The document describes an acceleration account program that uses strategic transfers between checking, savings, and debt accounts to pay off loans and debts faster through increased principal payments while maintaining the same monthly payments. It works by constantly monitoring account balances and reserves to determine optimal transfer amounts and timing to eliminate years of payments and interest costs through mathematical modeling. Committing to consistently follow the software's recommendations can help individuals get out of debt faster.
Final.pres.revised cds time adjusted for 2003 version showHorizons-Financial
The document discusses a program called the Acceleration Account Program that uses banking tools and strategies to help pay off debt faster. It works by having a checking and savings account and using transfers between the accounts to make additional principal payments on debts. The program uses mathematical engines to monitor available reserves and prompt strategic principal-only payments to eliminate years of payments and debt faster. It provides sample scenarios and payoff analyses. Committing to consistently following the software can help one achieve their goal of getting out of debt.
from selling a condo is taxable:
- Selling a condo for a profit is usually subject to capital gains tax, with half - How long the owner lived in the condo
the profit considered taxable income. However, profits from selling a principal - Pattern of buying and selling properties
residence are not taxable. - Reasons given for moving
- A real estate agent bought and sold a condo in Vancouver for a $30K profit - Other real estate activities and holdings
within a year, claiming it was his principal residence. - Credibility of the reasons provided
- The CRA discovered he had bought and sold 7 condos in 7 years.
This document discusses personal finance and the cost of consumer credit. It provides 7 steps for managing personal finances: 1) contribute to employer retirement plans up to the match, 2) pay off non-deductible, high-interest debt, 3) create an emergency fund of 6-8 months of expenses, 4) pay down tax-deductible debt like mortgages, 5) start saving early for children's education, 6) save for a down payment on a house using short-term CDs or money market funds, and 7) pay down tax-deductible debt like mortgages. It also reviews trends in consumer credit costs like interest rates and amounts financed for loans.
Timeshare Industry Loan And Maintenance Fee Payment Incentives Reward Coupo...Darrell Richardson
This document proposes a reward coupon program to incentivize timeshare owners to make maintenance fee and loan payments on time. It offers gas or grocery coupons worth $300-$500 to owners who pay maintenance fees or make 6 consecutive monthly loan payments on time. This could help recapture over $120,000 in maintenance fees and $736,000 in loan payments, reducing defaults. The coupons cost $18-$21 each but encourage property usage and return visits. Questions can be directed to the regional director named, who has 16 years of hospitality experience.
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.
This document summarizes a pre-qualification interview for a home loan. It shows the applicant has $4,332 monthly income and $400 in credit card debt. Two potential home purchase scenarios are analyzed to see if the applicant's debt-to-income ratio qualifies them for the necessary financing. The first scenario is a $390,000 single family home, and the second is a $303,547 condo. Both scenarios explore using various down payment assistance programs to help cover closing costs and lower the applicant's monthly payment.
Account number 4 ht 147973 -statement period 02012013 - 02282013Garold Saatkamp
This statement summarizes Gary and Suzanne Saatcamp's joint investment account for the period of February 1-28, 2013. It shows beginning and ending account values of $151,990.50 and $151,840.96 respectively. During the period there was $500 in cash deposits, $1,700 in cash withdrawals, and the account balance increased by $639.17 due to dividends/interest of $411.29 and a change in the market value of holdings. The majority of the account (99%) is invested in mutual funds.
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.
Final.pres.revised cds time adjusted for 2003 version showHorizons-Financial
The document discusses a program called the Acceleration Account Program that uses banking tools and strategies to help pay off debt faster. It works by having a checking and savings account and using transfers between the accounts to make additional principal payments on debts. The program uses mathematical engines to monitor available reserves and prompt strategic principal-only payments to eliminate years of payments and debt faster. It provides sample scenarios and payoff analyses. Committing to consistently following the software can help one achieve their goal of getting out of debt.
from selling a condo is taxable:
- Selling a condo for a profit is usually subject to capital gains tax, with half - How long the owner lived in the condo
the profit considered taxable income. However, profits from selling a principal - Pattern of buying and selling properties
residence are not taxable. - Reasons given for moving
- A real estate agent bought and sold a condo in Vancouver for a $30K profit - Other real estate activities and holdings
within a year, claiming it was his principal residence. - Credibility of the reasons provided
- The CRA discovered he had bought and sold 7 condos in 7 years.
This document discusses personal finance and the cost of consumer credit. It provides 7 steps for managing personal finances: 1) contribute to employer retirement plans up to the match, 2) pay off non-deductible, high-interest debt, 3) create an emergency fund of 6-8 months of expenses, 4) pay down tax-deductible debt like mortgages, 5) start saving early for children's education, 6) save for a down payment on a house using short-term CDs or money market funds, and 7) pay down tax-deductible debt like mortgages. It also reviews trends in consumer credit costs like interest rates and amounts financed for loans.
Timeshare Industry Loan And Maintenance Fee Payment Incentives Reward Coupo...Darrell Richardson
This document proposes a reward coupon program to incentivize timeshare owners to make maintenance fee and loan payments on time. It offers gas or grocery coupons worth $300-$500 to owners who pay maintenance fees or make 6 consecutive monthly loan payments on time. This could help recapture over $120,000 in maintenance fees and $736,000 in loan payments, reducing defaults. The coupons cost $18-$21 each but encourage property usage and return visits. Questions can be directed to the regional director named, who has 16 years of hospitality experience.
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.
This document summarizes a pre-qualification interview for a home loan. It shows the applicant has $4,332 monthly income and $400 in credit card debt. Two potential home purchase scenarios are analyzed to see if the applicant's debt-to-income ratio qualifies them for the necessary financing. The first scenario is a $390,000 single family home, and the second is a $303,547 condo. Both scenarios explore using various down payment assistance programs to help cover closing costs and lower the applicant's monthly payment.
Account number 4 ht 147973 -statement period 02012013 - 02282013Garold Saatkamp
This statement summarizes Gary and Suzanne Saatcamp's joint investment account for the period of February 1-28, 2013. It shows beginning and ending account values of $151,990.50 and $151,840.96 respectively. During the period there was $500 in cash deposits, $1,700 in cash withdrawals, and the account balance increased by $639.17 due to dividends/interest of $411.29 and a change in the market value of holdings. The majority of the account (99%) is invested in mutual funds.
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.
Here are the 10 reasons you shouldn't buy a note. Please check this out and let us know if you have any questions.
http://noteschool.com
http://facebook.com/noteschool
Eddie Speed from NoteSchool
The Real Estate Boom and How to Profit from It!NoteSchool
This webinar promotes investing in non-performing mortgage notes and teaches how to profit from the real estate boom. It claims the current situation presents an opportunity due to the large amount of foreclosures and delinquent mortgages. The webinar teaches how to get into the note business, where to find notes for sale, and work-out options like modifying loans or taking ownership of properties to sell or rent for profit. It profiles some students who have successfully invested in notes. The presenter offers an online course package for $999 that normally costs over $7,000 and provides worksheets, consulting and access to private note sellers.
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.
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.
The document discusses a mortgage management account (MMA) software program developed by Accelerated Equity & Development to help homeowners pay off their mortgages early. The MMA program was tested successfully with 400 homeowners in Denver, reducing their mortgage payoff time by an average of 10-15 years. The MMA works by maximizing the performance of homeowners' money through optimizing various accounts and performing periodic funds transfers to pay down the principal on their mortgage.
The document discusses The Walt Disney Company's strategies for hedging currency exchange rate risk from royalties earned in Japanese yen. It considers options like currency forwards, futures, loans, and swaps. Disney ultimately chose a Eurocurrency bond issuance with an ECU/Yen currency swap, which provided the lowest interest rate of 7.01% and allowed Disney to take advantage of attractive foreign borrowing rates through additional swaps.
Slides from the 9/28/2011 FPA webinar "Build Your Own Pension." With the decline of pensions, clients will look to their own accounts to provide predictable retirement income. We show how advisors can create pension-like income using institutional liability driven investing (LDI) strategies.
$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.
Lyons Document Storage Corporation: Bond AccountingVijay Somu
Lyons Document Storage issued $10 million in bonds in 1999 at a discount rate of 8% when market rates were 9%. As a result, the company only received around $9.1 million in proceeds. Rene Cook, the controller, must now decide whether to issue new $10 million bonds at 6% to repay the old higher interest bonds. Issuing new bonds at a lower rate could save on interest costs over the life of the bonds. However, the company would have to pay $11.52 million to repay the old bonds immediately, resulting in a one-time loss. Remaining with the existing bonds would cost more in interest payments over time. Cook determines that issuing just $11.54 million in new bonds
This document provides information about financial planning and investments. It discusses the importance of having liquid reserves, different types of investments including fixed and variable options, and factors to consider like risk, return, and taxes. It also covers retirement planning, comparing qualified versus non-qualified options, and how to structure investments for a tax-favored alternative retirement plan using universal life insurance. The key ideas are financial security, diversification, and maximizing returns while minimizing taxes and risks.
The document discusses a mortgage acceleration program called the Net Worth Account that aims to help homeowners pay off their mortgages faster and save on interest. It works by using a home equity line of credit or similar account to make extra principal payments on the mortgage. On average, homeowners who use the program can save over $45,000 in interest and pay off their 30-year mortgage in under 11 years. The program is administered through a web-based software service that optimizes payments to maximize interest savings over time.
The quarterly investment report for the City of Killeen shows that as of December 31, 2016:
- The investment portfolio totaled $97.7 million and was in compliance with regulations.
- The largest holdings were in pools/money market accounts (55%) and certificates of deposit (35%).
- The total portfolio average yield was 0.66% for the quarter.
Patron Loyalty presentation from 2012 National Alliance for Musical Theatre C...TRG Arts
Learn how The 5th Avenue Theatre, in concert with TRG Arts, is building a wholly new model of patron engagement. Organizations from small to large will benefit from viewing their patrons through the lens of loyalty. Learn techniques that you can take back home to drive retention as well as increase engagement and revenue.
From the National Alliance for Musical Theatre's 2012 Conference in Seattle.
This document summarizes Sonoco's second quarter 2012 financial results. Key points include:
- Base EPS was $0.58 compared to $0.60 in Q2 2011.
- Net sales increased 6.6% to $1.2 billion due to acquisitions and price increases offsetting lower volume.
- Gross profit rose 13.3% but SG&A expenses rose 20.5% lowering pre-tax income 2.1%.
- Guidance for full-year 2012 base EPS is $2.34 to $2.39, up from $2.29 in 2011.
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.
The Home Equity Acceleration Plan (H.E.A.P.) allows homeowners to pay off their mortgage early without changing spending habits. It works by using a home equity line of credit as the primary checking account. Any surplus in the account from lower spending pays down the line of credit, and that amount can then be re-borrowed to pay down the primary mortgage. Using this method leverages daily interest compounding and ensures every dollar is put toward debt reduction. The example client could pay off their $200,000 mortgage in 8.5 years instead of 30, saving over $177,000 in total interest costs. H.E.A.P. has no risks as long as budgets are followed,
$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.
The document outlines an assignment to observe and understand the context of a neighborhood bodega. It provides guidance on tools and methods for conducting interviews and observations, such as cultural probes, user diaries, emotional maps, and guerrilla ethnography. The goals are to develop empathy, understand customer needs, and learn stories from stakeholders in order to inform future design work. Students are asked to document their findings and tools in a 5 minute multimedia presentation and explanation of their methodology.
Este documento presenta una introducción a las bases de datos documentales, definiéndolas y clasificándolas de diferentes maneras. Se define una base de datos documental como un conjunto estructurado de registros bibliográficos almacenados electrónicamente. Luego, se tipifican las bases de datos según el organismo productor, modo de acceso, cobertura temática, cobertura documental y modelo de tratamiento documental. Finalmente, se explican conceptos como bases de datos de texto completo, archivos electrónicos de imágenes y bases de datos referenciales.
Here are the 10 reasons you shouldn't buy a note. Please check this out and let us know if you have any questions.
http://noteschool.com
http://facebook.com/noteschool
Eddie Speed from NoteSchool
The Real Estate Boom and How to Profit from It!NoteSchool
This webinar promotes investing in non-performing mortgage notes and teaches how to profit from the real estate boom. It claims the current situation presents an opportunity due to the large amount of foreclosures and delinquent mortgages. The webinar teaches how to get into the note business, where to find notes for sale, and work-out options like modifying loans or taking ownership of properties to sell or rent for profit. It profiles some students who have successfully invested in notes. The presenter offers an online course package for $999 that normally costs over $7,000 and provides worksheets, consulting and access to private note sellers.
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.
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.
The document discusses a mortgage management account (MMA) software program developed by Accelerated Equity & Development to help homeowners pay off their mortgages early. The MMA program was tested successfully with 400 homeowners in Denver, reducing their mortgage payoff time by an average of 10-15 years. The MMA works by maximizing the performance of homeowners' money through optimizing various accounts and performing periodic funds transfers to pay down the principal on their mortgage.
The document discusses The Walt Disney Company's strategies for hedging currency exchange rate risk from royalties earned in Japanese yen. It considers options like currency forwards, futures, loans, and swaps. Disney ultimately chose a Eurocurrency bond issuance with an ECU/Yen currency swap, which provided the lowest interest rate of 7.01% and allowed Disney to take advantage of attractive foreign borrowing rates through additional swaps.
Slides from the 9/28/2011 FPA webinar "Build Your Own Pension." With the decline of pensions, clients will look to their own accounts to provide predictable retirement income. We show how advisors can create pension-like income using institutional liability driven investing (LDI) strategies.
$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.
Lyons Document Storage Corporation: Bond AccountingVijay Somu
Lyons Document Storage issued $10 million in bonds in 1999 at a discount rate of 8% when market rates were 9%. As a result, the company only received around $9.1 million in proceeds. Rene Cook, the controller, must now decide whether to issue new $10 million bonds at 6% to repay the old higher interest bonds. Issuing new bonds at a lower rate could save on interest costs over the life of the bonds. However, the company would have to pay $11.52 million to repay the old bonds immediately, resulting in a one-time loss. Remaining with the existing bonds would cost more in interest payments over time. Cook determines that issuing just $11.54 million in new bonds
This document provides information about financial planning and investments. It discusses the importance of having liquid reserves, different types of investments including fixed and variable options, and factors to consider like risk, return, and taxes. It also covers retirement planning, comparing qualified versus non-qualified options, and how to structure investments for a tax-favored alternative retirement plan using universal life insurance. The key ideas are financial security, diversification, and maximizing returns while minimizing taxes and risks.
The document discusses a mortgage acceleration program called the Net Worth Account that aims to help homeowners pay off their mortgages faster and save on interest. It works by using a home equity line of credit or similar account to make extra principal payments on the mortgage. On average, homeowners who use the program can save over $45,000 in interest and pay off their 30-year mortgage in under 11 years. The program is administered through a web-based software service that optimizes payments to maximize interest savings over time.
The quarterly investment report for the City of Killeen shows that as of December 31, 2016:
- The investment portfolio totaled $97.7 million and was in compliance with regulations.
- The largest holdings were in pools/money market accounts (55%) and certificates of deposit (35%).
- The total portfolio average yield was 0.66% for the quarter.
Patron Loyalty presentation from 2012 National Alliance for Musical Theatre C...TRG Arts
Learn how The 5th Avenue Theatre, in concert with TRG Arts, is building a wholly new model of patron engagement. Organizations from small to large will benefit from viewing their patrons through the lens of loyalty. Learn techniques that you can take back home to drive retention as well as increase engagement and revenue.
From the National Alliance for Musical Theatre's 2012 Conference in Seattle.
This document summarizes Sonoco's second quarter 2012 financial results. Key points include:
- Base EPS was $0.58 compared to $0.60 in Q2 2011.
- Net sales increased 6.6% to $1.2 billion due to acquisitions and price increases offsetting lower volume.
- Gross profit rose 13.3% but SG&A expenses rose 20.5% lowering pre-tax income 2.1%.
- Guidance for full-year 2012 base EPS is $2.34 to $2.39, up from $2.29 in 2011.
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.
The Home Equity Acceleration Plan (H.E.A.P.) allows homeowners to pay off their mortgage early without changing spending habits. It works by using a home equity line of credit as the primary checking account. Any surplus in the account from lower spending pays down the line of credit, and that amount can then be re-borrowed to pay down the primary mortgage. Using this method leverages daily interest compounding and ensures every dollar is put toward debt reduction. The example client could pay off their $200,000 mortgage in 8.5 years instead of 30, saving over $177,000 in total interest costs. H.E.A.P. has no risks as long as budgets are followed,
$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.
The document outlines an assignment to observe and understand the context of a neighborhood bodega. It provides guidance on tools and methods for conducting interviews and observations, such as cultural probes, user diaries, emotional maps, and guerrilla ethnography. The goals are to develop empathy, understand customer needs, and learn stories from stakeholders in order to inform future design work. Students are asked to document their findings and tools in a 5 minute multimedia presentation and explanation of their methodology.
Este documento presenta una introducción a las bases de datos documentales, definiéndolas y clasificándolas de diferentes maneras. Se define una base de datos documental como un conjunto estructurado de registros bibliográficos almacenados electrónicamente. Luego, se tipifican las bases de datos según el organismo productor, modo de acceso, cobertura temática, cobertura documental y modelo de tratamiento documental. Finalmente, se explican conceptos como bases de datos de texto completo, archivos electrónicos de imágenes y bases de datos referenciales.
This document provides examples of how to format in-text citations and references for various sources using APA style. It includes examples of citing authors in the text and listing them in the reference section. Sources covered include books, journal articles from databases or print versions, websites, newspapers, and magazines. The key aspects covered are providing the author's name and year of publication in the in-text citation, and listing full references alphabetically at the end with all necessary publication information.
Serviços, oferta de produtos, representações, fabrico ou produção;
Projectos de Arquitectura Paisagista
Para áreas verdes, campos de golfe e desportivos, vilas, cidades e Juntas de freguesia;
Planos de Plantação por revestimento compreensivos com fotos de identificação
Dimensionamento de Sistemas de Rega, Drenagem;
Planos de Iluminação e de Mobiliário Urbano, estruturas, pavimentos, lúdicos;
Pormenores Técnicos;
Representação Tridimensional dos Projectos para fins publicitários imobiliários e comerciais;
Planos de Optimização, recuperação e alterações de zonas degradadas, jardins históricos;
Fiscalização de Projectos;
Aconselhamento técnico;
Acompanhamento de Obras;
Exteriores e Interiores - Construção, fiscalização, recuperação e conservação
Parques, campos de golfe, desportivos, jardins, canteiros, floreiras, terraços, vasos;
Áreas Verdes Ajardinadas em interiores e exteriores;
Sistemas de Rega, iluminação, drenagens, isolamentos e pinturas;
Lagos e Jogos de Água (fontes, cascatas e regatos artificiais e naturais)
Estabilização Biológica de Taludes, recuperação de ecossistemas;
Caminhos Pedonais, Passadiços e Decks, resina, calcadas, arrelvadas e orgânicas.
Pérgolas, Vedações, Mobiliário Urbano e Parques Infantis;
Muros de pedra, madeira, gabiões, em floreiras e modelações.
Repovoamento de espécies autóctones, limpeza de matas, floresta, lagos;
Hidrossementeiras,·
Relvados: Naturais e Sintéticos;
Este documento describe el programa de partners de Telefónica, cuyo objetivo es crear las mejores soluciones TIC con socios para clientes. El programa ofrece acceso a plataformas de Telefónica, formación, e innovación conjunta para llevar soluciones al mercado. El programa ha evolucionado desde 2007 y ahora se centra en el cliente e innovación, con más de 6500 asociados.
La seguridad en Internet requiere medidas de seguridad física, lógica y humana. Algunas características clave son la confidencialidad, autenticación, autorización, integridad e imposibilidad de negar. La criptografía, como el cifrado simétrico, asimétrico y híbrido, juega un papel importante en la protección de datos, al igual que las funciones hash. Cortafuegos y servidores proxy ayudan a proteger las comunicaciones, mientras que redes Wi-Fi requieren medidas adicional
The document discusses how excessive consumer debt is destroying the dreams and financial stability of many American families, with statistics showing that over 40% of families spend more than they earn each month and more people will declare bankruptcy than graduate college in 2008. It then presents the Money Merge Account software as an effective way to become debt free faster by strategically paying off debts, saving thousands in interest costs and building wealth over the long run.
The document describes the Money Merge Account program, which uses mathematical principles to help people pay off debts faster and save on interest. It works by strategically moving money between accounts to take advantage of interest accumulation, float, and cancellation. Experts endorse the program for its ability to save tens of thousands in interest and help people become debt free and accumulate wealth years earlier than traditional repayment plans.
The document introduces the Money Merge Account program, which uses strategic payments and interest accumulation, float, and cancellation to help consumers pay off debts faster and save on interest. It provides an example of a couple who used the program to pay off $238,700 in debt in 15.3 years instead of 40 years, saving $121,855 in interest. The program considers each debt's amount, interest rate, payment, and term to determine the optimal payment strategy.
I've been able to pay off $24,000 in principal in just 18 months and am on track to be completely out of debt in 13 years. Would you like to know how I'm doing it? See how this innovative software program along with personal coaching can help you get out of all debt in 1/2 to 1/3 the time without having to refinance, make bi-weekly payments and with little to no change in your standard of living. Use the money you save to build up your retirement portfolio, go on vacation or buy a second or investment property. Free analysis will tell you the exact month and day you can begin living your dreams of financial freedom!
This document discusses strategies for accelerated debt payoff. It analyzes different payment plans for paying off a $8,000 credit card balance with 16% interest over time. Plan A shows minimum monthly payments would take over 15 years to pay off. Plan B maintains the first month's minimum payment each month, paying it off in under 4 years. Plan C adds $260 per month to the minimum, paying it off in 18 months. Plan D saves the extra $260 per month and uses the savings to pay it off, taking 19 months. While paying extra each month is faster, saving the extra each month maintains the consumer's financial control until the debt is fully eliminated. Overall, the document advocates evaluating individual debt situations but emphasizes
This document provides an overview of credit, credit reports, credit scores, and tips for using credit wisely. It discusses what credit is, including that it is a privilege, not a right, and a binding agreement based on one's promise and capability. It describes credit reports and scores, including where to get free reports and what factors affect scores. It also explains the power of interest and how interest works for and against consumers. The document concludes with tips for strengthening one's credit score, such as disputing errors, budgeting, and paying bills on time.
800-557-6821 This powerpoint shows how cashflow works when United First Financial 's Money Merge Account helps you pay off debts using credit card(s), savings and checking accounts as a virtual line of credit.
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.
The document describes the Money Merge Account program, which uses four strategies - interest cancellation, strategic payoff, time value of money, and software/coaching - to help customers pay off debts faster. It provides examples of how the strategies work and results customers have achieved in saving tens of thousands in interest and becoming debt free years earlier. The program is offered through United First Financial and requires minimum use of checking and savings accounts to facilitate moving money between accounts strategically.
Stanford CS 007-06 (2021): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" on October 26, 2021. This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Credit allows you to purchase items before paying for them in full. Having good credit is important for obtaining loans at lower interest rates. Managing your finances well through tracking income and expenses, setting goals, and only spending what you have planned helps build good credit over time. Mistakes like late payments or defaulting on loans can seriously damage your creditworthiness and cost significantly more in interest for future loans. Bankruptcy should only be considered as a last resort if you are unable to work with creditors on repayment plans. Maintaining open communication and fulfilling commitments is key to credit health.
The document provides loan performance metrics and summaries for Apex Home Loans for September 2015. Key metrics include over $100 million in agency loans funded year-to-date, a 87.5% pend rate for loans reviewed currently with an average of 3.57 days to clear, and credit score and LTV distributions meeting agency guidelines.
1. The document provides information on how to establish good credit, manage finances through budgeting, and tips for financial literacy. It discusses the importance of credit, how to build credit history, and maintaining a budget to avoid debt issues.
2. Statistics are presented on Americans' lack of financial knowledge and spending habits, including that the average American spends more than they earn and most live paycheck to paycheck without savings.
3. Information is also given on Alliance Credit Counseling, a nonprofit organization that provides financial counseling and education programs.
The document discusses the Money Merge Account program, which is a financial system that helps users pay off debts faster by strategically paying down balances to minimize interest costs. It provides three key benefits: helps users pay off debts, save for retirement, and stay focused on financial goals. The system uses mathematical algorithms to determine the optimal way to leverage funds across different accounts and debts to eliminate interest. It analyzes a user's specific debt situation and payment history to recommend a personalized strategic payoff plan.
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.
Stanford CS 007-06 (2018): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Stanford CS 007-06: Personal Finance for Engineers / All About DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on October 31, 2017. This seminar covers compounding, debt, credit scores, amortization & strategies to pay off debt.
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Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
21. FINANCIAL INFORMATION SHEET
APPLICANT INFORMATION
Name: Address: Phone:
City State: Zip Code Cell Phone:
Lender: Mortgage Principal $ Start date:
Mortgage Balance: $ Term: Interest Rate: Payment: $
Line of credit Balance: $ Line of credit Limit: $ Savings Acc Balance $
E-mail:
INCOME INFORMATION
Name Amount Interval
EXPENSES*
* Utilities(gas electric phone cable internet) car insurance, health insurance, medicines, groceries etc.
30. JOHN & MARY DOE LOAN SUMMARY
$ 200,000 Principal Loan Amount
360 Months (30 Year Loan)
31. JOHN & MARY DOE LOAN SUMMARY
$ 200,000 Principal Loan Amount
360 Months (30 Year Loan)
6% Interest rate
$ 1,199.10 Monthly Payment
32. JOHN & MARY DOE LOAN SUMMARY
$ 200,000 Principal Loan Amount
360 Months (30 Year Loan)
6% Interest rate
$ 1,199.10 Monthly Payment
$ 431,676 Total Repayment
33. JOHN & MARY DOE LOAN SUMMARY
$ 200,000 Principal Loan Amount
360 Months (30 Year Loan)
6% Interest rate
$ 1,199.10 Monthly Payment
$ 431,676 Total Repayment
-$200,000 Principal Loan Amount
34. JOHN & MARY DOE LOAN SUMMARY
$ 200,000 Principal Loan Amount
360 Months (30 Year Loan)
6% Interest rate
$ 1,199.10 Monthly Payment
$ 431,676 Total Repayment
-$200,000 Principal Loan Amount
-$231,676 Total Interest Paid
35. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1
Month 2
Year 1
Year 5
Year 10
Year 21
36. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000
Month 2
Year 1
Year 5
Year 10
Year 21
37. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000
Month 2 $200.10 $999.00
Year 1
Year 5
Year 10
Year 21
38. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000
Month 2 $200.10 $999.00
Year 1 $210.33 $988.77 $197,543 $2,457 $14,389
Year 5
Year 10
Year 21
39. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000
Month 2 $200.10 $999.00
Year 1 $210.33 $988.77 $197,543 $2,457 $14,389
Year 5
Year 10
Year 21
40. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000
Month 2 $200.10 $999.00
Year 1 $210.33 $988.77 $197,543 $2,457 $14,389
Year 5 $267.22 $931.88 $186,108 $13,891 $71,946
Year 10
Year 21
41. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000
Month 2 $200.10 $999.00
Year 1 $210.33 $988.77 $197,543 $2,457 $14,389
Year 5 $267.22 $931.88 $186,108 $13,891 $71,946
Year 10
Year 21
42. Sample Loan: John and Mary Doe
$200,000 Principal Balance
6% Interest Rate
$1,199 Monthly Payment
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000
Month 2 $200.10 $999.00
Year 1 $210.33 $988.77 $197,543 $2,457 $14,389
Year 5 $267.22 $931.88 $186,108 $13,891 $71,946
Year 10 $360.44 $838.66 $167,371 $32,628 $143,891
Year 21 $696.23 $502.89 $100,573 $99,436 $300,947
43. THE
ACCELERATION A Financial Tool for
Managing a Mortgage
ACCOUNT Or
Consumer Debt
PROGRAM
44. THE
ACCELERATION
Uses Well-known
ACCOUNT Banking Tools &
Strategies
PROGRAM
45. THE
ACCELERATION
You Will Need A
ACCOUNT Checking & Savings
Account
PROGRAM
46. THE
ACCELERATION
Two Different Account
ACCOUNT Are Need For
Maximum Efficiency
PROGRAM
52. Optimal Balance For
High Reserve Line Funds Transfer CAR
R.V.
Strategic
Income Allocation HOME
Credit Cards
Minimum Reserve Minimum Reserve
Accelerating
Deposit Account
Account A.T.V
53. Optimal Balance For
High Reserve Line Funds Transfer CAR
R.V.
Strategic
Income Allocation HOME
Credit Cards
Minimum Reserve Minimum Reserve
Accelerating
Deposit Account
Account A.T.V
54. Transfer
Funds
Optimal Balance For
High Reserve Line Funds Transfer CAR
R.V.
HOME
Credit Cards
Minimum Reserve Minimum Reserve
Accelerating
Deposit Account
Account A.T.V
55. The Mathematical Engines that
Drive
The Acceleration Account Program
Constantly Monitor Available Reserves
Prompt Strategic Principal Only Payments
56. Transfer
Funds
Optimal Balance For
High Reserve Line Funds Transfer CAR
R.V.
HOME
Credit Cards
Minimum Reserve Minimum Reserve
Accelerating
Deposit Account
Account A.T.V
57. Sample Loan: John and Mary Doe
$ 5,000 Funds Transfer
$ 23,000 Saved
Eliminate 2 Years of Payments