Financial=literacy=1
•
1 like•352 views
This document provides materials on making decisions, including student activities and a quiz. The student activities guide students through identifying a decision to make, gathering information on alternatives, considering consequences of each alternative, selecting the best option, and evaluating the results. One activity discusses how economic factors like interest rates and consumer prices can influence personal financial decisions. The quiz at the end tests students on key aspects of decision-making and how economic conditions affect decisions.
Report
Share
Report
Share
Download to read offline
Recommended
L3 Slides1
The document discusses the decision-making process and factors that influence decisions. It outlines the steps in decision making as identifying the problem, gathering information on alternatives, considering the consequences of each, selecting the best option, and evaluating the results. It then lists common influences on decisions like values, peers, habits, feelings, family, risks, consequences, and age. It also describes common decision-making strategies and economic and risk factors to consider when making personal and financial decisions.
Econ789 chapter033
This document discusses money creation through the banking system process of fractional reserve banking. It explains that when a bank receives deposits, it is required to hold a portion as reserves while lending out the remainder. When those loans are spent and deposited in other banks, the process repeats, multiplying the original amount created. The money multiplier formula of 1/required reserve ratio is introduced to show how an initial change in reserves can create a much larger change in money supply. Risks of leverage and potential instability in the system are also briefly covered.
Personal finance
The document outlines objectives for teaching pharmacy students and pharmacists about personal finance. It discusses the importance of financial literacy for employees and the costs of poor financial behaviors for employers, such as absenteeism and reduced productivity. The summary also describes the key steps in personal financial planning, including determining one's financial situation, setting goals, evaluating alternatives, creating an action plan, and reevaluating. It defines personal balance sheets and cash flow statements as tools for financial planning.
AEI's International Center on Housing Risk Briefing Presentation
The recent financial crisis largely stemmed from a failure to understand the build-up of housing risk. Better information can dampen the boom-bust cycle and make corrections less damaging.
340ch1
This document discusses 5 core principles of money and banking:
1) Time has value as money received today is worth more than the same amount in the future.
2) Risk requires compensation as risky investments demand higher returns.
3) Information is the basis for decisions in financial markets.
4) Markets set prices and allocate resources efficiently through supply and demand.
5) Financial stability improves economic welfare by reducing uncertainty.
L3 presentation5
The document outlines the five basic steps to buying a home: 1) determine home ownership needs such as budget and housing type, 2) locate and evaluate potential homes, 3) price the property, 4) obtain financing like a mortgage, and 5) close the purchase transaction with necessary funds and documents. It also discusses determining an affordable price range, qualifying for a mortgage based on income and down payment, different types of mortgages, closing costs, selling an existing home through repairs, pricing, and using a real estate agent.
Visa lunch tracker_10072015
Americans spend an average of $2,746 per year on lunch, with most people eating lunch at home 5 times a week for $1,704 per year, and eating out 2 times a week for $1,043 per year. While almost half of Americans eat lunch at home, 31% eat at work, with 15% at their desk and 11% in the break room. A small percentage spend lavishly, with 1% spending over $50 per meal out 3 times a week for $9,383 annually. Men spend significantly more than women on lunch, averaging $24.93 per week compared to women's $15.56. Americans in the South eat out more and spend nearly $200 more per year
Money=responsibility
This document contains materials for teaching students about money responsibility, including spending choices, record keeping, and a quiz. It includes 10 hypothetical spending situations for students to discuss, such as lending money to friends or finding lost money. It also provides templates to track weekly spending by category (e.g. food, clothes). The goal is for students to understand responsible spending practices like staying within a budget and keeping receipts by filling out the tracking forms over a week and then totaling expenses. The document ends with a 10 question true/false quiz to assess comprehension.
Recommended
L3 Slides1
The document discusses the decision-making process and factors that influence decisions. It outlines the steps in decision making as identifying the problem, gathering information on alternatives, considering the consequences of each, selecting the best option, and evaluating the results. It then lists common influences on decisions like values, peers, habits, feelings, family, risks, consequences, and age. It also describes common decision-making strategies and economic and risk factors to consider when making personal and financial decisions.
Econ789 chapter033
This document discusses money creation through the banking system process of fractional reserve banking. It explains that when a bank receives deposits, it is required to hold a portion as reserves while lending out the remainder. When those loans are spent and deposited in other banks, the process repeats, multiplying the original amount created. The money multiplier formula of 1/required reserve ratio is introduced to show how an initial change in reserves can create a much larger change in money supply. Risks of leverage and potential instability in the system are also briefly covered.
