Cash Flow Kings & Queens: Cash Flow Success For Gen Y Professionals
How Gen Y Professionals Can Get Control and Set Up Their Cash Flow For Success & Create The Lifestyle They Want.
Get the Cash Flow Success Blueprint Here: www.cashflowsuccess
This document provides information on the Greenwich Asset Management Group US Mid Cap fund. The fund is managed by Greenwich Asset Management Group, LLC, led by Peter Lundstedt. It invests in 40 equally weighted US mid cap stocks selected based on fundamentals and trading above their 200-day moving average. The fund has been open since 2009 and has averaged annual returns of 24.09% with a maximum drawdown of 23.49%.
Lifetime Allowance Case Study - illustrating the benefits of transferring to QROPS to mitigate the impact of Lifetime Allowance Charges on future investment growth.
The Knights of Columbus Investment Review provides an overview of their commitment to prudent, conservative investing by focusing on investment grade securities while avoiding risky or speculative investments. They detail their portfolio holdings, which are high quality with an average rating of A+ and emphasize bonds, mortgages, and asset-backed securities. The review also outlines their investment management approach, historical returns and growth rates, and strong financial ratings demonstrating their ability to fulfill their obligations.
Money saved when moving from a 5% to a 4.75% interest rateEric Kandell
This document outlines how refinancing a $250,000 VA loan from 5% to 4.75% can save between $75-200 per month in payments and build equity faster. Specific examples show that after 10 years the balance would be $6083 lower by refinancing. Refinancing can be done at no closing costs since the bank will provide a $4500 credit. Calling the provided number can provide a customized analysis of potential savings from refinancing a VA loan to a lower rate.
The document summarizes current mortgage rates from various lenders in preparation for an upcoming Federal Reserve meeting. It lists interest rates and annual percentage rates for 30-year and 15-year fixed rate loans, adjustable rate mortgages, jumbo loans, and other specialty loan types. Contact information is provided for three loan originators. The rates are current as of September 11, 2015 and are subject to change pending decisions from the Federal Reserve later in the week.
The document discusses various financial services offered by UFirst Alliance to help clients achieve financial freedom through debt cancellation, increased cash flow, emergency savings, insurance, long-term savings, and estate planning. It provides examples of how small regular investments over long periods of time can significantly grow retirement savings compared to starting later. Clients work with UFirst agents to identify specific needs and strategies.
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
This document provides information on the Greenwich Asset Management Group US Mid Cap fund. The fund is managed by Greenwich Asset Management Group, LLC, led by Peter Lundstedt. It invests in 40 equally weighted US mid cap stocks selected based on fundamentals and trading above their 200-day moving average. The fund has been open since 2009 and has averaged annual returns of 24.09% with a maximum drawdown of 23.49%.
Lifetime Allowance Case Study - illustrating the benefits of transferring to QROPS to mitigate the impact of Lifetime Allowance Charges on future investment growth.
The Knights of Columbus Investment Review provides an overview of their commitment to prudent, conservative investing by focusing on investment grade securities while avoiding risky or speculative investments. They detail their portfolio holdings, which are high quality with an average rating of A+ and emphasize bonds, mortgages, and asset-backed securities. The review also outlines their investment management approach, historical returns and growth rates, and strong financial ratings demonstrating their ability to fulfill their obligations.
Money saved when moving from a 5% to a 4.75% interest rateEric Kandell
This document outlines how refinancing a $250,000 VA loan from 5% to 4.75% can save between $75-200 per month in payments and build equity faster. Specific examples show that after 10 years the balance would be $6083 lower by refinancing. Refinancing can be done at no closing costs since the bank will provide a $4500 credit. Calling the provided number can provide a customized analysis of potential savings from refinancing a VA loan to a lower rate.
The document summarizes current mortgage rates from various lenders in preparation for an upcoming Federal Reserve meeting. It lists interest rates and annual percentage rates for 30-year and 15-year fixed rate loans, adjustable rate mortgages, jumbo loans, and other specialty loan types. Contact information is provided for three loan originators. The rates are current as of September 11, 2015 and are subject to change pending decisions from the Federal Reserve later in the week.
The document discusses various financial services offered by UFirst Alliance to help clients achieve financial freedom through debt cancellation, increased cash flow, emergency savings, insurance, long-term savings, and estate planning. It provides examples of how small regular investments over long periods of time can significantly grow retirement savings compared to starting later. Clients work with UFirst agents to identify specific needs and strategies.
