This document provides information about mortgages and strategies for paying off a mortgage more quickly. It discusses how the typical 30-year mortgage results in paying much more in interest over the life of the loan. The document then presents strategies for paying off a 30-year mortgage in as little as 8-14 years by making additional principal payments without increasing monthly payments. These strategies can save tens of thousands of dollars in interest costs over the life of the loan.
This document discusses options for paying off a mortgage more quickly. It shows that on average, clients can pay off a 30-year mortgage in 8-14 years by making additional principal payments without increasing their monthly payments. It also compares the total interest paid over 12, 25, and 30 years for a $200,000 mortgage. Finally, it provides an example of using a line of credit as a checking account to funnel extra income towards the principal each month.
David M. Schreck, MD, FACEP, FACP, FHM , Chairman, Department of Emergency Medicine at Summit Medical Group provided this presentation on health care trends as part of a community lecture series on the Berkeley Heights, NJ campus. The presentation explains the impact on patient care and how to navigate the system.
This document outlines projections for potential earnings through a company called Qnanza. It shows that with 0.6 new accounts per day, one could earn $1,200 in new commissions per month plus recurring monthly renewal commissions that grow each month as the number of renewing accounts increases. Over a 12 month period, total commissions could reach $41,715 including new, renewal, and binary cycle bonuses of $200 for every 200 points on the right and left sides. A disclaimer notes that this is a hypothetical example and not a guarantee of actual income.
$250,000 Total Mortgage Costs Analysis!Peter Boyle
This document analyzes the total costs of four different mortgage plans for Caren Conforming to purchase a home for $250,000. It compares the monthly payments, total interest and principal paid, equity gained, and net costs over 10 and 15 years for an FHA fixed plan, 5% down conventional, 10% down conventional, and 20% down conventional plan. Based on the assumptions, the analysis finds that the 20% down conventional plan results in the lowest total costs, highest equity and net worth gains over 10 and 15 years, and allows reaching financial freedom the soonest.
This document analyzes the total costs of different mortgage plans for a homebuyer. It compares an FHA fixed loan, conventional loans with 5%, 10%, and 20% down, outlining details like loan amount, interest rate, monthly payment, and total costs over time. The analysis finds that a conventional 20% down loan would result in the lowest long-term costs and allow the homeowner to reach financial independence or "Freedom Point" the soonest.
- Google reported 24% year-over-year revenue growth and 1% quarter-over-quarter growth in Q1 2012 to $10.6 billion.
- Revenue from Google properties increased 24% year-over-year while remaining flat quarter-over-quarter.
- International revenues reached $5.8 billion, accounting for 46% of total revenues.
- Operating income was $3.4 billion under GAAP and $3.9 billion non-GAAP, representing operating margins of 32% and 38% respectively.
The document discusses the power of tax-deferred compounding growth over long periods of time for retirement savings in accounts like IRAs. It shows examples of how even small annual contributions can grow substantially with compound interest over 30 years and result in much higher balances in tax-deferred accounts compared to taxable accounts. The document also outlines different types of tax-deferred accounts and investments that can be used for long-term retirement savings and planning.
The document contains a homework assignment with 5 multiple choice questions regarding financial concepts such as loan amortization, interest rates, present and future value, and calculating savings needed for college tuition. Key details include how interest rates and time periods impact loan payments, the effective annual rate difference between two loan offers, using the future value and present value formulas to calculate savings amounts, and determining the annual savings needed to cover increasing college costs.
This document discusses options for paying off a mortgage more quickly. It shows that on average, clients can pay off a 30-year mortgage in 8-14 years by making additional principal payments without increasing their monthly payments. It also compares the total interest paid over 12, 25, and 30 years for a $200,000 mortgage. Finally, it provides an example of using a line of credit as a checking account to funnel extra income towards the principal each month.
David M. Schreck, MD, FACEP, FACP, FHM , Chairman, Department of Emergency Medicine at Summit Medical Group provided this presentation on health care trends as part of a community lecture series on the Berkeley Heights, NJ campus. The presentation explains the impact on patient care and how to navigate the system.
This document outlines projections for potential earnings through a company called Qnanza. It shows that with 0.6 new accounts per day, one could earn $1,200 in new commissions per month plus recurring monthly renewal commissions that grow each month as the number of renewing accounts increases. Over a 12 month period, total commissions could reach $41,715 including new, renewal, and binary cycle bonuses of $200 for every 200 points on the right and left sides. A disclaimer notes that this is a hypothetical example and not a guarantee of actual income.
$250,000 Total Mortgage Costs Analysis!Peter Boyle
This document analyzes the total costs of four different mortgage plans for Caren Conforming to purchase a home for $250,000. It compares the monthly payments, total interest and principal paid, equity gained, and net costs over 10 and 15 years for an FHA fixed plan, 5% down conventional, 10% down conventional, and 20% down conventional plan. Based on the assumptions, the analysis finds that the 20% down conventional plan results in the lowest total costs, highest equity and net worth gains over 10 and 15 years, and allows reaching financial freedom the soonest.
This document analyzes the total costs of different mortgage plans for a homebuyer. It compares an FHA fixed loan, conventional loans with 5%, 10%, and 20% down, outlining details like loan amount, interest rate, monthly payment, and total costs over time. The analysis finds that a conventional 20% down loan would result in the lowest long-term costs and allow the homeowner to reach financial independence or "Freedom Point" the soonest.
- Google reported 24% year-over-year revenue growth and 1% quarter-over-quarter growth in Q1 2012 to $10.6 billion.
- Revenue from Google properties increased 24% year-over-year while remaining flat quarter-over-quarter.
- International revenues reached $5.8 billion, accounting for 46% of total revenues.