Personal finance
The document outlines objectives for teaching pharmacy students and pharmacists about personal finance. It discusses the importance of financial literacy for employees and the costs of poor financial behaviors for employers, such as absenteeism and reduced productivity. The summary also describes the key steps in personal financial planning, including determining one's financial situation, setting goals, evaluating alternatives, creating an action plan, and reevaluating. It defines personal balance sheets and cash flow statements as tools for financial planning.
AEI's International Center on Housing Risk Briefing Presentation
The recent financial crisis largely stemmed from a failure to understand the build-up of housing risk. Better information can dampen the boom-bust cycle and make corrections less damaging.
340ch1
This document discusses 5 core principles of money and banking:
1) Time has value as money received today is worth more than the same amount in the future.
2) Risk requires compensation as risky investments demand higher returns.
3) Information is the basis for decisions in financial markets.
4) Markets set prices and allocate resources efficiently through supply and demand.
5) Financial stability improves economic welfare by reducing uncertainty.
L3 presentation5
The document outlines the five basic steps to buying a home: 1) determine home ownership needs such as budget and housing type, 2) locate and evaluate potential homes, 3) price the property, 4) obtain financing like a mortgage, and 5) close the purchase transaction with necessary funds and documents. It also discusses determining an affordable price range, qualifying for a mortgage based on income and down payment, different types of mortgages, closing costs, selling an existing home through repairs, pricing, and using a real estate agent.
Visa lunch tracker_10072015
Americans spend an average of $2,746 per year on lunch, with most people eating lunch at home 5 times a week for $1,704 per year, and eating out 2 times a week for $1,043 per year. While almost half of Americans eat lunch at home, 31% eat at work, with 15% at their desk and 11% in the break room. A small percentage spend lavishly, with 1% spending over $50 per meal out 3 times a week for $9,383 annually. Men spend significantly more than women on lunch, averaging $24.93 per week compared to women's $15.56. Americans in the South eat out more and spend nearly $200 more per year
Money=responsibility
This document contains materials for teaching students about money responsibility, including spending choices, record keeping, and a quiz. It includes 10 hypothetical spending situations for students to discuss, such as lending money to friends or finding lost money. It also provides templates to track weekly spending by category (e.g. food, clothes). The goal is for students to understand responsible spending practices like staying within a budget and keeping receipts by filling out the tracking forms over a week and then totaling expenses. The document ends with a 10 question true/false quiz to assess comprehension.
L3 presentation9
This document discusses the costs of owning and operating a motor vehicle. It covers fixed costs like depreciation, interest on loans, insurance, and taxes. Variable operating costs include gasoline, maintenance, repairs, and parking. The document also provides guidelines for calculating safe debt loads within 20% of annual income and keeping monthly debt payments below 10% of monthly income. Additional sections cover consumer decision making, shopping for new and used cars, loans, insurance, and leasing options.
L3 presentation12
This document provides information about various savings and investment options, including savings accounts, certificates of deposit, money market accounts, bonds, mutual funds, stocks, real estate, and retirement plans. It includes details on interest rates, minimum balances, risks, and tax implications of each option. Examples are given to illustrate how savings can grow over time through compound interest. Tips are also provided on avoiding investment fraud.
Marvel instruction guide
This instruction guide provides a lesson plan for teaching students about saving and budgeting using a Marvel comic book called "Saving the Day". The guide outlines that students will learn basic banking concepts, the importance of budgeting and saving, and practice balancing their own personal budgets. It includes a warm up activity, teaching key concepts, reviewing financial terms from the comic, reading the comic, discussion questions, and completing a budget worksheet.
Allownce and spending plan
The document provides a lesson plan for teaching students about allowances and spending plans. It includes activities to help students practice dividing an allowance into categories for spending, saving, and giving. Students will track their expenses in a spending diary and then use the data to create a personalized written spending plan. The goal is for students to gain experience developing and following a spending plan so they learn responsible money management skills.
L3 presentation14
This document discusses consumer privacy and information privacy. It explains that privacy is an important issue because computer systems store a lot of personal information and data, and it can be easily shared and accessed. There are both public and private sources of personal information, and laws like the Privacy Act and Fair Credit Reporting Act give consumers rights around accessing and correcting their records. The document also outlines options for consumers to protect their privacy, such as opting out of marketing lists and reviewing their credit reports.
L3 presentation10
This document discusses common advertising techniques and how to evaluate advertisements. It describes techniques used to associate products with status, peer approval, celebrities and other attributes. It also discusses potentially misleading or unethical techniques like bait-and-switch advertising, exploiting fears, misleading health claims and travel fraud. The document advises evaluating advertisements by looking beyond emotional appeals to the actual product claims, checking for unreasonable or unsubstantiated attributes, and reading fine print carefully.
