Ch 26 the financial system
•
1 like•1,124 views
This document discusses key concepts related to the financial system, including how it matches people who save money with people who need to borrow money. It introduces various financial instruments like bonds and stocks, which are traded in financial markets. Bonds represent borrowing/debt, while stocks represent ownership in a company. Banks and mutual funds are described as important financial intermediaries. The role of interest rates in the market for loanable funds is also summarized.
Report
Share
Report
Share
Download to read offline
Recommended
Eco 202 ch 26 the financial system
This document provides an overview of key concepts related to personal finance and the financial system. It discusses how the financial system matches savers with borrowers through various financial instruments and intermediaries. Specific financial instruments explained include bonds, which are certificates of indebtedness used by companies and governments to borrow money, and stocks, which represent ownership shares in a company. The roles of financial markets and intermediaries like banks and mutual funds in facilitating the flow of funds between lenders and borrowers are also summarized.
Benefits of Real Estate Investment Trusts
Steadfast Companies has offered real estate investment programs for 20 years, including REITs. It currently owns and manages over 135 properties in the US and Mexico worth over $1.5 billion. REITs collect investor funds to purchase and manage income-generating properties, distributing at least 90% of taxable income to shareholders. They offer average yields of 5-8% through low-complexity dividend income and portfolio diversification.
Multipliers in management rights 2016
Management rights on the Sunshine Coast of Australia can provide attractive returns on investment compared to other options like bank interest or stocks. The multiplier used to determine the purchase price of a management rights business is the verified net income multiplied by a factor of 2 to 6. Higher multipliers are seen when the business has more certainty, like a legislated process to terminate the agreement. Management rights provide flexible work hours and regular income from rental properties, with minimal debt or stock risks compared to other businesses.
DOL Fiduciary Rule Reallocation guide
Brinker Capital will reallocate its Destinations mutual fund portfolios to a series of institutional class sub-advised multi-manager mutual funds in order to comply with the DOL Fiduciary Rule and provide a more cost-effective solution for investors. The objectives and portfolio management team of the Destinations portfolios will remain unchanged, and Brinker Capital will transition to a level fee structure that provides a simplified pricing schedule for advice and services. The reallocation to mutual funds will allow Destinations portfolios to maintain the same strategies and risk profiles but in a more cost-efficient structure aligned with the DOL Fiduciary Rule.
CopyofBeverlyHillsTimesarticle 2009
There are many options for effective wealth management strategies that begin early in life before substantial assets accumulate. Having a long time horizon for financial assets helps overcome costs from eroding wealth. In 2009, families and individuals must take a disciplined approach to protecting what they have worked for. Diversification achieves risk mitigation while focus brings long-term success. Asset protection and tax minimization are increasingly relevant concepts as the wealthy continue accumulating wealth through legal structures. Further education in financial management is necessary to begin the wealth management process as early as possible.
Fixed income and endowment portfolio management
This document provides an overview and agenda for a presentation on fixed income and endowment portfolio management. It discusses the role of bonds in a portfolio, focusing on providing defense, liquidity and yield. It notes that bond returns have diminished with low yields. It then explores alternative credit strategies like direct lending, asset-based lending and collateralized loan obligations (CLOs) as higher returning alternatives. CLOs in particular are discussed, showing their historical returns have been higher than bonds.
IG Qualifying Presentation
This document summarizes the services provided by Investors Group, one of Canada's largest financial institutions. It offers a comprehensive suite of financial planning and investment management services including mutual funds, segregated funds, tax planning, estate planning, insurance, lending, banking, and retirement planning. The goal is to create a customized financial plan and manage investments to help clients achieve their financial goals for life, retirement, family, and the future.
Sample Employer Covenant Report
- The report assesses the employer covenant for XYZ Ltd's pension scheme. It assigns scores between 0-10 for the employer's position, prospects, and power.
- For position (8-Strong), the unlimited nature of XYZ Ltd provides access to substantial group assets, though recoveries may be limited for the portion relating to the highly leveraged F division.
- For prospects (8-Strong), management forecasts significant short-term cash generation from asset sales, but long-term prospects are uncertain.
- For power (6-Adequate), trustees' powers are balanced with the employer's, but regulators could intervene if the F division failed to fully fund its pension obligations.
Recommended
Eco 202 ch 26 the financial system
This document provides an overview of key concepts related to personal finance and the financial system. It discusses how the financial system matches savers with borrowers through various financial instruments and intermediaries. Specific financial instruments explained include bonds, which are certificates of indebtedness used by companies and governments to borrow money, and stocks, which represent ownership shares in a company. The roles of financial markets and intermediaries like banks and mutual funds in facilitating the flow of funds between lenders and borrowers are also summarized.
Benefits of Real Estate Investment Trusts
Steadfast Companies has offered real estate investment programs for 20 years, including REITs. It currently owns and manages over 135 properties in the US and Mexico worth over $1.5 billion. REITs collect investor funds to purchase and manage income-generating properties, distributing at least 90% of taxable income to shareholders. They offer average yields of 5-8% through low-complexity dividend income and portfolio diversification.
Multipliers in management rights 2016
Management rights on the Sunshine Coast of Australia can provide attractive returns on investment compared to other options like bank interest or stocks. The multiplier used to determine the purchase price of a management rights business is the verified net income multiplied by a factor of 2 to 6. Higher multipliers are seen when the business has more certainty, like a legislated process to terminate the agreement. Management rights provide flexible work hours and regular income from rental properties, with minimal debt or stock risks compared to other businesses.
DOL Fiduciary Rule Reallocation guide
Brinker Capital will reallocate its Destinations mutual fund portfolios to a series of institutional class sub-advised multi-manager mutual funds in order to comply with the DOL Fiduciary Rule and provide a more cost-effective solution for investors. The objectives and portfolio management team of the Destinations portfolios will remain unchanged, and Brinker Capital will transition to a level fee structure that provides a simplified pricing schedule for advice and services. The reallocation to mutual funds will allow Destinations portfolios to maintain the same strategies and risk profiles but in a more cost-efficient structure aligned with the DOL Fiduciary Rule.
CopyofBeverlyHillsTimesarticle 2009
There are many options for effective wealth management strategies that begin early in life before substantial assets accumulate. Having a long time horizon for financial assets helps overcome costs from eroding wealth. In 2009, families and individuals must take a disciplined approach to protecting what they have worked for. Diversification achieves risk mitigation while focus brings long-term success. Asset protection and tax minimization are increasingly relevant concepts as the wealthy continue accumulating wealth through legal structures. Further education in financial management is necessary to begin the wealth management process as early as possible.
