Financial planning has two fundamental building blocks involved with it. These are saving and budgets. If you aren't paying yourself first, how can you expect to construct a financial plan?
The document provides guidance on personal finance and investing principles. It discusses ten principles of successful investing including knowing your goals and risk tolerance, diversifying your portfolio, investing for the long-term in a tax-efficient manner, and developing and following an investment plan. It also reviews the major asset classes and their historical risk and return profiles to help investors understand appropriate investments for different risk tolerances and time horizons.
What is a conservative investor and what can they expect when they invest? These are two questions that advisors and investors seem to have different answers for.
The document discusses spiritual hunger and righteousness. It defines spiritual hunger as a rational appetite for that which is suitable to the soul. True spiritual hunger is blessed, as it shows one is alive in Christ and follows the new birth. There are two types of righteousness: imputed, through Christ's perfect righteousness; and implanted, the inherent graces of the spirit. The document examines signs of spiritual hunger and lack thereof, and encourages developing an appetite for righteousness through avoiding hindrances and engaging in spiritual disciplines like prayer and enduring affliction.
18 years
Wife: 25 years
3. Expected income growth rate: 10%
4. Inflation rate: 7%
5. Life expectancy: 80 years
Calculation:
1. Current annual income: Rs. 6,00,000
2. Income after 18 years (when child becomes independent): Rs. 16,00,000 (considering 10% annual growth)
3. Income needed after 18 years adjusted for inflation: Rs. 35,00,000 (considering 7% annual inflation)
4. Number of years of income needed after child becomes independent: 62 years (80 years - 18 years)
5. Total income needed: Rs. 35,00,000
Easy Life personal finance software is finance software to help Indian investors manage their investment portfolio on one platform anytime, anywhere. Now, also available on Android and iOS phones.
This document provides an introduction and overview of a study on individual investor behavior in India. It discusses the importance of savings and investment. The objectives of the study are to understand investors' preferences, perceptions, and profiles. It will analyze different investment avenues and factors considered by investors. Both primary data collected through surveys and secondary sources will be used. The study aims to provide value to investors by increasing awareness of options and helping financial institutions design better products. However, it faces limitations due to the large number of financial instruments and potential bias or lack of knowledge from respondents.
Financial planning process 3 powerpoint presentation templates.SlideTeam.net
The document describes a 5-step financial planning process:
Step 1 involves understanding the client's personal circumstances. Step 2 is to design the financial strategy. Step 3 is to produce and present a statement of advice. Step 4 is to implement the recommendations. Step 5 is to continuously review and monitor the client's finances.
The document provides guidance on personal finance and investing principles. It discusses ten principles of successful investing including knowing your goals and risk tolerance, diversifying your portfolio, investing for the long-term in a tax-efficient manner, and developing and following an investment plan. It also reviews the major asset classes and their historical risk and return profiles to help investors understand appropriate investments for different risk tolerances and time horizons.
What is a conservative investor and what can they expect when they invest? These are two questions that advisors and investors seem to have different answers for.
The document discusses spiritual hunger and righteousness. It defines spiritual hunger as a rational appetite for that which is suitable to the soul. True spiritual hunger is blessed, as it shows one is alive in Christ and follows the new birth. There are two types of righteousness: imputed, through Christ's perfect righteousness; and implanted, the inherent graces of the spirit. The document examines signs of spiritual hunger and lack thereof, and encourages developing an appetite for righteousness through avoiding hindrances and engaging in spiritual disciplines like prayer and enduring affliction.
18 years
Wife: 25 years
3. Expected income growth rate: 10%
4. Inflation rate: 7%
5. Life expectancy: 80 years
Calculation:
1. Current annual income: Rs. 6,00,000
2. Income after 18 years (when child becomes independent): Rs. 16,00,000 (considering 10% annual growth)
3. Income needed after 18 years adjusted for inflation: Rs. 35,00,000 (considering 7% annual inflation)
4. Number of years of income needed after child becomes independent: 62 years (80 years - 18 years)
5. Total income needed: Rs. 35,00,000
Easy Life personal finance software is finance software to help Indian investors manage their investment portfolio on one platform anytime, anywhere. Now, also available on Android and iOS phones.