Cam specialist-unit-web-analytics-and-social-media
This document provides a syllabus for a specialist unit award in web analytics and social media monitoring. The syllabus covers three main elements: online research principles, web analytics, and social media monitoring. It details the learning outcomes, knowledge and skill requirements, and assessment criteria for each element. The goal is for students to be able to assess digital marketing methodologies, identify appropriate metrics and tools, and evaluate digital marketing performance using web analytics and social media monitoring techniques.
L3 presentation11
This document provides information to help consumers make informed purchasing decisions. It discusses factors to consider when deciding whether to buy an item, such as needs versus wants. When shopping, it recommends comparing multiple options using charts to track price, features, warranties and return policies. Additional tips include being aware of real costs like cleaning for different materials, investigating buying clubs and online retailers, understanding layaway and cooling-off periods, and protecting against scams and fraudulent marketing practices. Protection laws are outlined regarding mail, phone, internet and telemarketing sales.
L3 presentation4
This document provides information about costs associated with moving into a new home and living independently, including initial move-in costs, ongoing housing costs, and sample budgets. It discusses creating a monthly budget that accounts for income, fixed expenses like rent and utilities, and variable expenses. The document also reviews key components of lease agreements and rights and responsibilities of both tenants and landlords.
Prom2015 infographic
Northeastern states lead the country in prom spending for the third consecutive year, averaging $1,169 per student. Dads contribute 63% more on average than moms to elaborate prom proposals, and 19% more to prom expenses. Parents pay 73% of total prom costs, averaging $989 for daughters and $893 for sons. American families plan to spend 6% less on prom in 2015 than previous years, with lower-income households spending more than higher-income families.
Advanced website training
This document provides instructions for adding features to a website such as a blog, photo gallery, embedded videos, and PDF files. It explains how to create a blog page and posts in the site manager. Photos can be added to a photo gallery page by uploading them. Videos can be embedded by copying the embed code from hosting sites. PDFs can be uploaded and embedded using an embed link. The document encourages applying these features to build out a website.
Hiwel5
The document describes the construction and validation of an adapted version of Kolb's Learning Styles Inventory for use in India. It discusses Kolb's original inventory which measures four learning styles based on how people perceive and process information. The researchers adapted the inventory through multiple pilot tests in India, modifying items for cultural appropriateness and simplifying language. They aimed to develop a version of the inventory that would be reliable, valid and culturally fair for assessing learning styles in the heterogeneous population of India.
Instructional leardership chpt.8
1. The document discusses different types of assessments used to evaluate student learning including formative and summative assessments. Formative assessments are used to guide instruction and help students improve, while summative assessments evaluate learning at the end of instruction.
2. Standardized tests are discussed, including the purposes of achievement, diagnostic, and aptitude tests. Issues with high-stakes testing are also covered, such as narrowing curriculum.
3. More authentic assessment approaches are emerging in response to criticisms of traditional tests not reflecting real-world skills. Informal assessment is discussed as a formative approach.
Financial Planning | Derin Dolen State college
This ppt is about financial planing by Derin Dolen State College. It gave you overview about financial planing and how to do it.
The Economic Way of Thinking (C&E)
An Introduction to Economics for High School analyzing basic concepts like Needs, Wants, Trade-Offs, and Opportunity Costs.
T pp-slide-l1
The document discusses various factors involved in the decision-making process for teens. It describes the typical steps of decision-making as identifying the problem, gathering alternatives, considering consequences, selecting an action, and evaluating results. It then lists common influences on decisions like values, peers, habits, feelings, family, risks, consequences, and age. Several common decision-making strategies are outlined as well as economic and risk factors to consider. It emphasizes the importance of weighing opportunity costs and understanding the time value of money when making choices.
Key Principles of Behavioural Finance
Key Principles of Behavioural Finance
1. Introduction
2. Anomalies
3. Key Concepts
Prospect Theory & Loss-Aversion
Anchoring
Mental Accounting
Confirmation & Hindsight Bias
Gambler’s Fallacy
Herd Behaviour
Overconfidence
Overreaction & Availability Bias
4. Conclusion
The Economic Way of Thinking
Guiding principles for thinking like an economist for high school senior economics class (2021 edit).
Economics-Unit-2-Scarcity.ppt
When making decisions, individuals, businesses, and governments must consider scarcity due to limited resources and unlimited wants. Rational decision-making requires weighing costs and benefits to determine the best use of resources. For individuals, this may involve career choices, education levels, and budgets that maximize benefits. For governments, rational decisions allocate scarce public funds to priorities like infrastructure, education, or defense based on anticipated economic growth and standards of living. Rational choices demonstrate an understanding of opportunity costs as the next best alternatives forgone.
facts about finance surveys---.pdf
Finance surveys are dynamic tools that evolve alongside changes in the financial landscape, economic conditions, and societal trends. Their insights contribute to a deeper understanding of financial behaviors, guiding decision-makers and individuals toward more informed choices.
