The document provides financial advice for raising a child, including that it costs an average of $226,920 to raise a child to age 18 not including various expenses, and that spending twice as much time with children and half as much money leads to better outcomes. It recommends creating financial goals, tracking spending, cutting expenses, avoiding scams and debt, and maintaining an emergency fund.
The document provides a market analysis for a potential new food truck. It analyzes the food truck industry and competitive landscape. Specifically, it examines two main competitors - Burnt Truck and Burger Monster. It finds that Burnt Truck has been successful due to its consistency in location, which keeps customers coming back. However, its food display could be improved. Overall, the analysis indicates that launching a new food truck will require unique offerings and consistency in location and marketing to attract and retain customers.
The document summarizes the Reserve Bank of India (RBI) Grade B Officer recruitment process. It outlines the eligibility requirements including nationality, age limits, and minimum educational qualifications. It describes the selection process which involves a two-phase online exam and interview. It provides details on the exam pattern for the General, DEPR, and DSIM streams, including the number and types of papers, duration, and marks. The document is intended to help candidates understand the full RBI Grade B recruitment and selection process.
The document provides information about tax deducted at source (TDS) in India. Some key points:
1. TDS is a system where specified payments like salary, rent, professional fees etc are subject to tax deduction at source. The tax deducted is remitted to the government and the deductee gets credit for the tax paid.
2. Every deductor must obtain a Tax Deduction Account Number (TAN) to deduct taxes. TDS must be deducted as per prescribed rates depending on the nature of payment.
3. TDS certificates like Form 16 and Form 16A are issued to deductees stating the tax deducted. These can be used for claiming tax credits.
The document provides numerous tips for military personnel to save money, including saving $2.74 per day for an emergency fund, maintaining vehicles for fuel efficiency, using automatic deposits to "pay yourself first", establishing financial goals, and learning about personal finance fundamentals. It also discusses saving on taxes, credit card usage, insurance, investing, retirement planning, estate planning, and available military benefits.
Are You Really Ready for Your First Place?Evelyn Berrier
The document provides tips for financially preparing to live independently for the first time. It recommends budgeting so rent is no more than 30% of gross income, completing a financial summary, and considering additional living expenses. It stresses the importance of reading leases carefully, screening roommates, and protecting your credit in case of a bad roommate. Decorating inexpensively through secondhand sources is also suggested.
This document provides an overview of couponing and how to save money using coupons. It discusses what couponing is, how to get organized with coupons, sources of coupons like newspapers and websites, how to record savings from coupons, strategies for saving like stacking coupons and buying in bulk, and how couponing can be used to support healthy eating habits. The document offers tips for reading coupon restrictions, creating shopping lists, organizing coupons, maintaining coupons weekly, and calculating savings from deals that combine store sales with manufacturer coupons.
This document discusses credit scores, reports, and managing debt. It provides information on calculating credit scores based on payment history, amounts owed, credit history length, new credit, and credit types used. It advises that a score above 760 receives the best rates from lenders. The document also outlines how to check your credit report and score annually, correct inaccurate information, and recover from debt through budgeting and payment plans.
The document promotes checking one's credit score by calling Ft Belvoir FRP, suggesting that doing so would result in a smile like someone with a good credit score. It provides the phone numbers 703-805-1833/2606 to make an appointment at Ft Belvoir FRP to learn one's credit score.
The document provides a market analysis for a potential new food truck. It analyzes the food truck industry and competitive landscape. Specifically, it examines two main competitors - Burnt Truck and Burger Monster. It finds that Burnt Truck has been successful due to its consistency in location, which keeps customers coming back. However, its food display could be improved. Overall, the analysis indicates that launching a new food truck will require unique offerings and consistency in location and marketing to attract and retain customers.
The document summarizes the Reserve Bank of India (RBI) Grade B Officer recruitment process. It outlines the eligibility requirements including nationality, age limits, and minimum educational qualifications. It describes the selection process which involves a two-phase online exam and interview. It provides details on the exam pattern for the General, DEPR, and DSIM streams, including the number and types of papers, duration, and marks. The document is intended to help candidates understand the full RBI Grade B recruitment and selection process.
The document provides information about tax deducted at source (TDS) in India. Some key points:
1. TDS is a system where specified payments like salary, rent, professional fees etc are subject to tax deduction at source. The tax deducted is remitted to the government and the deductee gets credit for the tax paid.
2. Every deductor must obtain a Tax Deduction Account Number (TAN) to deduct taxes. TDS must be deducted as per prescribed rates depending on the nature of payment.