- Operating income was $3.4 billion under GAAP and $3.9 billion non-GAAP, representing operating margins of 32% and 38% respectively.
The document discusses the power of tax-deferred compounding growth over long periods of time for retirement savings in accounts like IRAs. It shows examples of how even small annual contributions can grow substantially with compound interest over 30 years and result in much higher balances in tax-deferred accounts compared to taxable accounts. The document also outlines different types of tax-deferred accounts and investments that can be used for long-term retirement savings and planning.
The document contains a homework assignment with 5 multiple choice questions regarding financial concepts such as loan amortization, interest rates, present and future value, and calculating savings needed for college tuition. Key details include how interest rates and time periods impact loan payments, the effective annual rate difference between two loan offers, using the future value and present value formulas to calculate savings amounts, and determining the annual savings needed to cover increasing college costs.
There are four primary sources that provide data on the number of travel agents and agencies in the US: the US Census Bureau, Bureau of Labor Statistics, ARC data, and research firms/trade publications. The Census Bureau data shows there were around 27,000 travel agency firms and locations in 1992, declining to around 15,000 firms and locations by 2009. BLS data found around 124,000 travel agents in 2000 declining to around 71,000 by 2010, with average salaries rising from $26,600 to $33,950 over this period. Research firms like PhoCusWright also report on the size of the travel industry.
Real Estate Investment - Kansas City Cash-Flow DuplexesMarco Santarelli
This document provides information about an investment opportunity involving 26 townhome units located in Blue Springs, Missouri, which is part of the Kansas City metro area. Key details include that the townhomes are tenant-ready and generate positive cash flow. The area has a strong rental market with high rents and low vacancy. The investment is described as having potential for strong returns through cash flow, equity growth, and appreciation over time.
Copy Tested Of Imc09 Payback Analysis Jc 072209ccaywood
This document compares the lifetime costs and earnings of obtaining an IMC degree versus not obtaining one. It shows that with an IMC, earnings increase more quickly, reaching the ROI payback goal of 25% by year 9. Without an IMC, earnings rise more slowly and the payback goal is never reached. Changing assumptions like tuition costs and time to complete the program can impact the break-even year.
Public Service Loan Forgiveness November 2011Alisa Rosales
The document provides information about two federal student loan repayment programs: Public Service Loan Forgiveness and Income-Based Repayment. It summarizes the key eligibility requirements and benefits of each program, including that Public Service Loan Forgiveness forgives the remaining loan balance after 120 qualifying monthly payments over 10 years for borrowers working in public service jobs, while Income-Based Repayment forgives any remaining balance after 25 years of repayment for all eligible borrowers. It also discusses factors that determine repayment amounts under Income-Based Repayment and lists resources for more information.
This document contains confidential and proprietary information regarding health insurance plans and benefits. It discusses increasing premium costs, potential savings from locking in premium rates, common causes of death in Americans, types of coverage included in various plans such as health insurance, accident, critical illness, and hospital confinement. It provides examples of claims and out of pocket costs. Finally, it compares fully insured versus Careington dental plans and includes a Careington dental benefits schedule.
Andre Pires opened an auto parts store called Quickfix Auto Parts in 1997. While sales grew significantly in early years as he expanded, recent financial reports showed losses. Worried about future funding needs, Andre recruited an MBA intern, Juan Plexo, to analyze the finances and identify issues preventing profitability. Juan reviewed financial statements showing growing inventory, expenses, and debt with declining cash flows and profits. Andre hoped Juan could recommend remedial actions to convince lenders of the store's viability.
This annual report document summarizes the financial highlights and performance of Pulte Homes for the years 1999-2003. Some key points:
- Revenues and income from continuing operations reached record levels in 2003 of $9.0 billion and $617 million, respectively.
- Earnings per share increased 36% to $4.91 in 2003, while book value per share grew 22% to $27.55.
- Domestic homebuilding operations drove overall growth, with settlement revenues increasing 21% to $8.7 billion in 2003.
- The company is pursuing four business initiatives to further improve performance: expanding market share through segmentation, achieving greater operational excellence, developing employees, and maintaining financial discipline.
Ecolab is a leading global developer and marketer of cleaning, sanitizing, pest elimination, maintenance and repair products and services. It serves the hospitality, foodservice, institutional and industrial markets. In 2003, Ecolab reported net sales of $3.76 billion, net income of $277 million, and diluted net income per share of $1.06. Ecolab is headquartered in St. Paul, Minnesota and employs over 20,000 associates worldwide serving customers in hotels, restaurants, healthcare facilities, grocery stores, and other industries.
The parish meeting document provides information from various staff members, financial reports for 2011 and 2012, and discussion topics from task forces. Key points include:
- The operating fund had a surplus in 2011 and 2012 due to income exceeding budget while expenses were under budget.
- Personnel expenses make up the largest portion of operating expenses at around 60%.
- Average giving per Sunday has increased each quarter since 2009.
- The long range facility team discussed the history of purchasing the church building in 2010.
This document provides a mortgage calculator that allows a user to input a purchase price, down payment, and loan adjustments to calculate the mortgage amount, interest rate over a set number of years, principal and interest payment, and amortization schedule showing the breakdown of principal and interest over the life of the loan. An example is provided showing the calculations for a $500,000 purchase price with a $20,000 down payment and $3,000 loan adjustments resulting in a $483,000 mortgage amount at 5% interest over 20 years.
This document is Ecolab's 2003 Annual Report. It provides details about Ecolab's business including its description, markets served, products/services provided, financial highlights for 2003, and stock performance. It summarizes that Ecolab had record sales of $3.8 billion in 2003, up 11% from 2002. Net income increased 32% to $277 million and diluted earnings per share grew 33% to $1.06. The CEO highlights strong financial results and growth despite economic uncertainties.