This document provides an introduction and overview of a study on individual investor behavior in India. It discusses the importance of savings and investment. The objectives of the study are to understand investors' preferences, perceptions, and profiles. It will analyze different investment avenues and factors considered by investors. Both primary data collected through surveys and secondary sources will be used. The study aims to provide value to investors by increasing awareness of options and helping financial institutions design better products. However, it faces limitations due to the large number of financial instruments and potential bias or lack of knowledge from respondents.
Financial planning process 3 powerpoint presentation templates.SlideTeam.net
The document describes a 5-step financial planning process:
Step 1 involves understanding the client's personal circumstances. Step 2 is to design the financial strategy. Step 3 is to produce and present a statement of advice. Step 4 is to implement the recommendations. Step 5 is to continuously review and monitor the client's finances.
Consumption refers to the final purchase of goods and services by individuals. It is an important economic concept that helps determine economic growth. Consumption is affected by factors like income, prices, taxes, and savings.
Keynesian theory states that current real income is the most important determinant of short-term consumption. Savings means consuming less now to consume more later. It differs from investment, which economists define as additions to real capital assets. There are various types of savings like personal savings and national savings.
Investment refers to committing money or acquiring property to generate future income. Traditional investments include assets like bonds, real estate and shares. Alternative investments comprise things like hedge funds and commodities. Investment decisions consider the expected
This document discusses personal finance concepts related to earning, spending, saving, and borrowing. It explains that earning involves gaining money through work or owning a business, and career choices, employment opportunities, and ability to advance affect lifetime earnings. Spending involves using money to purchase goods and services, and responsible spending involves planning and considering opportunity costs. Saving puts money aside for future needs and has benefits like providing for emergencies or earning interest. Borrowing obtains money now in exchange for future repayment, and should only be done for amounts that can be realistically repaid. The document emphasizes making responsible financial choices in light of considerations like career impacts, trade-offs, savings benefits, and borrowing obligations.
This document outlines topics that will be covered in a financial planning course, including how to plan an investment portfolio, understand assets and liabilities, ensure adequate insurance coverage, learn about different asset classes and risk appetite, plan for post-retirement income and children's education, relate investments to goals, and achieve financial peace and happiness. It also discusses concepts like the new economy, goal setting, overcoming challenges, and inverting the savings equation from expenses-focused to savings-focused.
This document provides an overview of key concepts related to investment including what investment is, the needs it fulfills, inflation and how it impacts returns, different asset classes and their typical returns, golden rules of investing, steps to take when investing, interest rates and factors that influence them, short-term and long-term financial investment options like savings accounts, fixed deposits, mutual funds, shares, bonds, derivatives and more. The document aims to educate readers on fundamental investment principles.
The document outlines the 4 main steps of financial planning:
1. Determine your current financial situation by calculating your net worth and analyzing cash flow
2. Set financial goals both short, medium, and long-term which include paying off debt, saving for retirement and children's education
3. Develop a financial plan that is flexible, provides liquidity, and minimizes taxes
4. Monitor your progress towards goals by regularly reviewing your budget, investment returns, taxes, inflation, and making adjustments if needed.
The document discusses basic financial planning and outlines several key areas to consider including medical protection, savings, investments, and long-term protection for death, disability, critical illness, personal accident, hospitalization, surgery, and long-term care. It notes the importance of considering time orientation versus goal orientation for savings and investments, as well as risk appetite, when planning finances.
The document discusses stress, its causes and effects on the body. It defines stress as the body's response to any physical or emotional changes, which includes increased heart rate and blood flow to muscles. Stress can be positive in moderation but chronic stress from issues like family problems, health, or financial difficulties over long periods is very harmful. The signs of stress include physical, emotional, mental and behavioral changes. Ways to manage stress discussed include being organized, assertive communication, time management, social support, relaxation techniques, and cognitive behavioral therapy.
This document provides information on consumption, investment, and savings functions. It defines consumption as the use of goods and services by households. Investment is expenditures on capital goods for future income generation. Savings are disposable income left over after consumption expenditures. The document discusses consumption and investment functions, which relate these variables to income. It also outlines factors that determine consumption, investment, and savings like income, interest rates, and expectations. The document concludes with a case study comparing consumption functions in India and Iran.