3. TDS certificates like Form 16 and Form 16A are issued to deductees stating the tax deducted. These can be used for claiming tax credits.
The document provides numerous tips for military personnel to save money, including saving $2.74 per day for an emergency fund, maintaining vehicles for fuel efficiency, using automatic deposits to "pay yourself first", establishing financial goals, and learning about personal finance fundamentals. It also discusses saving on taxes, credit card usage, insurance, investing, retirement planning, estate planning, and available military benefits.
Are You Really Ready for Your First Place?Evelyn Berrier
The document provides tips for financially preparing to live independently for the first time. It recommends budgeting so rent is no more than 30% of gross income, completing a financial summary, and considering additional living expenses. It stresses the importance of reading leases carefully, screening roommates, and protecting your credit in case of a bad roommate. Decorating inexpensively through secondhand sources is also suggested.
This document provides an overview of couponing and how to save money using coupons. It discusses what couponing is, how to get organized with coupons, sources of coupons like newspapers and websites, how to record savings from coupons, strategies for saving like stacking coupons and buying in bulk, and how couponing can be used to support healthy eating habits. The document offers tips for reading coupon restrictions, creating shopping lists, organizing coupons, maintaining coupons weekly, and calculating savings from deals that combine store sales with manufacturer coupons.
This document discusses credit scores, reports, and managing debt. It provides information on calculating credit scores based on payment history, amounts owed, credit history length, new credit, and credit types used. It advises that a score above 760 receives the best rates from lenders. The document also outlines how to check your credit report and score annually, correct inaccurate information, and recover from debt through budgeting and payment plans.
The document promotes checking one's credit score by calling Ft Belvoir FRP, suggesting that doing so would result in a smile like someone with a good credit score. It provides the phone numbers 703-805-1833/2606 to make an appointment at Ft Belvoir FRP to learn one's credit score.
Best financial planning practices for teenagersCalvin Lee
Teenagers should practice financial planning by budgeting their money, distinguishing between needs and wants, and considering all costs before purchasing expensive items. They can start building wealth by creating an emergency fund of 6-12 months' expenses, purchasing insurance policies, and saving for education. Over time, teens can accumulate more wealth by investing small amounts in stocks and shares while continuing to add to their savings accounts. Financial planning helps teens achieve financial goals.
The document provides information about a budgeting course offered by Salford Advice & Information Network. The course aims to teach skills for managing personal finances and creating a sustainable household budget. It covers topics like understanding income, essential vs non-essential expenses, budget planning tools, emergency savings funds, and adjusting a budget when needed. The goal is for participants to learn how to develop and self-manage a monthly budget tailored to their needs.
This document provides an overview of budgeting concepts including:
- The key components of a budget including income, expenses, and calculating net income or loss. It also distinguishes between fixed and variable expenses.
- Types of income such as earned, portfolio, and gifted/loaned income and how taxes apply.
- The importance of setting both short-term and long-term financial goals when creating a budget.
- Tips for keeping a budget on track and adjusting it over time when needs or expenses change.
This seminar helps couples communicate about money matters, offers money and budget saving tips, and helps couples develop a spending plan for their future goals.
This document provides advice on managing personal finances and saving money for the future. It discusses setting financial goals and savings targets. It emphasizes tracking spending to identify areas where money can be saved, such as by cutting unnecessary expenses. The document then outlines steps to create a budget and savings plan, including determining how much to save each month to meet goals. It also discusses choosing a savings account and tips for maintaining financial health long-term, such as paying off debts, saving a portion of income, and building an emergency fund. The overall message is that saving even small amounts regularly can help ensure financial stability and make achieving life goals possible.
Personal Finance Mgt - Investing in a Savings Culture Eenovators Limited
Kenya has a culture of spending rather than saving. Saving requires sacrificing needs and pleasures, but it is never too late to start. Many people make excuses for not saving such as family commitments, but bigger salaries or payoffs will likely lead to bigger spending without a savings culture. Children learn money habits from observing their parents, so developing a savings culture can extend to future generations as well. The document provides tips for starting to save such as budgeting, automating savings, and watching savings grow over time.
Have you always wanted to save but never got to it due to one reason or the other? Well, its never to late or early to start saving. What you do today with your money will determine how fast it will grow.
More and more families are struggling with finances in WA, leading to increase stress. The workshop provided attendees with information and strategies on budgeting, refinancing, and saving money.