- Google reported strong revenue growth of 35% year-over-year and 15% quarter-over-quarter for Q2 2012, with consolidated revenues of $12.2 billion.
- Google business revenues grew 21% year-over-year and 3% quarter-over-quarter to $11 billion, while Motorola revenues were $1.3 billion following its acquisition in May 2012.
- International revenues grew and accounted for 47% of total revenues at $6.5 billion.
Yead End Tax Strategies for Real Estate InvestorsDavid Campbell
You can watch a free video recording of this event at: http://www.hasslefreecashflowinvesting.com/tax-planning-2011/
It's not about how much you earn. It's about how much you keep! Learning how to legally avoid or defer the payment of income taxes is essential to your financial success. Our world class faculty show experienced and novice real estate investors how to legally earn more while paying less in taxes.
You will learn:
1) Urgent year-end tax moves every real estate investor must be aware of
2) How to take advantage of special 2011 tax deductions before they expire
3) How to get the IRS and your tenants to pay for a healthier retirement than you thought possible
4) Ways to ensure your self-directed IRA stays tax deferred
5) Which investments you should own personally and which investments you should own inside an IRA to optimize your tax advantages
6) How to identify and use your eight essential resources to legally earn more and pay less in taxes
7) Strategies to produce cash flowing real estate profits without the hassle and without the tax
8) Time sensitive legal considerations that could have a huge impact on your taxes
In this 90 minute FREE webinar, you'll hear from professional investor David Campbell, self-directed IRA company president Kaaren Hall, tax strategist Amanda Han, CPA, real estate attorney Jeff Lerman, and estate planning attorney Michell Lerman.
This webinar is appropriate for both new and well seasoned investors. While this webinar will be recorded, you'll get the most out of the experience by attending live so you can ask questions.
MEET OUR WORLD CLASS FACULTY
DAVID CAMPBELL - professional investor / developer
www.HasslefreeCashflowInvesting.com
KAAREN HALL - president of uDirect IRA Services
www.uDirectIRA.com
AMANDA HAN, CPA - tax strategist with Keystone CPA
www.KeystoneCPA.com
JEFFREY H. LERMAN - real estate attorney
www.realestateinvestorlaw.com
MICHELLE C. LERMAN - estate planning attorney
www.realestateinvestorlaw.com
Presentation given to the Iowa Wholesale Beer Distributors Association at their Annual Meeting on February 9, 2012, by ABD Administrator Stephen Larson.
World Fuel Services Corporation reported strong financial results for 2003 with revenue increasing 40% to $2.7 billion compared to 2002. Net income increased 52.5% to $21.9 million resulting in diluted earnings per share rising 48.5% to $1.96. Both the aviation and marine fuel divisions experienced increased revenue and income from operations. Looking forward, the company expects continued growth with the recent acquisition of Tramp Oil, one of the largest marine fuel services groups.
Google Q4 2012 Quarterly Earnings SummaryKit Seeborg
The document summarizes Google's financial results for Q4 2012. It reports that Google's consolidated revenues grew 36% year-over-year and 8% quarter-over-quarter to $14.4 billion. It also discusses strong revenue growth and cash flow. The document provides details on revenue sources and breakdowns between US vs international revenues. It includes charts showing revenue trends over time and costs like traffic acquisition costs.
On January 10th, Auburn’s Center for the Study of Theological Education hosted a webinar for financial aid officers, admissions staff and student personnel at theological schools on the latest government regulations for income-based repayment plans for federal educational loans. This information will assist financial aid officers and others who counsel students and recent graduates in repayment options as they move into ministry.
- Consolidated revenue grew 45% year-over-year and 15% quarter-over-quarter to $14.1 billion. Google business revenues were $11.5 billion and Motorola business revenues were $2.6 billion.
- International revenues were $7.1 billion, representing 50% of total revenue.
- The company continued investing in core advertising, YouTube, Android, Chrome, and new areas like social, enterprise, commerce and local.
- Revenue growth and cash flow remained strong, though costs increased and operating margin declined to 19% from previous quarters.
The document discusses petroleum taxation in Trinidad and Tobago. It outlines various production and profit-based taxes on petroleum operations including royalties, supplemental petroleum tax, green fund levy, petroleum profits tax, and unemployment levy. It also discusses capital allowances and provides an example calculation of taxes for a petroleum project over multiple years.
This presentation was done on 27th Sept 2012 at University of Petroleum & Energy Studies as part of their Freshmen Orientation and SPE Ambassador Lecture Program
London is shaping up to be the capital of the 21st century due to several key factors. It has a world-class transportation system, a large pool of professional talent from its many universities, and institutions that drive technological expertise. London also has a multicultural population that speaks over 300 languages and numerous cultural and entertainment institutions that make it a vibrant global city.
England is an island country located off the northwest coast of Europe that is part of the United Kingdom. It has a population of over 51 million people and its capital and largest city is London. England has a parliamentary democracy and constitutional monarchy, with Queen Elizabeth II as the head of state. Its economy relies heavily on services, especially financial services centered in London, and it is one of the most highly industrialized countries in the world.
There are four primary sources that provide data on the number of travel agents and agencies in the US: the US Census Bureau, Bureau of Labor Statistics, ARC data, and research firms/trade publications. The Census Bureau data shows there were around 27,000 travel agency firms and locations in 1992, declining to around 15,000 firms and locations by 2009. BLS data found around 124,000 travel agents in 2000 declining to around 71,000 by 2010, with average salaries rising from $26,600 to $33,950 over this period. Research firms like PhoCusWright also report on the size of the travel industry.
