Gold – not glittering
•Download as PPTX, PDF•
0 likes•104 views
1) The document discusses the myth that gold prices always appreciate and provide high returns versus the reality that gold prices can fall significantly in the international market. 2) It provides examples that the international gold price crashed almost 3 times from $850 per ounce in 1980 to $252 per ounce in 1999, while the Indian rupee weakened significantly against the dollar over this period. 3) This rupee depreciation caused the Indian domestic gold price to increase almost 3 times over this period in rupee terms, even as the international gold price fell sharply.
Report
Share
Report
Share
Recommended
Gold – not glittering
The gold price crashed internationally three times from 1980 to 1999, falling from $850 per ounce to $252 per ounce. During this period, the Indian rupee weakened six times against the US dollar, causing the Indian gold price to rise three times in rupees from Rs. 1,159 to Rs. 4,474. However, few Indians now understand that gold prices can fall due to increased financial awareness. Indians currently hold around 20,000 tons of gold worth around $1 trillion, but gold is considered a non-productive asset. The myth that gold prices never fall is untrue.
Gold – not glittering1
The document discusses how while the international gold price crashed nearly 3 times from 1980 to 1999, falling from $850 per ounce to $252 per ounce, the weakening of the Indian rupee against the US dollar by nearly 6 times over this period caused the Indian gold price to increase nearly 3 times in rupees, from Rs. 1159 to Rs. 4474, despite the fall in the international price. It aims to dispel the myth that gold prices never fall and always appreciate, noting that the rise in Indian domestic gold prices over this period was primarily due to rupee depreciation rather than gold price appreciation.
NO MÁS RUIDO EN LAS CALLES DE HUARAZ
Los inspectores de tránsito de la Municipalidad Provincial de Huaraz UNIDOS CONTRA EL RUIDO DEL CLAXON. Proyecto “Huaraz te quiero sin ruido”, por una ciudad LIBRE DE CONTAMINACIÓN ACÚSTICA.
Blog it OUT!_Final
This document provides links to online resources for students and teachers at Whitehurst Warriors Second Grade. The first link is to the school's Edmodo page where teachers share materials and students can collaborate. The second link is to the class blog where students can read posts and reflections from their teacher about various topics for "Thinking Thursday".
Sekolah haji
Pengajian perdana mengenai persiapan haji dan umrah akan diselenggarakan secara gratis di Masjid Al Mubarok Kampus Poltekkes Yogyakarta pada 5 Februari 2016 pukul 07.30-09.00 WIB. Pengajian ini membahas tentang mempersiapkan hati untuk melaksanakan ibadah haji dan umrah.
Interfaz grafica de windows
Muestra información sobre la ventana o el programa.
Barra de Menú: Contiene los menús desplegables con las opciones y
comandos disponibles en la aplicación.
Barra de Herramientas: Muestra botones para acceder rápidamente a las
funciones más comunes.
Barra de Estado: Muestra información sobre la ventana, como la posición del
cursor, el modo de selección, etc.
Área de Trabajo: Espacio donde se muestran y editan los archivos y
documentos.
Barra de Desplazamiento: Permite desplazarse vertical u
Web 2
La Web 2.0 permite la colaboración entre usuarios a través de servicios y comunidades basadas en la web que facilitan la participación e interacción. Algunas aplicaciones clave de la Web 2.0 son las redes sociales, blogs, wikis y la sindicación de contenidos, las cuales le dan a los usuarios control sobre sus datos y permiten crear y compartir información. Las nuevas tecnologías han causado un cambio significativo en cómo los estudiantes aprenden, volviéndolos más protagonistas en la construcción y gestión de su propio conocimiento
Recommended
Gold – not glittering
The gold price crashed internationally three times from 1980 to 1999, falling from $850 per ounce to $252 per ounce. During this period, the Indian rupee weakened six times against the US dollar, causing the Indian gold price to rise three times in rupees from Rs. 1,159 to Rs. 4,474. However, few Indians now understand that gold prices can fall due to increased financial awareness. Indians currently hold around 20,000 tons of gold worth around $1 trillion, but gold is considered a non-productive asset. The myth that gold prices never fall is untrue.
