GET OUT OF DEBT!
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This document promotes consolidating debts by taking out a new mortgage using the equity in one's home. It offers lower interest rates compared to credit cards, which can save thousands annually. Case studies show two families saving over $11,000 and $22,000 per year respectively by consolidating high-interest debts into a new mortgage. Contact information is provided to set up an appointment to discuss becoming debt-free through this approach.
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This document provides information on eliminating debt through a practical approach. It discusses how debt limits opportunities and forces people to accept poor living and work conditions. The document then outlines the negative effects of debt and reasons why people take it on. It proposes eliminating debt by changing spending habits, creating a budget, and using the "debt snowball" method of paying off debts from smallest to largest while focusing extra payments on the first debt. Living frugally, paying yourself first through savings and investments, and preparing for emergencies are presented as keys to achieving financial freedom.
Budget • savings • templete (august 2010) ppt
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.
Mindful test readonly
The document discusses strategies for building wealth through home equity. It presents the story of two brothers, Brother A who believes in paying off his mortgage quickly, and Brother B who takes a long-term mortgage and invests the difference. After 5, 15, and 30 years, Brother B has significantly more savings and wealth due to tax savings, equity growth, and investment returns on the money not spent on extra mortgage payments. The document advocates taking out a large mortgage and investing the equity rather than paying extra to pay off the loan early.
Week 1-Personal Monthly BudgetHousehold$ AmountFrequencyMonthly Pa.docx
Week 1-Personal Monthly BudgetHousehold$ AmountFrequencyMonthly PaymentRent $0.00Mortgage $1,500.00HELOC or Home Equity Loan $0.00Maintenance/HOA Fee $0.00Property Tax (if not included in mortgage)$0.00Home Insurance *$0.00Telephone/ CellphoneInternet $50.00Cable$50.00Electricity $0.00Heating/Cooling (Coal, Oil, AC) $0.00Water $0.00Garden/Lawn care$0.00Alarm System$0.00Maintenance and Repair, Including Purchases$0.00Additional Item 1$0.00Additional Item 2$0.00Additional Item 3$0.00Total Monthly Household Expenses$1,600.00Transportation$ AmountFrequencyMonthly PaymentMonthly Car Payment 1$270.00Monthly Car Payment 2$0.00Monthly Car Payment 3$0.00Gas for ALL Cars $140.00Car Maintenance $50.00Parking $0.00Tolls $0.00Emergency Service $150.00Public Transportation $0.00Taxis/Car Service $0.00Additional Item 1$0.00Additional Item 2$0.00Additional Item 3$0.00Total Monthly Transportation Expenses$610.00Insurance$ AmountFrequencyMonthly PaymentHome $0.00Renters $0.00Mortgage *$0.00Health $0.00Life $0.00Disability $0.00Long-Term Care$0.00Dental $0.00Car $255.00Motorcycle $0.00Vision Care $0.00Personal Liability $0.00Pet Health$0.00Flood/Earthquake/Hurricane$0.00Miscellaneous Insurance 1$0.00Miscellaneous Insurance 2$0.00Miscellaneous Insurance 3$0.00Total Monthly Insurance Expenses$255.00Entertainment$ AmountFrequencyMonthly PaymentEating Out$150.00Video Rentals$0.00Movies$0.00Magazine & Newspaper$0.00Computer/Video Game/Software$0.00Music$0.00Sports Tickets$0.00Concert Tickets$0.00Vacations$0.00Additional Item 1$0.00Additional Item 2$0.00Additional Item 3$0.00Total Monthly Entertainment Expenses$150.00Personal Care$ AmountFrequencyMonthly PaymentFood/Groceries $200.00Clothes $0.00Dry Cleaning/Laundry $0.00Family Travel$0.00Haircare Products$50.00Hair Cuts, Coloring, etc.$70.00Cosmetics/Makeup/Perfume$0.00Dentist/Orthodontist $0.00Oral Hygiene Products$0.00Eye Doctor $0.00Contacts/Glasses $0.00Doctors $0.00Medication $0.00Toiletries$20.00Gym Membership/Dues$0.00Personal Grooming (manicure, pedicure, etc.)$0.00Additional Item 1$0.00Additional Item 2$0.00Additional Item 3$0.00Total Monthly Personal Care Expenses$340.00Child Expenses$ AmountFrequencyMonthly PaymentChildcare $0.00Child Support Payments $0.00School Books/Supplies $50.00Enrollment/School Fees $0.00Tuition $0.00Lunch $0.00School Uniforms $0.00Sports Team Fees$0.00Sporting Equipment$0.00After-school Lessons (dancing, music, etc.)$0.00Extracurricular Activity$0.00Additional Item 1$0.00Additional Item 2$0.00Additional Item 3$0.00Total Monthly Family Expenses$50.00Miscellaneous$ AmountFrequencyMonthly PaymentPet Food$0.00Vet Bills$0.00Pet Care (litter, toys, sitter)$0.00Donations$0.00Books/Downloads$0.00Jewelry$0.00Hobby$0.00Vacation$0.00Parties$0.00Gifts (birthdays, holidays, etc.)$0.00Holiday/Seasonal Items$0.00Other Miscellaneous Items$0.00Additional Item 1$0.00Additional Item 2$0.00Additional Item 3$0.00Total Monthly Miscellaneous Expenses$0.00Debt Payments$ AmountFrequencyMonthly PaymentCred.
