Giving to others tends to be forgotten when creating resolutions. However, their impact on you and others can be more significant than pursuing the more common resolutions.
Good vs. Bad Spending - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Navigating Income Loss - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Navigating Income Loss - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Good vs. Bad Spending - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Navigating Income Loss - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Navigating Income Loss - It's a Money ThingTim McAlpine
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
“Doing the tough things sets winners apart from losers.” ― Stephen Richards
Importance of time management is a reality that cannot be contested in the work world today. The time management tips contained in this presentation focuses on the importance of goal setting and prioritization as powerful time management activities.
Goals ~ To be successful, you must have measurable goals to guide you.Denise Fleming
What are measurable goals? How can they help me be successful? Long term and short term goals will help you stay on task. Goals are realistic expectations of yourself.
Ammad awan glasgow - personal financial planningAmmadAwanGlasgow
Ammad Awan Glasgow is also responsible for ensuring that profitable sales volume and strategic objective targets are met for the assigned key accounts.
“Doing the tough things sets winners apart from losers.” ― Stephen Richards
Importance of time management is a reality that cannot be contested in the work world today. The time management tips contained in this presentation focuses on the importance of goal setting and prioritization as powerful time management activities.
Goals ~ To be successful, you must have measurable goals to guide you.Denise Fleming
What are measurable goals? How can they help me be successful? Long term and short term goals will help you stay on task. Goals are realistic expectations of yourself.
Ammad awan glasgow - personal financial planningAmmadAwanGlasgow
Ammad Awan Glasgow is also responsible for ensuring that profitable sales volume and strategic objective targets are met for the assigned key accounts.
Digging for Goals workshop provides a fundamental framework for setting goals. Get "SMARTER"!
S = Specific
M = Measurable
A = Agreed * Attainable * Achievable
R = Realistic
T = Time-Bound
E = Ethical
R = Recorded
Inspiring thoughts included!
8 Expert Tips To Raise $10K+ On FacebookBloomerang
https://bloomerang.co/resources/webinars/
Sean Kosofsky will show you eight tips that will dramatically increase the number of dollars you raise on Facebook.
Success is goals and all else is commentary
Success is goals and all else is commentary. This is the great discovery throughout all of human history.
Your life only begins to become a great life when you
1. Clearly identify what it is that you want,
2. Make a plan to achieve it and then
3. Work on that plan every single day.
“The primary reason for failure is that people do not develop new plans to replace those plans that didn’t work.”
The three turning points in my life were these:
First
Discover Self.
I discovered that I was responsible for my life, and for everything that happened to me.
I learned that this life is not a rehearsal for something else. This is the real thing.
In every study of successful people, the acceptance of personal responsibility seems to be the starting point.
Before that, nothing happens. After you accept complete responsibility, your whole life begins to change.
Second
Discovery of goals.
The second turning point for me, which came when I was 24 years old, was my discovery of goals.
Without really knowing what I was doing, I sat down and made a list of 10 things I wanted to accomplish in the foreseeable future. I promptly lost the list. But 30 days later, my whole life had changed. Almost every goal on my list had already been achieved or partially achieved. The third turning point in my life came when I discovered that
“You can learn anything you need to learn to accomplish any goal you can set for yourself.”
Third
No one is smarter than you and no one is better than you.
All business skills, sales skills and moneymaking skills are learnable. Everyone who is good in any area today was once poor in that area. The top people in every field were at one time not even in that field and didn’t even know that that field existed. And what hundreds of thousands of other people have done, you can do as well.
The Goal-Setting Process 1.
Decide exactly what you want in every key area of your life.
Start off by Idealizing. Imagine that there are no limitations on what you can be, have or do. Imagine that you have all the time and money, all the friends and contacts, all the education and experience that you need to accomplish any goal you can set for yourself. Imagine that you could wave a magic wand and make your life perfect in each of the four key areas of life. If your life was perfect in each area, what would it look like?