Fixed income and endowment portfolio management
This document provides an overview and agenda for a presentation on fixed income and endowment portfolio management. It discusses the role of bonds in a portfolio, focusing on providing defense, liquidity and yield. It notes that bond returns have diminished with low yields. It then explores alternative credit strategies like direct lending, asset-based lending and collateralized loan obligations (CLOs) as higher returning alternatives. CLOs in particular are discussed, showing their historical returns have been higher than bonds.
IG Qualifying Presentation
This document summarizes the services provided by Investors Group, one of Canada's largest financial institutions. It offers a comprehensive suite of financial planning and investment management services including mutual funds, segregated funds, tax planning, estate planning, insurance, lending, banking, and retirement planning. The goal is to create a customized financial plan and manage investments to help clients achieve their financial goals for life, retirement, family, and the future.
Sample Employer Covenant Report
- The report assesses the employer covenant for XYZ Ltd's pension scheme. It assigns scores between 0-10 for the employer's position, prospects, and power.
- For position (8-Strong), the unlimited nature of XYZ Ltd provides access to substantial group assets, though recoveries may be limited for the portion relating to the highly leveraged F division.
- For prospects (8-Strong), management forecasts significant short-term cash generation from asset sales, but long-term prospects are uncertain.
- For power (6-Adequate), trustees' powers are balanced with the employer's, but regulators could intervene if the F division failed to fully fund its pension obligations.
ANIKA EQUITIES GROUND LEASE OVERVIEW
Anika Equities seeks to purchase land under commercial properties through ground leases. This allows the existing owner to monetize the land value while maintaining ownership of the building through a leasehold. A ground lease provides the owner permanent low-cost capital without balloon payments while allowing tax advantages. Case studies show ground leases and leasehold financing can increase property value, cash flow, returns, and equity value compared to traditional financing. Anika aims to provide up to 95% combined leverage of the land value and building.
XYZ Pensions Dashboard
We use our Pensions Dashboard with current and prospective clients as the primary diagnostic tool for understanding the Employer - Scheme dynamic
About Investors Group
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
How to Organize & Structure a Real Estate Syndication
Real estate sector is one of the most sought after sector for investing due to the handsome returns on investment. Nowadays, investors are looking to expand their portfolio due to which real estate syndication is gaining widespread popularity. There are several ways to organize and structure a real estate syndication. However, many investors are not aware of these methods. Go through the slide to know more about real estate syndication.
I Intro To Corporate Finance
The document discusses key concepts in corporate finance including the goals of maximizing shareholder wealth over time, separation of ownership and management leading to agency issues, and viewing corporate securities as contingent claims on firm value with debt holders having a fixed claim and shareholders receiving residual value. It also examines ways to resolve agency problems through structuring incentives to align manager and shareholder interests such as compensation linked to performance.
I Intro To Corporate Finance
The document discusses key concepts in corporate finance including the goals of maximizing shareholder wealth over time, separation of ownership and management leading to agency problems, and using debt and equity as contingent claims on firm value. It also summarizes how boards can help align manager and shareholder interests through incentive structures like stock ownership, pay linked to performance, and the threat of dismissal.
Commercial real estate agent chicago il
The professionals here have expanded their business to both national and international markets. Thus, Go for Commercial Real Estate Agent Chicago, IL and solve your issues with the help of the experienced ones.
EQUITYMULTIPLE Investor Intro
What is EQUITYMULTIPLE? This presentation touches on what we are, why we are, and how we are different from other real estate "crowdfunding" platforms. For more info, please visit www.equitymultiple.com and/or contact info@equitymultiple.com
Qualifying Presentation 2010
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
Financing 101 for Startups
by David Ambler & Seth Gottlieb, Cooley
This session is a must-attend for any early stage startup looking to raise capital, and wanting to learn more about the various forms of capital and when to use them. Join David Ambler, a corporate attorney at Cooley LLP, as he covers startup financing strategies, including debt and equity, common financing terminology, and best practices for fund raising.
Wealth Map
This document provides information about wealth management and financial planning services offered by Cameron Christi and WealthMap. It discusses investment strategies and products including fixed index annuities, fixed annuities, bond funds, mutual funds, life insurance, college funding, long term care, and health insurance. It also covers topics like asset protection, the rule of 72, managing investment risk, and choosing a retirement strategy. The document aims to guide readers toward financial security.
Qualifying presentation
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The Anti-Annuity
This document introduces the "Anti-AnnuityTM", which is described as Single Premium Indexed Universal Life insurance (SPIUL). It summarizes the credentials and experience of the advisors behind the product. The SPIUL is presented as a tax-advantaged alternative to annuities that allows tax-free growth and access to funds. Examples are given showing how SPIUL can be used to create larger tax-free inheritances than other options like annuities. It also describes how SPIUL can be used to avoid taxes on IRA and retirement account funds by transferring them into the life insurance product. Readers are encouraged to schedule a meeting with the advisors to learn more about SPIUL and how it can save on estate
Asset efficiency
This document discusses how permanent life insurance can be a tax-advantaged investment asset that provides growth potential, access to cash value through loans, and benefits for heirs. It provides an example comparing returns from life insurance to traditional investments like interest, dividends, and capital gains, showing that life insurance requires less capital and risk to achieve the same results due to its tax advantages. While collateral loans involve risk, permanent life insurance is positioned as an effective strategy for managing assets, accessing funds, and preserving an estate over the long term.
Amra Balic World Circular Economy Forum 2017 Helsinki Finland
- BlackRock is a global investment management corporation with over $5.42 trillion assets under management as of March 2017. It has over 12,000 employees across more than 30 countries.
- Environmental, social and governance (ESG) factors have increased in significance for investors over time, driven by various regulations, initiatives and events. BlackRock's Investment Stewardship team engages with companies to promote long-term sustainable value.
- In 2017-2018, the team's engagement priorities include board oversight of long-term corporate strategy, executive compensation linked to long-term goals, disclosure of climate change risks, and human capital management.