This informative and entertaining seminar will show you how to take control of your finances by learning to budget your paycheck - before you spend it.
The document provides tips for making children money wise. It recommends getting children involved in family money matters, opening a bank account for them, and developing good saving habits. Children should understand the importance of saving for emergencies, future goals, and to achieve spending goals. The document also stresses educating children about investing and letting them research investment avenues to help them set financial goals. Overall it promotes including children in financial discussions and decisions from a young age to foster responsible money management skills.
E-learning Personal Finance Management - with design v2 .pptxakinsumboayomide
Basic financial vocabulary
The goal of financial planning
Tools for financial planning and budgeting
Introduction to savings and investments
Overview of lending products
This document discusses balancing saving for retirement and paying for college. It notes that things were different for previous generations who had lower college costs and more robust pensions. While the most expensive option is paying for an Ivy League education, focusing only on retirement means children may have limited college options. The best approach is open communication where both retirement and college are prioritized, including getting children involved in saving for college. Tax-advantaged retirement accounts can be used for college with some pros and cons. 529 plans are also an option after addressing retirement needs. The document provides details on Alabama's 529 plan options.
Personal Management Merit Badge PresentationRobert Casto
This document provides an overview of the Personal Management merit badge presentation by Robert Casto. It outlines the requirements covered, including developing a savings plan for a major purchase, tracking expenses and income in a budget for 13 weeks, and discussing concepts like emotions around money, buyer's remorse, and charitable giving. The presentation encourages participation, asks attendees about their financial experiences, and provides examples and discussions to help scouts complete some of the badge requirements.
Personal management-presentation-160213003155BrandiGilbert1
This document provides an overview of the Personal Management merit badge requirements presented by Robert Casto. It discusses key concepts like budgeting, saving vs investing, common stocks, and different financial vehicles like CDs, savings accounts, and loans. The presentation encourages participation, asks questions to check understanding, and assigns homework requirements like tracking expenses, researching large purchases, and discussing concepts like emotions around money and the impact of advertising. The overall goal is to help Scouts gain financial literacy and life skills for managing their personal finances responsibly as adults.
This document provides information to help parents teach their children smart money habits. It discusses the importance of modeling good financial behaviors, setting an example in spending and saving wisely, and having open conversations about money. Sample budgets are also provided to demonstrate how to help kids track their income and expenses. The goal is to equip children with skills to avoid common financial mistakes and become responsible money managers.
ARE YOU PREPARED TO MEET THE REAL WORLD?leanslodge
The document provides information to help college students prepare for their financial responsibilities after graduation. It discusses common financial challenges graduates face like credit card and student loan debt. It also emphasizes the importance of developing good financial habits like creating a budget and spending plan, paying bills on time, maintaining an emergency fund, and understanding how credit works. The overall message is that graduates need to be financially healthy to successfully manage expenses, debt, and major financial goals after college.
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.
This document provides an overview of saving options for overseas Filipino workers (OFWs). It discusses regular savings accounts that allow flexibility but have low interest rates. Time deposit accounts offer higher interest rates but lock up funds for a set period. Special retirement savings accounts specifically target retirement goals with even higher rates and tax benefits, though early withdrawals face penalties. The document aims to help OFWs strategically save and invest their earnings.
Paul ann baptist church moms group 4 16-12Richard Evans
The document outlines Dave Ramsey's 7 baby steps for getting out of debt and building wealth. The 7 steps are: 1) Save $1,000 emergency fund. 2) Pay off all debt using debt snowball method. 3) Save 3-6 months of expenses. 4) Invest 15% of income into retirement. 5) Save for children's college. 6) Pay off mortgage early. 7) Build wealth and give. Additional sections provide more details on cash flow planning, relating with money, dumping debt, credit reports, finding the right job, and the importance of generous giving.
1. The document outlines key financial considerations and milestones throughout different life stages, from one's 20s through retirement. It discusses saving for emergencies, paying off student loans, investing for retirement and children's education, marriage and home buying, insurance needs, and retirement planning including trusts and estate planning.
2. The benefits of starting to invest and save early are highlighted, as compound interest can significantly increase savings over time. Financial planning is important at each stage to prepare for expenses and protect one's family.
3. Retirement planning involves considering costs of assisted living, a second home, or traveling in retirement. Overall financial wellness requires ongoing management of savings, debt, insurance needs as one progresses through different
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
Best financial planning practices for teenagersCalvin Lee
Teenagers should practice financial planning by budgeting their money, distinguishing between needs and wants, and considering all costs before purchasing expensive items. They can start building wealth by creating an emergency fund of 6-12 months' expenses, purchasing insurance policies, and saving for education. Over time, teens can accumulate more wealth by investing small amounts in stocks and shares while continuing to add to their savings accounts. Financial planning helps teens achieve financial goals.