Real Estate Investment - Kansas City Cash-Flow DuplexesMarco Santarelli
This document provides information about an investment opportunity involving 26 townhome units located in Blue Springs, Missouri, which is part of the Kansas City metro area. Key details include that the townhomes are tenant-ready and generate positive cash flow. The area has a strong rental market with high rents and low vacancy. The investment is described as having potential for strong returns through cash flow, equity growth, and appreciation over time.
Copy Tested Of Imc09 Payback Analysis Jc 072209ccaywood
This document compares the lifetime costs and earnings of obtaining an IMC degree versus not obtaining one. It shows that with an IMC, earnings increase more quickly, reaching the ROI payback goal of 25% by year 9. Without an IMC, earnings rise more slowly and the payback goal is never reached. Changing assumptions like tuition costs and time to complete the program can impact the break-even year.
Public Service Loan Forgiveness November 2011Alisa Rosales
The document provides information about two federal student loan repayment programs: Public Service Loan Forgiveness and Income-Based Repayment. It summarizes the key eligibility requirements and benefits of each program, including that Public Service Loan Forgiveness forgives the remaining loan balance after 120 qualifying monthly payments over 10 years for borrowers working in public service jobs, while Income-Based Repayment forgives any remaining balance after 25 years of repayment for all eligible borrowers. It also discusses factors that determine repayment amounts under Income-Based Repayment and lists resources for more information.
This document contains confidential and proprietary information regarding health insurance plans and benefits. It discusses increasing premium costs, potential savings from locking in premium rates, common causes of death in Americans, types of coverage included in various plans such as health insurance, accident, critical illness, and hospital confinement. It provides examples of claims and out of pocket costs. Finally, it compares fully insured versus Careington dental plans and includes a Careington dental benefits schedule.
Andre Pires opened an auto parts store called Quickfix Auto Parts in 1997. While sales grew significantly in early years as he expanded, recent financial reports showed losses. Worried about future funding needs, Andre recruited an MBA intern, Juan Plexo, to analyze the finances and identify issues preventing profitability. Juan reviewed financial statements showing growing inventory, expenses, and debt with declining cash flows and profits. Andre hoped Juan could recommend remedial actions to convince lenders of the store's viability.
This annual report document summarizes the financial highlights and performance of Pulte Homes for the years 1999-2003. Some key points:
- Revenues and income from continuing operations reached record levels in 2003 of $9.0 billion and $617 million, respectively.
- Earnings per share increased 36% to $4.91 in 2003, while book value per share grew 22% to $27.55.
- Domestic homebuilding operations drove overall growth, with settlement revenues increasing 21% to $8.7 billion in 2003.
- The company is pursuing four business initiatives to further improve performance: expanding market share through segmentation, achieving greater operational excellence, developing employees, and maintaining financial discipline.
Ecolab is a leading global developer and marketer of cleaning, sanitizing, pest elimination, maintenance and repair products and services. It serves the hospitality, foodservice, institutional and industrial markets. In 2003, Ecolab reported net sales of $3.76 billion, net income of $277 million, and diluted net income per share of $1.06. Ecolab is headquartered in St. Paul, Minnesota and employs over 20,000 associates worldwide serving customers in hotels, restaurants, healthcare facilities, grocery stores, and other industries.
The parish meeting document provides information from various staff members, financial reports for 2011 and 2012, and discussion topics from task forces. Key points include:
- The operating fund had a surplus in 2011 and 2012 due to income exceeding budget while expenses were under budget.
- Personnel expenses make up the largest portion of operating expenses at around 60%.
- Average giving per Sunday has increased each quarter since 2009.
- The long range facility team discussed the history of purchasing the church building in 2010.
This document provides a mortgage calculator that allows a user to input a purchase price, down payment, and loan adjustments to calculate the mortgage amount, interest rate over a set number of years, principal and interest payment, and amortization schedule showing the breakdown of principal and interest over the life of the loan. An example is provided showing the calculations for a $500,000 purchase price with a $20,000 down payment and $3,000 loan adjustments resulting in a $483,000 mortgage amount at 5% interest over 20 years.
This document is Ecolab's 2003 Annual Report. It provides details about Ecolab's business including its description, markets served, products/services provided, financial highlights for 2003, and stock performance. It summarizes that Ecolab had record sales of $3.8 billion in 2003, up 11% from 2002. Net income increased 32% to $277 million and diluted earnings per share grew 33% to $1.06. The CEO highlights strong financial results and growth despite economic uncertainties.
- Google reported strong revenue growth of 35% year-over-year and 15% quarter-over-quarter for Q2 2012, with consolidated revenues of $12.2 billion.
- Google business revenues grew 21% year-over-year and 3% quarter-over-quarter to $11 billion, while Motorola revenues were $1.3 billion following its acquisition in May 2012.
- International revenues grew and accounted for 47% of total revenues at $6.5 billion.
Yead End Tax Strategies for Real Estate InvestorsDavid Campbell
You can watch a free video recording of this event at: http://www.hasslefreecashflowinvesting.com/tax-planning-2011/
It's not about how much you earn. It's about how much you keep! Learning how to legally avoid or defer the payment of income taxes is essential to your financial success. Our world class faculty show experienced and novice real estate investors how to legally earn more while paying less in taxes.
You will learn:
1) Urgent year-end tax moves every real estate investor must be aware of
2) How to take advantage of special 2011 tax deductions before they expire
3) How to get the IRS and your tenants to pay for a healthier retirement than you thought possible
4) Ways to ensure your self-directed IRA stays tax deferred
5) Which investments you should own personally and which investments you should own inside an IRA to optimize your tax advantages
6) How to identify and use your eight essential resources to legally earn more and pay less in taxes
7) Strategies to produce cash flowing real estate profits without the hassle and without the tax
8) Time sensitive legal considerations that could have a huge impact on your taxes
In this 90 minute FREE webinar, you'll hear from professional investor David Campbell, self-directed IRA company president Kaaren Hall, tax strategist Amanda Han, CPA, real estate attorney Jeff Lerman, and estate planning attorney Michell Lerman.
This webinar is appropriate for both new and well seasoned investors. While this webinar will be recorded, you'll get the most out of the experience by attending live so you can ask questions.
MEET OUR WORLD CLASS FACULTY
DAVID CAMPBELL - professional investor / developer
www.HasslefreeCashflowInvesting.com
KAAREN HALL - president of uDirect IRA Services
www.uDirectIRA.com
AMANDA HAN, CPA - tax strategist with Keystone CPA
www.KeystoneCPA.com
JEFFREY H. LERMAN - real estate attorney
www.realestateinvestorlaw.com
MICHELLE C. LERMAN - estate planning attorney
www.realestateinvestorlaw.com
Presentation given to the Iowa Wholesale Beer Distributors Association at their Annual Meeting on February 9, 2012, by ABD Administrator Stephen Larson.
World Fuel Services Corporation reported strong financial results for 2003 with revenue increasing 40% to $2.7 billion compared to 2002. Net income increased 52.5% to $21.9 million resulting in diluted earnings per share rising 48.5% to $1.96. Both the aviation and marine fuel divisions experienced increased revenue and income from operations. Looking forward, the company expects continued growth with the recent acquisition of Tramp Oil, one of the largest marine fuel services groups.
Google Q4 2012 Quarterly Earnings SummaryKit Seeborg
The document summarizes Google's financial results for Q4 2012. It reports that Google's consolidated revenues grew 36% year-over-year and 8% quarter-over-quarter to $14.4 billion. It also discusses strong revenue growth and cash flow. The document provides details on revenue sources and breakdowns between US vs international revenues. It includes charts showing revenue trends over time and costs like traffic acquisition costs.
On January 10th, Auburn’s Center for the Study of Theological Education hosted a webinar for financial aid officers, admissions staff and student personnel at theological schools on the latest government regulations for income-based repayment plans for federal educational loans. This information will assist financial aid officers and others who counsel students and recent graduates in repayment options as they move into ministry.
- Consolidated revenue grew 45% year-over-year and 15% quarter-over-quarter to $14.1 billion. Google business revenues were $11.5 billion and Motorola business revenues were $2.6 billion.
- International revenues were $7.1 billion, representing 50% of total revenue.
- The company continued investing in core advertising, YouTube, Android, Chrome, and new areas like social, enterprise, commerce and local.
- Revenue growth and cash flow remained strong, though costs increased and operating margin declined to 19% from previous quarters.
The document discusses petroleum taxation in Trinidad and Tobago. It outlines various production and profit-based taxes on petroleum operations including royalties, supplemental petroleum tax, green fund levy, petroleum profits tax, and unemployment levy. It also discusses capital allowances and provides an example calculation of taxes for a petroleum project over multiple years.
This presentation was done on 27th Sept 2012 at University of Petroleum & Energy Studies as part of their Freshmen Orientation and SPE Ambassador Lecture Program
London is shaping up to be the capital of the 21st century due to several key factors. It has a world-class transportation system, a large pool of professional talent from its many universities, and institutions that drive technological expertise. London also has a multicultural population that speaks over 300 languages and numerous cultural and entertainment institutions that make it a vibrant global city.
England is an island country located off the northwest coast of Europe that is part of the United Kingdom. It has a population of over 51 million people and its capital and largest city is London. England has a parliamentary democracy and constitutional monarchy, with Queen Elizabeth II as the head of state. Its economy relies heavily on services, especially financial services centered in London, and it is one of the most highly industrialized countries in the world.
This document provides an overview of cultural aspects related to business in England. It discusses Hofstede's cultural dimensions and how they compare between India and the UK. It outlines some key differences in areas like power distance, individualism, and indulgence. The document also describes British business etiquette norms around scheduling appointments, punctuality, greetings, gift-giving, and dining. Behavioral norms around communication styles, humor, personal space, and eye contact are covered as well. Additionally, the national holiday of Guy Fawkes Night is summarized, including its historical context and modern traditions.
1) Business leaders often make five mistakes when it comes to innovation: insisting on hard numbers too early, believing success has been attained, believing they know their main competitors, believing current practices cannot be improved upon, and believing customers know what they want.
2) Some specific mistakes include focusing too much on current market size and financial projections rather than exploring new markets, getting complacent once reaching the top, viewing competitors as other similar companies rather than disruptors, and failing to challenge industry conventions.
3) Truly innovative ideas cannot be judged by existing customer opinions or market research, as those customers and markets may not exist yet. Leaders must be willing to create new markets rather than just
Samuel Johnson once said “By seeing London, I have seen as much of life as the world can show.” Numbers and figures revealing this city’s rich history, including stats on the Underground, numbers from London’s fire in 1666, the London Stock Exchange, London’s workforce and more.
Imagine your creative industries business in Londonlondonandpartners
The document discusses the advantages of London for creative industries. It highlights that London has a unique reputation for talent in creative fields and a diverse environment that fosters innovation. London's creative industry is the second largest sector, worth $32 billion per year and employing over 429,000 people. The city offers access to a large customer base in London, the UK, and Europe. It also has a strong reputation as a global hub for the technology, media, and telecommunications sectors. The document provides details on the strengths of specific creative sub-sectors in London like advertising, e-commerce, games, and film. It emphasizes the supportive business environment and government initiatives that make London an attractive location for creative companies.
London offers a favorable business environment and is a top location for businesses in Europe. It has a stable tax regime with low corporate tax rates and has attracted more European headquarters than any other European city in recent years. London provides access to a large talent pool, major transport links globally, and a diverse economy that is projected to continue growing rapidly. The document promotes London as one of the best locations in Europe for businesses and investment due to these competitive advantages.
The Innovation Leaders for 2016/17 - Those organisations across 25 sectors that are making the most of their innovation activities and driving growth. This is the latest results from a 15 year research programme that looks at the top 1500 companies across 25 sectors and profiles the leader in each one.
As a core part of the research, Innovation Leaders tracks the link between innovation and share price growth. Year after year, the companies identified as being the most effective innovators outperform their peers and the market. Over the last 15 years average return of the Innovation Leaders portfolio has been 14.5% CAGR. In 2016, growth was 18.9% again significantly higher than the S&P500, NASDAQ and FTSE 100.
This year’s Innovation Leaders Index includes a number of consistent performers from previous years such as Amazon, Apple, Inditex, LEGO and Reckitt Benckiser as well as more recent entrants including Accenture, Boston Scientific, Delta Air Lines and Nvidia.
For more information see www.innovationleaders.org or contact research@innovationleaders.org or @innovationldrs on twitter
The importance of the sense of company purpose – London Business School BSRLondon Business School
The document discusses how defining a clear purpose is important for business success. It identifies four types of purposes that successful companies have: discovery, excellence, heroism, and altruism. A strong, well-communicated corporate purpose can lead to up to 17% better financial performance. However, only 10% of managers take truly purposeful action, while many procrastinate or are distracted.
London Growth Marketing Meetup - David Arnoux, Co-Founder Growth Tribe - 17 M...Growth Tribe
London Growth Marketing Meetup - David Arnoux, Co-founder Growth Tribe - 17 March 2017
https://www.meetup.com/London-Growth-Marketing/
Building great products isn't enough. Marketing channels are saturated. Growth Marketing skills help you beat the competition and develop your products.
In this session, David Arnoux, co-founder of Europe's 1st Growth Hacking Academy 'Growth Tribe', walks you through the mindset, process & tools to implement an experiment-driven approach to growth in your organization.
About David Arnoux (Growth Tribe):
David Arnoux is a growth marketing expert. He has helped over 500 companies & teams implement and execute growth strategies. He is currently head of growth at Growth Tribe and lead growth hacker at Twoodo, growth coach for startups and corporates, a public speaker and a contributor to publications such as The Next Web. Come follow him on Twitter! @darnocks
The document discusses incremental project analysis for evaluating potential developments for an oil or gas field with multiple scenarios. It describes calculating incremental cash flows for a new development and using net present value and internal rate of return on the incremental cash flows to determine if the project should be recommended to management. It also provides background on primary, secondary, and tertiary recovery methods and types of developments that could increase production or lower costs.
The Future of Business London - 10 06 16Future Agenda
The Future of Business is one of the main areas of focus for the synthesis of the insights from last year's Future Agenda programme. This presentation is the opening keynote of a full day event in London on 10 June where views on some of the big global shifts for the next decade are being shared alongside more specific business related issues. This will then stimulate further debate and insights for sharing. If you have any views on the points in the pdf, do let us know and we can edit / agenda and update as we go
This presentation provides an overview of the basic principles and calculations often used in developing a financial justication analysis as part of a Business Case. Topics covered include:
- Pre-Tax Cash Flow
- Payback Period
- Accounting Terms and Principles
- Depreciation Methods
- After-Tax Cash Flow
- Discounted Cash Flow
- Net Present Value
- Internal Rate of Return
- Modified Internal Rate or Return
- Economic Value Added
- Packaging the Business Case
Chapter 15 Life and Works of Rizal in LondonCarul Push
Rizal lived in London from May 1888 to March 1889. He stayed to improve his English, study Philippine history at the British Museum, and continue his fight against Spanish rule through his writings. He annotated Morga's book on Philippine history and wrote many articles for La Solidaridad. Rizal also befriended the Beckett family but had to leave due to his growing romantic feelings for Gertrude Beckett while still being committed to Leonor Rivera.
Presentation about London's attractionsguest2393a8
London is the capital city of England known for its beautiful landmarks and as a top tourist destination. Some of its most famous attractions include Buckingham Palace, the Tower of London, Big Ben, London Eye, Tower Bridge, Trafalgar Square, and several renowned art museums such as the National Gallery and Tate Modern. The document provides photos and background information on these major sites while promoting London as an exciting and culturally influential world city.
Introduction to Project Economics in Oil and Gas Exploration and Production (Upstream) Industry, including basic project economics method and example of calculation.
London is the capital of England located on the River Thames. Some of its most famous landmarks include Tower Bridge, Tower of London, London Eye, Big Ben, and Westminster Abbey. Trafalgar Square is located in central London and features Nelson's Column at its center. Buckingham Palace is the official residence of the British monarch. Other notable places include Hyde Park, St. James Palace, Covent Garden, Piccadilly Circus, China Town, Platform 9 3/4 at King's Cross Station, typical London pubs, and Changing of the Guard ceremony at Buckingham Palace. London is also known for its football clubs like Chelsea, whose stadium is Stamford Bridge, and Arsenal, who play at Emirates Stadium.
London is the capital city of England and the United Kingdom, with a population of over 14 million people. It was founded by the Romans in 40 AD and named Londinium. Some of London's most famous landmarks include Big Ben, Buckingham Palace, the Tower of London, Westminster Abbey, Hyde Park, and Trafalgar Square. London has a well-developed public transport system including the iconic red double decker buses and the Underground, known locally as the "Tube".
The document describes a mortgage reduction, tax, and long-term investment strategy called the "Terminator Strategy". It compares a traditional mortgage payment plan to a strategy that utilizes a secured line of credit to access up to 80% of a home's value and invest the funds. By making the same monthly payments but allocating some funds to an investment, over time the mortgage balance is reduced faster while also building a retirement fund. The strategy aims to gradually convert the mortgage to a tax deductible status and fully pay off the home much faster than traditional repayment plans, saving for retirement at the same time with the same monthly payments. Professional guidance is recommended to consider all aspects before pursuing this strategy.
This is an opportunity that the american people can learn how to bank like a bank. Think when the back close they don\'t use no one to move money. They use a sophisticated software solutions to move and grow money. They use a Mathematical Algorithm. So, if a bank uses Algorithms to build wealth why can\'t the consumer can use an Algorithm to save money and build wealth. Contact me I can show you how you can do this just with your income you bring home now.
Surrey Real Estate Investors Club - Property Analyis PresentationAspireREI
This document summarizes a meeting of the Surrey Real Estate Investment Club. It discusses selecting investment properties by considering the area, property specifics, and deal tactics. Rules of thumb for cash flow calculations include the income to financing ratio, 1% rule, and gross rent multiplier. Key expenses in cash flow calculations include mortgage, utilities, repairs and maintenance, property management and taxes. Examples are provided comparing the cash flow and return on investment for different potential property investments over 5 and 10 year periods. The takeaways emphasize looking at the bigger picture, analyzing the numbers carefully, and leaving emotions out of investment decisions.
More than a third of Canadians have withdrawn funds from their retirement savings plans, which could significantly impact their retirement. Reasons for withdrawals include buying a home, paying down debt, and covering day-to-day expenses. However, withdrawals deplete retirement savings and it is important to continue regular contributions. The article proposes a strategy to transfer funds from RRSPs to non-registered accounts in order to reduce taxes, allowing investments to grow more. Moving from fully taxable RRSPs to partially taxable non-registered accounts could substantially increase retirement savings over time.
A financial GPS to find the quickest route to ZERO debt, Presented by Serena ...Serena Rinaldi Lambiase
A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary
The document discusses ways for homeowners to reduce their home loan interest payments through extra payments, prepayments, and refinancing. It provides examples showing that homeowners could end up paying 2.16 times their original loan amount in interest over the full 30-year term due to interest accumulation. However, strategies like making extra monthly payments, lump sum prepayments, or refinancing can significantly reduce total interest costs and help pay off the loan faster.
The document provides information about personal loans, including what a personal loan is, the sources and process for obtaining a personal loan, the various documents required, terms included in the loan contract such as interest rates and repayment schedules, and factors to consider when taking out a personal loan such as annual percentage rates and credit scores.
This document discusses compound interest over the course of a 30-year mortgage. It shows the breakdown of principal, interest, and balance owed monthly and yearly. It illustrates that with a $200,000 loan at 6% interest, the total repayment would be $431,677, with $231,677 of that being interest paid. The document notes that compound interest, also called the "eighth wonder of the world," can significantly increase the total cost of loans over time if interest is allowed to compound. It emphasizes the importance of making prepayments or paying off principal early to reduce the total interest paid over the life of the loan.
Commerce Bancshares reported earnings of $0.66 per share for the third quarter of 2009, up from $0.48 per share in the previous quarter. Net income increased 40% to $51.6 million compared to $37 million in the prior quarter. Total revenue grew 4% while expenses were well controlled. The company strengthened its balance sheet by increasing tangible common equity and loan loss reserves while improving its liquidity and capital positions. Total assets were $18 billion as of September 30, 2009.
1) The document analyzes housing inventory levels by price range for detached properties in several Chicago suburbs for May 1, 2010, June 1, 2010, and July 1, 2010.
2) Inventory levels fluctuated slightly between the months but remained relatively stable.
3) Days on market and months of supply also remained fairly consistent, indicating a stable and balanced housing market during this period.
The document provides housing market data for several Chicago suburbs for detached properties in February 2010. It shows the number of active listings, average days on market, and months of supply by price range for each area. Overall, inventory levels were down slightly from January 2010 in most price ranges and areas. The months of supply generally ranged from 5 to 20 months, indicating a buyer's market in most areas.
$200,000 Mortgage Total Costs Analysis ReportPeter Boyle
The mortgage total cost analysis report is a custom report helping home buyer's and homeowners in selecting the home loan program appropriate for their lifestyle and goals. The lowest interest rate loan is not always the best loan.
This document shows financial data for a company from 1998 to 2008 including revenue, costs, profits, assets, liabilities, and cash flows. Revenue grew substantially from $8,500 in 1998 to $66,245 in 2008. Gross profit also increased steadily over this period. Cash flow from operations turned positive in 2000 and continued to increase each year thereafter. Total assets grew from $4,077 in 1998 to over $57,000 in 2006 as fixed assets and accounts receivable increased.
This document presents housing market data for the Chicagoland area for January 2010. It provides statistics on housing inventory levels, including number of active listings, average days on market (DOM), and months of supply. The data is broken down by price range for various municipalities in the area, including Addison, Algonquin, Antioch, Arlington Heights, Aurora, Barrington Area, Bartlett, Batavia, Bensenville, and Berwyn. The report finds that in January 2010 inventory levels were generally stable or decreased slightly compared to previous months across most price ranges and locations in the Chicagoland region.
This document summarizes the projected financial performance and valuation of the Eden Grove Resort & Spa Hotel from 2011-2021. Key highlights include:
- Occupancy rates increase from 68% in 2011 to 85% in 2021 while average daily room rates rise from $450 to $550 over the same period.
- Total revenues grow from $19.2 million in 2011 to $29.5 million in 2021 as occupancy and room rates increase.
- Net income increases from $14.8 million in 2011 to $22.5 million in 2021 after accounting for operating expenses and fixed charges.