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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
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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
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7:个人信誉贷款加10分
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真实网上可查的证明材料
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本公司拥有海外各大学样板无数，能完美还原。
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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)
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留信网认证的作用:
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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
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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
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【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
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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
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在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
学校原件一模一样【微信：741003700 】《(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单》【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
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.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.
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（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：A575476】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：A575476】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。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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South Dakota State University degree offer diploma Transcript
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
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GET OUT OF DEBT!
- 1. YOUR NEIGHBOURHOOD MORTGAGE PROFESSIONALS LTD.
- 2. GET OUT OF DEBT! ARE YOU TIRED OF PAYING YOUR DEBTS AND FEELING LIKE YOU ARE NEVER GETTING AHEAD? ARE YOU PAYING HIGH INTEREST RATES SOMETIMES UP TO 29% ON A CREDIT CARD?
- 3. WHY NOT USE THE EQUITY IN YOUR HOME TO SAVE THOUSANDS OF DOLLARS IN INTEREST
- 4. YOUR NEIGHBOURHOOD MORTGAGE PROFESSIONALS LTD. IF YOU OWE MONEY ON A LINE OF CREDIT OR 1 OR MORE CREDIT CARDS YOU CAN SAVE THOUSANDS OF DOLLARS BY USING THE EQUITY IN YOUR HOME TO CLEAR THIS DEBT. WHEN YOU DO THIS YOU CAN GET LESS THEN 4% INTEREST*, INSTEAD OF THE HUGE 29% YOU ARE LIKELY PAYING ON YOUR CREDIT CARD. * SOME CONDITIONS APPLY OAC
- 5. CASE STUDY PAYMENTS NEW MORTGAGE PREVIOUS DEBTS TOTAL PAYMENTS $1,274.37 $2,270.00 MONTHLY MTGE PAYMENTS $1,274.37 $1,100.00 (INT. ONLY) CREDIT CARDS $0.00 $1,170.00 MORTGAGE AMT. $299,008.00 @ 3.75% $248,120.74 @5% MONTHLY SAVINGS $995.63 $0.00 ANNUAL SAVINGS $11,947.56 $0.00 Jeff & Sue are your typical family with a mortgage that they were paying high interest as well as a never ending line of credit and credit card. See below to see what we did:
- 6. CASE STUDY PAYMENTS NEW MORTGAGE PREVIOUS MORTGAGE TOTAL PAYMENTS $1,214.22 $3,056.83 MONTHLY MTGE PAYMENTS $1,214.22 $ 893.83 CREDIT CARDS $0.00 $2,163.00 MORTGAGE AMT. $256,000.00 @ 3.89% $97,599.73 @4.5% MONTHLY SAVINGS $1,842.61 $0.00 ANNUAL SAVINGS $22,111.32 $0.00 Joe and Kathy were in a challenged financial situation. They were paying high interest credit cards and debts and felt like they were getting nowhere. See below to see what we did:
- 7. YOUR NEIGHBOURHOOD MORTGAGE PROFESSIONALS LTD When consolidating your debts by using equity in your home you only have to make one monthly payment and you save hundreds of dollars every month in interest.
- 8. YOUR NEIGHBOURHOOD MORTGAGE PROFESSIONALS LTD. Would you like to: Save thousands of dollars Get rid of all high interest debt Lower your monthly payments Have more money every day Be debt free faster
- 9. YOUR NEIGHBOURHOOD MORTGAGE PROFESSIONALS LTD. IF YES…….. SET UP YOUR APPOINTMENT FOR FINANCIAL FREEDOM TODAY. CALL TERRIYN TODAY 519- 909-7302.
- 10. YOUR NEIGHBOURHOOD MORTGAGE PROFESSIONALS LTD. CALL TODAY TO GET OUT OF DEBT AND JUMP START YOUR FINANCIAL FREEDOM! TERRILYN MOORE, AMP MORTGAGE AGENT 519-909-7302 terrilynmortgages@gmail.com