The document provides information about a budgeting course offered by Salford Advice & Information Network. The course aims to teach skills for managing personal finances and creating a sustainable household budget. It covers topics like understanding income, essential vs non-essential expenses, budget planning tools, emergency savings funds, and adjusting a budget when needed. The goal is for participants to learn how to develop and self-manage a monthly budget tailored to their needs.
This document provides an overview of budgeting concepts including:
- The key components of a budget including income, expenses, and calculating net income or loss. It also distinguishes between fixed and variable expenses.
- Types of income such as earned, portfolio, and gifted/loaned income and how taxes apply.
- The importance of setting both short-term and long-term financial goals when creating a budget.
- Tips for keeping a budget on track and adjusting it over time when needs or expenses change.
This seminar helps couples communicate about money matters, offers money and budget saving tips, and helps couples develop a spending plan for their future goals.
This document provides advice on managing personal finances and saving money for the future. It discusses setting financial goals and savings targets. It emphasizes tracking spending to identify areas where money can be saved, such as by cutting unnecessary expenses. The document then outlines steps to create a budget and savings plan, including determining how much to save each month to meet goals. It also discusses choosing a savings account and tips for maintaining financial health long-term, such as paying off debts, saving a portion of income, and building an emergency fund. The overall message is that saving even small amounts regularly can help ensure financial stability and make achieving life goals possible.
Personal Finance Mgt - Investing in a Savings Culture Eenovators Limited
Kenya has a culture of spending rather than saving. Saving requires sacrificing needs and pleasures, but it is never too late to start. Many people make excuses for not saving such as family commitments, but bigger salaries or payoffs will likely lead to bigger spending without a savings culture. Children learn money habits from observing their parents, so developing a savings culture can extend to future generations as well. The document provides tips for starting to save such as budgeting, automating savings, and watching savings grow over time.
Have you always wanted to save but never got to it due to one reason or the other? Well, its never to late or early to start saving. What you do today with your money will determine how fast it will grow.
More and more families are struggling with finances in WA, leading to increase stress. The workshop provided attendees with information and strategies on budgeting, refinancing, and saving money.
This informative and entertaining seminar will show you how to take control of your finances by learning to budget your paycheck - before you spend it.
The document provides tips for making children money wise. It recommends getting children involved in family money matters, opening a bank account for them, and developing good saving habits. Children should understand the importance of saving for emergencies, future goals, and to achieve spending goals. The document also stresses educating children about investing and letting them research investment avenues to help them set financial goals. Overall it promotes including children in financial discussions and decisions from a young age to foster responsible money management skills.
E-learning Personal Finance Management - with design v2 .pptxakinsumboayomide
Basic financial vocabulary
The goal of financial planning
Tools for financial planning and budgeting
Introduction to savings and investments
Overview of lending products
This document discusses balancing saving for retirement and paying for college. It notes that things were different for previous generations who had lower college costs and more robust pensions. While the most expensive option is paying for an Ivy League education, focusing only on retirement means children may have limited college options. The best approach is open communication where both retirement and college are prioritized, including getting children involved in saving for college. Tax-advantaged retirement accounts can be used for college with some pros and cons. 529 plans are also an option after addressing retirement needs. The document provides details on Alabama's 529 plan options.
Personal Management Merit Badge PresentationRobert Casto
This document provides an overview of the Personal Management merit badge presentation by Robert Casto. It outlines the requirements covered, including developing a savings plan for a major purchase, tracking expenses and income in a budget for 13 weeks, and discussing concepts like emotions around money, buyer's remorse, and charitable giving. The presentation encourages participation, asks attendees about their financial experiences, and provides examples and discussions to help scouts complete some of the badge requirements.
Personal management-presentation-160213003155BrandiGilbert1
This document provides an overview of the Personal Management merit badge requirements presented by Robert Casto. It discusses key concepts like budgeting, saving vs investing, common stocks, and different financial vehicles like CDs, savings accounts, and loans. The presentation encourages participation, asks questions to check understanding, and assigns homework requirements like tracking expenses, researching large purchases, and discussing concepts like emotions around money and the impact of advertising. The overall goal is to help Scouts gain financial literacy and life skills for managing their personal finances responsibly as adults.