- Using a discounted cash flow analysis with a 13.25% discount rate, the projected total value of
The document analyzes housing inventory levels by price range for several Chicagoland municipalities in May, June, and July 2010. It shows the number of active listings, average days on market, and months of supply for different price brackets. In most areas, inventory levels were stable or increased slightly over the three months. Average days on market remained largely similar, while months of supply increased modestly in many price categories.
Property Development - the BEST investment for your SMSFGrantik
How to safely Build Financial Success with Self managed Super Funds (SMSF) and Property Development - the numbers that show you are crazy not to be involved.
Based on Buffett's comments and the table provided, an implied multiplier of approximately 12x can be derived for valuing Berkshire Hathaway based on its pre-tax operating earnings. Buffett separates Berkshire's value into the value of its investments and the value of its operating businesses, and compares this implied intrinsic value to the stock price to determine an implied multiplier. In 1997-1998, when the stock price approximated the implied intrinsic value, the implied multiplier was around 12x based on the pre-tax operating earnings. So a multiplier of 12x pre-tax operating earnings provides a framework for valuing Berkshire according to Buffett's comments.
The document discusses a software program called the Money Merge Account (MMA) that helps homeowners pay off their mortgages much faster by leveraging the interest-canceling effects of a home equity line of credit (HELOC). It provides examples of families eliminating 30-year mortgages in 10-12 years while maintaining their standard of living. The MMA software analyzes users' financial situations and recommends monthly funds transfers and prepayments that reduce interest costs substantially.
Our company aims to help ordinary people achieve significant savings and financial freedom through a proven system that operates with leading banks and lenders. The system called Total Repay can help pay off mortgages faster, save on interest costs, and enable people to become debt free years earlier than traditional methods. Following the Total Repay system, people can redirect payments that would normally go towards interest on loans and credit cards into principal payments, paying off debt quicker while keeping more of their income.
Similar to E:\My Documents\Total Repay\Total Repay System\Consultant Forms\Seminar (20)
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
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.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
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.
6. MORT – GAGE
Pledge Until Death!
mort·gage (mōŕgij) n. [[ OFr – mort, dead
+ gage, pledge]]
1 to pledge (property) by a mortgage
2 to put an advance claim on / to mortgage
one’s future/
7. The Cost of a $200,000 Mortgage @ 6%
(Is It or Isn’t It 6% ?)
Year Total Paid Principal Interest Balance
1 14,389 2,456 11,933 197,543
2 28,778 5,036 23,714 194,936
10 143,892 32,628 111,263 167,371
20 287,784 91,992 195,791 108,007
30 431,677 200,000 231,677 0
8. Compare the Options
Total Principal Principal
$200,000 & Interest & Interest
Repay Fortnightly Monthly
YEARS TO BE DEBT 12 YEARS 25 YEARS 30 YEARS
FREE
$97,637 $184,367 $231,677
INTEREST PAID
9. YOU HAVE CHOICES!!
REGULAR CHEQUE ACCOUNT We Pay
Deposit Income For
Mortgages • Cheques
Household • Service Fees
Cheque Acct Living Expenses • Money orders
Earns • Travelers cheques
• Bounced cheques
Credit Cards, etc.
0%
Interest
Miscellaneous
INTEREST ONLY 2 ND MORTGAGE
Deposit Income/ Benefits
Make Payment
Mortgages • Simple Interest
Income
• Interest Only
Lowers Living Expenses
• Pre-Approved Limit
Balance –
Credit Cards, etc. • Purchasing
Saves $$ Power
(interest)
Miscellaneous
13. Example: Consumer Debt
Debts That Could Be Consolidated
Loans (car, etc.) Amt. $20,000 Pymt. $750
Cards, etc. Amt. $30,000 Pymt. $500
$50,000
Pay Off
Total $1,250
-$250
Line of Credit $50,000 $1,000
6%
Payment $250
Interest
Only
2nd Mortgage Bal. $50,000
15. LINE OF CREDIT AS THE
CHEQUE ACCOUNT
Start Balance $50,000
Payment / Income -5,000
Balance 45,000
Expenses +4,000
Balance Month One 49,000
Surplus 1st mo. $1,000 Payment / Income -5,000
Balance 44,000
Surplus 2nd mo. $1,000
Expenses +4,000
12 Month $12,000
Balance Month Two 48,000
2nd Balance $38,000
16. Reducing the 1st Mortgage
1st Year Bal. $200,000
Yearly Prin. $2,500
Sub Total $197,500
From 2nd Mort $12,000 From the LOC
Total Year 1 $185,500
Yearly Prin.
Sub Total
From 2nd Mort
Total Year 2
21. REDUCING THE 1st MORTGAGE
1st Year Bal. $200,000
Yearly Prin. $2,500
Sub Total $197,500
From 2nd Mort $12,000 $12,000 From 2nd Mortgage
Total Year 1 $185,500
Yearly Prin. $3,500
$47,979 INTEREST
Sub Total $182,000 SAVING
From 2nd Mort
Total Year 2 $170,000
25. REDUCING THE 1st MORTGAGE
1st Year Bal. $200,000
Yearly Prin. $2,500
Sub Total $197,500
From 2nd Mort $12,000 $12,000 From 2nd Mortgage
Interest Savings
Total Year 1 $185,500
$47,979 From Amortization
Yearly Prin. $3,500
Sub Total $182,000
$32,825 Savings 2nd Year
From 2nd Mort $12,000
Total Year 2 $170,000 $80,804
26. THE SOLUTION
• We evaluate client’s total consumer debt
• We calculate the exact split for your 1st Mortgage
and Line of Credit to maximise savings.
• Use your LOC like your current household cheque
account to avoid interest and simplify your
finances.
• Should your loans need restructuring, we are
always there to assist.