Keep in mind that the specifics of finance surveys can vary based on the survey's purpose, target audience, and the organization conducting the survey. The information provided here is a general overview of finance surveys and their significance.
Personal finance basics and time value of money
This document outlines the six-step process for personal financial planning: 1) determine current financial situation, 2) develop financial goals, 3) identify alternative courses of action, 4) evaluate alternatives, 5) create and implement a financial action plan, and 6) review and revise the plan. It emphasizes that financial planning is an ongoing process that requires regularly assessing decisions and adapting to changing life situations. The document also provides examples of the types of information and resources that can be used at each step of financial planning.
The 5 Worst Mistakes You Make with Your Personal Finances
The document discusses common financial mistakes people make and provides advice to overcome them. It notes that household debt has increased dramatically since 1980 while personal savings rates have declined. Many people lack financial knowledge and are unprepared for retirement. The five worst mistakes are identified as habitual spending and borrowing, focusing on incomplete solutions, trying to fix finances alone without help, seeking quick fixes, and following the crowd rather than experts. The document provides a five-step plan to address these mistakes by deciding to change, taking time to solve the whole problem, tailoring solutions to individual needs, and finding an effective long-term program and coach.
More Related Content
Viewers also liked
L3 presentation9
This document discusses the costs of owning and operating a motor vehicle. It covers fixed costs like depreciation, interest on loans, insurance, and taxes. Variable operating costs include gasoline, maintenance, repairs, and parking. The document also provides guidelines for calculating safe debt loads within 20% of annual income and keeping monthly debt payments below 10% of monthly income. Additional sections cover consumer decision making, shopping for new and used cars, loans, insurance, and leasing options.
L3 presentation12
This document provides information about various savings and investment options, including savings accounts, certificates of deposit, money market accounts, bonds, mutual funds, stocks, real estate, and retirement plans. It includes details on interest rates, minimum balances, risks, and tax implications of each option. Examples are given to illustrate how savings can grow over time through compound interest. Tips are also provided on avoiding investment fraud.
Marvel instruction guide
This instruction guide provides a lesson plan for teaching students about saving and budgeting using a Marvel comic book called "Saving the Day". The guide outlines that students will learn basic banking concepts, the importance of budgeting and saving, and practice balancing their own personal budgets. It includes a warm up activity, teaching key concepts, reviewing financial terms from the comic, reading the comic, discussion questions, and completing a budget worksheet.
Allownce and spending plan
The document provides a lesson plan for teaching students about allowances and spending plans. It includes activities to help students practice dividing an allowance into categories for spending, saving, and giving. Students will track their expenses in a spending diary and then use the data to create a personalized written spending plan. The goal is for students to gain experience developing and following a spending plan so they learn responsible money management skills.
L3 presentation14
This document discusses consumer privacy and information privacy. It explains that privacy is an important issue because computer systems store a lot of personal information and data, and it can be easily shared and accessed. There are both public and private sources of personal information, and laws like the Privacy Act and Fair Credit Reporting Act give consumers rights around accessing and correcting their records. The document also outlines options for consumers to protect their privacy, such as opting out of marketing lists and reviewing their credit reports.
L3 presentation10
This document discusses common advertising techniques and how to evaluate advertisements. It describes techniques used to associate products with status, peer approval, celebrities and other attributes. It also discusses potentially misleading or unethical techniques like bait-and-switch advertising, exploiting fears, misleading health claims and travel fraud. The document advises evaluating advertisements by looking beyond emotional appeals to the actual product claims, checking for unreasonable or unsubstantiated attributes, and reading fine print carefully.
Cam specialist-unit-web-analytics-and-social-media
This document provides a syllabus for a specialist unit award in web analytics and social media monitoring. The syllabus covers three main elements: online research principles, web analytics, and social media monitoring. It details the learning outcomes, knowledge and skill requirements, and assessment criteria for each element. The goal is for students to be able to assess digital marketing methodologies, identify appropriate metrics and tools, and evaluate digital marketing performance using web analytics and social media monitoring techniques.
L3 presentation11
This document provides information to help consumers make informed purchasing decisions. It discusses factors to consider when deciding whether to buy an item, such as needs versus wants. When shopping, it recommends comparing multiple options using charts to track price, features, warranties and return policies. Additional tips include being aware of real costs like cleaning for different materials, investigating buying clubs and online retailers, understanding layaway and cooling-off periods, and protecting against scams and fraudulent marketing practices. Protection laws are outlined regarding mail, phone, internet and telemarketing sales.