This document provides information to help parents teach their children smart money habits. It discusses the importance of modeling good financial behaviors, setting an example in spending and saving wisely, and having open conversations about money. Sample budgets are also provided to demonstrate how to help kids track their income and expenses. The goal is to equip children with skills to avoid common financial mistakes and become responsible money managers.
ARE YOU PREPARED TO MEET THE REAL WORLD?leanslodge
The document provides information to help college students prepare for their financial responsibilities after graduation. It discusses common financial challenges graduates face like credit card and student loan debt. It also emphasizes the importance of developing good financial habits like creating a budget and spending plan, paying bills on time, maintaining an emergency fund, and understanding how credit works. The overall message is that graduates need to be financially healthy to successfully manage expenses, debt, and major financial goals after college.
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.
This document provides an overview of saving options for overseas Filipino workers (OFWs). It discusses regular savings accounts that allow flexibility but have low interest rates. Time deposit accounts offer higher interest rates but lock up funds for a set period. Special retirement savings accounts specifically target retirement goals with even higher rates and tax benefits, though early withdrawals face penalties. The document aims to help OFWs strategically save and invest their earnings.
Paul ann baptist church moms group 4 16-12Richard Evans
The document outlines Dave Ramsey's 7 baby steps for getting out of debt and building wealth. The 7 steps are: 1) Save $1,000 emergency fund. 2) Pay off all debt using debt snowball method. 3) Save 3-6 months of expenses. 4) Invest 15% of income into retirement. 5) Save for children's college. 6) Pay off mortgage early. 7) Build wealth and give. Additional sections provide more details on cash flow planning, relating with money, dumping debt, credit reports, finding the right job, and the importance of generous giving.
1. The document outlines key financial considerations and milestones throughout different life stages, from one's 20s through retirement. It discusses saving for emergencies, paying off student loans, investing for retirement and children's education, marriage and home buying, insurance needs, and retirement planning including trusts and estate planning.
2. The benefits of starting to invest and save early are highlighted, as compound interest can significantly increase savings over time. Financial planning is important at each stage to prepare for expenses and protect one's family.
3. Retirement planning involves considering costs of assisted living, a second home, or traveling in retirement. Overall financial wellness requires ongoing management of savings, debt, insurance needs as one progresses through different
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
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.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
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.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
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.
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.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
5 Tips for Creating Standard Financial ReportsEasyReports
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.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"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.
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Budgeting for Baby
1.
2. Providing For Your Child
If You Want Your Child
To Turn Out Well, Spend
Twice As Much Time With
Them, & Half As Much Money.
Abigail VanBuren
3. Costs Of Raising A Child
First Year Of Life
◦ $11,700 For Shelter, Food,
Clothing & Child Care
To Age 18
◦ $226,920 Average NOT
Including
Pregnancy, Childbirth, Child
Care, College or Inflation.
4. Food Costs
Monthly Food Costs for Family of 4:
(Children 2-3 & 4-5 Years)
Thrifty Low Plan Moderate Liberal
$548.00 $697.50 $861.20 $1067.30
Source: USDA, Jan 2012
5. Child Care Costs
Military Community
Child Care Center (CDC):
Monthly Fees are Based on Total Family Income
Hourly Child Care available
6. Financial Goals
• Short-Term
• 1 month to a year
• Vacation, crib, car seat, paying off credit cards, etc.
• Mid-Term
• 1 year to 5 years
• Purchasing a car, remodeling, etc.
• Long-Term
• 5 years +
• Buying house, saving for college/retirement, etc.
7. Financial Goals
• Write them down!
• What will it cost?
• Don’t forget inflation!
• What is your timeframe?
• Set a due date
• Prioritize by importance
• Track your progress
10. Tips for Budgeting
• Track your spending
• Cut your expenses
• Review monthly
• Use Financial
Software
• Quicken, Money,
Mint.com, etc.
11. Budgeting For Baby
$Determine “Needs” vs. “Wants”
$Consider Second-Hand Items
$Cut Your Expenses, But Don’t Try
To Cut Back On Food
$Update your W-4 through MyPay
$Don’t Use Debt!
$One Income Trial Run
13. Doing Without A Little Now….
Can Gain A Lot More Later On ….