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
Looking for Superannuation advisor? Get expert advice from our highly experienced Superannuation Financial Advisors in Melbourne. Book an appointment for superannuation fund advice today
Here are 3 reasons why now is the best time to take control and start investing in property according to the document:
1. With the cost of living constantly increasing, the value of money remains low for most people. Investing in property can provide greater returns compared to savings accounts.
2. Providing for children from birth to age 21 alone can cost an average of £230,000 according to reports. Unexpected illnesses can also threaten income.
3. The retirement age is increasing as people live longer but the state pension is not adequate. Investing in property can help secure a more stable future.
Historic performance of income beneficiary remainder man trust from inception...scherny
Total return performance in income beneficiary remainder man trust. These results were obtained in a difficult market, however, using dividend stocks and buy/write strategies risk was contained and income obtained.
Retireassist provides innovative financial assistance to people over 55 who fear the cost of moving to a retirement community
Contact us on 1300 796 311 for more information
The document discusses accumulating wealth over a lifetime for financial security and retirement. It notes that most savings plans are inadequate due to everyday living expenses and risks like disability, death, or economic downturns. The document advocates paying yourself first through savings and investments, and ensuring income replacement through disability and life insurance to protect your future financial potential and human life value.
Could Traditional Financial Advice Be Outdated?jimkipp
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
Investment Performance Income Account Since Inception to 12/31/12scherny
This document summarizes the annual performance of an investment portfolio from 2003 to 2012. It shows the portfolio's rate of return and asset allocation by year, with the largest allocations typically to equities, fixed income, and cash. Over the full period shown, the portfolio experienced positive cumulative returns despite a loss in 2008.
This document outlines a 3-6-9 financial transformation plan consisting of 3 stages over 9 months:
1) Cash flow management in the first 3 months to minimize taxes, debt, and expenses.
2) Creating business income over the next 6 months through strategies like home-based businesses to earn commissions and bonuses taxed at a lower rate.
3) Asset accumulation over the final 9 months by investing money to earn dividends, capital gains, and asset appreciation taxed at an even lower rate.
The plan promotes using an online tool and mobile app to track finances and expenses, earning residual income through building a team, and provides training and support calls to help with implementation.
Weak China report fuels market fears. This document contains a summary of current mortgage rates from various lenders. It lists the rates for 30-year and 15-year fixed rates, as well as adjustable rate mortgages from different lenders. It also provides contact information for three loan originators. The document appears to be targeted at real estate and financial professionals rather than consumers.
During his presentation 'Pension Freedoms' Sam will consider
Building another business.
How to ensure you are in control of your money.
His message will be that you can take money out of your business without liability to any taxes and pop it into a 'pension wrapper'.
This document outlines Bob's retirement plan, including data assumptions about his current age, salary, retirement fund, and planned retirement age. It models three scenarios for Bob's retirement income and savings based on different inflation, return on investment, and contribution rates. The best scenario results in a retirement income of $58,048 at age 65, while the worst scenario provides only $27,415 at the same age. A sensitivity analysis shows retirement age as the most influential parameter. The recommendations suggest increasing Bob's retirement age to 70 and adjusting other rates and contributions to help ensure his savings last until age 101.
Oil traders are watching oil prices and signs of recession in China. The document provides current mortgage rates for various loan types including 30-year and 15-year fixed rates, adjustable rates, jumbo loans, FHA, VA, and investment property loans. It also lists contact information for three mortgage professionals.
The Juniper Residential Fund document provides an overview and update on a real estate investment fund operated by the Cypress Group. The fund buys undervalued single-family homes in Santa Clara County, renovates them, and rents or sells them for a targeted 15-25% return. To date the fund has purchased 5 homes for $1.2 million and had them appraised at $1.65 million, a 27.5% average profit. Going forward, the fund plans to buy 10-20 more homes using equity and private financing.
The document is a lecture on macroeconomics and the stock market. It defines key terms like market, indexes, firms, financial statements, and valuation. It explains how a market works through buyers and sellers discovering value. It also outlines the different types of firms (proprietorship, partnership, corporation), how they raise money, and their basic financial statements (income statement, balance sheet).
The document summarizes new changes to Australia's superannuation rules effective July 2017. Key changes include cutting the concessional contributions cap to $25,000, introducing a $1.6 million transfer balance cap on super funds shifting to pension phase, and lowering the income threshold for extra contributions tax to $250,000. Non-concessional contribution caps will be reduced to $100,000 and the 'bring forward' rule remains available for those under 65. Self-managed superannuation funds can include up to 4 members and invest in various assets, though related party transactions and in-house asset holdings have restrictions.
The document discusses how many tax provisions are set to expire or change at the end of 2012, which would result in individuals and families paying substantially more in taxes. It outlines how popular tax deductions, credits, and rates that applied to income, capital gains, dividends, payroll taxes, and estate taxes are scheduled to expire or change. The expiration of these tax provisions could remove up to $3,500 from the average taxpayer's annual income and significantly increase taxes for many individuals, families, and businesses.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Cash Flow Kings & Queens: How Gen Y Professionals Can Get Control and Set Up ...Kristin Jacobsen
Cash Flow Kings & Queens: How Gen Y Professionals Can Get Control and Set Up Their Cash Flow For Success, so they can reach their version of financial success.
Cash flow is the core to all successful personal finances.
Cv davide burani agg feb 2016_eng_lt_finale_04_a_rreDavide Burani
Davide Burani has over 20 years of experience in project management, structural design, and site engineering. He holds an MSc in Civil Engineering from the University of Parma and an executive MBA from ESADE Business School. Burani has managed projects ranging from €22 million to over €1 billion, including shopping centers, retail parks, residential developments, and amusement parks across Italy and Europe. He is a Chartered Civil Engineer and expects to earn his PMP certification in June 2016. Burani is proficient in English, Chinese, Spanish, and French and knowledgeable in various engineering and design software.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
Looking for Superannuation advisor? Get expert advice from our highly experienced Superannuation Financial Advisors in Melbourne. Book an appointment for superannuation fund advice today
Here are 3 reasons why now is the best time to take control and start investing in property according to the document:
1. With the cost of living constantly increasing, the value of money remains low for most people. Investing in property can provide greater returns compared to savings accounts.
2. Providing for children from birth to age 21 alone can cost an average of £230,000 according to reports. Unexpected illnesses can also threaten income.
3. The retirement age is increasing as people live longer but the state pension is not adequate. Investing in property can help secure a more stable future.
Historic performance of income beneficiary remainder man trust from inception...scherny
Total return performance in income beneficiary remainder man trust. These results were obtained in a difficult market, however, using dividend stocks and buy/write strategies risk was contained and income obtained.
Retireassist provides innovative financial assistance to people over 55 who fear the cost of moving to a retirement community
Contact us on 1300 796 311 for more information
The document discusses accumulating wealth over a lifetime for financial security and retirement. It notes that most savings plans are inadequate due to everyday living expenses and risks like disability, death, or economic downturns. The document advocates paying yourself first through savings and investments, and ensuring income replacement through disability and life insurance to protect your future financial potential and human life value.
Could Traditional Financial Advice Be Outdated?jimkipp
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
Investment Performance Income Account Since Inception to 12/31/12scherny
This document summarizes the annual performance of an investment portfolio from 2003 to 2012. It shows the portfolio's rate of return and asset allocation by year, with the largest allocations typically to equities, fixed income, and cash. Over the full period shown, the portfolio experienced positive cumulative returns despite a loss in 2008.
This document outlines a 3-6-9 financial transformation plan consisting of 3 stages over 9 months:
1) Cash flow management in the first 3 months to minimize taxes, debt, and expenses.
2) Creating business income over the next 6 months through strategies like home-based businesses to earn commissions and bonuses taxed at a lower rate.
3) Asset accumulation over the final 9 months by investing money to earn dividends, capital gains, and asset appreciation taxed at an even lower rate.
The plan promotes using an online tool and mobile app to track finances and expenses, earning residual income through building a team, and provides training and support calls to help with implementation.
Weak China report fuels market fears. This document contains a summary of current mortgage rates from various lenders. It lists the rates for 30-year and 15-year fixed rates, as well as adjustable rate mortgages from different lenders. It also provides contact information for three loan originators. The document appears to be targeted at real estate and financial professionals rather than consumers.
During his presentation 'Pension Freedoms' Sam will consider
Building another business.
How to ensure you are in control of your money.
His message will be that you can take money out of your business without liability to any taxes and pop it into a 'pension wrapper'.
This document outlines Bob's retirement plan, including data assumptions about his current age, salary, retirement fund, and planned retirement age. It models three scenarios for Bob's retirement income and savings based on different inflation, return on investment, and contribution rates. The best scenario results in a retirement income of $58,048 at age 65, while the worst scenario provides only $27,415 at the same age. A sensitivity analysis shows retirement age as the most influential parameter. The recommendations suggest increasing Bob's retirement age to 70 and adjusting other rates and contributions to help ensure his savings last until age 101.
Oil traders are watching oil prices and signs of recession in China. The document provides current mortgage rates for various loan types including 30-year and 15-year fixed rates, adjustable rates, jumbo loans, FHA, VA, and investment property loans. It also lists contact information for three mortgage professionals.
The Juniper Residential Fund document provides an overview and update on a real estate investment fund operated by the Cypress Group. The fund buys undervalued single-family homes in Santa Clara County, renovates them, and rents or sells them for a targeted 15-25% return. To date the fund has purchased 5 homes for $1.2 million and had them appraised at $1.65 million, a 27.5% average profit. Going forward, the fund plans to buy 10-20 more homes using equity and private financing.
The document is a lecture on macroeconomics and the stock market. It defines key terms like market, indexes, firms, financial statements, and valuation. It explains how a market works through buyers and sellers discovering value. It also outlines the different types of firms (proprietorship, partnership, corporation), how they raise money, and their basic financial statements (income statement, balance sheet).
The document summarizes new changes to Australia's superannuation rules effective July 2017. Key changes include cutting the concessional contributions cap to $25,000, introducing a $1.6 million transfer balance cap on super funds shifting to pension phase, and lowering the income threshold for extra contributions tax to $250,000. Non-concessional contribution caps will be reduced to $100,000 and the 'bring forward' rule remains available for those under 65. Self-managed superannuation funds can include up to 4 members and invest in various assets, though related party transactions and in-house asset holdings have restrictions.
The document discusses how many tax provisions are set to expire or change at the end of 2012, which would result in individuals and families paying substantially more in taxes. It outlines how popular tax deductions, credits, and rates that applied to income, capital gains, dividends, payroll taxes, and estate taxes are scheduled to expire or change. The expiration of these tax provisions could remove up to $3,500 from the average taxpayer's annual income and significantly increase taxes for many individuals, families, and businesses.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Cash Flow Kings & Queens: How Gen Y Professionals Can Get Control and Set Up ...Kristin Jacobsen
Cash Flow Kings & Queens: How Gen Y Professionals Can Get Control and Set Up Their Cash Flow For Success, so they can reach their version of financial success.
Cash flow is the core to all successful personal finances.
Cv davide burani agg feb 2016_eng_lt_finale_04_a_rreDavide Burani
Davide Burani has over 20 years of experience in project management, structural design, and site engineering. He holds an MSc in Civil Engineering from the University of Parma and an executive MBA from ESADE Business School. Burani has managed projects ranging from €22 million to over €1 billion, including shopping centers, retail parks, residential developments, and amusement parks across Italy and Europe. He is a Chartered Civil Engineer and expects to earn his PMP certification in June 2016. Burani is proficient in English, Chinese, Spanish, and French and knowledgeable in various engineering and design software.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
The HBCU Green Report found evidence of significant progress in sustainability efforts across HBCU campuses. Over 80% of surveyed HBCUs have instituted or are creating a sustainability plan. Initiatives include recycling programs on most campuses, energy tracking systems, and dedicated sustainability staff. Challenges remain around financing sustainability investments and a lack of resources. However, HBCUs are tapping their cultural DNA to develop innovative strategies, such as converting football fields to organic farms. Programs in environmental studies, urban planning and toxicology are training students to address global challenges through remarkable skill and ingenuity.
Este documento compara dos motocicletas japonesas de alta cilindrada, la Honda 750cc y la Kawasaki Ninja. Ambas ofrecen velocidad, estabilidad y seguridad a un precio competitivo, siendo la Kawasaki Ninja conocida como "la reina de la velocidad" y una máquina para la adrenalina pura gracias a su tecnología puntera.
1 RN or PCA
Level II Cardiac Chair
Criteria: Stable hemodynamics, no vasopressors, FiO2 < 60%, PEEP < 10
•Sit at edge of bed
•Dangle legs over edge of bed
•Transfer to Cardiac Chair
•30 minutes in Cardiac Chair
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
1. The document provides information on how to establish good credit, manage finances through budgeting, and tips for financial literacy. It discusses the importance of credit, how to build credit history, and maintaining a budget to avoid debt issues.
2. Statistics are presented on Americans' lack of financial knowledge and spending habits, including that the average American spends more than they earn and most live paycheck to paycheck without savings.
3. Information is also given on Alliance Credit Counseling, a nonprofit organization that provides financial counseling and education programs.
Affordable Property Investments helps people grow their wealth through property investment. It is owned by Rohan Birmingham, who has experience in property development and management. The company's goal is to create a network of experienced property investors and professionals to provide services like research, education, financing and management to help members invest successfully in properties for long-term capital growth and cash flow.
I've been able to pay off $24,000 in principal in just 18 months and am on track to be completely out of debt in 13 years. Would you like to know how I'm doing it? See how this innovative software program along with personal coaching can help you get out of all debt in 1/2 to 1/3 the time without having to refinance, make bi-weekly payments and with little to no change in your standard of living. Use the money you save to build up your retirement portfolio, go on vacation or buy a second or investment property. Free analysis will tell you the exact month and day you can begin living your dreams of financial freedom!
The document describes the Money Merge Account program, which uses mathematical principles to help people pay off debts faster and save on interest. It works by strategically moving money between accounts to take advantage of interest accumulation, float, and cancellation. Experts endorse the program for its ability to save tens of thousands in interest and help people become debt free and accumulate wealth years earlier than traditional repayment plans.
1. The document outlines a four step process for 1099 contractors to achieve financial success: protect what you have through insurance, take control of cash flow, invest wisely, and manage taxes.
2. It discusses the importance of medical, disability, and life insurance to protect one's assets and income.
3. It recommends building a cash reserve and paying down credit cards to take control of cash flow.
4. Investing in tax-advantaged accounts like 401ks, SEPs, and mutual funds for long-term growth is presented as a key part of investing wisely.
5. Higher-income individuals are noted to pay the majority of federal income taxes, so managing taxes is
The document discusses Primerica, a financial services company, and how it offers consumers various financial products and services. It notes that Primerica has over 100,000 representatives and markets products to middle-income consumers. The document also discusses the importance of debt elimination and having adequate life insurance and retirement savings.
This document promotes a financial strategy company that claims to provide experts to help customers get an "instant pay raise" through tax reduction strategies, credit restoration, debt elimination, and wealth generation services. It details the company's membership program which includes tax, credit, debt, and wealth advisors. It also promotes the opportunity to refer others and earn daily bonuses and overrides through the company's multi-level marketing compensation plan. The goal is to build a team of customers and representatives to earn residual income from the fees paid by members and bonuses from those enrolled underneath you.
The document discusses banking strategies and solutions for financial freedom, security, and retirement. It presents the Money Merge Account program as an alternative to traditional banking that can help eliminate debt faster through interest cancellation and optimize cash flow. The program aims to help users become their own bank by utilizing whole life insurance and other banking concepts to gain tax advantages and guaranteed returns over traditional investments.
This document discusses the planned giving program of Episcopal Senior Communities. It provides details on its 6 continuing care retirement communities and affordable housing programs serving over 11,000 seniors. The Episcopal Senior Communities Foundation was created in 2002 to raise funds and its annual income has grown to over $7 million from outright gifts, gift annuity contracts, and charitable remainder trusts. The document outlines the foundation's strategies for managing risks associated with gift vehicles, ensuring legal and regulatory compliance, and protecting the interests of donors.
This document summarizes Primerica, a financial services company that serves over 6 million clients. It discusses Primerica's mission to help families become debt-free and financially independent. The document also outlines Primerica's track record of success, paying over $622 million to its sales force in 2008. It describes the opportunities available to become a representative and earn income through sales, bonuses, and building a business network.
Financial Planning for Intergenerational WealthWelch LLP
This document discusses the importance of financial planning, particularly for intergenerational wealth. It notes that financial planning provides clarity, efficiency, and resiliency by establishing goals, implementing efficient strategies, and preparing for risks. The document then outlines the key components of a financial plan, including tax planning, financial management, retirement planning, estate planning, risk management, and investment management. It provides examples of strategies and vehicles for various areas like family trusts, business succession, registered retirement savings plans, tax-free savings accounts, and more. The overall message is that holistic financial planning is important for effectively managing wealth over generations.
800-557-6821 This powerpoint shows how cashflow works when United First Financial 's Money Merge Account helps you pay off debts using credit card(s), savings and checking accounts as a virtual line of credit.
The document discusses traditional plans for success and retirement that rely on working hard for many years but notes challenges with this approach. It then introduces an alternative model called the Cashflow Quadrant that leverages other people's time and efforts through network marketing to allow passive income, minimize taxes, and create continuous cash flow. The document argues this alternative can help people balance health, wealth, lifestyle, and time freedom.
The document is a presentation from The Society for Financial Awareness (SOFA) providing an overview of getting financially fit. It discusses challenges like longer lifespans and insufficient savings for retirement. It emphasizes developing a budget, reducing debt through methods like snowball payment, building an emergency fund, and investing for the future in vehicles like 401ks and IRAs. The presentation aims to educate attendees on taking control of their finances through planning and commitment to financial goals.
Women's Finance - A Roadmap to a Successful Financial PlanCRR, LLC
Kristen Zavaski from Axial Financial Group will present a webinar on developing a financial plan tailored for women. The webinar will discuss the unique financial challenges women face, how to create a savings and retirement plan, and investing strategies. Attendees will learn how to take stock of their current financial situation, save early to benefit from compounding returns, and stay disciplined during market volatility. The presentation aims to provide tips for building a financial plan that works over a woman's lifetime as her needs change.
Similar to Cash Flow Kings & Queens: Cash Flow Success For Gen Y Professionals (20)
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?
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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.
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.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
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.
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.
[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.
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...Donc Test
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
2. What You Need To Know
This session and all the information and content it contains is general in nature only. It does not take into
account the objectives, financial situation or needs of any particular person. You need to consider you
financial situation and needs before making any decisions based on this information.
K JACOBSEN ABN 86 179 514 695 trading as Nextgen Financial Services is an Authorised
Representative and Credit Representative of AMP Financial Planning Pty Limited, Australian Financial
Services Licensee and Australian Credit Licensee.
Further, Nextgen FS and AMP Financial Planning does not accept any responsibility arising in any way
(including by reason of negligence) for errors in, and omissions from, the information appearing in this
budget planner and does not accept any responsibility for any loss or damage, however caused, as a
result of any person relying on any information appearing in this session.
3. 01A Cash flow
King/Queen
Mindset
02
Three fundamental steps to
cash flow mastery
03
An Example Of A Proven,
simple and effective
cash-flow system
Outline
What we’ll cover
4. About Kristin Freddy Jacobsen
I AM
HERE TO…
Enable people to live their best life possible
through purpose drive wealth
My Why
• Help you make smart choices about your money
• Get your entire financial house in order
• Reach your purpose driven financial goals
9. Australia’s Debt Appetite
The ratio of household debt to
disposable income has almost
tripled since 1988, from 64% to
185%.
10. Australia’s Debt Appetite
If interest rates were to rise by 2.5%,
households with the top 10% of debt
would see their repayments rise from 37.3%
of their disposable income to 52.7%.
11. Don’t go broke trying to look rich
$45,000 per year
Spend $44,000
+ $1,000
$240,000 per year
Spend $241,000
- $1,000
18. All Your Finances in
one place
Easy and automatic
cash flow tracking
19. An example of a proven,
simple and effective
cash-flow system
20.
21. Example
PER WEEK
$1,000 net income
$500 Living expense + $100 emergency buffer (60%)
$100 fun (10%) and $100 lifestyle expenses (10%)
$200 towards grow fund (20%)
22. Results
$100 per week each to spend on whatever
$5,200 per year for a holiday, deposit for car etc.
$10,400 per year off debt or to grow your wealth
Less stress and better quality of life
23. 01A Cash flow
King/Queen
Mindset
02
Three fundamental steps to
cash flow mastery
03
An Example Of A Proven,
simple and effective
cash-flow system
Summary
And Action Items
24. Summary
And Action Items
1. Download the cash flow success blue print (Free)
2. Setup Your Free My Prosperity Wealth Trial (Free)
3. Book in a Financial Roadmap Session ($149)
(Valid until the following Friday)
25. Tip of the iceberg
Investing
Debt
Management
Backup plan
Cash-flow