1. INCOME – how much do you want to earn this year, next year and five years from today?
2. FAMILY – what kind of a lifestyle do you want to create for yourself and your family?
3. HEALTH – how would your health be different if it was perfect in every way?
4. NET WORTH – how much do you want to save and accumulate in the course of your working lifetime?
Three Goal Method – in less than 30 seconds, write down your three most important goals in life, right now.
Write quickly. Whatever your answer to this “Quick List Method
This paper assesses the feasibility of launching a Micro Saving and Lending(MSL) product by CBE. It found that launching a Micro Saving and Lending(MSL)product is feasible due to the low status of, and high demand for banking digitally in Ethiopia. Micro Saving and Lending(MSL) is a mobile based banking service going to be provided by CBE through CBE Birr. It has banking products that provide convenience, reliability and cost-effective for making micro-saving and taking micro loans. The target customers for this service are all CBE Birr customers. The services provided by MSL are deposit, withdrawal, loan request, loan repayment, balance enquiry, and mini statement.
The following four major business drivers for the introduction of MSL banking service are there. First, CBE has introduced a new customer-centric business model and organizational structure to provide effective service based on customer segment and demand. Second, the National Digital 2025 plan emphasizes the significance of nurturing the small but promising existing ecosystem of digitally enabled society. Third, the internet user ratio of the Ethiopian population is increasing with very high rate, data show that Ethiopia’s internet user population increased by 731 (+2.5 percent) between 2021 and 2022. Fourth, larger part of the Ethiopian society is unbanked and new technologies such as mobile wallet could boost financial inclusion. Finally, the area of banking completion has been through the digital banking.
As per different research finding digital banking is gaining maximum popularity and the banking competition in this area is reaching its toughest stage. Commercial banks, the Cooperative Bank of Oromia, Fin-techs, and Telecommunication companies are getting into the business and are becoming potential competitors. This assessment it has tried to recommend for launching a digital micro saving and lending services and products for the bank’s CBE Birr customers by implementing the best risk-mitigating mechanism with open credit scoring mechanisms, cash flow-based loaning, and psychometric testing method.
CBE has the motivating potential and capabilities to establish the digital saving and lending services effectively, efficiently, and sufficiently. Firstly, it accounts for nearly 50% of the total assets and market share of the banking system and follows a customer-centric service delivery strategy which could help to provide digital micro saving and lending service. Secondly, the NBE National Financial Inclusion Strategy II, (2021-2025), has the vision to create a financially inclusive Ethiopia, which helps to get regulators’ support. Thirdly, it is forming partnerships with different international and domestic (public, development, and government) organizations to improve its capacity to manage the program.
Indeed, CBE should allocate a significant percentage of its asset to start the digital micro saving and lending service to improve its credit portfolio diversification, ex
Digital 2022: Ethiopia
This page contains all the data, insights, and trends you need to help you understand how people in Ethiopia use connected devices and services in 2022.
You’ll find our complete Digital 2022 report on Ethiopia in the “full report” section below, but let’s start by taking a look at the essential headlines for digital adoption and use in Ethiopia this year.
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Ethiopia’s population in 2022
Ethiopia’s total population was 119.3 million in January 2022.
Data show that Ethiopia’s population increased by 2.9 million (+2.5 percent) between 2021 and 2022.
50.0 percent of Ethiopia’s population is female, while 50.0 percent of the population is male.
At the start of 2022, 22.7 percent of Ethiopia’s population lived in urban centres, while 77.3 percent lived in rural areas.
Note: gender data are currently only available for “female” and “male”.
Ethiopia’s population by age
The median age of the population in Ethiopia is 19.9.
For additional context, here’s a look at how the population in Ethiopia breaks down by age group:
• 14.3 percent of Ethiopia’s population is between the ages of 0 and 4.
• 20.3 percent of Ethiopia’s population is between the ages of 5 and 12.