• Lunch: $6/day $243,741
• Smoking: $5/day $257,157
• Manicures: $8/week $59,023
• 6-pack a week: $20/mon $147,552
• Based upon taking the money for 30
• years and investing at 9%
13
14. Things to Avoid
Music/Book Clubs
Work At Home Schemes
Rent-To-Own Furniture/Appliances
Large Whole Life Insurance
Extended Warranties
Having the best of everything for the
baby
15. Things to Avoid
Consumer Scams
Social Security Scams
Child Genius Scams
Modeling & Photography Scams
16. Things To Do Before and
After Baby Arrives...
- Create or Update Your Wills (Update DD93/SGLI)
- Re-Examine Your Health & Life Insurance Needs
- Change Bad Habits Before Baby Arrives
- Emergency Fund!!!
- Get Social Security Number
17. Prepare for the Unexpected
KEEP AN EMERGENCY FUND
• What Is an Emergency?
• How Much Should You Keep on Hand?
• Emergency Money Needs to Be Easily
Accessible
• Savings Account
• Money Market Accounts
18. Looking Ahead to College:
• Saving for your own retirement is more
important than saving for college
• The sooner you start saving the better
• You don’t have to save the entire cost of
four years of college
18
19. Avoid Scams
Create Goals
Make a Budget
Enjoy Becoming a Parent!
Editor's Notes
Congratulations! This is an exciting time for you. It can also be a little scary as you move into the next phase of your life from couple to FAMILY. Marketing campaigns capitalize on the emotions of parents-to-be, convincing them that this joyous occasion cannot be successful without costing a small fortune. Today we’ll talk about ways to save money preparing for this wonderful event. We’ll cover costs, budgeting and some financial traps to avoid.
We hear “quality” time is more important that the “quantity” of time when raising children. Things can never replace time and love. Would you tell your boss “I’m not going to work the whole 40 hours this week, but the time I do work I will give you the best quality”. It wouldn’t work on your boss and your children won’t buy it either.
The average cost of raising a child from birth to age 18 increased from $170,460 in 2001 to 226,920 in 2011. (There are 7 main categories which the USDA uses to calculate cost: housing, food, transportation, clothing, health care, child care, education and misccellaneous goods and services.)
The average annual food cost ranges from $6576.00 to $12807.60 . Breastfeeding will save about $40 per week and about $2,000 per year in formula and bottles. Breast feeding can certainly minimize that expense but there are some hidden costs associated with breastfeeding. For example, you may need to purchase or rent a breast pump, an essential for moms who work outside the home. Nursing bras and breast pads are also common expenses. Formula: The cost of formula shocks just about every new parent. The general rule of thumb is that a baby needs about 2.5oz of formula per pound of body weight per day. Powder formula is less expensive than liquid. All of it is regulated by the FDA so generic is o.k. Sign up for free clubs at Dr.’s office, drug stores, supermarkets. Look for coupon websites or contact manufacturers directly for coupons and discounts. Food Program for Women, Infants and Children (WIC). WIC is a nutrition program that assists mothers and children under the age of 5 to eat healthy. Women who are pregnant or breastfeeding, infants and children under 5 who meet the income guidelines and have a nutritional need receive nutrition education, free nutrition check-ups, support with breastfeeding, health care referrals, healthy recipes and access to healthy foods. www.mypyramid.gov : nutrition information on website. Also has an annual cost of raising a child calculator.
Fairfax County – average child care rates – weekly Infant - $185 - $210 (Family Child care provider) and $269 - $296 (child care centers) 2008 costs: According to the National Association of Child Care Resources & Referral Agencies (NACCRRA), (naccrra.org/militaryPrograms/) daycare costs for babies and toddlers in the United States range from $4,388 - $14,647 per year ($366 -$1,211 monthly). The costs go down as the children get older. The child/caregiver ratio is higher. Baby & Toddler care - Washington DC - $11,000 per year ($917 a month). Most expensive states for pre-school age children, in order: Washington DC, Massachusetts, New York, Minnesota, Oregon, Connecticut, Washington, New Jersey. Check into putting your childcare money into a pre-taxed account called a Dependent Care Pre-Tax Expense Account.
Most people who have money didn't get it overnight. They set goals and worked hard to reach them. Financial goals take planning, patience and a willingness to work hard. They require discipline and, sometimes, changes to your lifestyle. There are three types of goals: Short-term goals. These are goals you'll set and accomplish within one month to one year . Goals can include birthday gifts, holiday gifts, taking a family vacation, paying off a credit card or buying household appliance. Mid-term goals. These are goals you'll set and accomplish within one to five years . Goals can include paying off all your credit cards, purchasing a new car, remodeling your kitchen or saving for orthodontic work for your children’s teeth. Long-term goals. These are goals you'll set that will take five years and longer to accomplish. Goals can include buying a new house, saving for a child's education (college or trade school) or saving for retirement.
