The document announces a financial literacy workshop hosted by Trade School Toronto on February 26, 2015 at Victoria College. The workshop will cover understanding financial options like paying down student debt versus investing, common money mistakes young people make and how to avoid them, and specific wealth-building strategies and ideas like paying yourself first, protecting savings from tax and inflation, different investment options, and preparing for retirement. Attendees can learn about budgeting, saving, investing and get their financial questions answered.
Week One material for Wealth Management course.
The information contained in this presentation is for illustrative and informational purposes only and should not be considered investment advice.
Stanford CS 007-04 (2021): Personal Finance for Engineers / Savings & BudgetsAdam Nash
These are the slides from the 4th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on October 12, 2021. This seminar covers savings rates, income & expenses & budgeting.
Week One material for Wealth Management course.
The information contained in this presentation is for illustrative and informational purposes only and should not be considered investment advice.
Stanford CS 007-04 (2021): Personal Finance for Engineers / Savings & BudgetsAdam Nash
These are the slides from the 4th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on October 12, 2021. This seminar covers savings rates, income & expenses & budgeting.
VISIT US : http://coinmart.ca/
Higher valued than the face value of the coin due to historical information about the coin, is all about numismatics coins. Coins that are dignified unusual or stately ancient will often have an expressively higher monetary worth than the suggested value.
Le 21e forum annuel de la fédération européenne des internes de psychiatrie (EFPT - European Federation of Psychiatric Trainees) s’est tenu en juin dernier à Zurich, rassemblant les délégations d’associations nationales d’internes d’une trentaine de pays du continent européen. Les délégués de l’Association Fédérative Française des Etudiants en Psychiatrie (AFFEP) ont participé à cet évènement et témoignent des projets en cours concernant la formation des internes européens.
Le 21ème forum annuel de l’European Federation Of Psychiatric Trainees (EFPT) s’est déroulé du 11 au 15 juin 2013 à Zurich, en Suisse, rassemblant une centaine d’internes de psychiatrie venus des quatre coins du continent européen. Comme chaque année, une délégation française a pu prendre part à cette occasion de rencontrer d’autres étudiants et de discuter de la formation en psychiatrie en Europe[10].
VISIT US : http://coinmart.ca/
The subdivision of the government in Canada held responsible in producing coins is known as the Royal Canadian Mint. Having a keen knowledge regarding worthiness of Canadian coins one could indeed achieve distinctive impression over other coin lovers with a great degree of earning prospect.
Prezentacja wygłoszona podczas turystycznego #3camp w Gdańsku w dniu 3 czerwca 2014 roku.
Skupiliśmy się w niej na pokazaniu różnic pomiędzy "zwykłą" podróżą, a taką z blogiem. Jak zmienia się rytm pracy, o czym musimy pamiętać, żeby te dwie różne rzeczy dało się przyjaźnie połączyć. Jak dobierać miejsca, do których się udajemy. A także sprzęt, kanały społecznościowe oraz jak ustalić sobie rytm dnia, który będzie pomocny dla samej podróży jak i bloga.
***
Prezentacja różni się od graficznie od tej wygłoszonej - dodaliśmy trochę opisów, żeby nie były tutaj tylko puste zdjęcia. Nie wyświetlają się też filmy.
Métodos y estrategias de presentación de un producto en mercadotecnia , Ya sea que estés emprendiendo el camino de crear el packaging para el producto que vendes o que estés considerando cambiar el packaging de un producto existente, tal vez te estés preguntando si la apariencia de un empaque es importante. Muchos proveedores de productos piensan que el desempeño de un producto es más importante que la apariencia de su empaque, pero el packaging puede jugar un papel importante en el éxito o fracaso de la venta de un producto.
VISIT US : http://coinmart.ca/
Higher valued than the face value of the coin due to historical information about the coin, is all about numismatics coins. Coins that are dignified unusual or stately ancient will often have an expressively higher monetary worth than the suggested value.
Le 21e forum annuel de la fédération européenne des internes de psychiatrie (EFPT - European Federation of Psychiatric Trainees) s’est tenu en juin dernier à Zurich, rassemblant les délégations d’associations nationales d’internes d’une trentaine de pays du continent européen. Les délégués de l’Association Fédérative Française des Etudiants en Psychiatrie (AFFEP) ont participé à cet évènement et témoignent des projets en cours concernant la formation des internes européens.
Le 21ème forum annuel de l’European Federation Of Psychiatric Trainees (EFPT) s’est déroulé du 11 au 15 juin 2013 à Zurich, en Suisse, rassemblant une centaine d’internes de psychiatrie venus des quatre coins du continent européen. Comme chaque année, une délégation française a pu prendre part à cette occasion de rencontrer d’autres étudiants et de discuter de la formation en psychiatrie en Europe[10].
VISIT US : http://coinmart.ca/
The subdivision of the government in Canada held responsible in producing coins is known as the Royal Canadian Mint. Having a keen knowledge regarding worthiness of Canadian coins one could indeed achieve distinctive impression over other coin lovers with a great degree of earning prospect.
Prezentacja wygłoszona podczas turystycznego #3camp w Gdańsku w dniu 3 czerwca 2014 roku.
Skupiliśmy się w niej na pokazaniu różnic pomiędzy "zwykłą" podróżą, a taką z blogiem. Jak zmienia się rytm pracy, o czym musimy pamiętać, żeby te dwie różne rzeczy dało się przyjaźnie połączyć. Jak dobierać miejsca, do których się udajemy. A także sprzęt, kanały społecznościowe oraz jak ustalić sobie rytm dnia, który będzie pomocny dla samej podróży jak i bloga.
***
Prezentacja różni się od graficznie od tej wygłoszonej - dodaliśmy trochę opisów, żeby nie były tutaj tylko puste zdjęcia. Nie wyświetlają się też filmy.
Métodos y estrategias de presentación de un producto en mercadotecnia , Ya sea que estés emprendiendo el camino de crear el packaging para el producto que vendes o que estés considerando cambiar el packaging de un producto existente, tal vez te estés preguntando si la apariencia de un empaque es importante. Muchos proveedores de productos piensan que el desempeño de un producto es más importante que la apariencia de su empaque, pero el packaging puede jugar un papel importante en el éxito o fracaso de la venta de un producto.
How to become a millionaire, as the path to financial success varies greatly depending on a person's circumstances, skills, and industry. However, some common tips for building wealth include:
Live below your means: Spend less than you earn and save the rest.
Invest wisely: Consider stocks, bonds, mutual funds, real estate, and other assets that can grow your money over time.
i hope this will help you reach the goals you have in your mind everything is possible, you just have to make it possible.
its easy to get up and do something you want to do but it ain't easy to get up and do something you don't want to do.
the key to success is your failure , because once you fail you decide whether you get up and keep going or you stay in the same place as other people.
you only strive forward don't look back and never give up. there's a lot in you and you don't know it.
SoFi Yahoo Finance Guide: Empower Financial DecisionsDaily Trend Times
In today’s increasingly complex financial world, individuals need reliable tools and resources to make informed decisions about their money. SoFi and Yahoo Finance, two prominent financial platforms, offer a wealth of information and tools to empower individuals to take control of their financial well-being.
TUI University 1Money and Monetary PolicyMacroeconomic.docxwillcoxjanay
TUI University 1
Money and Monetary Policy
Macroeconomics
ECO202
TUI University
TUI University 2
•Forms and Types of Money:
People invented money to overcome the limitations
of barter.
Early money was “commodity money.”
Commodity monies are items used as money that
also have intrinsic use value.
People invented fiat money and credit money to
overcome the limitations of commodity money.
Why do fiat money and credit money have value?
TUI University 3
Functions of Money:
Money regardless of form performs three
important functions in the economy.
Money serves as:
1. Medium of Exchange.
2. Store of Value.
3. Standard of Value.
TUI University 4
1. Medium of Exchange:
Barter requires the double coincidence of wants.
Money lowers the transactions costs of exchange
by serving as the means of payment.
TUI University 5
2. Store of Value:
Money is a convenient way to store part of one’s
wealth.
Any asset has three important features.
An advantage to money is its liquidity, but liquidity
has an opportunity cost.
During inflationary times it is dangerous to store
wealth in the form of money.
TUI University 6
Risk and Return:
The rate of return on an asset is the total dollar
gain from an asset measured as a % from the
beginning of the period.
The return combines any income with a capital
gain or loss.
Risk measures the variability of returns.
TUI University 7
3. Standard of Value:
Unit of account.
Money is a standard of value for quoting prices.
TUI University 8
M1:
Narrow transactions money supply is
called “M1.”
M1= currency + demand deposits
(checking accounts) + traveler's checks.
M1 is currently around 1.1 Trillion $ and
often falling.
About 60% of M1 is demand deposits and
a about 40% is currency.
TUI University 9
M2:
Broad money.
M2 includes M1 + liquid assets.
M2 = M1 + smaller savings accounts + small time
deposit accounts + money market accounts + other
near monies.
M2 is about 4.5 T $.
The relationship between M2 and the economy broke
down in the early 1990’s as people pulled money out
of savings accounts and put it into financial
investments outside of banks that are not included in
the money supply.
M2 is no longer a target variable of the Fed.
TUI University 10
CURRENCY IN THE ECONOMY
$372 billion of currency amounts to over $1,430 for every
man, woman and child in the U.S.
Most of the currency in the official statistics is not used in
ordinary commerce in the U.S.
Much is held abroad by wealthy people
Some circulates in other countries along with local
currencies
Currency is also used in illegal transactions
TUI University 11
BANKS AS FINANCIAL
INTERMEDIARIES
Help bring savers and investors together
By using expertise and powers of diversification, financial
intermediaries reduce risk to savers and allow investors
to obtain funds on better terms
A typical commercial bank accepts funds from savers in the ...
Assignment 1 Discussion QuestionThe management of current asset.docxfredharris32
Assignment 1: Discussion Question
The management of current assets and current liabilities in the short run can lead to several challenges for the financial manager. What are some of the more common challenges or problems encountered by the firm in this regard, and what are the possible solutions? Explain your answers.
Assignment 2: Discussion Question
Financial mangers make decisions today that will affect the firm in the future. The dollars used for investment expenditures made today are different from the cash flows to be realized in the future. What are these differences? What are some of the techniques that can be used to adjust for these differences?
Assignment 3: Discussion Question
Valuation of a firm’s financial assets is said to be based on what is expected in the future, in terms of the future performance of the firm, the industry, and the economy. What types of value would you consider when assigning “value” to a firm’s stock or bond? What is the significance of each of the different types of value in the valuation process? Use examples to support your response.
Assignment 4: Discussion Question
The finance department of a large corporation has evaluated a possible capital project using the NPV method, the Payback Method, and the IRR method. The analysts are puzzled, since the NPV indicated rejection, but the IRR and Payback methods both indicated acceptance. Explain why this conflicting situation might occur and what conclusions the analyst should accept, indicating the shortcomings and the advantages of each method. Assuming the data is correct, which method will most likely provide the most accurate decisions and why?
Course Overview (1 of 3)
Defining Finance
Broadly defined, finance is the study of how people manage scarce resources in general, and money and other financial resources in particular. There are two important features that distinguish financial decisions from other types of decisions. The benefits and costs of financial decisions are spread out over time and usually shrouded in uncertainty.
These decisions are made in a financial environment that includes the financial system, institutions, markets, and participants such as individual households, businesses, and governments. It is important to note that a well developed and properly functioning financial system enables the economy to operate efficiently and contributes to the economic growth and development of the country.
Brief History of Finance
Finance emerged as a separate field of study in the U.S. in the early 1900s. At that time finance was taught primarily as a descriptive subject using anecdotes and rules of thumb. The focus at that time was on the formation of new firms, the various types of securities firms can issue to raise funds and the legal aspects of mergers and acquisitions. This continued to be the focus all through the 1920s.
However, during the 1930s the focus shifted to the study of bankruptcy and reorganization, corporate liqu ...
Wealth Accumulation: The Future of Financial SuccessSaku's zone
"Wealth Accumulation: The Path to Future Financial Success. Discover the strategies and mindset needed to build wealth for tomorrow. Learn how to invest wisely, save diligently, and leverage opportunities in a rapidly changing world to secure your financial future."
