This document provides information on budgeting and financial goals. It discusses developing a personal budget by calculating monthly income, tracking daily spending habits, determining monthly expenses, and preparing a spending plan. The objectives are to learn how to manage money by setting financial goals, preparing a budget, and finding ways to decrease expenses and increase income. Key steps involve being realistic with goals, setting timeframes, considering constraints, and ensuring monthly income exceeds expenses. Tracking tools like spending diaries can help identify where money is going. Maintaining a positive net worth by paying bills and managing debt is also covered.
Smart Directions | Bonds & Annuities | March 17, 2016emmetoneallibrary
Dr. Rauterkaus presents information about Bonds & Annuities in the latest installment of Emmet O'Neal Library's Smart Directions series, sponsored by ALA and FINRA.
Asset allocation is an investment strategy. It helps to keep a balance between risk and return of any particular asset class. Asset allocation refers to investing a certain percentage of your investible surplus in respective asset classes, such as equity, debt, gold and real estate. Read to understand asset allocation in detail.
Smart Directions | Bonds & Annuities | March 17, 2016emmetoneallibrary
Dr. Rauterkaus presents information about Bonds & Annuities in the latest installment of Emmet O'Neal Library's Smart Directions series, sponsored by ALA and FINRA.
Asset allocation is an investment strategy. It helps to keep a balance between risk and return of any particular asset class. Asset allocation refers to investing a certain percentage of your investible surplus in respective asset classes, such as equity, debt, gold and real estate. Read to understand asset allocation in detail.
Developing an Asset Allocation Strategy and the Military Familymilfamln
This webinar discusses asset allocation, diversification and strategies to implement an individualized investment plan https://learn.extension.org/events/1715
Home Equity Diversification Plan
This long term investment strategy uses the popular 'smith manouver' technique to make your Mortgage interest tax deductible. It uses the power of dollar cost averaging and leveraging to potentially amplify gains over the long term. This strategy is Long-Term and not for the risk adverse.
Very few of us are coached to be financially smart and create assets during early stage of our careers. That results in weak financial positions 5 years or 10 years into our careers. In this presentation I share simple tips to keep financial health and create assets as we progress in our careers
Smart Directions: The Banking System and Federal Reserve 11/5/2015emmetoneallibrary
The first in a new series of Smart Investing programs available at the Emmet O'Neal Library, funded by the American Library Association and the Financial Industry Regulatory Authority.
Smart Directions | Ethical Investing | April 14, 2016emmetoneallibrary
Dr. Rauterkaus presents information about Ethical Investing in the latest installment of Emmet O'Neal Library's Smart Directions series, sponsored by ALA and FINRA.
Developing an Asset Allocation Strategy and the Military Familymilfamln
This webinar discusses asset allocation, diversification and strategies to implement an individualized investment plan https://learn.extension.org/events/1715
Home Equity Diversification Plan
This long term investment strategy uses the popular 'smith manouver' technique to make your Mortgage interest tax deductible. It uses the power of dollar cost averaging and leveraging to potentially amplify gains over the long term. This strategy is Long-Term and not for the risk adverse.
Very few of us are coached to be financially smart and create assets during early stage of our careers. That results in weak financial positions 5 years or 10 years into our careers. In this presentation I share simple tips to keep financial health and create assets as we progress in our careers
Smart Directions: The Banking System and Federal Reserve 11/5/2015emmetoneallibrary
The first in a new series of Smart Investing programs available at the Emmet O'Neal Library, funded by the American Library Association and the Financial Industry Regulatory Authority.
Smart Directions | Ethical Investing | April 14, 2016emmetoneallibrary
Dr. Rauterkaus presents information about Ethical Investing in the latest installment of Emmet O'Neal Library's Smart Directions series, sponsored by ALA and FINRA.
Budgeting and Savings with ING Driect and ACCION USAACCION East
Make sure to look out for the next workshop that ACCION and ING wil host at http://www.accionusa.org/home/small-business-loans/financial-education-resources/workshop-calendar.aspx
In this Webinar, participants will learn about:
– Balancing rising costs and a limited budget
– Eating healthily, food banks, other resources in your community
– Budget formats that work for cancer patients
– Money management
– Debit and credit management
– Credit counselling
– Consumer protection
This PPT is on creating personal financial plan. Also ideas on creating wealth and also various avenues of investments. This ppt is based on investment options available in India
Finance Knowledge, Finance is a broad field that encompasses many aspects of personal and business management. Having basic financial knowledge can help you make informed decisions and ensure a more stable financial future. In this article, we’ll cover the essentials of finance for beginners.
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
Barton Associates Locum Tenens Tax Guide Webinar Slide DeckJess Huckins
How can you make filing your taxes as an independent contractor as easy as possible? How will tax reform affect your locum tenens career in the years to come? Barton Associates’ locum tenens tax guide author and healthcare tax expert Andrew D. Schwartz, CPA, addressed these questions and more in our recent webinar. Here is the slide deck.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
The Indian economy is classified into different sectors to simplify the analysis and understanding of economic activities. For Class 10, it's essential to grasp the sectors of the Indian economy, understand their characteristics, and recognize their importance. This guide will provide detailed notes on the Sectors of the Indian Economy Class 10, using specific long-tail keywords to enhance comprehension.
For more information, visit-www.vavaclasses.com
We all have good and bad thoughts from time to time and situation to situation. We are bombarded daily with spiraling thoughts(both negative and positive) creating all-consuming feel , making us difficult to manage with associated suffering. Good thoughts are like our Mob Signal (Positive thought) amidst noise(negative thought) in the atmosphere. Negative thoughts like noise outweigh positive thoughts. These thoughts often create unwanted confusion, trouble, stress and frustration in our mind as well as chaos in our physical world. Negative thoughts are also known as “distorted thinking”.
2. Disclaimer Andreas Rauterkus is not a registered investment advisor or broker/dealer. Readers are advised that the material contained herein should be used solely for informational purposes. Andreas Rauterkus does not purport to tell or suggest which investment securities attendants should buy or sell for themselves. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.
3. Objectives What is a financial goal? Learn how to track daily spending habits Prepare personal spending plan Estimate monthly income and expenses Find ways to decrease spending and increase income Discover budgeting tools to help you manage your money
4. Financial Goals Be realistic Be specific Have a time frame Include a dollar amount State the action to betaken Set milestones
5. Time Horizons Short Term Financial activities that occur within the next year Medium Term Can be anywhere from one to five years or even ten years Generally, the “not-so distant” future Long Term Far out in the future E.g. retiring comfortably
6. Constraints Obstacles in the way of the pursuit of the financial goal Personal Economic Governmental “Expect the unexpected”
7. Develop a budget Calculate your monthly income Track you daily spending Determine spending on monthly bills Find ways to decrease spending and increase income Create a monthly budget
8. Calculate Monthly Income Gross versus Net Income Gross income – deductions = Net income Federal Income Tax Withholdings Must complete Form W-4 to specify tax withholdings If you do not fill out a form W-4 you will most likely overpay on your taxes
9.
10. Social Security and Medicare Taxes Employers have to withhold social security and Medicare taxes from your wages Your wages up to a limit are subject to social security taxes ($106,800 in 2011) The rate is 4.2% Max. contribution: $4,485.60 All of your wages are subject to Medicare tax The rate is 1.45%
12. Tracking Daily Spending Habits Track your expenses to avoid overspending Try to keep spending within certain ranges for specific categories Housing expenses 30% Household expenses 30% Other bills 30% Long-term savings 5% Emergency savings 5%
16. Determine Monthly Expenses Expenses are items you spend money on each month Fixed expenses Do not change from month to month E.g. car payments, car insurance, rent Variable expenses Might change from month to month E.g. utilities, miscellaneous expenses
17. Prepare a Budget List your monthly income and expenses Net income needs to exceed expenses If not, go back and revise budget until you achieve a positive net income
18. If you can’t pay your bills Pay your rent and mortgage first Pay your necessary expenses next If you have trouble paying off your loans: Pay off loans with the highest interest rates Talk to your creditors
19. Personal Financial Statement Create a financial statement to track your financial condition A personal balance sheet is called a statement of net worth List all of your assets and liabilities The difference between assets and liabilities is your net worth A negative net worth is not a sustainable financial condition