Gold – not glittering1
The document discusses how while the international gold price crashed nearly 3 times from 1980 to 1999, falling from $850 per ounce to $252 per ounce, the weakening of the Indian rupee against the US dollar by nearly 6 times over this period caused the Indian gold price to increase nearly 3 times in rupees, from Rs. 1159 to Rs. 4474, despite the fall in the international price. It aims to dispel the myth that gold prices never fall and always appreciate, noting that the rise in Indian domestic gold prices over this period was primarily due to rupee depreciation rather than gold price appreciation.
NO MÁS RUIDO EN LAS CALLES DE HUARAZ
Los inspectores de tránsito de la Municipalidad Provincial de Huaraz UNIDOS CONTRA EL RUIDO DEL CLAXON. Proyecto “Huaraz te quiero sin ruido”, por una ciudad LIBRE DE CONTAMINACIÓN ACÚSTICA.
Blog it OUT!_Final
This document provides links to online resources for students and teachers at Whitehurst Warriors Second Grade. The first link is to the school's Edmodo page where teachers share materials and students can collaborate. The second link is to the class blog where students can read posts and reflections from their teacher about various topics for "Thinking Thursday".
Sekolah haji
Pengajian perdana mengenai persiapan haji dan umrah akan diselenggarakan secara gratis di Masjid Al Mubarok Kampus Poltekkes Yogyakarta pada 5 Februari 2016 pukul 07.30-09.00 WIB. Pengajian ini membahas tentang mempersiapkan hati untuk melaksanakan ibadah haji dan umrah.
Interfaz grafica de windows
Muestra información sobre la ventana o el programa.
Barra de Menú: Contiene los menús desplegables con las opciones y
comandos disponibles en la aplicación.
Barra de Herramientas: Muestra botones para acceder rápidamente a las
funciones más comunes.
Barra de Estado: Muestra información sobre la ventana, como la posición del
cursor, el modo de selección, etc.
Área de Trabajo: Espacio donde se muestran y editan los archivos y
documentos.
Barra de Desplazamiento: Permite desplazarse vertical u
Web 2
La Web 2.0 permite la colaboración entre usuarios a través de servicios y comunidades basadas en la web que facilitan la participación e interacción. Algunas aplicaciones clave de la Web 2.0 son las redes sociales, blogs, wikis y la sindicación de contenidos, las cuales le dan a los usuarios control sobre sus datos y permiten crear y compartir información. Las nuevas tecnologías han causado un cambio significativo en cómo los estudiantes aprenden, volviéndolos más protagonistas en la construcción y gestión de su propio conocimiento
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 yearsBiswajit Das. "Relationship Beyond Advising."
The document discusses an iconic property in Mumbai that was purchased in 1957 for 18 lakh rupees and recently sold for 750 crore rupees. While this represents a 4,000 times increase in value over 58 years, when accounting for inflation the annual growth rate of the property was 15.45%, which is a reasonable return but not astronomical.Can you imagine 1 lakh become 2.96 cr?
This document promotes financial awareness and goal planning by analyzing the historical returns of various investment options in India from 1979 to 2017. It shows that investing 100,000 in the stock market index Sensex would have grown to over 29.6 million after adjusting for inflation, far outpacing similar investments in fixed deposits, public provident fund, gold, or the employees' provident fund. The document advocates for financial planning and investing to achieve long-term goals.
Long term wealth creation through equity investment
The document discusses various investment and savings options for individuals, including their typical returns and risks. It provides statistics on household savings in India for 2013-14, showing the majority in currency and bank deposits, followed by investment in shares, debentures, mutual funds, and life insurance. The document advocates that equity investment through the stock market can be a means to multiply wealth over the long run through participation in a country's economic growth, but that individuals tend to be more conservative investors.
Thank u
An initiative to promote financial awareness saw over 21,000 views in May. The author thanks well-wishers for viewing posts on different financial topics. He requests suggestions on other topics that could make the awareness program more meaningful.