L3 presentation4
This document provides information about costs associated with moving into a new home and living independently, including initial move-in costs, ongoing housing costs, and sample budgets. It discusses creating a monthly budget that accounts for income, fixed expenses like rent and utilities, and variable expenses. The document also reviews key components of lease agreements and rights and responsibilities of both tenants and landlords.
Prom2015 infographic
Northeastern states lead the country in prom spending for the third consecutive year, averaging $1,169 per student. Dads contribute 63% more on average than moms to elaborate prom proposals, and 19% more to prom expenses. Parents pay 73% of total prom costs, averaging $989 for daughters and $893 for sons. American families plan to spend 6% less on prom in 2015 than previous years, with lower-income households spending more than higher-income families.
Advanced website training
This document provides instructions for adding features to a website such as a blog, photo gallery, embedded videos, and PDF files. It explains how to create a blog page and posts in the site manager. Photos can be added to a photo gallery page by uploading them. Videos can be embedded by copying the embed code from hosting sites. PDFs can be uploaded and embedded using an embed link. The document encourages applying these features to build out a website.
Hiwel5
The document describes the construction and validation of an adapted version of Kolb's Learning Styles Inventory for use in India. It discusses Kolb's original inventory which measures four learning styles based on how people perceive and process information. The researchers adapted the inventory through multiple pilot tests in India, modifying items for cultural appropriateness and simplifying language. They aimed to develop a version of the inventory that would be reliable, valid and culturally fair for assessing learning styles in the heterogeneous population of India.
Instructional leardership chpt.8
1. The document discusses different types of assessments used to evaluate student learning including formative and summative assessments. Formative assessments are used to guide instruction and help students improve, while summative assessments evaluate learning at the end of instruction.
2. Standardized tests are discussed, including the purposes of achievement, diagnostic, and aptitude tests. Issues with high-stakes testing are also covered, such as narrowing curriculum.
3. More authentic assessment approaches are emerging in response to criticisms of traditional tests not reflecting real-world skills. Informal assessment is discussed as a formative approach.
Viewers also liked (13)
Cam specialist-unit-web-analytics-and-social-media
Cam specialist-unit-web-analytics-and-social-media
Similar to Financial=literacy=1
Financial Planning | Derin Dolen State college
This ppt is about financial planing by Derin Dolen State College. It gave you overview about financial planing and how to do it.
The Economic Way of Thinking (C&E)
An Introduction to Economics for High School analyzing basic concepts like Needs, Wants, Trade-Offs, and Opportunity Costs.
T pp-slide-l1
The document discusses various factors involved in the decision-making process for teens. It describes the typical steps of decision-making as identifying the problem, gathering alternatives, considering consequences, selecting an action, and evaluating results. It then lists common influences on decisions like values, peers, habits, feelings, family, risks, consequences, and age. Several common decision-making strategies are outlined as well as economic and risk factors to consider. It emphasizes the importance of weighing opportunity costs and understanding the time value of money when making choices.
Key Principles of Behavioural Finance
Key Principles of Behavioural Finance
1. Introduction
2. Anomalies
3. Key Concepts
Prospect Theory & Loss-Aversion
Anchoring
Mental Accounting
Confirmation & Hindsight Bias
Gambler’s Fallacy
Herd Behaviour
Overconfidence
Overreaction & Availability Bias
4. Conclusion
The Economic Way of Thinking
Guiding principles for thinking like an economist for high school senior economics class (2021 edit).
Economics-Unit-2-Scarcity.ppt
When making decisions, individuals, businesses, and governments must consider scarcity due to limited resources and unlimited wants. Rational decision-making requires weighing costs and benefits to determine the best use of resources. For individuals, this may involve career choices, education levels, and budgets that maximize benefits. For governments, rational decisions allocate scarce public funds to priorities like infrastructure, education, or defense based on anticipated economic growth and standards of living. Rational choices demonstrate an understanding of opportunity costs as the next best alternatives forgone.
facts about finance surveys---.pdf
Finance surveys are dynamic tools that evolve alongside changes in the financial landscape, economic conditions, and societal trends. Their insights contribute to a deeper understanding of financial behaviors, guiding decision-makers and individuals toward more informed choices.
Keep in mind that the specifics of finance surveys can vary based on the survey's purpose, target audience, and the organization conducting the survey. The information provided here is a general overview of finance surveys and their significance.
Personal finance basics and time value of money
This document outlines the six-step process for personal financial planning: 1) determine current financial situation, 2) develop financial goals, 3) identify alternative courses of action, 4) evaluate alternatives, 5) create and implement a financial action plan, and 6) review and revise the plan. It emphasizes that financial planning is an ongoing process that requires regularly assessing decisions and adapting to changing life situations. The document also provides examples of the types of information and resources that can be used at each step of financial planning.