Tips for achieving goals: Write down your goals. This makes you responsible for them! Figure out what the goal will cost…this may be easy for short-term goals, but for long-term goals, you may seek the help of a financial professional or financial software. Set due dates for attaining your goals. Be realistic. (Don't increase financial stress in your life when setting goals and dates.) Be flexible. (It's okay to adjust your goals and strategies.) Remember to prioritize your goals, focusing on the most important ones first. It’s ok to have more than one financial goal, just remember that you will only have some much money to put towards each one. Putting a little bit of money towards a lot of goals may not be as effective as putting all or most of your money toward your most important goal, and then focusing on the other goals once you achieve it. Review your goals. (Go back and look at your goals at least every six months to check your progress.)
We live in a society that has taught us to "buy now, pay later." This method has caused some consumers to overspend and become knee-deep in debt. You need to take control of your spending and realize that your financial situation can be improved with proper budgeting. Unless you're tracking your money, it's probably not going where you really need and want it to go. A household budget is a spreadsheet that shows you the flow of money in your everyday life. A budget can help you determine where you are overspending as well as help you adjust bad spending habits. A budget is comprised of four areas: Net Income. Includes your salary, wages, child or alimony support, Social Security, pension, investment earnings, etc. Net income is the amount you bring home after deductions (such as taxes, insurance, pension contributions). Net income is used to maintain a household budget, which pays all your living expenses and debts in your everyday life. Living Expenses. Includes your food, utilities, insurance (auto, life and health), education, gasoline, personal care, child support, charitable contributions, entertainment, etc. Secured Debts. Includes your rent or mortgage payment, student loans, auto payments, past-due taxes and other secured debts and loans. Unsecured Debts. Includes your credit cards, department store cards, medical bills, bank and personal loans. The amount of money that is left over is your disposable income. If the number is negative, then you have a deficit and you may want to seek the advice of a financial professional. When you prepare a household budget, you can predict monthly net income and monthly living expenses. When you subtract monthly living expenses from monthly net income, you can monitor your cash flow. Understanding your cash flow will help you see how much "disposable net income" you have left over each month to save toward your financial goals.
Tips to budgeting: Track your spending; The most common and simple way to track spending is to take a piece of paper (or use a computer) and write down all your monthly living expenses and other monthly bills. Based on your monthly net income, you should set "target amounts" per expense (such as $200 for food, $100 for entertainment, etc.). By setting target amounts, you can monitor where you are overspending each month. Overspending leads to financial problems. Look for expenses to cut back on. Each month review your expenses. By doing this, you'll be able to see where overspending is occurring and adjust it accordingly. Use this information to set a monthly budget that includes putting money aside for savings. Get in the habit of "paying yourself first" by establishing a savings account. This will allow you to set aside money for emergencies and other financial needs. Using financial software such as Quicken or Money makes it easier to create a budget and track spending.
Need: crib, clothing, blankets Want: Nursery Suite, designer clothes, custom bedding Second Hand Items: use caution and keep safety in mind. Check for recalls, broken parts, safety standards, lead paint. Check out second hand stores, yard sales, eBay ( two items you don’t want second hand: Cribs & Car seats ) Look at your budget. Once baby arrives you’ll have more expenses. Try and find where you can cut back so you can balance your budget. Update W-4 check on irs.gov, withholding calculator (series of questions & will figure out what you’ll need to pay in for 2010). Child Tax Credit: $1,000 per child Do NOT charge items. Pay cash or use gift cards. You don’t need everything now!!! Check into putting your childcare money into a pre-taxed account called a Dependent Care Pre-Tax Expense Account. If one parent is thinking of leaving the workplace to care for the baby at home, experiment with living on one income to see how feasible it is. Put the second income into savings for child-related expenses. Think twice before buying a new minivan or SUV just because you’re having a baby. Consider payments, insurance and gas ie. Trading a paid sedan for a luxury SUV not the best move!