Take the advantage of lower interest rate
An initiative aims to promote financial awareness by helping people take advantage of lower interest rates for existing housing and personal loans. The initiative offers free doorstep service across India with no processing fees for housing loan balance transfers until July 31, 2017. The goal is to help people benefit from lower interest rates through housing and personal loan balance transfers.
Equity is risky not investing in equity is risky - 2
The document promotes a financial awareness initiative by Biswajit Das, a diploma holder in wealth management. The initiative aims to educate people about basic financial concepts like job, income, investment, return, expenses, consumption, supply, demand, and manufacturing. It argues that investing in equities is not inherently risky and that not investing in equities to multiply wealth through economic development is actually the riskiest option.
Financial literacy in india very low
An initiative aims to promote financial awareness in India by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. Das provides his contact information including phone number, email, and social media links to discuss financial literacy and advising, as financial literacy is currently very low in India according to a study.
Real estate – real fact 2
An initiative aims to promote financial awareness by providing education on wealth management and goal planning. It is led by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. The initiative focuses on building relationships and advising clients beyond just transactions.
Client return as on jan17
This document discusses initiatives to promote financial awareness and provides data on returns from different investment options like LIC FD, PPF, EPF, gold, and the Sensex from April 1979 to March 2016. It also shares details on client returns from investments made between April 2005 to November 2006 and between February 2015 to January 2017, showing that the client returns outperformed index returns with lower equity exposure.
Post retirement health insurance expenses
This document discusses health and critical illness insurance premium costs for retirees. It provides an example of yearly premium costs for a floater health insurance policy with a sum assured of 25 lakh for two people and individual critical illness policies with a sum assured of 20 lakh each. The premium costs increase with age, with yearly health insurance premiums ranging from Rs. 75,450 for ages 61-65 up to Rs. 160,684 for ages 76-80 and critical illness premiums ranging from Rs. 312,000 for ages 61-65 up to Rs. 532,000 for ages 71-75. It concludes by asking if the reader knows how much money they will require after retirement.
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealthBiswajit Das. "Relationship Beyond Advising."
The document discusses predictions from Citi Group, PWC, Goldman Sachs, and HSBC that China will have the largest economy in 2050, followed by India and the US. It notes that 200 years ago in 1820, India had the second largest economy in the world after China, while the US economy was only 2% of the world's GDP. In 1700, India's GDP was almost 9 times larger than Britain's GDP, and just before Indian independence in 1947, Britain's GDP became 1.2 times larger than India's GDP.Rising house hold expenses – income not rising
Biswajit Das is a goal planning specialist and holds a diploma in wealth management. He provides advising services to help clients plan for rising household expenses given inflation. Based on assumptions of the client's current age of 25, retirement at 60, and 8% annual inflation, Biswajit estimates that the client would need over 4.4 million rupees to cover household expenses at retirement compared to 300,000 rupees currently. He provides his contact information for clients seeking financial advising beyond standard recommendations.
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creationBiswajit Das. "Relationship Beyond Advising."
Biswajit Das is a goal planning specialist and wealth management professional who provides advising on rebalancing portfolios. Rebalancing periodically adjusts a portfolio to protect gains through effective risk management and achieve financial goals. Das shares insights on rebalancing as the ultimate art and science of wealth creation and promotes financial awareness through education initiatives. Contact information is provided for those seeking advising on portfolio management.Priority banking – Only emotional encashment
Priority banking customers are told they receive special attention, but in reality it is a way for banks to collect large sums of savings at low interest rates. By appealing to customer emotions and sentiment, priority banking provides a cheap source of funds for banks. With advances in technology, fewer customers now visit branches in person.
Money management – Emotion management
An initiative aims to promote financial awareness by emphasizing that people often make emotional, rather than rational, decisions about managing their money. While many believe they can manage their finances without professional help, most individuals actually take emotional decisions about money most of the time. Managing money effectively requires managing emotions as well.
Inflation – The silent & invisiable killer
The document discusses the effects of inflation on investment returns. It provides an example where a Rs. 100,000 investment earning 7.25% annually over some period results in a maturity value of Rs. 107,250. However, after accounting for 30% taxes of Rs. 2,175 and 5.18% inflation erosion of Rs. 5,556, the real net maturity value is only Rs. 99,519, resulting in a net return of -7.73% rather than the 7.25% quoted return. Thus, the document illustrates how inflation can act as a silent killer by eroding investment returns over time if not accounted for.
Income protection - The ultimate protection
Biswajit Das is a wealth management specialist who provides financial advising and goal planning services. The document lists his contact information and credentials, including a diploma in wealth management and certification as a goal planning specialist. It also poses the question "Can your family survive for life long with this money?" to prompt consideration of income protection and life insurance for financial security after death.
Impulsive buying is dangerous – control it
Biswajit Das is a goal planning specialist who received his diploma in wealth management from IIFP Delhi. He is promoting financial awareness through initiatives on controlling impulsive buying and maintaining relationships beyond advising. His contact information is provided for those seeking advising on wealth management or goal planning.
Guaranteed return – wealth creation not guaranteed
Biswajit Das is a diploma holder in wealth management and goal planning specialist who provides relationship-based advising. He shares contact information including phone number and email on multiple occasions. The document discusses how an investment of Rs. 100,000 earning 7.25% return results in a net maturity of Rs. 99,519 after accounting for 30% tax and 5.18% inflation, showing that returns are not truly guaranteed once taxes and inflation are considered.
Every goals have time horizon & priority
This document outlines an initiative to promote financial awareness by Biswajit Das, who has a diploma in wealth management from IIFP Delhi and is a goal planning specialist at EDGE Learning Academy. It provides contact information for Biswajit Das including his phone number, email, and links to his LinkedIn, Twitter, and Facebook profiles.
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
More Related Content
More from Biswajit Das. "Relationship Beyond Advising."
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 yearsBiswajit Das. "Relationship Beyond Advising."
The document discusses an iconic property in Mumbai that was purchased in 1957 for 18 lakh rupees and recently sold for 750 crore rupees. While this represents a 4,000 times increase in value over 58 years, when accounting for inflation the annual growth rate of the property was 15.45%, which is a reasonable return but not astronomical.Can you imagine 1 lakh become 2.96 cr?
This document promotes financial awareness and goal planning by analyzing the historical returns of various investment options in India from 1979 to 2017. It shows that investing 100,000 in the stock market index Sensex would have grown to over 29.6 million after adjusting for inflation, far outpacing similar investments in fixed deposits, public provident fund, gold, or the employees' provident fund. The document advocates for financial planning and investing to achieve long-term goals.
Long term wealth creation through equity investment
The document discusses various investment and savings options for individuals, including their typical returns and risks. It provides statistics on household savings in India for 2013-14, showing the majority in currency and bank deposits, followed by investment in shares, debentures, mutual funds, and life insurance. The document advocates that equity investment through the stock market can be a means to multiply wealth over the long run through participation in a country's economic growth, but that individuals tend to be more conservative investors.
Thank u
An initiative to promote financial awareness saw over 21,000 views in May. The author thanks well-wishers for viewing posts on different financial topics. He requests suggestions on other topics that could make the awareness program more meaningful.
Take the advantage of lower interest rate
An initiative aims to promote financial awareness by helping people take advantage of lower interest rates for existing housing and personal loans. The initiative offers free doorstep service across India with no processing fees for housing loan balance transfers until July 31, 2017. The goal is to help people benefit from lower interest rates through housing and personal loan balance transfers.
Equity is risky not investing in equity is risky - 2
The document promotes a financial awareness initiative by Biswajit Das, a diploma holder in wealth management. The initiative aims to educate people about basic financial concepts like job, income, investment, return, expenses, consumption, supply, demand, and manufacturing. It argues that investing in equities is not inherently risky and that not investing in equities to multiply wealth through economic development is actually the riskiest option.
Financial literacy in india very low
An initiative aims to promote financial awareness in India by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. Das provides his contact information including phone number, email, and social media links to discuss financial literacy and advising, as financial literacy is currently very low in India according to a study.
