This document provides an overview of financial literacy and the state of personal finances in America. It discusses that the average American family spends more than they earn and many struggle with debt. It then covers various aspects of personal finance like budgeting, savings, debt management, taxes, and risk management. The goal is to educate people on basic financial concepts and help them achieve their financial goals through prudent financial decisions.
It’s no secret that postsecondary education is an investment, but do you find yourself asking how much it will really cost and wondering how you will pay for it?
We’ll help you determine the true cost of education after high school and go over all your options for payment – from scholarships and grants to financial aid and student loans. We’ll also cover the topic of timing – when you should begin looking into your options and what to expect from the application process.
Creating a budget is Part 2 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
It’s no secret that postsecondary education is an investment, but do you find yourself asking how much it will really cost and wondering how you will pay for it?
We’ll help you determine the true cost of education after high school and go over all your options for payment – from scholarships and grants to financial aid and student loans. We’ll also cover the topic of timing – when you should begin looking into your options and what to expect from the application process.
Creating a budget is Part 2 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Importance of understanding your finances, your income and understanding your pay stub are covered in Part 1 of the of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...Danny Singh, M.B.A., MSEd
Danny Singh is the teen who refinanced his mom's house and car at 14 and has never been late on any type of bill for the past 8 years. He now hopes to raise the awareness of the student loans crisis and teach consumers the most effective methods to repay their debts in months instead of years while having enough money for everyday expenses and retirement. For this reason, he is doing financial seminars and has published a book titled "Finance 101: The Whiz Kid's Perfect Credit Guide." All profits are donated to the Children's National Medical Center for HIV treatment research. Danny has been recognized by Governor Rick Perry, First Lady Anita Perry, Seminole County Commissioner Bob Dallari, Florida State Representative Jason Brodeur, and Senator Marco Rubio. Please contact him using www.facebook.com/studentsfinance. Thank you.
Finding the right bank account, understanding options and fees are covered in Part 3 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Nine Locations | Four CPE hours FREE for SCACPA Members
Get current on the most significant issues affecting the CPA profession in these interactive, multimedia programs held exclusively for members of the South Carolina Association of CPAs. Providing four hours of FREE CPE, these events will give you up-to-date information, insight and analysis.
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Importance of understanding your finances, your income and understanding your pay stub are covered in Part 1 of the of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Danny Singh's Financial Seminar on the Student Loans and Credit Crisis in Ame...Danny Singh, M.B.A., MSEd
Danny Singh is the teen who refinanced his mom's house and car at 14 and has never been late on any type of bill for the past 8 years. He now hopes to raise the awareness of the student loans crisis and teach consumers the most effective methods to repay their debts in months instead of years while having enough money for everyday expenses and retirement. For this reason, he is doing financial seminars and has published a book titled "Finance 101: The Whiz Kid's Perfect Credit Guide." All profits are donated to the Children's National Medical Center for HIV treatment research. Danny has been recognized by Governor Rick Perry, First Lady Anita Perry, Seminole County Commissioner Bob Dallari, Florida State Representative Jason Brodeur, and Senator Marco Rubio. Please contact him using www.facebook.com/studentsfinance. Thank you.
Finding the right bank account, understanding options and fees are covered in Part 3 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Nine Locations | Four CPE hours FREE for SCACPA Members
Get current on the most significant issues affecting the CPA profession in these interactive, multimedia programs held exclusively for members of the South Carolina Association of CPAs. Providing four hours of FREE CPE, these events will give you up-to-date information, insight and analysis.
Delivered by Terry Geter of Lifewealth group, this financial crisis powerpoint presentation is a good resource when facing the challenge of managing debt . These principles work for anyone, however special attention has been given to Biblical reference in in determining the strategies of success
Compound Interest & Rule of 72
Biggest Wealth Killer
High Cost of Waiting
Unnecessary Transfers
Opportunity Costs
Be The Bank
Eleven Ways to “Find” the Money
The REAL Retirement Miracle
Compound Interest & Rule of 72
Biggest Wealth Killer
High Cost of Waiting
Unnecessary Transfers
Opportunity Costs
Be The Bank
Eleven Ways to “Find” the Money
The REAL Retirement Miracle
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Unit 8 - Information and Communication Technology (Paper I).pdf
Common Sense for Your Dollars and Cents | SC Association of CPAs Financial Literacy Outreach Initiatives
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2. What Is Financial Literacy? Formal Definition: The ability to effectively evaluate and manage one’s finances in order to make prudent decisions toward reaching life’s goals. More simply: Knowing what you need to know to achieve your financial goals, or common sense with your dollars and cents. What we will cover: Money and savings Budgeting (AKA cash flow) Debt/risk management Taxes/basic financial concepts
3. America’s financial literacy American families: The average American family spends $1.22 for every dollar it earns. One in five American families with annual household income of less than $50,000 is spending 40% of after-tax income to service its debt. In 2003, the average American household owed over $8,000 in credit cards, compared to $2,600 in 1989. In 2005, over 2 million Americans filed for bankruptcy – the highest amount in history.
4. America’s financial literacy American families: (continued) Only 26% of teens understand how card interest and fees work. (2007 Charles Schwab Teens & Money Survey) The average college senior will graduate with $4,100 in credit card debt before they even have a job. (Sallie Mae’s 2009 National Study of Usage Rates and Trends) Nearly 20% of bankruptcy filers are college students. (Sallie Mae’s 2009 National Study of Usage Rates and Trends)
5. Money and Savings Time is money Continuous education Savings and the power of compounding interest “Make all you can, save all you can, give all you can.”- John Wesley
6. Money and Savings Time is money How many hours do you need to work to pay for your rent/mortgage, car insurance, electricity bills, extras, etc? Paid $10/hr Rent is $200 Food is $100 Electric $50 If I make $10 hr then I will need to work 35 hours in order to pay out $350 that is due for that week.