Remember: You don’t need everything right now & your baby can’t read labels so they don’t really care if it is designer. Ellie Kay, Military Spouse & author of “Living Rich For Less” suggests 3 ways to approach purchases: Spend you money on the necessities your baby needs. Be conservative when you buy items your baby will grow out of quickly. Take advantage of opportunities to use hand me downs. Buy in bulk. Make own baby food. Save now, wear later (after season sales). Don’t fall victim to marketing. Borrow for your baby (friends & family). Spend money where it matters – car seats & cribs Pick few key pieces – high quality, blend easily, classics. Convertible cribs – pay more now, but can use as toddler through full size. Fads come and go, spend less money on décor that will change as child grows. Safety first – some accessories – dangerous Give old pieces a new life (dressers, rocking chairs) - paint
These are examples of money makers for companies and rarely benefit the customer. Music/Book Clubs: tend to have extra fees, minimum purchase requirement, short return times. Work at Home: the ad says “you can make lots of money working from the comforts of your home”. If this were true, wouldn’t we all be working from home? Operating a home-based business is just like any other business--- it requires hard work, skill, good products or services and time to make a profit. Many of these companies will only sell you training and materials to find customers. Others try to con you with offers to send you an “advance” on your pay then thru a series of manuvers you end up owing the bank money. Remember, if it sounds to easy or to good to be true, it probably is. Rent-to-Own: ads are misleading. Here is an example “ How would you like to rent a new television for as low as $15?”--- sounds great doesn’t it? What if the ad said you can get a $400 TV for $1200--- that doesn’t sound as good does it? The final price has little to do with the cost a nd a lot to do with the # of payments. Somewhere in the fine print you will find the total cost. In our example, if you agree to pay $15/wk for 18mon, that $400 TV will cost you $1,170 (78 x 15). Term Insurance is better than Whole Life. You don’t need life insurance for babies. Extended Warranties: are bad deals because (1)some repairs are covered by the standard manufacturer warranty that comes with the product; (2) products seldom brak within the extended warranty window- after the standard warranty has expired but within the typical 2-3 yrs of purchase; (3) when electronics and appliances do break, the repairs, on average, cost about the same as an extended warranty (so there is no cost savings); (4) quite often the parts that tend to break aren’t covered by the extended warranty
When you’re pregnant, the offers start to appear like magic, It seems like the telemarketers and con men know you’re expecting almost as soon as you do. Everyone has something to sell to make your baby smarter, healthier or safer than the other babies. Deals that sound to good to be true probably are. Social Security Scams: Fraudulent agencies with official sounding names offer to handle the clerical details of getting a SSN for your baby for a fee of about $15. What do you get? The company fills out the application, returns it to you and tells you to take it to your nearest SS office. Getting a SSN for your child is free. Most hospitals offer to submit a SSN application to the SSAdministration when they process the information for a birth certificate– for free Watch for e-mails or letters that say your baby is eligible to recieve refunds from manufacturers of baby food, formula or other children’s products as part of a lawsuit settlement. All they need to process the refund is your child’s SSN. Nothing beats simple human interaction to increase brain development in that critical 0-3yr old period. Instead of buying gadgets and gimmicks, put the money into a college savings plan. Modeling & Photography Scams: A legitimate agency doesn’t ask for upfront fees, they take their own photos. Unless you’re in a big city like NY or LA there isn’t enough work to bring in the “big bucks”. Watch out for photo specials that require pre-payment for a lot of sittings. Companies that have these long-term contracts cont on the fact that most parents won’t come back for all the sittings.
Identify a guardian of your child and a trustee for child’s inheritance – go to legal. Health care coverage – make sure it covers well baby check ups. Don’t forget to add the baby to your policy within 30 days. Life Insurance coverage – should be 5 – 10 times your annual salary. Term insurance is the best.
Ask what they think is an emergency? Add examples that aren’t and question them. Need at least $1,000. Average AER (Army Emergency Relief) loan is about $1,000. Should have 3 – 6 months of expenses saved. In today’s economy, more like 6 – 9 months. When you reach $1000, raise your goal to one month’s expenses. Then raise it to three months’ expenses and so on. Specific things that you can do to move towards your goal: Set up an automatic transfer from checking to savings on your payday. Make it large enough to be a little painfull initially, but not so much that you can’t stick with it. Take a one-month spending vacation. Don’t buy anything that’s not absolutely necessary. Put all of your extra money at the end of the month into your emergency fund. Have a garage sale or sell your stuff on Craigslist or eBay. Some people can generate the $1,000 from this alone. After a raise, calculate how much extra you will get on your first check after the raise, and increase your automatic transfer to your emergency fund by that amount. Don’t increase your spending. Write down all of your expenses for an entire month. Then, pick at least two to eliminate or reduce.
Avoid Scams Create Goals Make a Budget Take a deep breath and enjoy! This is a wonderful time in your lives. Good Luck!