The 5 Worst Mistakes You Make with Your Personal Finances
The document discusses common financial mistakes people make and provides advice to overcome them. It notes that household debt has increased dramatically since 1980 while personal savings rates have declined. Many people lack financial knowledge and are unprepared for retirement. The five worst mistakes are identified as habitual spending and borrowing, focusing on incomplete solutions, trying to fix finances alone without help, seeking quick fixes, and following the crowd rather than experts. The document provides a five-step plan to address these mistakes by deciding to change, taking time to solve the whole problem, tailoring solutions to individual needs, and finding an effective long-term program and coach.
How to Build Wealth for Financial Independence by Martize Smith
This PowerPoint explains the process and stages of how to build wealth so even the average person can achieve financial independence.
Business Finance Module 1.pdf
1. Financial management deals with decisions that maximize shareholder wealth through activities like financing, investing, and dividend policies.
2. The organizational structure of a company establishes clear roles and responsibilities in decision making, with the shareholders' interest in wealth maximization flowing down through boards of directors and managers.
3. Financial institutions like banks and insurance companies link savers and users of funds by collecting deposits and premiums for investment and lending.
Business Journalism Professors 2014: Avoid Rookie Mistakes by Rob Wells
Business Journalism Professors 2014: Avoid Rookie Mistakes by Rob WellsReynolds Center for Business Journalism
This document provides advice for teaching business journalism courses to avoid common rookie mistakes. It outlines strategies for focusing classes on practical skills like writing earnings stories, using active learning exercises to promote student engagement, gradually increasing assignments in difficulty, and emphasizing key financial concepts like bonds, economic indicators, and corporate SEC filings. Sample class elements are proposed, such as discussing a company's income statement, navigating the SEC website to find filings, and connecting economic data to retailer performance. The goal is to give students basic financial literacy and skills in retrieving and reporting on business information.MKT305 Week 7 Lecture 2 Consumer Behavior Decision Making I Ne
MKT305: Week 7 Lecture 2: Consumer Behavior: Decision Making I: Need Recognition and Search
Slide #
Topics
Narration
Slide 1
Introduction
Welcome to Consumer Behavior.
In this lesson we will discuss decision making and need and search recognition.
Next slide.
Slide 2
Topics
The following topics will be covered in this lesson:
Consumer decision making;
Decision making and choice;
Decision-making perspectives;
Rational decision-making perspective;
Behavioral influence decision-making perspective;
Decision-making approaches;
Extended decision-making;
Limited decision-making;
Habitual decision-making;
Need recognition;
Search behavior;
The consideration set;
External search;
The role of price and quality in search process;
External search and the Internet;
Amount of search; and
Search regret.
Next slide.
Slide 3
Topics, continued
Slide 4
Consumer Decision Making
On a daily basis we make numerous decisions as consumers. What do I need at the grocery store for dinner? Which grocery store is on my way home from work? Where will I buy soccer cleats that my daughter needs for practice? Some decisions are obviously bigger than others. Making a decision as to what items are needed to make dinner entails much more than deciding where to go to college for example.
Remember from our prior lessons that the consumption process begins with the recognition of a need. For instance, a consumer realizes that they needs golf balls since they has lost a lot while practicing on the golf course. However, some consumers may realize a need for something, but wait to buy it at a later date.
Next slide.
Slide 5
Decision Making and Choice
The end goal of the decision-making process is that a choice is made. However, we must be conscientious of the fact that the choice that is made does not necessarily involve a purchase. The decision-making process does not always involve an actual tangible product. For example, a consumer may make the choice to volunteer at their son’s elementary school a few hours a week. The decision is made to trade the consumer’s time for the value that they receive from the volunteer experience.
Decision-making is also related to both motivation and emotion. In terms of motivation, consumers are motivated to make decisions to address an identified need. Regarding emotion, it depends upon the type of product that is being considered. Consumers may become frustrated, impatient, irritated, or angry as they attempt to make difficult decisions or when they can’t find acceptable solutions to a problematic situation.
Next slide.
Slide 6
Decision-Making and Choice
The decision-making process can be viewed from a couple different perspectives including the rational decision-making perspective and the behavioral influence decision-making perspective. It is important to note that these perspectives serve as theoretical frameworks for which decision-making can be viewed. Additionally, most consumer decisions can be analyzed by using a comb ...
Financial concepts
Assignment for my macroeconomics class covering fiancial markets, financial intermediaries & institutions, the federal government deficit as well as time value money concepts.