This document discusses stress management and provides strategies for coping with stress. It defines stress and outlines its causes such as life events, work, and lifestyle factors. The physical and psychological symptoms of stress are described. The document also explains how the body's stress response system works and covers strategies for managing stress through changing one's thinking, behavior, and lifestyle habits like diet, exercise, and relaxation techniques. Alternative therapies for reducing stress are also mentioned.
This module discusses investment planning. It begins by explaining the importance of investment planning in the overall financial planning process. It then covers types of investment products and their associated risks and returns. The module discusses how to evaluate investment choices based on a client's goals and needs. It also explains how to create, monitor, and rebalance client portfolios over time. The module teaches how to recommend an appropriate investment portfolio for a client. It emphasizes that higher potential returns generally come with higher risks. Throughout, the module focuses on balancing risks and returns for clients based on their individual risk tolerance and time horizons.
Normally people think financial goals require a high salary or wealth, but financial planning can achieve goals. Financial planning involves managing current resources through disciplined investing in options to achieve financial goals. It considers resources, investment options, and goals. A financial planner analyzes the situation, recommends an asset allocation plan, and monitors it over time to achieve the client's changing needs and opportunities.
The document discusses options for retirement savings and college savings. It notes that stopping retirement contributions for one or two years could provide $17,000-$34,000 but is risky as one must be disciplined to restart contributions. It also states that student loans can be used for college but not retirement, so saving for retirement should take priority. The document cautions that 529 plans and custodial accounts have pros and cons for college savings.
Knowing what you spend monthly seems like a simple concept. How much money does it take for you to live comfortably each month? So many investors don't know this. If you don't follow simple financial planning concepts like monthly budgeting, then how do you expect to successfully save money?
The podcast discusses Mullooly Asset Management's approach to investing which uses short, intermediate, and long term indicators together like a "dimmer switch" to determine when to buy and sell investments. This "dimmer switch" method helps avoid being too bullish at market tops or too defensive at market bottoms. The podcast also cautions listeners to consult their investment advisor before making decisions based on the podcast.
This podcast discusses fiduciary obligations and who has them. A fiduciary obligation requires recommendations to be both suitable and prudent, while brokers only need recommendations to meet a presumption of suitability. The podcast warns listeners not to rely on it alone for investment advice and to consult an advisor before making investment decisions.
The document discusses the differences between open-end and closed-end funds. It outlines the three primary types of open-end funds: front-end funds, back-end funds, and low-level load funds. It describes the two main fees built into funds as management expenses and sales charges. It provides examples of how fees work for each type of open-end fund. The document cautions that returns stated as net of fees and expenses may not fully reflect the impact of fees depending on the example.
Don't hire the next Bernie Madoff! There are plenty of red flags to be on the alert for when meeting new investment advisors. Ask plenty of questions and make sure you feel comfortable before making a decision.
Tom gets into a recent tweet by radio personality Dave Ramsey. He claims that saving a million dollars for retirement is feasible, and in fact simple. The main message of his tweet was to save more money!
Learn about the three kinds of annuities. The three kinds are immediate annuities, fixed annuities, and variable annuities. There are some serious questions you should be asking before getting involved with any annuity. Learn about them in this presentation.
Wondering whether you should invest with a discount brokerage firm or a full-service firm? This presentation outlines what you can expect from both discount brokers and full-service brokers.
Rebalancing because the calendar has reached a specific date is not the best approach when it comes to growing your assets. Rebalancing according to what changes are currently happening in the market makes much more sense.
Consumption refers to the final purchase of goods and services by individuals. It is an important economic concept that helps determine economic growth. Consumption is affected by factors like income, prices, taxes, and savings.
Keynesian theory states that current real income is the most important determinant of short-term consumption. Savings means consuming less now to consume more later. It differs from investment, which economists define as additions to real capital assets. There are various types of savings like personal savings and national savings.