Chap007
This document discusses various topics related to equity valuation and stock markets, including the dividend discount model for valuing stocks, primary and secondary markets, common terminology such as market capitalization and P/E ratio, and different approaches to analyzing stocks like fundamental analysis and the efficient market hypothesis. Key valuation techniques introduced are the dividend discount model under different growth scenarios as well as valuing the present value of growth opportunities.
Taxes & trading costs
This document discusses how taxes and trading costs impact wealth management. It notes that maximizing pre-tax returns does not equal maximizing after-tax wealth, and taxes should influence decisions around asset allocation, location, and construction. While taxes are important to consider, they should not dictate investment choices. Examples show how taxes compound over time, reducing post-tax returns significantly, especially in taxable accounts. Proper asset location across individual, tax-deferred, and tax-free accounts can help maximize after-tax wealth. The document also cautions that trading costs, which often exceed stated fees, need to be considered.
Wealth Management - Week 3
This document provides an overview of wealth management strategies for affluent investors, focusing on hedge funds and private equity. It discusses what hedge funds and private equity are, common characteristics and strategies, manager incentive structures, historical returns, and implementation considerations. It also reviews endowment models, summarizing historical investment returns and asset allocations of Yale and Harvard University endowments. Finally, it compares different methods of investing and five key considerations for selecting investment types - management, taxation, costs, control, and liquidity.
Private Equity Update
Archer Capital is an Australian private equity firm that has $2 billion under management from super funds and international investors. It focuses on buyouts and has completed 25 investments totaling $4 billion since 1998, generating over 50% gross IRR on realized deals. Private equity activity in Australia over the past 5 years totaled $8.7 billion invested into 570 companies, though the amount invested declined in fiscal year 2009. Private equity uses leverage to boost returns, though available debt has declined as transaction multiples have fallen. Despite the challenges, private equity will continue to be a factor in Australia given the $18.5 billion that has already been raised for future investments.
Summit 05 Presentations 15 Tsx
The document provides an overview of the Capital Pool Company (CPC) program offered by the TSX Venture Exchange. It discusses the objectives and structure of the CPC program, including the seed financing stage, initial public offering stage, and qualifying transaction stage. The presentation also outlines why companies may want to use the CPC program and provides examples of successful CPC graduates.
Eco 202 ch 31 money growth and inflation
This document discusses various topics related to inflation and monetary policy. It provides inflation rates for different countries from April 2014, with Venezuela having the highest rate at 57.3% and Spain the lowest at -0.2%. It also discusses Milton Friedman's quantity theory of money and how increasing the money supply leads to higher inflation. During the 2008 financial crisis, SAMA (Saudi Arabia Monetary Authority) dropped its overnight repo rate from 5.5% to 2% and reduced bank reserve requirements to stimulate the economy.
Ch 30 the monetary system first half
This document provides an overview of key concepts related to the monetary system, including:
- Money serves three main functions: as a medium of exchange, a unit of account, and a store of value.
- Money can take the form of commodity money, backed by intrinsic value like gold, or fiat money, which derives value by government decree.
- Central banks like SAMA regulate a country's money supply and banking system through monetary policy tools.
- Commercial banks engage in fractional-reserve banking, lending out deposits and expanding the money supply using the money multiplier effect. This can create the risk of bank runs if confidence is lost in the system.
More Related Content
What's hot
ANIKA EQUITIES GROUND LEASE OVERVIEW
Anika Equities seeks to purchase land under commercial properties through ground leases. This allows the existing owner to monetize the land value while maintaining ownership of the building through a leasehold. A ground lease provides the owner permanent low-cost capital without balloon payments while allowing tax advantages. Case studies show ground leases and leasehold financing can increase property value, cash flow, returns, and equity value compared to traditional financing. Anika aims to provide up to 95% combined leverage of the land value and building.
XYZ Pensions Dashboard
We use our Pensions Dashboard with current and prospective clients as the primary diagnostic tool for understanding the Employer - Scheme dynamic
About Investors Group
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
How to Organize & Structure a Real Estate Syndication
Real estate sector is one of the most sought after sector for investing due to the handsome returns on investment. Nowadays, investors are looking to expand their portfolio due to which real estate syndication is gaining widespread popularity. There are several ways to organize and structure a real estate syndication. However, many investors are not aware of these methods. Go through the slide to know more about real estate syndication.
I Intro To Corporate Finance
The document discusses key concepts in corporate finance including the goals of maximizing shareholder wealth over time, separation of ownership and management leading to agency issues, and viewing corporate securities as contingent claims on firm value with debt holders having a fixed claim and shareholders receiving residual value. It also examines ways to resolve agency problems through structuring incentives to align manager and shareholder interests such as compensation linked to performance.
I Intro To Corporate Finance
The document discusses key concepts in corporate finance including the goals of maximizing shareholder wealth over time, separation of ownership and management leading to agency problems, and using debt and equity as contingent claims on firm value. It also summarizes how boards can help align manager and shareholder interests through incentive structures like stock ownership, pay linked to performance, and the threat of dismissal.
Commercial real estate agent chicago il
The professionals here have expanded their business to both national and international markets. Thus, Go for Commercial Real Estate Agent Chicago, IL and solve your issues with the help of the experienced ones.
EQUITYMULTIPLE Investor Intro
What is EQUITYMULTIPLE? This presentation touches on what we are, why we are, and how we are different from other real estate "crowdfunding" platforms. For more info, please visit www.equitymultiple.com and/or contact info@equitymultiple.com
Qualifying Presentation 2010
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
Financing 101 for Startups
by David Ambler & Seth Gottlieb, Cooley
This session is a must-attend for any early stage startup looking to raise capital, and wanting to learn more about the various forms of capital and when to use them. Join David Ambler, a corporate attorney at Cooley LLP, as he covers startup financing strategies, including debt and equity, common financing terminology, and best practices for fund raising.
Wealth Map
This document provides information about wealth management and financial planning services offered by Cameron Christi and WealthMap. It discusses investment strategies and products including fixed index annuities, fixed annuities, bond funds, mutual funds, life insurance, college funding, long term care, and health insurance. It also covers topics like asset protection, the rule of 72, managing investment risk, and choosing a retirement strategy. The document aims to guide readers toward financial security.
Qualifying presentation
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The Anti-Annuity
This document introduces the "Anti-AnnuityTM", which is described as Single Premium Indexed Universal Life insurance (SPIUL). It summarizes the credentials and experience of the advisors behind the product. The SPIUL is presented as a tax-advantaged alternative to annuities that allows tax-free growth and access to funds. Examples are given showing how SPIUL can be used to create larger tax-free inheritances than other options like annuities. It also describes how SPIUL can be used to avoid taxes on IRA and retirement account funds by transferring them into the life insurance product. Readers are encouraged to schedule a meeting with the advisors to learn more about SPIUL and how it can save on estate
Asset efficiency
This document discusses how permanent life insurance can be a tax-advantaged investment asset that provides growth potential, access to cash value through loans, and benefits for heirs. It provides an example comparing returns from life insurance to traditional investments like interest, dividends, and capital gains, showing that life insurance requires less capital and risk to achieve the same results due to its tax advantages. While collateral loans involve risk, permanent life insurance is positioned as an effective strategy for managing assets, accessing funds, and preserving an estate over the long term.
Amra Balic World Circular Economy Forum 2017 Helsinki Finland
- BlackRock is a global investment management corporation with over $5.42 trillion assets under management as of March 2017. It has over 12,000 employees across more than 30 countries.
- Environmental, social and governance (ESG) factors have increased in significance for investors over time, driven by various regulations, initiatives and events. BlackRock's Investment Stewardship team engages with companies to promote long-term sustainable value.
- In 2017-2018, the team's engagement priorities include board oversight of long-term corporate strategy, executive compensation linked to long-term goals, disclosure of climate change risks, and human capital management.
Chap007
This document discusses various topics related to equity valuation and stock markets, including the dividend discount model for valuing stocks, primary and secondary markets, common terminology such as market capitalization and P/E ratio, and different approaches to analyzing stocks like fundamental analysis and the efficient market hypothesis. Key valuation techniques introduced are the dividend discount model under different growth scenarios as well as valuing the present value of growth opportunities.
Taxes & trading costs
This document discusses how taxes and trading costs impact wealth management. It notes that maximizing pre-tax returns does not equal maximizing after-tax wealth, and taxes should influence decisions around asset allocation, location, and construction. While taxes are important to consider, they should not dictate investment choices. Examples show how taxes compound over time, reducing post-tax returns significantly, especially in taxable accounts. Proper asset location across individual, tax-deferred, and tax-free accounts can help maximize after-tax wealth. The document also cautions that trading costs, which often exceed stated fees, need to be considered.
Wealth Management - Week 3
This document provides an overview of wealth management strategies for affluent investors, focusing on hedge funds and private equity. It discusses what hedge funds and private equity are, common characteristics and strategies, manager incentive structures, historical returns, and implementation considerations. It also reviews endowment models, summarizing historical investment returns and asset allocations of Yale and Harvard University endowments. Finally, it compares different methods of investing and five key considerations for selecting investment types - management, taxation, costs, control, and liquidity.
Private Equity Update
Archer Capital is an Australian private equity firm that has $2 billion under management from super funds and international investors. It focuses on buyouts and has completed 25 investments totaling $4 billion since 1998, generating over 50% gross IRR on realized deals. Private equity activity in Australia over the past 5 years totaled $8.7 billion invested into 570 companies, though the amount invested declined in fiscal year 2009. Private equity uses leverage to boost returns, though available debt has declined as transaction multiples have fallen. Despite the challenges, private equity will continue to be a factor in Australia given the $18.5 billion that has already been raised for future investments.
Summit 05 Presentations 15 Tsx
The document provides an overview of the Capital Pool Company (CPC) program offered by the TSX Venture Exchange. It discusses the objectives and structure of the CPC program, including the seed financing stage, initial public offering stage, and qualifying transaction stage. The presentation also outlines why companies may want to use the CPC program and provides examples of successful CPC graduates.
What's hot (20)
How to Organize & Structure a Real Estate Syndication
How to Organize & Structure a Real Estate Syndication
Amra Balic World Circular Economy Forum 2017 Helsinki Finland
Amra Balic World Circular Economy Forum 2017 Helsinki Finland
Viewers also liked
Eco 202 ch 31 money growth and inflation
This document discusses various topics related to inflation and monetary policy. It provides inflation rates for different countries from April 2014, with Venezuela having the highest rate at 57.3% and Spain the lowest at -0.2%. It also discusses Milton Friedman's quantity theory of money and how increasing the money supply leads to higher inflation. During the 2008 financial crisis, SAMA (Saudi Arabia Monetary Authority) dropped its overnight repo rate from 5.5% to 2% and reduced bank reserve requirements to stimulate the economy.
Ch 30 the monetary system first half
This document provides an overview of key concepts related to the monetary system, including:
- Money serves three main functions: as a medium of exchange, a unit of account, and a store of value.
- Money can take the form of commodity money, backed by intrinsic value like gold, or fiat money, which derives value by government decree.
- Central banks like SAMA regulate a country's money supply and banking system through monetary policy tools.
- Commercial banks engage in fractional-reserve banking, lending out deposits and expanding the money supply using the money multiplier effect. This can create the risk of bank runs if confidence is lost in the system.
saving and investment
The document discusses the U.S. financial system and how it coordinates saving and investment. It describes how financial institutions like banks and markets direct resources from savers to borrowers. It also explains how government policies on taxes, deficits, and investment credits can influence interest rates, saving, and investment in the market for loanable funds.
International monetary system
The document provides an overview of the international monetary system, including:
1) The evolution of international monetary systems from bimetallism to the classical gold standard to the Bretton Woods system to the current flexible exchange rate regime.
2) Current exchange rate arrangements including free float, managed float, and currencies pegged to other currencies.
3) Details on the euro and European monetary union.
4) Examples of currency crises like the Mexican peso crisis, Asian currency crisis, and Argentine peso crisis.
5) Differences between fixed and flexible exchange rate regimes and how imbalances are addressed under each system.
Some of the latest progress for the prevention, diagnosis and treatment of as...
This document summarizes a support meeting for patients with aspergillosis led by Graham Atherton and supported by Marie Kirwan, Georgina Powell, and Debbie Kennedy. The meeting covered advances in prevention, detection, and treatment of aspergillosis, including identifying vulnerable individuals, preventing exposure to resistant strains, improving diagnosis, developing new drugs and treatments like nanotechnology, and exploring stem cell research and the possibility of growing new lungs. The meeting also discussed changes to the Fungal Research Trust becoming the Fungal Infection Trust and improvements to future patient support meetings.
Millward Brown Saudi Arabia - Marketing2020 - Organizing for Growth
The Marketing2020 study by Millward Brown Vermeer looks at the opportunities and challenges facing global marketing leaders, and gives answers on how to future-proof marketing organizations, focusing on the role of marketing in delivering the business strategy, the best way to structure the marketing department and how to build capabilities and equip marketers for success.
2010 annual report presentation
The document is the 2010 annual report of the Downtown West Orange Alliance. It summarizes the Alliance's work in promoting the downtown area through events, improving the business environment, and beautifying the public spaces. Key events included a street fair, blues festival, and farmers market. The Alliance also worked on a business directory, facade grants, and recruiting new businesses. Streetscape improvements and new signage were installed to enhance the downtown area.
Double page process
The document describes the process of creating a double page magazine spread interviewing an artist named Cory Harper. Key steps included:
1) Choosing photos of the artist to include and editing the main photo.
2) Creating a layout with columns and adding a banner with the artist's name.
3) Including fan questions in bold with answers in normal text.
4) Writing a quote and story text about the artist in a consistent color scheme.
5) Realizing more space was needed and adding a third page with continued text, a quote, and photo while maintaining consistency.
Infiltratiemarketing leidraad
Gesproken met Eduard Vos van Sitefive over Infiltratiemarketing. ZAG.COM / Marty Neumeier
Hen 368 lecture 12 hospital market
The document discusses different types of hospitals and hospital markets. It describes primary, secondary, tertiary, and quaternary hospitals based on their level of specialization and services provided. It also discusses factors such as barriers to entry into the hospital market, the types of buyers that purchase hospital services, and different types of market structures including monopoly, oligopoly, monopsony and oligopsony. It summarizes considerations for both for-profit and not-for-profit hospitals in maximizing quantity and quality of services.
101 lecture 12
This document discusses key concepts related to tax systems, including:
- The objectives of an efficient tax system are to minimize costs and be equitable.
- Taxes can create deadweight loss and administrative burdens, so efficiency aims to minimize these.
- Taxes distort behavior and change incentives, so different types of taxes like income or consumption taxes are considered.
- Fairness of taxes is debated in terms of ability to pay and benefits received from public services. Progressive, proportional and regressive tax rates are compared in terms of how rates change with income.
101 lecture 15 monopoly
The document discusses monopoly and perfect competition in markets. It defines monopoly as a market with a single seller and significant barriers to entry. A key characteristic of monopolies is that to increase quantity sold, they must lower the price they charge. The document contrasts monopoly with perfect competition, where numerous small firms have negligible power to affect price and each firm's demand curve is perfectly elastic. Under perfect competition, firms maximize profits by producing at the quantity where marginal cost equals price.
BrandZ Top 100 Most Valuable Chinese Brands (Chinese Version)
This is the fourth publication of the BrandZ Top 100 Most Valuable Chinese Brands report and ranking, which has become the definitive annual study of brand valuation and development in China. This year we have provided a more extensive view of the market, and doubled the number of brands analyzed from 50 to 100. The 2014 ranking includes eight new categories, bringing the total covered to 21, and our greatly expanded report examines brand building in a rebalancing China.
Our initial analysis revealed a peek into the future of brands in China. We discovered that brands in the expanded portion of the ranking are predominately market-driven, rather than state owned. These market-driven brands are also high in brand contribution, the BrandZ™ measure of brand strength. Our findings show that Chinese entrepreneurs have been developing market-driven companies and valuable brands across many product and service categories for some time. And, as rebalancing unleashes competition, these brands now will grow more rapidly in value.
This inevitable brand evolution raises many questions. What’s the effect on Chinese brands compared with foreign brands in China? How does the shift influence competition between market-driven brands and SOEs (State Owned Enterprises)? How does it impact the momentum of Chinese brands going global?
Read the report to gain invaluable insight about Chinese brands and creating meaningfully different brands in a rebalancing China.
101 lecture 14
The document provides information on market structures and perfect competition. It defines perfect competition as having many buyers and sellers, identical products, and easy entry and exit. Under perfect competition, no individual buyer or seller can influence the market price as each is a "price taker". The market price equals the marginal revenue and is flat across quantity.
Maurice washington open_source_economic_development
This document discusses problems with traditional economic development approaches and proposes an open source economic development model. The key problems identified are silos between groups, self-interest over community interests, reluctance to change, and lack of clear goals. The document proposes forming action committees across industries to coordinate recruitment, retention and expansion efforts. It emphasizes developing clear marketing targets and plans based on community values and increasing community involvement through communication and an open process.
Academic writing II
This document provides guidance on grammar, style, structure and other aspects of academic writing. It discusses topics such as active versus passive voice, verb usage, punctuation, paragraph and sentence structure. Tips are provided such as using strong verbs, minimizing "to be" verbs, varying sentence length and structure, and employing transitions between paragraphs. The importance of drafting and revising work is emphasized.
ＩＴ革命からコミュニティ、コミュニケーション革命に！
中小企業のＩＴ活用の啓蒙を始めて１０年以上になります。１０年前にどのような話をしていたか？ということも振り返りながら、１０年前に即座に経営改革に着手した会社とそこで変化できなかった会社の違い、そして今、変化できる会社とやはりできない会社の違い、そして１０年後は？ということで、１０年間の中小企業の情報化による経営改善の経緯を振り返りながら、本当にまった無しの中小企業の方々の変化の一助になればと思い、セミナーを行いました。ご笑覧いただければ幸いです。
BrandZ Top 50 Latin American Brands
Millward Brown BrandZ Top 50 Latin American Brands 2013
Mexican beer brand Corona is the most valuable Latin American brand, according to the second annual BrandZ™ Top 50 Most Valuable Latin American Brands ranking announced today by BrandAnalytics, a Millward Brown Optimor company. The ranking was commissioned by WPP. Corona increased its brand value by 29% in the last year to US$6.6 billion, due to the strong financial performance of its parent company and a solid brand positioning which is popular with consumers worldwide.
Viewers also liked (20)
Some of the latest progress for the prevention, diagnosis and treatment of as...
Some of the latest progress for the prevention, diagnosis and treatment of as...
Millward Brown Saudi Arabia - Marketing2020 - Organizing for Growth
Millward Brown Saudi Arabia - Marketing2020 - Organizing for Growth
BrandZ Top 100 Most Valuable Chinese Brands (Chinese Version)
BrandZ Top 100 Most Valuable Chinese Brands (Chinese Version)
Maurice washington open_source_economic_development
Maurice washington open_source_economic_development
Similar to Ch 26 the financial system
Eco 202 ch 26 the financial system
The document discusses key concepts related to the financial system including (1) how the financial system matches savers with borrowers through financial intermediaries like banks and markets, (2) the main types of financial instruments including bonds which are certificates of indebtedness and stocks which represent ownership shares, and (3) how financial markets like stock and bond markets operate with shares being traded and valued based on factors like price, dividends, and P/E ratios.
CBE16 - Funding Sources and Considerations
This document discusses different financing options for craft beverage businesses, including equity, debt, asset-based lending, conventional lending, and SBA loans. It analyzes the risks and costs associated with each option for both the lender and the company. The document also presents three case studies of craft beverage businesses that received loans from Live Oak Bank for equipment purchases, facility expansions, and construction projects. The case studies provide details on the loan amounts, terms, interest rates, and intended use of funds.
Create Your Success
This document provides an overview of World Financial Group (WFG), including their goals, business model, and solutions. Some key points:
- WFG aims to help individuals and families achieve financial security and create a legacy through education and solutions like insurance, annuities, and retirement planning.
- Their business model involves associates conducting a financial needs analysis and presenting customized recommendations to help clients meet their goals.
- They believe many middle-income families lack proper protection or savings strategies and would benefit from guidance on concepts like managing risk and taxes effectively.
- WFG offers solutions like term life insurance, universal life insurance, fixed annuities, and IRAs to help clients save, protect assets,
2585_10.14 Create Your Success US BPM_DIGITAL
WFG provides an overview of their company beliefs and business model. They believe there is a need for financial education and guidance for middle-income individuals. WFG's business platform rewards both personal production and leadership development. Associates can earn income through personal sales, overrides on sales by those they recruit, and promotions. The presentation provides examples of earning potential at different levels. WFG emphasizes core values like integrity, family, and positivity. It encourages attendees to consider if the business could benefit them financially and if they are intrigued by the opportunity.
Create Your Success
The document provides an overview of World Financial Group (WFG), a financial services company that helps people create success through a business opportunity providing financial products and services. WFG believes in helping middle-income individuals and families achieve financial security and independence through education, proper protection, debt management, and wealth building strategies. The presentation outlines WFG's business platform, compensation structure, and values to introduce potential associates to the opportunity of joining WFG either part-time or full-time.
Create Your Success
This document provides an overview of World Financial Group (WFG), including their goals, business model, and solutions. Some key points:
- WFG aims to help people better manage their money through financial education and creating generations of financially secure families.
- Their business model focuses on the underserved middle market through a proven platform and coaching associates to build strong businesses.
- They conduct a needs analysis to help clients establish goals and strategies using solutions like term life insurance, annuities, and retirement/college savings plans.
Kernan-PPT-11-29-12-1
DreamerTopia Investments seeks $1 million in initial funding to launch a private equity fund that will invest in small businesses in high-growth industries like technology, gold mining, and oil/gas. The fund will employ strategies like due diligence and target financially stable companies with strong management. It aims to provide 8% annual returns over 5 years by investing in domestic businesses to stimulate the economy and gain tax benefits. The management team is led by Donald Kernan, who has previous success launching businesses.
Cash receivables management
This document discusses key concepts related to managing cash and receivables. It covers cash needs and considerations, credit policies, evaluating accounts receivable levels, and methods for financing receivables. It also addresses estimating uncollectible accounts, writing off accounts, and making and paying promissory notes. Specific topics include cash requirements, receivable turnover, days' sales uncollected, allowance method for estimating bad debts, percentage of net sales method, accounts receivable aging method, and discounting and factoring receivables.
Optimization Of Capital Structure Of Firm To Improve Profitability Complete Deck
The document discusses ways for a firm to optimize its capital structure to improve profitability. It outlines an agenda to maximize firm value and minimize cost of capital by optimizing the debt ratio. It also discusses raising capital through equity funding such as initial public offerings and leveraged buyouts. The overall impact of optimizing the capital structure on the debt and equity patterns as well as achieving an optimal debt-equity mix is examined. Financial performance is analyzed through the balance sheet, income statement and cash flow.
Understanding savings and investment
A General awareness session designed to give participants a better understanding about savings and various investment options available in the Indian context.
Legal Land Mines: Raising Capital
Starting a new company is hard, but putting in place the right legal framework for your business doesn’t have to be...
Dive deep into the most important issues relating to raising capital for your company with insight from Mick Bain and Janene Asgeirsson, two experts on start-up law from WilmerHale. Having worked with hundreds of entrepreneurs and start-ups, Janene and Mick will answer the questions that you haven't even thought to ask.
What You'll Learn:
Financing structures and terms
How to comply with security regulations
Types of investors to work with and why
G Davies - Business Funding in tough times
Private equity investors look for businesses that have:
- An identifiable competitive advantage or unique selling point
- Strong cash flows and prospects for significant growth within 5 years
- Management able and willing to exploit opportunities for growth
Private equity offers investee companies experience scaling businesses, non-executive directors for advice, and networks to help with growth. An example transaction discussed the private equity purchase and subsequent growth support of an e-learning software company.
Self Storage Training Series Part 3
This document discusses various options for funding self storage facility purchases and deals, including: mortgage brokers, community banks, SBA 7A loans, insurance companies, assumable loans, transactional funding, hedge funds, credit lines, equity in other properties, refinancing existing properties, seller carrybacks, selling existing or personal properties, borrowing against insurance, mezzanine lenders, bringing in a partner, and forming a syndicate. It emphasizes doing deals that still cash flow after funding and exploring many potential sources of capital.
A to z of business growth finance david jw bailey equity deck (feb 2018)
A literal A to Z of advice for early stage companies looking for equity - event supported by Velocity Hub, SEMLEP, NatWest Spark
PRO_CaseStudy_Aspiriant
Aspiriant sought a single marketing agency to handle all of their needs in a consistent manner. Proforma became their go-to agency, designing newsletters, email templates, and print materials while consistently applying Aspiriant's brand standards. Proforma also supported the launch of Aspiriant's pioneering risk-managed global equity fund by crafting messaging, designing websites and financial collateral.
Investment Insights July 2017
Cornerstone Wealth Management's July 2017 "Investment Insights" newsletter, focusing on the Dept. of Labor's Fiduciary Rule, which should reduce conflicts of interest and protect the interests of all investors.
Balancing Risk, Return and Contributions Redington teach-in - 6 may 2014
The document discusses the UK Pensions Regulator's new approach to regulating defined benefit pension schemes, which focuses on balancing risk, return, and employer contributions. The new system will take a more principles-based approach tailored to each scheme's circumstances rather than using fixed triggers. Trustees will need to understand employers' business plans and assess covenant strength. A "balanced funding outcome" will express the contribution level expected for each employer risk segment. The Regulator will monitor schemes' funding levels against these outcomes and other risk indicators to determine if intervention is needed. The presentation explores how trustees can work with employers to develop optimal funding strategies using contributions, investment returns, and liability hedging as leveraged over different timeframes.
A bank for digital startups - Deutsche Handelsbank - NOAH19 London
FinTech & InsurTech: Company presentation by Jens Munk, co-CEO of Deutsche Handelsbank at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
Deutsche Handelsbank is a specialized bank for digital startups and growth companies that accompanies digital startups and growth companies from various industries along their way with growth financing, working capital, banking-as-a-service, and factoring solutions.
STUDY OF DIVIDEND PAYOUT PATTERN OF AUTOMOBILE COMPANIES
The document studies the dividend payout patterns of 5 major automobile companies over 5 years. It analyzes metrics like dividend yield, payout ratio, and debt-equity ratio. The study finds that while companies aim to maintain stable dividend policies, external factors like recessions may cause variations in certain years.
Probate To Distribution Of Assets Case Study
This document outlines a multi-strategy income portfolio designed for a client who recently inherited $15M and needs substantial income immediately. The portfolio includes high yield closed-end equity funds, high yield preferred equity funds, master limited partnerships, real estate investment trusts, high yield corporate closed-end funds, and government closed-end funds. These different strategies are expected to provide an average effective yield of 7.44% while balancing income and capital appreciation. The portfolio was created by an advisor to meet the client's goals of retiring immediately and maintaining their lifestyle with a moderately conservative inheritance.
Similar to Ch 26 the financial system (20)
Optimization Of Capital Structure Of Firm To Improve Profitability Complete Deck
Optimization Of Capital Structure Of Firm To Improve Profitability Complete Deck
A to z of business growth finance david jw bailey equity deck (feb 2018)
A to z of business growth finance david jw bailey equity deck (feb 2018)
Balancing Risk, Return and Contributions Redington teach-in - 6 may 2014
Balancing Risk, Return and Contributions Redington teach-in - 6 may 2014
A bank for digital startups - Deutsche Handelsbank - NOAH19 London
A bank for digital startups - Deutsche Handelsbank - NOAH19 London
STUDY OF DIVIDEND PAYOUT PATTERN OF AUTOMOBILE COMPANIES
STUDY OF DIVIDEND PAYOUT PATTERN OF AUTOMOBILE COMPANIES
More from Gale Pooley
Units States Economic History Lecture 15
This document outlines the key periods in the economic history of the United States from 1776 to the present. It discusses 12 major eras, including the triumph of capitalism from 1865 to 1914 which saw major innovations but also financial panics, as well as the Golden Age of growth from 1945 to 1970 following World War II and the stagflation period of the 1970s. The document provides an overview of the major economic and historical events that defined and impacted different periods of American economic development.
Economic History of the United States - Lecture 9
This document provides a summary of the economic history of the United States, focusing on the development of the petroleum industry:
1) Whale oil was originally used for lighting, but demand increased as whale populations declined, causing prices to rise and spurring the search for alternatives like petroleum.
2) Samuel Kier discovered oil as a byproduct in a Pennsylvania salt mine in the 1840s, leading George Bissell and Benjamin Sillman to experiment with distilling petroleum into useful products like kerosene.
3) In 1859, Colonel Drake drilled the first successful oil well in Titusville, Pennsylvania, launching the American petroleum industry and leading to the development of key petroleum
Econ 1740 Economic History of the U.S. Lecture 7
This document summarizes key topics in economic history and innovation. It discusses major US land acquisitions between 1784-1867 and the dramatic growth in land area. It also profiles Alexander Graham Bell and Thomas Edison, pioneers in telecommunications and electricity. Additionally, it outlines the different "capitals" that drive innovation, including physical, human, intellectual, and financial capital, as well as the roles of inventors, entrepreneurs, and free markets in bringing inventions to market as innovations.
Economic History of the United States - Lecture 4
This document appears to be lecture notes on the economic history of the United States. It includes the following sections: a practice quiz with 3 questions; instructions for a midterm essay assignment; a list of dates, places, and industries; and sections discussing various types of capital including wealth, cultural capital, idea capital, physical capital, human capital, and intellectual capital. Key terms like entrepreneurship, free markets, innovations, property rights, and rule of law are also mentioned in relation to the country's economic development over time.
Economic History of the United States - Lecture 4
This document discusses the economic history of the United States and capitalism in America. It introduces some practice quiz questions about innovators, themes, and early American energy resources. It also discusses different types of capital like physical, human, intellectual, and financial capital. Cultural capital is defined as how people treat each other and is determined by the worldview of leaders, which includes political, legal, and economic factors. Property rights and the rule of law are also mentioned.
Economic History of the United States - Lecture 2
The document discusses markets and how they function. A market is where buyers and sellers can discover value by finding someone better at solving a problem. For a trade to occur, the buyer and seller must have overlapping value ranges at a single agreed upon price. The world has seen tremendous economic growth over the past 200 years as population and life expectancy have increased many times over while per capita income has risen by a factor of over 16. Markets convey information through prices more so than just reporting quantities. Shanghai has rapidly developed from 1990 to 2013.
Economic History of the United States - Lecture 1
This document contains the syllabus and introductory lecture slides for an economics history course taught by Dr. Gale Pooley. The course will cover the economic history of the United States through readings, writing assignments, quizzes and exams. Key concepts that will be discussed include the finite nature of resources requiring correction through innovation and knowledge, with economics defined as the study of how human beings create value through discovering knowledge. A timeline of economic growth from 1 AD to the present day is also included.
Economic History of the United States - Lecture 3
The document discusses key inventions and their impacts on the U.S. economy from 1793 to 2012. It notes Eli Whitney's cotton gin in 1793 increased cotton productivity 50 times. Samuel Morse's telegraph in 1844 connected Washington D.C. It also shows U.S. farmers made up 90% of employment in 1800 but just 2% by 2012, as technology like gasoline engines replaced manual farm labor.
More from Gale Pooley (20)
Recently uploaded
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
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.What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
1.2 Business Ideas Business Ideas Busine
Business Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas Powerpoint
2. Elemental Economics - Mineral demand.pdf
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Earn a passive income with prosocial investing
Invest in prosocial funds that earn you an income while improving the world
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
How will new technology fields affect economic trade?
Seminar: Gender Board Diversity through Ownership Networks
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster
WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster
一比一原版(IC毕业证)帝国理工大学毕业证如何办理
IC毕业证文凭证书【微信95270640】一比一伪造帝国理工大学文凭@假冒IC毕业证成绩单+Q微信95270640办理IC学位证书@仿造IC毕业文凭证书@购买帝国理工大学毕业证成绩单IC真实使馆认证/真实留信认证回国人员证明
如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】
1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
2、面对父母的压力，希望尽快拿到帝国理工大学帝国理工大学毕业证学历书；
3、不清楚流程以及材料该如何准备帝国理工大学帝国理工大学毕业证学历书；
4、回国时间很长，忘记办理；
5、回国马上就要找工作，办给用人单位看；
6、企事业单位必须要求办理的；
面向美国乔治城大学毕业留学生提供以下服务:
【★帝国理工大学帝国理工大学毕业证学历书毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】
【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】
【★真实教育部认证，教育部存档，教育部留服网站可查】
【★真实留信认证，留信网入库存档，可查帝国理工大学帝国理工大学毕业证学历书】
我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助帝国理工大学同学朋友
你做代理，可以拯救帝国理工大学失足青年
你做代理，可以挽救帝国理工大学一个个人才
你做代理，你将是别人人生帝国理工大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会美景更增添一份性感夹杂着一份纯洁的妖娆毫无违和感实在给人带来一份悠然幸福的心情如果说现在的审美已经断然拒绝了无声的话那么在树林间飞掠而过的小鸟叽叽咋咋的叫声是否就是这最后的点睛之笔悠然走在林间的小路上宁静与清香一丝丝的盛夏气息吸入身体昔日生活里的繁忙与焦躁早已淡然无存心中满是悠然清淡的芳菲身体不由的轻松脚步也感到无比的轻快走出这盘栾交错的小道眼前是连绵不绝的山峦浩荡天地间大自然毫无吝啬的展现它的达
Independent Study - College of Wooster Research (2023-2024)
"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.
Recently uploaded (20)
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Applying the Global Internal Audit Standards_AIS.pdf
Applying the Global Internal Audit Standards_AIS.pdf
G20 summit held in India. Proper presentation for G20 summit
G20 summit held in India. Proper presentation for G20 summit
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
Seminar: Gender Board Diversity through Ownership Networks
Seminar: Gender Board Diversity through Ownership Networks
WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster
WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Ch 26 the financial system
- 1. Chapter 26 Saving, Investment, and the Financial System
- 2. I. O. U I OweYou Promises Name Amount Date Signature
- 3. Promissory Note Trading paper for paper I.O. U. 10 SAR Dr. Gale
- 4. Financial System Institutions that match people who save money with people who need money
- 5. Financial Instruments I.O.Us Simple to Complex Relationship Contract
- 6. Financial System Two categories Financial Markets Financial Intermediaries
- 7. Financial Markets Bond Market Stock Market
- 8. Financial Markets Bonds - Borrow - Debt Stocks - Sell Ownerships Equity
- 9. Bond Markets What is a Bond? Certificate of Indebtedness
- 11. Riyadh Pizza Company Saudi Style Supreme
- 12. Riyadh Pizza Company Borrow or Sell ownership shares
- 13. Riyadh Pizza Company Bond 100 Riyals Dr. Gale CEO 10% 2023 Pays 10 Riyals each year Pays 100 riyals at maturity 2014 Coupon 2015 Coupon 2016 Coupon 2017 Coupon 2018 Coupon 2019 Coupon 2020 Coupon 2021 Coupon 2022 Coupon 2023 Coupon
- 14. Bond Term - Length of time Credit Risk - chance of default Tax - How is the interest or profit taxed
- 15. Stock Ownership Share Company sells once Then resold to other buyers Limited Liability No promises of profit Equity position
- 16. Riyadh Pizza Company Need to raise 1,000 SAR Create 1,000 shares and sell for 1 SAR each Each share is worth 1/1,000 of the company
- 17. Riyadh Pizza Company Stock Certificate One Share Dr. Gale CEO Current Share Owner: Prince Alwaleed
- 21. Share Price Every time a share sells it sets the current price Share prices go up and down
- 22. Dividend Company Earnings or Profits Declare dividend Keep - Retained Earnings
- 23. Dividend Earnings: 500 Dividend: 300 Retained Earnings: ?
- 24. Price - Earnings Ratio P/E Ratio Current Share Price divided by Earnings last year
- 25. P/E Ratio Current Share Price: 75 Earnings last year: 5 P/E Ratio: ?
- 26. P/E Ratio Price Last Sale Earnings Last 12 months P/E Ratio Equation Earnings x P/E Ratio Price ÷ P/E Ratio Price ÷ Earnings Apple 460 44 Google 792 24.8 STC 12.4 10.45 31.93 62
- 29. Banks Savers Borrowe rs Bank Pays 5% Bank Charges 7% Make money on spread 7% - 5% = 2%
- 30. We are rich today because people yesterday were willing to save and not consume
- 31. Mutual Funds Allows small investors to pool and diversify their savings
- 32. 460 792 40 small savers 323 small savers 323 small savers 323 small savers 323 Mutual FundTotal:1292
- 33. Index Fund Buy one share of all the companies in the market Tadawul All Share Index (TASI)
- 34. Exchange Indexes Dow Jones Industrial Average (DJIA) 30 biggest U.S. Companies S&P 500 500 biggest U.S. companies Tadawul All Share Index (TASI)
- 35. 0% 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 0 100 200 300 400 500 600 700 800 900 1000 Interest Profit Rate % Loanable Funds Supply Demand Market for Loanable Funds
- 36. Intellectual Financial Physical Human Culture Entrepreneur trust knowledge skills personality health relationships natural resources time buildings equipment things than make things money and risk savers and borrowers time is money (1+r)n insurance limited liability corporations ideas technology methods