Making Decisions Essay
Ethical Decision Making Essay
The Process of Decision Making Essay
Decisions, Decisions, Decisions Essay
Essay on Decision Making
Decision Making
Making Medical Decisions
Making Difficult Decisions
Essay on Decision Making
Making Smart Decisions
Essay about Making Good Choices.
Essay on Business Decision Making
Making the Right Choices Essay
Decision Framing
0._ introduction_0.ppt
This document provides an introduction to a course on microeconomics principles taught by Akos Lada. It outlines the following key points:
1. The course objectives are to (re)introduce students to economics and its applications in public policy, familiarize students with economic vocabulary and tools, and focus on microeconomics principles.
2. The content will cover topics like demand and supply, elasticity, market interventions, welfare analysis, production, competition and externalities over 4 weeks. Assignments include readings, problem sets, and exams to evaluate students without official grades.
3. The document reviews some of the key economic principles taught in the course, including the concepts of scarcity, opportunity costs,
1.02 factors affecting financial decisions burns
Good financial decisions lead to achieving goals and building self-confidence. Making decisions through logical steps and considering options helps avoid negative outcomes. Many factors influence financial decisions, including family, culture, society, economics, technology, media, laws, and personal priorities and values. Carefully evaluating these factors helps ensure financial decisions support well-being.
1
This document provides solutions to end-of-chapter problems for a financial management textbook. It begins with an introduction explaining that the solutions manual provides answers to all review questions and problems in the textbook. The solutions manual then lists the chapter solutions in its table of contents. The first sample problem solved provides the role of an accountant versus a financial analyst and the role of a financial manager in a publicly traded company. The document appears to be a solutions manual for students and instructors using a principles of finance textbook. It provides concise answers and steps to quantitative and conceptual problems at the end of chapters.
Consumer CreditCHAPTER12ISBN 1-256-64971-6Busi.docx
Consumer CreditCHAPTER12
IS
B
N
1-256-64971-6
Business Math, Ninth Edition, by Cheryl Cleaves, Margie Hobbs, and Jeffrey Noble. Published by Prentice Hall. Copyright © 2012 by Pearson Education, Inc.
Get Out of Debt Diet
12-1 Installment Loans and Closed-End Credit
1. Find the amount financed, the installment price, and the finance
charge of an installment loan.
2. Find the installment payment of an installment loan.
3. Find the estimated annual percentage rate (APR) using a table.
12-2 Paying a Loan Before It Is Due: The Rule of 78
1. Find the interest refund using the rule of 78.
12-3 Open-End Credit
1. Find the finance charge and new balance using the average daily
balance method.
2. Find the finance charge and new balance using the unpaid or
previous month’s balance.
Having trouble paying your bills? Constantly making mini-
mum payments each month? Don’t know how much you owe?
Worried about getting a bad credit report? According to Index-
CreditCards.com, the average U.S. household has credit card
debt of over $7,300, with interest rates ranging from the mid-
dle to high teens. Credit card companies have made running
up that balance deceptively easy.
However, there are a number of steps you can take to pay
off the debt and get back on track. Of course, this will require
you to adjust your spending habits and become more careful
about your spending.
1. Determine what you owe. Make a list of all the debts
you have including the name of the creditor, your total
balance, your minimum monthly payment, and your
interest rate. This will help you determine in which order
you should pay down your debts.
2. Pay it down. Work overtime or take on a second job and
devote that income to paying down debt. Cash in CDs, pay
down home equity loans, and pay down loans against retire-
ment. Have a garage sale. Do whatever you can to earn extra
money and devote that money to paying down your debt.
3. Reduce expenses. Eliminate any unnecessary expenses
such as eating out and expensive entertainment. Clip
coupons, shop at sales, and avoid impulse purchases. Brown
bag it at work and be creative about gifts. Above all, stop
using credit cards. Just giving up that expensive cup of coffee
each morning can save you more than $750 dollars a year.
4. Record your spending. This is actually your key to
getting out of debt. You’re in debt because you spent
money you didn’t have. Avoiding more debt starts with
knowing what you are spending your money on. Each day
for at least one month, write down every amount you
spend, no matter how small. Reviewing how you spend
your money allows you to set priorities.
5. Make a budget based on your spending record. Write
down the amount you spent in each category of spending
last month as you budget for spending for the next month.
Categorize your monthly expenses into logical groups
such as necessities (food, rent, medicine, pet food, and so
on), should have (things you need but not immediately,
such as new wor.
Assignment 1 Discussion QuestionThe management of current asset.docx
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 ...