Investment refers to committing money or acquiring property to generate future income. Traditional investments include assets like bonds, real estate and shares. Alternative investments comprise things like hedge funds and commodities. Investment decisions consider the expected
This document discusses personal finance concepts related to earning, spending, saving, and borrowing. It explains that earning involves gaining money through work or owning a business, and career choices, employment opportunities, and ability to advance affect lifetime earnings. Spending involves using money to purchase goods and services, and responsible spending involves planning and considering opportunity costs. Saving puts money aside for future needs and has benefits like providing for emergencies or earning interest. Borrowing obtains money now in exchange for future repayment, and should only be done for amounts that can be realistically repaid. The document emphasizes making responsible financial choices in light of considerations like career impacts, trade-offs, savings benefits, and borrowing obligations.
This document outlines topics that will be covered in a financial planning course, including how to plan an investment portfolio, understand assets and liabilities, ensure adequate insurance coverage, learn about different asset classes and risk appetite, plan for post-retirement income and children's education, relate investments to goals, and achieve financial peace and happiness. It also discusses concepts like the new economy, goal setting, overcoming challenges, and inverting the savings equation from expenses-focused to savings-focused.
This document provides an overview of key concepts related to investment including what investment is, the needs it fulfills, inflation and how it impacts returns, different asset classes and their typical returns, golden rules of investing, steps to take when investing, interest rates and factors that influence them, short-term and long-term financial investment options like savings accounts, fixed deposits, mutual funds, shares, bonds, derivatives and more. The document aims to educate readers on fundamental investment principles.
The document outlines the 4 main steps of financial planning:
1. Determine your current financial situation by calculating your net worth and analyzing cash flow
2. Set financial goals both short, medium, and long-term which include paying off debt, saving for retirement and children's education
3. Develop a financial plan that is flexible, provides liquidity, and minimizes taxes
4. Monitor your progress towards goals by regularly reviewing your budget, investment returns, taxes, inflation, and making adjustments if needed.
The document discusses basic financial planning and outlines several key areas to consider including medical protection, savings, investments, and long-term protection for death, disability, critical illness, personal accident, hospitalization, surgery, and long-term care. It notes the importance of considering time orientation versus goal orientation for savings and investments, as well as risk appetite, when planning finances.
The document discusses stress, its causes and effects on the body. It defines stress as the body's response to any physical or emotional changes, which includes increased heart rate and blood flow to muscles. Stress can be positive in moderation but chronic stress from issues like family problems, health, or financial difficulties over long periods is very harmful. The signs of stress include physical, emotional, mental and behavioral changes. Ways to manage stress discussed include being organized, assertive communication, time management, social support, relaxation techniques, and cognitive behavioral therapy.
This document provides information on consumption, investment, and savings functions. It defines consumption as the use of goods and services by households. Investment is expenditures on capital goods for future income generation. Savings are disposable income left over after consumption expenditures. The document discusses consumption and investment functions, which relate these variables to income. It also outlines factors that determine consumption, investment, and savings like income, interest rates, and expectations. The document concludes with a case study comparing consumption functions in India and Iran.
This document discusses stress management and provides strategies for coping with stress. It defines stress and outlines its causes such as life events, work, and lifestyle factors. The physical and psychological symptoms of stress are described. The document also explains how the body's stress response system works and covers strategies for managing stress through changing one's thinking, behavior, and lifestyle habits like diet, exercise, and relaxation techniques. Alternative therapies for reducing stress are also mentioned.
This module discusses investment planning. It begins by explaining the importance of investment planning in the overall financial planning process. It then covers types of investment products and their associated risks and returns. The module discusses how to evaluate investment choices based on a client's goals and needs. It also explains how to create, monitor, and rebalance client portfolios over time. The module teaches how to recommend an appropriate investment portfolio for a client. It emphasizes that higher potential returns generally come with higher risks. Throughout, the module focuses on balancing risks and returns for clients based on their individual risk tolerance and time horizons.
Normally people think financial goals require a high salary or wealth, but financial planning can achieve goals. Financial planning involves managing current resources through disciplined investing in options to achieve financial goals. It considers resources, investment options, and goals. A financial planner analyzes the situation, recommends an asset allocation plan, and monitors it over time to achieve the client's changing needs and opportunities.