Forex trading can lead to multiple income streams that secure your financial future. I think of each trading account as a investment business, and I build the accounts to the point where I can start taking money out of the market. In essence, I am starting profitable businesses that can give me a lifetime income.
Chapter 12 Income and Social ClassChapter OBJECTIVESWhe.docxcravennichole326
Chapter 12:
Income and Social Class
Chapter OBJECTIVES
When students finish this chapter they should understand why:
1. Our confidence in our future, as well as in the overall economy, determines how freely we spend and the types of products we buy.
2. We group consumers into social classes that say a lot about where they stand in society.
3. Individuals’ desires to make a statement about their social class, or the class to which they hope to belong, influence the products they like and dislike.
Chapter SUMMARY
Our confidence in our future, as well as in the overall economy, determines how freely we spend and the types of products we buy.</title>
<para>The field of behavioral economics studies how consumers decide what to do with their money. Consumer confidence—the state of mind consumers have about their own personal situation, as well as their feelings about their overall economic prospects—helps to determine whether they will purchase goods and services, take on debt, or save their money.
</para></division>
<inst><division id="ch12div1sec02" label="2"><title id="ch12div1sec02.title"><inst></inst>We group consumers into social classes that say a lot about where they stand in society.</title>
<para>A consumer’s social class refers to his or her standing in society. Factors including education, occupation, and income determine the class to which we belong.
</para><para>Virtually all groups make distinctions among members in terms of relative superiority, power, and access to valued resources. This social stratification creates a status hierarchy where consumers prefer some goods to others. Income is an important consideration of social class but it is not a perfect predictor.
</para><para>Factors such as place of residence, cultural interests, and worldview also determine social class. As income distributions change around the world, it is getting more difficult to distinguish among members of social classes—many products succeed because they appeal to a newly emerging group marketers call the mass class (people with incomes high enough to purchase luxury items, at least on a small scale).
</para></division>
<inst><division id="ch12div1sec03" label="3"><title id="ch12div1sec03.title"><inst></inst>IndivInIndividuals’ desires to make a statement about their social class, or the class to which they hope to belong, influence the products they like and dislike.
<para>Conspicuous consumption, where a person flaunts his status by deliberately using up valuable resources, is one way to “buy up” to a higher social class. <emphasis>Nouveau riches,</emphasis> whose relatively recent acquisition of income rather than ancestry or breeding accounts for their enhanced social mobility, are the most likely to do this. We use status symbols to communicate our standing to others. Parody display occurs when we seek display by deliberately avoiding fashionable products.
<para><emphasis></emphasis>
</para></division>
<inst><division id="ch06div1sec04" label=" ...
Edit: Expo for design, technology & innovationSilvia125
From September 28 to October 8 2017 - The Festival for the Future
A 150,0 00 square-feet of raw, industrial space rarely accessible to the general public.
Never-before-seen interactive exhibitions, installations, and experiences produced by visionaries from across the globe.
http://editdx.org/overview/event-description
- organized a full day event on zero budget with over 145 registered and walk in participants
- recruited teachers, volunteers and sourced venue
- promoted event via social media, online listings and community newspapers
- successfully gained community support by procuring in-kind donations within 48 hours
- received media attention from CBC Community news online, Riverside BIA and The Beach Mirror
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
1. Trade School Toronto Presents:
Financial Literacy 101
Get money smart!
Learn about budgeting, saving and investing.
1) Understanding your financial options - should I pay down
my student debts or invest my money? Finding the right
balance
2) Stressed about your finances? – Understanding common
mistakes young people make with their money and how to
avoid them
3) Ideas and strategies to build your wealth
Register online!
http://tradeschool.coop/toronto/
Thurs. Feb. 26, 2015
Victoria College /
University of Toronto
91 Charles St. West,
2nd
Fl. (Room 212)
Toronto, ON
2. Everyday Financial Mistakes People Make
Specific Wealth-Building Ideas & Strategies
1. Pay Yourself First
2. Protect your savings from tax and inflation
3. Investments – where?
4. Debt repayment or savings?
5. Preparing for retirement
Protecting Your Assets
Q&A
1
Agenda