• 11.3 percent of Ethiopia’s population is between the ages of 13 and 17.
• 14.5 percent of Ethiopia’s population is between the ages of 18 and 24.
• 15.5 percent of Ethiopia’s population is between the ages of 25 and 34.
• 10.0 percent of Ethiopia’s population is between the ages of 35 and 44.
• 6.5 percent of Ethiopia’s population is between the ages of 45 and 54.
• 4.0 percent of Ethiopia’s population is between the ages of 55 and 64.
• 3.6 percent of Ethiopia’s population is aged 65 and above.
Note: percentages may not sum to 100 percent due to rounding.
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Internet use in Ethiopia in 2022
There were 29.83 million internet users in Ethiopia in January 2022.
Ethiopia’s internet penetration rate stood at 25.0 percent of the total population at the start of 2022.
Kepios analysis indicates that internet users in Ethiopia increased by 731 thousand (+2.5 percent) between 2021 and 2022.
For perspective, these user figures reveal that 89.50 million people in Ethiopia did not use the internet at the start of 2022, meaning that 75.0 percent of the population remained offline at the beginning of the year.
However, issues relating to COVID-19 continue to impact research into internet adoption, so actual internet user figures may be higher than these published numbers suggest (see here for further details).
For the latest insights into internet adoption and use around the world, follow our regular Global Statshot reports.
Go global: see how Ethiopia’s current “state of digital” compares with connectivity in other countries by reading our flagship Digital 2022 Global Overview Report, which includes hundreds of slides of global digital data, and our in-depth analysis of what these numbers might mean for you.
Internet connection speeds in Ethiopia in 2022
Data
Effective One-on-One Meetings with Employees - By Liza WisnerLiza Wisner
Tools to Use:
1. The DELTA Meeting
2. Level 10 City Champion
The DELTA Meeting is a great tool to use if you want to conduct effective one-on-one meetings with your employees. It shows your dedication to employee engagement, leadership development, teamwork, and attention to detail.
The Level 10 City Champion Chart is a concept derived from the book "The Miracle Morning" by Hal Elrod. He explains, "If we’re measuring our levels of success/satisfaction in any area of our lives, we all want to be living our best lives at a ‘Level 10’ in each area. Creating your ‘Level 10 Life’ begins with creating an honest assessment of where you are."
Kakeibo, pronounced "kah-keh-boh,“ is officially a “budgeting journal used to set savings goals and spend wisely”.
It hit the headlines in 1904, when it was promoted as a way for housewives to manage budgets.
The Japanese government encouraged the idea, to help people save
Kakeibo makes you plan how much to spend beforehand rather than writing down what you spent .
At the beginning of each month, you’re meant to sit down and think about:
How much you have to spend ?
How much you want to save ?
What you need to do to reach your goals ?
During the month, you track the money coming in and going out.
Then at the end of each week and month, you
Add up what you’ve spent,
Check if you are meeting your savings goals, and
Think about how you can improve in future.
APNIC Foundation, presented by Ellisha Heppner at the PNG DNS Forum 2024APNIC
Ellisha Heppner, Grant Management Lead, presented an update on APNIC Foundation to the PNG DNS Forum held from 6 to 10 May, 2024 in Port Moresby, Papua New Guinea.
2.Cellular Networks_The final stage of connectivity is achieved by segmenting...JeyaPerumal1
A cellular network, frequently referred to as a mobile network, is a type of communication system that enables wireless communication between mobile devices. The final stage of connectivity is achieved by segmenting the comprehensive service area into several compact zones, each called a cell.
Instagram has become one of the most popular social media platforms, allowing people to share photos, videos, and stories with their followers. Sometimes, though, you might want to view someone's story without them knowing.
1.Wireless Communication System_Wireless communication is a broad term that i...JeyaPerumal1
Wireless communication involves the transmission of information over a distance without the help of wires, cables or any other forms of electrical conductors.