7. Money and Savings Continuing Education Congratulations! The other side of the time equation More knowledge/skills = greater pay You will either learn to manage money, or the lack of it will always manage you! "All days are not same. Save for a rainy day. When you don't work, savings will work for you." - M.K. Soni
8. Money and Savings The power of compounding interest “Get Rich Quick” never works. You will lose your money. Saving faithfully over time will always build wealth – it just takes a little while (and patience) The story of Ben and Arthur: Both save $2,000 per year at 12%. Ben starts at age 19 and stops at age 26, while Arthur starts at age 27 and stops at age 65. At age 65, Ben has more than $2.2 million, while Arthur has only $1.5 million.
9. Savings and Investing –8 Simple Strategies Start small Contribute to your retirement plan Save through payroll deduction plans Round up your mortgage Bank your raises Keep paying off a loan Pay off your credit cards Keep track of where the money goes "Money grows on the tree of patience." Proverb
10. Budgeting AKA Cash Flow Management Budgeting Prioritizing “Life is like a coin you can spend it only once. Choosing one thing over all the rest throughout life is a difficult thing to do. This is especially true when the choices are so many and the possibilities are so close.” - Chuck Swindoll You can only spend what you have if you want to reach your financial goals.
15. Communication (with family, spouse, roommate or partner)Today, there are three kinds of people: the have's, the have-not's, and the have-not-paid-for-what-they-have's. -Earl Wilson
16. Budgeting Gross monthly income Net income Fixed expenses Flexible expenses Discretionary expenses Total it up Increase your savings A nickel ain't worth a dime anymore. -Yogi Berra
22. Debt Traps: Pay Day Loans, Title Loans, and Six month no interest credit card scamsIt is an unfortunate human failing that a full pocketbook often groans more loudly than an empty stomach. -Franklin Delano Roosevelt
23. Steps to Getting Out of Debt Stop using credit cards and other types of credit Have a cash flow plan Save $500 - $1000 for emergencies Sell something to pay off a debt Use money from a part-time job or overtime to payoff debt Develop a plan to pay off your debt
24. Plan for Paying off Debt List your debts starting with the smallest first Make the minimum payments each month on each debt except for the smallest one Pay more than the minimum on the smallest debt until it is paid off Once the smallest debt is paid off, add that payment amount to the next debt on the list so that you are paying more than the minimum payment Continue until all debts are paid off
29. Review your statementsReport a lost or stolen card immediately Protect personal information Pay on time Avoid cash advances Protect your credit history If you think nobody cares if you're alive, try missing a couple of car payments. -Earl Wilson
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31. The borrower gives the lender a postdated check or other authorization to repay the loan on payday
32. On payday, the borrower must repay the loan, plus pay a fee, but is also given the option to renew the loan
33. The borrower is led to believe that he is receiving more money and the new fees applied are not explained until the debt amount is unmanageable and the borrower is trapped
34. Pay Day lenders target low-income workers living paycheck to paycheck
35. 91% of Pay Day loans are renewed 5 times or more
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37. On pay day you go to payoff the loan. You are offered a renewal of the $300 loan
62. With a credit score between 620 and 650 you will probably need to provide more information to get a loan
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64. Risk Management Insurance Health insurance (If nothing else, high deductible plan) Life insurance (If married & have kids) Long-term disability insurance Auto insurance Home owners insurance Identity theft protection
65. Taxes: RALs RALs (Rapid Anticipation Loans) Provide a check for tax payers with in 24 to 48 hrs. However some portion of the checks are not available for 10 to 15 days. Charges for RALs can range from ($250 -$500) $25 Bank Fee 36% Interest $110 to $160 Does not include the cost to cash the check for those who do not have a checking account.
66. Alternative Programs VITA (Volunteer Income Tax Assistance Program) LITCs (Low Income Taxpayer Clinics) Focusing your life solely on making a buck shows a poverty of ambition. It asks too little of yourself. And it will leave you unfulfilled.- Barack Obama
67. VITA Volunteer program provided by the IRS and SCDOR The program is intended for anyone with income under $49,000 a year that is unable to prepare their own return. Only basic returns; complicated returns, such as those with business are not eligible for this program. Can receive money into a bank account in 10-15 days.
68. LITCs Provided by non-profit organizations with partial funding from the IRS. Represent low income taxpayers before the Internal Revenue Service and assist taxpayers in audits appeals and collections. Also assist provide tax assistance for people who speak English as a second language. Assistance is free or nominal cost.
69. Financial literacy education Lifelong learning courses Financial media Internet resources Your CPA Can anybody remember when the times were not hard and money not scarce? - Ralph Waldo Emerson
70. For more information www.360financialliteracy.org features financial education to help consumers make more informed financial decisions through every stage of life.
No interest for six months - 80% of people do not pay off in time or on time and they go and back date all interest and finance charges. Refer back to slide on 6% and 18% House & Credit Card companies building.
Importance of an emergency fund: start with $500 to $1000. If less than 20k a year $500.What happens?Car brakes downLose your jobMedical expensesAppliance breaksAccording to Money Magazine 80% of people with have a major unexpected expense of $5,000 to $10,000 in any given 10 year period.Out of 2- Million Bankruptcies - Only 9% did not loss a job, have medical event, or a divorce.2 out 3 lost their jobs “The Fragile middle class: American’s in debt” Written by Elizabeth Warren, Harvard Law School