The document discusses options for retirement savings and college savings. It notes that stopping retirement contributions for one or two years could provide $17,000-$34,000 but is risky as one must be disciplined to restart contributions. It also states that student loans can be used for college but not retirement, so saving for retirement should take priority. The document cautions that 529 plans and custodial accounts have pros and cons for college savings.
Knowing what you spend monthly seems like a simple concept. How much money does it take for you to live comfortably each month? So many investors don't know this. If you don't follow simple financial planning concepts like monthly budgeting, then how do you expect to successfully save money?
The podcast discusses Mullooly Asset Management's approach to investing which uses short, intermediate, and long term indicators together like a "dimmer switch" to determine when to buy and sell investments. This "dimmer switch" method helps avoid being too bullish at market tops or too defensive at market bottoms. The podcast also cautions listeners to consult their investment advisor before making decisions based on the podcast.
This podcast discusses fiduciary obligations and who has them. A fiduciary obligation requires recommendations to be both suitable and prudent, while brokers only need recommendations to meet a presumption of suitability. The podcast warns listeners not to rely on it alone for investment advice and to consult an advisor before making investment decisions.
The document discusses the differences between open-end and closed-end funds. It outlines the three primary types of open-end funds: front-end funds, back-end funds, and low-level load funds. It describes the two main fees built into funds as management expenses and sales charges. It provides examples of how fees work for each type of open-end fund. The document cautions that returns stated as net of fees and expenses may not fully reflect the impact of fees depending on the example.
Don't hire the next Bernie Madoff! There are plenty of red flags to be on the alert for when meeting new investment advisors. Ask plenty of questions and make sure you feel comfortable before making a decision.
Tom gets into a recent tweet by radio personality Dave Ramsey. He claims that saving a million dollars for retirement is feasible, and in fact simple. The main message of his tweet was to save more money!
Learn about the three kinds of annuities. The three kinds are immediate annuities, fixed annuities, and variable annuities. There are some serious questions you should be asking before getting involved with any annuity. Learn about them in this presentation.
Wondering whether you should invest with a discount brokerage firm or a full-service firm? This presentation outlines what you can expect from both discount brokers and full-service brokers.
Rebalancing because the calendar has reached a specific date is not the best approach when it comes to growing your assets. Rebalancing according to what changes are currently happening in the market makes much more sense.
80% of the risk from investing comes from not being invested in the right sector or not paying attention to market conditions. Choosing the "hot stock" is of little importance. Sector-based investing is more valuable.
The most important concept to understand when it comes to financial planning is SAVE MORE MONEY. It really is that simple. One way to be totally counterproductive in regards to your 401k account is to take loans from it. We will discuss why this is a poor decision in this presentation.
The podcast discusses retirement planning and target date funds. It explains that target date funds automatically become more conservative over time by adjusting the mix of stocks, bonds, and cash as the target retirement date approaches. The podcast provides examples of different target date funds and their current allocations, including one fund that is 90% stocks, 7% bonds, and 3% cash. It cautions investors to carefully consider the stocks and funds that make up target date funds.
The podcast discusses stock market trends over the past 50 years, noting that historically October through May has averaged a 6.6% return while May through October has averaged 0.8%. While September is usually the worst month of the year, in 2013 the Dow Jones and S&P 500 both rose around 3%. The podcast warns against relying too heavily on historical patterns and predicts outcomes, saying these types of predictions are like a weather forecast and markets do not always follow the same patterns.
This podcast summary discusses a New York Times article about retirees facing a million-dollar illusion due to underestimating how long their savings need to last. The podcast suggests that moving too heavily into bonds near retirement can be problematic as stocks often continue growing longer. Instead, it recommends staying in the stock market longer and averaging into bonds over time rather than all at once. Listeners are advised to consult their financial advisors before making investment decisions.
Learn why you must have an emergency fund and how much you should have in it. This is an important financial planning concept that many people are unaware of.
The Dow Jones has reached a new record high what does it mean for investors though? Learn what happened last time the Dow reached a new high, and why this time looks to be different.
Are bonds a safe investment? Probably not as safe as many financial planners would like you to think. If you are looking to make money in the long term, bonds are likely not where you should be investing your money.
Similar to Building Blocks of Financial Planning: Saving and Budgets (20)
This document contains various quotes and passages on different topics such as psychology, prospecting, and trading strategies. It discusses the importance of visualizing success and maintaining a positive mindset. It also offers tips for daily trading management, including setting alerts, reading emails, charting by hand, journaling positions, and using combo signals. One decision to ignore a sell signal resulted in losses for the year.
How diversified is your retirement plan at work? Do you have good options when it comes to saving for retirement? If you don't have good investment options, find out if you have a self-directed brokerage option.
The document discusses traditional asset allocation models used by many financial planners that divide investments into categories like stocks, bonds, and cash. It notes that the standard 60/40 portfolio allocation of 60% stocks and 40% bonds and cash may not be optimal as smaller-cap stocks have outperformed large-cap stocks in the past 12 years while fixed income carries more risk now and cash provides no yield. The document suggests most advisors use simple asset allocation models to spread risk rather than actively choosing sectors that are performing well.
What are the benefits of point and figure charting? There are quite a few. The most important being that it clearly shows us supply and demand. It allows us turn down the noise created by the financial media, and focus on what matters. That is why we utilize point and figure technical analysis here at Mullooly Asset Management.
Many investors want to know how much commission stock brokers make? This question has more to do with the brokerage firm and how they run their business. Many brokerage firms categorize their brokers into levels of production. They also classify their clients based on assets.
Many people wonder how much investment advice should cost them. That depends on whether they choose to work with a fee-only investment advisor, financial planner, or stock broker. Learn they different ways they charge for investment advice in this presentation.
Getting out of student loan debt is a goal most people spend their twenties accomplishing. There is a government program that could lighten the financial burden students loans are putting on your cash flow. You should know about this program.
Gain a better understanding of leveraged Exchange Traded Funds. These ETFs are not your average funds, so you should completely understand them (and consult your investment advisor) before making a decision to invest.
Alan Greenspan, Ben Bernanke, and Warren Buffet have all cautioned against bonds recently and deemed them risky investments. So what makes the risk level so high?
This document discusses distributions from mutual funds and exchange-traded funds (ETFs). It explains that mutual funds can distribute income, dividends, short-term capital gains, and long-term capital gains to shareholders. It also notes that when a mutual fund sells assets that have appreciated over many years, the capital gains are distributed to current shareholders even if they have only held the fund for a shorter period. The document additionally covers how mutual fund managers determine which assets to sell when redemptions are requested and that mutual funds carry over capital losses instead of distributing them. Finally, it states that ETFs also distribute income, dividends, and any realized capital gains or losses to shareholders.
Many investors don't know the difference between Roth IRA's and traditional IRA's. Learn how they differ in this presentation from Mullooly Asset Management.
More from Thomas Mullooly CEO Investment Advisor Financial Planner (12)
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
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
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.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
"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.
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.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
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.
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
[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.
2. Basis for ALL Financial Planning
SAVE
MORE
MONEY
Mullooly Asset Management January 2013
3. Saving Money is Not Easy
Saving is unpopular
Saving is counter-intuitive
Saving goes against modern US culture
Mullooly Asset Management January 2013
4. Look at Saving Differently
“Budget” is viewed by some, as bad
“Paying yourself first” is a good thing
Our attitude/behavior toward “saving” or “budgets”
Mullooly Asset Management January 2013
5. Saving vs. Spending: BOTH Habits
Scenario
Mother: “We need money for food shopping.”
Mother: “You need a budget.”
Mullooly Asset Management January 2013
6. Why Should You Save?
“We become slaves to debt.”
George Oglethorpe: Georgia 1733-1752
When you have money saved, you make different
(better) decisions
Mullooly Asset Management January 2013
7. None of the securities mentioned in this (or any) podcast or
video represent past specific recommendations of Mullooly
Asset Management.
This video is NOT a recommendation to buy or sell any of
the securities mentioned here.
If you’re relying on a podcast for investment advice, you are
likely making a huge mistake.
We strongly urge our listeners to consult with their
investment advisor before they make a decision to buy or
sell any investment.
Mullooly Asset Management January 2013
8. Mullooly Asset Management, LLC
support (at) mullooly (dot) net
732-223-9000
www.mullooly.net
Mullooly Asset Management January 2013