Wireless communication is a broad term that incorporates all procedures and forms of connecting and communicating between two or more devices using a wireless signal through wireless communication technologies and devices.
Features of Wireless Communication
The evolution of wireless technology has brought many advancements with its effective features.
The transmitted distance can be anywhere between a few meters (for example, a television's remote control) and thousands of kilometers (for example, radio communication).
Wireless communication can be used for cellular telephony, wireless access to the internet, wireless home networking, and so on.
Meet up Milano 14 _ Axpo Italia_ Migration from Mule3 (On-prem) to.pdfFlorence Consulting
Quattordicesimo Meetup di Milano, tenutosi a Milano il 23 Maggio 2024 dalle ore 17:00 alle ore 18:30 in presenza e da remoto.
Abbiamo parlato di come Axpo Italia S.p.A. ha ridotto il technical debt migrando le proprie APIs da Mule 3.9 a Mule 4.4 passando anche da on-premises a CloudHub 1.0.
1. Leaders set goals. But they often set only one type of goal, and in so
doing they set themselves up for failure. Here is the complete tool kit.
1) Achievement goals – These describe results that you will have when you
finish the goal. Examples include: retire with a million dollars at age
65, earn a promotion by June, increase sales by 5%. Most major goals are
achievement goals.
2) Action http://bit.ly/3pmF7Pv – These describe specific actions that
you will take to accomplish achievement goals. Examples include: meet
with an investment counselor, attend a workshop to learn new job skills,
contact all of the prospects in the database.
3) Layered http://bit.ly/3pmF7Pv – These specify the same goal with
different levels of priority and difficulty. Example: Top Priority: Read
one book each moth, Medium Priority: Read two books each month. Low
Priority: Read three books each month. Use layered goals to stretch your
performance beyond minimum achievements.
4) Rate http://bit.ly/3pmF7Pv – These specify actions repeatedly done
over time. Examples include: Read two books per month, exercise three
times per week, or write in a journal every day. Many personal growth
activities can be performed as rate goals.
5) Limit http://bit.ly/3pmF7Pv – These set boundaries. Examples include:
Spend less than $5,000 on new equipment, go to bed before 10 PM each
night, take less than 45 minutes for lunch while at work. These help
manage priorities.
6) Exclusion http://bit.ly/3pmF7Pv – These state things that you will not
do. Examples include: Do not watch TV after 8 P.M., do not use a cell
phone when with other people, do not eat junk foods. These help you
decide in advance which activities you will avoid.
7) Incredible http://bit.ly/3pmF7Pv – These goals are highly optimistic,
far fetched, or uncommonly aggressive. Examples include: Become CEO of a
major corporation, write a best selling novel, or win a Nobel prize.
These describe visions of ultimate success. If you set such goals, always
supplement them with other more immediate and achievable goals that help
you make progress toward these dreams. The start of a new year is
traditionally a time to reflect on the previous year. It is also a time
to establish new resolutions. Popular resolutions include losing weight,
getting more fit, getting out of debt, and making more money.
Giving to others tends to be forgotten when creating resolutions.
However, their impact on you and others can be more significant than
pursuing the more common resolutions.
What are some resolutions related to giving that you can consider as you
pursue your own? Consider the following examples:
Increase your financial giving to church and charities.
Increase your time donated to important causes.
Write and send an encouraging note at least weekly.
Smile and greet the first people you meet every morning.
2. Perform an act of kindness at least weekly.
Search the house for unused, unneeded items and donate them for others to
use.
Increase the number of people you share your faith with.
Donate your blood multiple times during the year.
Determine your life purpose.
Your list needs to be unique to you. Use the above items only as a
starting point in determining your own.
Be sure to set resolutions for yourself for the upcoming year that will
help make a difference in the world. It will provide a special
significance throughout the new year as you fulfill these important
resolutions. set this unique goal start billing your dreams be an action
taker start here,, http://bit.ly/3pmF7Pv