Similar to Financial=literacy=1 (20)
The 5 Worst Mistakes You Make with Your Personal Finances
The 5 Worst Mistakes You Make with Your Personal Finances
How to Build Wealth for Financial Independence by Martize Smith
How to Build Wealth for Financial Independence by Martize Smith
Business Journalism Professors 2014: Avoid Rookie Mistakes by Rob Wells
Business Journalism Professors 2014: Avoid Rookie Mistakes by Rob Wells
MKT305 Week 7 Lecture 2 Consumer Behavior Decision Making I Ne
MKT305 Week 7 Lecture 2 Consumer Behavior Decision Making I Ne
Consumer CreditCHAPTER12ISBN 1-256-64971-6Busi.docx
Consumer CreditCHAPTER12ISBN 1-256-64971-6Busi.docx
Assignment 1 Discussion QuestionThe management of current asset.docx
Assignment 1 Discussion QuestionThe management of current asset.docx
Recently uploaded
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
How will new technology fields affect economic trade?
在线办理(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证完成信一模一样
学校原件一模一样【微信：741003700 】《(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
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.Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
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.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy Visa
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
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.
Discover the Future of Dogecoin with Our Comprehensive Guidance
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/
Seeman_Fiintouch_LLP_Newsletter_Jun_2024.pdf
The Impact of the 2024 Indian
Election Beyond Borders
01. Investment Gyan
02. Market Update
03. Inspiration investment story
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Dr. Alyce Su Cover Story - China's Investment Leader
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Economic Risk Factor Update: June 2024 [SlideShare]
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.
Recently uploaded (20)
Upanishads summary with explanations of each upnishad
Upanishads summary with explanations of each upnishad
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy Visa
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy Visa
Discover the Future of Dogecoin with Our Comprehensive Guidance
Discover the Future of Dogecoin with Our Comprehensive Guidance
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Dr. Alyce Su Cover Story - China's Investment Leader
Dr. Alyce Su Cover Story - China's Investment Leader
Economic Risk Factor Update: June 2024 [SlideShare]
Economic Risk Factor Update: June 2024 [SlideShare]
Financial=literacy=1
- 1. Making Decisions 04/09 Lesson One $ Student Activities
- 2. what are you trying to decide? www.practicalmoneyskills.com making decisions student activity 1-1 Identify the problem ■ Gather information and list possible alternatives ■ ■ ■ ■ Consider the consequences of each alternative ■ ■ ■ ■ Select the best course of action ■ Evaluate the results ■ name: date:
- 3. what decision-making strategies have you used? www.practicalmoneyskills.com making decisions student activity 1-2 name: date: directions As a class, identify and role-play the various decision-making strategies you’ve used, then answer the questions below. 1. Have the strategies you’ve used worked? Please explain. 2. What factors do you think might have influenced your choice of strategies?
- 4. how do economic decisions affect decision-making? www.practicalmoneyskills.com making decisions student activity 1-3 name: date: Changing economic factors affect the decisions we make. Using The Wall Street Journal, internet, or other sources of economic news, obtain information about current economic trends that influence various saving, investing, spending, and borrowing decisions. For example, higher interest rates make borrowing more expensive; however, higher interest rates make saving more attractive. possible influences on personal and economic factor recent trends financial decisions Interest rates Consumer prices Other Other
- 5. can you analyze a decision? www.practicalmoneyskills.com making decisions student activity 1-4 name: date: Identify the problem ■ Gather information and list possible alternatives ■ ■ ■ ■ Consider the consequences of each alternative ■ ■ ■ ■ Select the best course of action ■ Evaluate the results ■
- 6. lesson one quiz: making decisions www.practicalmoneyskills.com making decisions quiz 1-5 true-false 1. The decision-making process starts with gathering information. 2. Procrastination is an example of an economic influence on decision-making. 3. Higher interest rates result in higher costs of borrowing money. 4. Rising prices causing lower buying power is referred to as an inflation risk. 5. Interest earned on savings may be referred to as the “time value of money.” case application In recent weeks, Richard and Fran Jones have considered moving to another city with additional job opportunities. Discuss the personal and economic factors they might consider in this situation. What risks are associated with this decision? multiple choice 6. The final step of the decision-making process is: A. evaluating the results B. gathering information C. identifying the problem D. selecting the best course of action 7. Changes in the buying power of the dollar are measured by: A. the unemployment rate B. the money supply C. the consumer price index D. interest rates 8. Consumer spending is likely to rise when: A. unemployment is high B. interest rates are low C. taxes rise D. people are putting more money into savings accounts 9. Investments that may be difficult to convert to cash quickly have a high ___________ risk. A. inflation B. economic C. income D. liquidity 10. What a person gives up when making a decision is commonly called: A. the time value of money B. a personal risk C. an opportunity cost D. spontaneity name: date: