts: There are two or three distinct ways that legislative issues and lawful arrangements can influence your business. Maybe a standout amongst the most widely recognized political and legitimate outside elements is the creation and change of expenses. As a business, you truly have no influence over the amount of cash the administration chooses to duty you f.
The presentation is for Coldwell Banker Elite agents in Fredericksburg Virginia. Each agent is given the opportunity to develop their career plan and budget to encourage their success. For more information email Careers@ColdwellBankerElite.com
CashFlowStatementPersonal Cash Flow Statement (My Current Actual I.docxbartholomeocoombs
CashFlowStatementPersonal Cash Flow Statement (My Current Actual Income and Expenses)Complete this Statement BEFORE COMPLETING THE BUDGET!Name: Cynthia FultonAs of Date: 10/06/2022Use this sheet to identify your TAKE HOME income, your monthly expenses, and your disposable income and percentage.Do not report any monies deducted from your pay.Change Cell Names as neededMonthly Take Home IncomeSecured Debts (Monthly Payments on Major Items)Salary/Wages/Business Draw4,459.16Housing/Apartment Rent0.00Salary or Wages (Spouse)0.00Home 1st Mortgage740.00Social Security that you Receive0.00Home 2nd Mortgage0.00Pension/Retirement that you receive0.00Land Lease (Trailer park, other)0.00Interest you receive on Accounts (e.g., savings)0.00Student Loans0.00Alimony / Child Support that you receive0.001st Auto Loan/Leases385.50Real Estate rent (income) that you receive0.002nd Auto Loan/Leases0.00Investment Dividends0.00Recreation (Boat, ATV, etc.) Payments0.00Unemployment/ Food Stamps0.00Other Debts0.00Other income you receive (type the item in this cell)0.00Other Debts0.00Total Monthly Take Home Income$4,459.16Other Loans0.00Other Loans0.00Monthly Living ExpensesTotal Secured Debt1,125.50Alimony / Child Support that you Pay (outgoing)0.00Auto Gas, Oil, Repair, and Taxes110.00Unsecured Debt (Monthly Payments)Auto Insurance171.00Credit Card 1192.00Cable TV/ Satellite Fees30.00Credit Card 2107.00Charitable Contributions0.00Credit Card 340.00Child Care0.00Credit Card 492.00Childrens' Activities37.50Credit Card 5100.00Clothing Maintenance (Laundy/Dry cleaning0.00Credit Card 645.00Clothing Purchases0.00Credit Card 764.00Electric Bill100.00Credit Card 80.00Entertainment - Other than eating out.0.00Personal Loan 1336.00Food (In-home / Groceries)120.00Personal Loan 2110.00Food (Out of home - Lunch, Dining)0.00Medical Bill Payment0.00Health and Dental Insurance that you pay out of pocketOther 197.00Homeowner/Condo Repairs and/or fees0.00Other 0.00Homeowners or Renters Insurance0.00Total Unsecured Debt1,283.00Household items(e.g., soaps, toothpaste,Lawn supplies, etc.).0.00Internet Access0.00SummaryLife and Disability Insurance40.00Total Take Home (Income )4,459.16Memberships (Health club etc.)0.00Total Living Expenses (-)1,473.21Personal Care (e.g., beauty salon/haircuts)0.00Total Secured Debt Payments (-)1,125.50Prescriptions0.00Total Unsecured Debt Payments (-)1,283.00Property Services (Gardener,Pool)0.00Disposable Income **577.45Security Services (Alarm)38.22Disposable Income as a Percent of Total Income12.9%Subscriptions 10.97A healthy budget will have disposable income = 5 to 10% of total income.Telephone (Home, Cell, Pager)123.05Trash Disposal0.00If your calculations reveal a deficit (negative number/ not enough income Tuition and School Supplies250.00to pay expenses), you are likely in serious debt. Water Bill91.78You may print this spreadsheet and write in the item amounts as you find the information. Then enter the information into this spreadsheet in Exce.
Enter your nameEnter your cityEnter the yearOf.docxSALU18
Enter your name
Enter your city
Enter the year
Office Hours:
TABLE OF CONTENTS
Section Name Page NumberAgency Vision & Mission Our goals for Year 1Agency Market Analysis Market Demographics
Agency Community RelationshipS PlanAgency AnalysisBuilding An AgencyCapital investmentagency office management planmarketingagency production goals30-60-90 Day planAgency Compensation Projectionsinput expenses Sheetinput production Sheetincome summary Sheetbook of business summary sheet
AGENCY VISION AND MISSION
Our Agency Vision
Our Mission Statement
OUR GOALS FOR FIRST YEAR
List your high-level goals for the office. Examples of these goals include Ambassador Travel, Top 100 New Agents and/or excelling at Territory / Market promotions.
The Agent:
The Team:
Our Office Facility:
Our Customer Service:
AGENCY MARKET ANALYSIS
Market DemographicsDiscuss the demographics and growth opportunities in the prospective Agency locations. How will this market research affect the Agency? What specific customer needs have you identified?Note: Community is the local market; Market Area is broader, ie: the county in which your community is located.
Primary Market Area:
Demographic Analysis
Community
Micro Market
Market Area
Macro Market
Population
Population Trends
Number of Households
Home Ownership Rate
Median Housing Cost
Median Income
Language Other Than English
Market Factors
State Farm Household Penetration
Auto Penetration
Fire Penetration
Agency Community Relationships Plan
Communicating With and Involving Team Members
How will you utilize your team members to build your brand and presence in your community/market area?
Monitoring Community RelationshipsHow will you measure your involvement and impact in the community? What strategies will help to maintain and build relationships in your community?
Agency Analysis
Summarize your Agency Analysis by identifying the most important aspects of your business situation. Record your agency and market Strengths, Weaknesses, Opportunities & Threats/Competitor Analysis below.
STRENGTHS
WEAKNESSES
·
·
OPPORTUNITIES
THREATS / COMPETITOR ANALYSIS
·
·
BUILDING AN AGENCY
Capital Investment
How much capital do you anticipate having accessible in the first 6 to 24 months. How will investing in your Agency impact your other financial commitments. It is recommended that you have 12 months of your personal expenses set aside with access to additional funding.
Agency Office Management Plan
Recruiting Plan
How many team members do you plan to have? What types of recruiting do you plan in finding your team? Do you have a growth strategy for increasing your team in the future? What is your team member skill set requirements?Agency Team Member Compensation Package
How will you compensate your team? Will you incorporate a bonus/incentive program? If so, explain.
Team Member Training Plan
How will you train & develop ...
How to afford your private practice ways to fund starting up and how to keep ...Dr. Chris Stout
This piece will examine the costs and approaches to meeting the expenses that are involved in starting a private practice. Readers may be surprised in realizing what should be considered in calculating the cost of doing business when opening and running a private practice. Likewise, they may be surprised with the options available to them for paying off these expenses as well.
Learn more at http://DrChrisStout.com
On My Own is a comprehensive financial program for youth that is typically guided through in-person simulations. This is an online-only version created to meet the need of virtual learning in 2020.
Cash Flow Planning Bonus ProjectPlan AheadWe are told, inMaximaSheffield592
Cash Flow Planning Bonus Project
Plan Ahead
We are told, in business, that we should be proactive; and broadly what is meant by that is to focus our efforts and attention on the long-term and to think in terms of the long-term consequences of our actions.
Proactive people simply will not accept that there is nothing that can be done about the unreasonable boss or the events of daily life - they will point out that there are always choices. It is by the decisions we make, our responses to people, events and circumstances that proactive people can and do affect the future. We may have no control over what life throws at us but we always have a choice about how we are to respond. —Stephen Covey's landmark book The 7 Habits of Highly Effective People
The purpose of creating a Cash Flow Plan is to spend your paycheck on paper before you actually spend it during the month
Remember:
Money is active and always moving
Wealth is no longer measured in what you make a year
Wealth is measured in what you do with your money during a year
You will either be on your way to being wealthy, broke, or poor
Give your money a name
Rent/Mortgage, food, utilities, taxes, insurance, etc.
Money that is simply left unaccounted for will always find a way out of your personal financial plan
This Cash Flow Plan should be done every pay period!
Recommended Percentages used for Budgeting
The following are a compilation of several sources to derive the suggested percentage guidelines. However, these are only recommended percentages and will change dramatically if you have a very high or very low income.
For instance, if you have a very low income, your necessities percentages will be high. If you have a high income your necessities will be a lower percentage of income and hopefully savings (not debt) will be higher than recommended.
ITEMACTUAL %RECOMMENDED %
CHARITABLE GIFTS _________ 10%
SAVING _________ 5-10%
HOUSING _________ 25 -35%
UTILITIES _________ 10-15%
FOOD _________ 15%
TRANSPORTATION _________ 10%
CLOTHING _________ 2-7%
MEDICAL/HEALTH _________ 5-10%
PERSONAL _________ 5-10%
RECREATION _________ 5%
DEBTS _________ 5-10%
Cash Flow Planning
Every dollar of your income should be allocated to some category on this sheet. Money "left over" should be put back into a category even if you make up a new category. You are making the spending decisions ahead of time here. Almost every category (except debt) should have some dollar amount in it.
Fill in the amount for each subcategory under "Subtotal" and then the total each main category under "Total." As you go through your first month, fill in the "Actually Spent" column with your real expenses or the saving you did for that area. If there is a substantial difference in the plan versus the reality something has to give. You will either have to adjust the amount allocated to that area up and another down or you will have to better c ...
Analyze and describe your current budget and budget variance..docxrossskuddershamus
Analyze and describe your current budget and budget variance.
Budgeted plans offer business visionaries some assistance with setting financial objectives – and audit genuine execution against these objectives. Since a financial plan is an appraisal of future numbers in view of current data, your business' real execution ought to be like the budgeted sums. Real execution, be that as it may, will never be precisely the same as the financial backing. It will approach, miss the mark, or surpass the financial backing.
The financial backing ought to be observed frequently consistently: quarterly, month to month, or even week after week. Inspecting the monetary allowance will offer you some assistance with identifying issues before they cost the business an excess of time or cash. How frequently you audit the financial backing relies on upon your trust in the figures and the danger connected with not meeting the monetary allowance. For instance, in the event that you should meet a specific spending plan so as to meet your credit commitments, the danger of missing the mark is high. You should think about modifying the present year's financial plan at different interims consistently. Numerous organizations re-assess their financial plans part of the way through the year. Along these lines they can survey the genuine results so far and modify the monetary allowance to all the more precisely speak to genuine desires.
At the point when your business does not meet budgeted figures, begin by exploring the business methodology that shaped the premise for the financial backing. Some part of executing your business technique did not happen not surprisingly. You additionally need to investigate the financial backing figures, giving careful consideration to the real parts of benefit—Sales, Cost of Goods Sold, and Operating Expenses. Perhaps you met your Sales objectives and comprehended the Cost of Goods Sold, however misconstrued Operating Expenses. Assess the progressions you should make to future spending plans to incorporate this new information.
While making a business budget plan, there are a great deal of things that you have to mull over. A financial plan is continually changing and being adjusted, in light of the fact that your business is always developing, changing, and making strides. In any case, there are additionally outer impacts that you have to mull over while making or altering your business spending plan. There are bunches of various types of outer impacts. Here is a rundown of a portion of the outer impacts that there are on a business spending plan:
Political and lawful outside impacts: There are two or three distinct ways that legislative issues and lawful arrangements can influence your business. Maybe a standout amongst the most widely recognized political and legitimate outside elements is the creation and change of expenses. As a business, you truly have no influence over the amount of cash the administration chooses to duty you f.
The presentation is for Coldwell Banker Elite agents in Fredericksburg Virginia. Each agent is given the opportunity to develop their career plan and budget to encourage their success. For more information email Careers@ColdwellBankerElite.com
CashFlowStatementPersonal Cash Flow Statement (My Current Actual I.docxbartholomeocoombs
CashFlowStatementPersonal Cash Flow Statement (My Current Actual Income and Expenses)Complete this Statement BEFORE COMPLETING THE BUDGET!Name: Cynthia FultonAs of Date: 10/06/2022Use this sheet to identify your TAKE HOME income, your monthly expenses, and your disposable income and percentage.Do not report any monies deducted from your pay.Change Cell Names as neededMonthly Take Home IncomeSecured Debts (Monthly Payments on Major Items)Salary/Wages/Business Draw4,459.16Housing/Apartment Rent0.00Salary or Wages (Spouse)0.00Home 1st Mortgage740.00Social Security that you Receive0.00Home 2nd Mortgage0.00Pension/Retirement that you receive0.00Land Lease (Trailer park, other)0.00Interest you receive on Accounts (e.g., savings)0.00Student Loans0.00Alimony / Child Support that you receive0.001st Auto Loan/Leases385.50Real Estate rent (income) that you receive0.002nd Auto Loan/Leases0.00Investment Dividends0.00Recreation (Boat, ATV, etc.) Payments0.00Unemployment/ Food Stamps0.00Other Debts0.00Other income you receive (type the item in this cell)0.00Other Debts0.00Total Monthly Take Home Income$4,459.16Other Loans0.00Other Loans0.00Monthly Living ExpensesTotal Secured Debt1,125.50Alimony / Child Support that you Pay (outgoing)0.00Auto Gas, Oil, Repair, and Taxes110.00Unsecured Debt (Monthly Payments)Auto Insurance171.00Credit Card 1192.00Cable TV/ Satellite Fees30.00Credit Card 2107.00Charitable Contributions0.00Credit Card 340.00Child Care0.00Credit Card 492.00Childrens' Activities37.50Credit Card 5100.00Clothing Maintenance (Laundy/Dry cleaning0.00Credit Card 645.00Clothing Purchases0.00Credit Card 764.00Electric Bill100.00Credit Card 80.00Entertainment - Other than eating out.0.00Personal Loan 1336.00Food (In-home / Groceries)120.00Personal Loan 2110.00Food (Out of home - Lunch, Dining)0.00Medical Bill Payment0.00Health and Dental Insurance that you pay out of pocketOther 197.00Homeowner/Condo Repairs and/or fees0.00Other 0.00Homeowners or Renters Insurance0.00Total Unsecured Debt1,283.00Household items(e.g., soaps, toothpaste,Lawn supplies, etc.).0.00Internet Access0.00SummaryLife and Disability Insurance40.00Total Take Home (Income )4,459.16Memberships (Health club etc.)0.00Total Living Expenses (-)1,473.21Personal Care (e.g., beauty salon/haircuts)0.00Total Secured Debt Payments (-)1,125.50Prescriptions0.00Total Unsecured Debt Payments (-)1,283.00Property Services (Gardener,Pool)0.00Disposable Income **577.45Security Services (Alarm)38.22Disposable Income as a Percent of Total Income12.9%Subscriptions 10.97A healthy budget will have disposable income = 5 to 10% of total income.Telephone (Home, Cell, Pager)123.05Trash Disposal0.00If your calculations reveal a deficit (negative number/ not enough income Tuition and School Supplies250.00to pay expenses), you are likely in serious debt. Water Bill91.78You may print this spreadsheet and write in the item amounts as you find the information. Then enter the information into this spreadsheet in Exce.
Enter your nameEnter your cityEnter the yearOf.docxSALU18
Enter your name
Enter your city
Enter the year
Office Hours:
TABLE OF CONTENTS
Section Name Page NumberAgency Vision & Mission Our goals for Year 1Agency Market Analysis Market Demographics
Agency Community RelationshipS PlanAgency AnalysisBuilding An AgencyCapital investmentagency office management planmarketingagency production goals30-60-90 Day planAgency Compensation Projectionsinput expenses Sheetinput production Sheetincome summary Sheetbook of business summary sheet
AGENCY VISION AND MISSION
Our Agency Vision
Our Mission Statement
OUR GOALS FOR FIRST YEAR
List your high-level goals for the office. Examples of these goals include Ambassador Travel, Top 100 New Agents and/or excelling at Territory / Market promotions.
The Agent:
The Team:
Our Office Facility:
Our Customer Service:
AGENCY MARKET ANALYSIS
Market DemographicsDiscuss the demographics and growth opportunities in the prospective Agency locations. How will this market research affect the Agency? What specific customer needs have you identified?Note: Community is the local market; Market Area is broader, ie: the county in which your community is located.
Primary Market Area:
Demographic Analysis
Community
Micro Market
Market Area
Macro Market
Population
Population Trends
Number of Households
Home Ownership Rate
Median Housing Cost
Median Income
Language Other Than English
Market Factors
State Farm Household Penetration
Auto Penetration
Fire Penetration
Agency Community Relationships Plan
Communicating With and Involving Team Members
How will you utilize your team members to build your brand and presence in your community/market area?
Monitoring Community RelationshipsHow will you measure your involvement and impact in the community? What strategies will help to maintain and build relationships in your community?
Agency Analysis
Summarize your Agency Analysis by identifying the most important aspects of your business situation. Record your agency and market Strengths, Weaknesses, Opportunities & Threats/Competitor Analysis below.
STRENGTHS
WEAKNESSES
·
·
OPPORTUNITIES
THREATS / COMPETITOR ANALYSIS
·
·
BUILDING AN AGENCY
Capital Investment
How much capital do you anticipate having accessible in the first 6 to 24 months. How will investing in your Agency impact your other financial commitments. It is recommended that you have 12 months of your personal expenses set aside with access to additional funding.
Agency Office Management Plan
Recruiting Plan
How many team members do you plan to have? What types of recruiting do you plan in finding your team? Do you have a growth strategy for increasing your team in the future? What is your team member skill set requirements?Agency Team Member Compensation Package
How will you compensate your team? Will you incorporate a bonus/incentive program? If so, explain.
Team Member Training Plan
How will you train & develop ...
How to afford your private practice ways to fund starting up and how to keep ...Dr. Chris Stout
This piece will examine the costs and approaches to meeting the expenses that are involved in starting a private practice. Readers may be surprised in realizing what should be considered in calculating the cost of doing business when opening and running a private practice. Likewise, they may be surprised with the options available to them for paying off these expenses as well.
Learn more at http://DrChrisStout.com
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
1. Name ____________________ Date _________ Period ______
Making Ends Meet
Scenario: You have just received your diploma and are about to enter the
real world. You will be given a career with a set income and your task is to
create a realistic budget. An even bigger challenge is to live within that
budget.
Task: A budget starts with knowing how much money you bring in each
month. This is called your income. Expenses are the opposite of income.
Money is spent on the things you need or want. Below are some basic
categories of expenses. Your expenses need to be less than your monthly
income. If not, you will need to change your spending habits. Also, if
your savings is not at least 5% of your income, you will need to adjust
your spending habits.
Below is a list of common expenses with the suggested amounts.
Student loans - $400 per month for the following jobs: Teacher,
College Professor, Biologist, Engineer, Nurse, Webmaster,
Psychologist, Advertising Manager, Medical Lab Tech, Forester,
Bookkeeper, Loan Processor, Pastor
Basic health insurance - $200 per month for all other jobs
Food
Clothing
Miscellaneous (5% of your net monthly income)
Savings (5% of your net monthly income)
Home Phone
Cable
Entertainment
Pet and pet supplies
The following will be researched to determine your monthly spending:
Housing
Utilities (10% of your rent or mortgage)
Transportation (car payment, insurance, gas)
Cell Phone
2. Part One
Occupation: You will be assigned an occupation by luck of the draw. Fill
in the sections below using the information on the occupation cards given to
you by your teacher.
Occupation _______________________
Annual Gross Income ___________
Gross Monthly Income ___________
(income divided by 12)
Net monthly income ___________
(gross monthly income multiplied by 0.80)
*This is your take home pay after taxes.
3. Part Two
Housing: Choose a housing preference using the information provided.
Housing should be no more than 30% of your monthly net income. (0.30
multiplied by net monthly income)
How much money can you afford for housing? _______________
Which housing option did you choose? ______________________
What is your housing cost? ____________
What percent is this of your net monthly income? ____________
Utilities are 10% of your monthly housing costs. This includes gas, water,
electric, and garbage collection.
What is your utility cost? ____________
Type of housing Mortgage payment Rent
Apartment X $450
Condo $1,000 $750
Townhome $1,300 $850
House $1,500 $950
4. Part Three
Transportation: Use the car magazines provided to choose a car you
would consider owning. You will have no money available for a down payment.
Car Monthly Payment
(5 years at 3.0% APR)
Total cost for
Transportation
Gas + Insurance + Payment
If you find you cannot afford a car, you may pay $100 per month for use of
public transportation.
Car Payment Calculation
The bank has granted each of you a 5 year loan at a 3.0% interest rate.
What is the cost of the car you chose? _____________
To find the cost per month, divide by 60.
(Because 5 years x 12 months = 60)
+
+
Now find the cost including interest:
Multiply the monthly payment by 0.03.
=
Add the monthly car payment and the interest together.
What is your total monthly car payment?
You must also add the cost of basic car insurance ($100) and the cost
of gas ($20-100)
$100 + _________ + __________ = $ ____________
(insurance) (gas) (car payment) TOTAL TRANSPORTATION COST
5. Part Four
Flexible Estimated Expenses: Determine on your own the possible
monthly cost of the following items.
Category Monthly Cost
Food
Clothing
Home Phone
Cable & Internet
Entertainment (movies, restaurants, events)
Pet and Pet Supplies
Miscellaneous (2%)
*Cell Phone
*Research the provided cell phone plans to determine which plan best fits
your budget and meets your needs.
Total Estimated Expenses ___________________
6. Part Five
Data Entry: During class enter the information you have collected about
your monthly expenses into the “Monthly Budget Record” (from student loan
down to savings). Make adjustments to your spending if necessary in order
to meet project goals.
* Save 5% of your income
* Don’t spend more than you earn
Part Six
Make a Circle Graph: Use the data from your Excel worksheet to make
a circle graph. (Directions will be on zmath.edublogs.org). We will use an
online website to help us build our graphs
7. MONTHLY BUDGET RECORD
OCCUPATION: ______________________
INCOME EXPENSES PERCENT OF
INCOME
NET MONTHLY
INCOME
X X
CLOTHING X
HOUSING X
UTILITIES X
TRANSPORTATION X
ENTERTAINMENT X
MISCELLANEOUS X
FOOD X
PHONE X
CELL PHONE X
STUDENT LAON X
HEALTH
INSURANCE
X
PETS X
CABLE X
TOTAL X
My 5% goal to save ______________
ACTUAL SAVINGS ______________ = ________%
(Total income minus total expenses)