Real estate – real fact 2
An initiative aims to promote financial awareness by providing education on wealth management and goal planning. It is led by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. The initiative focuses on building relationships and advising clients beyond just transactions.
Client return as on jan17
This document discusses initiatives to promote financial awareness and provides data on returns from different investment options like LIC FD, PPF, EPF, gold, and the Sensex from April 1979 to March 2016. It also shares details on client returns from investments made between April 2005 to November 2006 and between February 2015 to January 2017, showing that the client returns outperformed index returns with lower equity exposure.
Post retirement health insurance expenses
This document discusses health and critical illness insurance premium costs for retirees. It provides an example of yearly premium costs for a floater health insurance policy with a sum assured of 25 lakh for two people and individual critical illness policies with a sum assured of 20 lakh each. The premium costs increase with age, with yearly health insurance premiums ranging from Rs. 75,450 for ages 61-65 up to Rs. 160,684 for ages 76-80 and critical illness premiums ranging from Rs. 312,000 for ages 61-65 up to Rs. 532,000 for ages 71-75. It concludes by asking if the reader knows how much money they will require after retirement.
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealthBiswajit Das. "Relationship Beyond Advising."
The document discusses predictions from Citi Group, PWC, Goldman Sachs, and HSBC that China will have the largest economy in 2050, followed by India and the US. It notes that 200 years ago in 1820, India had the second largest economy in the world after China, while the US economy was only 2% of the world's GDP. In 1700, India's GDP was almost 9 times larger than Britain's GDP, and just before Indian independence in 1947, Britain's GDP became 1.2 times larger than India's GDP.Rising house hold expenses – income not rising
Biswajit Das is a goal planning specialist and holds a diploma in wealth management. He provides advising services to help clients plan for rising household expenses given inflation. Based on assumptions of the client's current age of 25, retirement at 60, and 8% annual inflation, Biswajit estimates that the client would need over 4.4 million rupees to cover household expenses at retirement compared to 300,000 rupees currently. He provides his contact information for clients seeking financial advising beyond standard recommendations.
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creationBiswajit Das. "Relationship Beyond Advising."
Biswajit Das is a goal planning specialist and wealth management professional who provides advising on rebalancing portfolios. Rebalancing periodically adjusts a portfolio to protect gains through effective risk management and achieve financial goals. Das shares insights on rebalancing as the ultimate art and science of wealth creation and promotes financial awareness through education initiatives. Contact information is provided for those seeking advising on portfolio management.Priority banking – Only emotional encashment
Priority banking customers are told they receive special attention, but in reality it is a way for banks to collect large sums of savings at low interest rates. By appealing to customer emotions and sentiment, priority banking provides a cheap source of funds for banks. With advances in technology, fewer customers now visit branches in person.
Money management – Emotion management
An initiative aims to promote financial awareness by emphasizing that people often make emotional, rather than rational, decisions about managing their money. While many believe they can manage their finances without professional help, most individuals actually take emotional decisions about money most of the time. Managing money effectively requires managing emotions as well.
Inflation – The silent & invisiable killer
The document discusses the effects of inflation on investment returns. It provides an example where a Rs. 100,000 investment earning 7.25% annually over some period results in a maturity value of Rs. 107,250. However, after accounting for 30% taxes of Rs. 2,175 and 5.18% inflation erosion of Rs. 5,556, the real net maturity value is only Rs. 99,519, resulting in a net return of -7.73% rather than the 7.25% quoted return. Thus, the document illustrates how inflation can act as a silent killer by eroding investment returns over time if not accounted for.
Income protection - The ultimate protection
Biswajit Das is a wealth management specialist who provides financial advising and goal planning services. The document lists his contact information and credentials, including a diploma in wealth management and certification as a goal planning specialist. It also poses the question "Can your family survive for life long with this money?" to prompt consideration of income protection and life insurance for financial security after death.
Impulsive buying is dangerous – control it
Biswajit Das is a goal planning specialist who received his diploma in wealth management from IIFP Delhi. He is promoting financial awareness through initiatives on controlling impulsive buying and maintaining relationships beyond advising. His contact information is provided for those seeking advising on wealth management or goal planning.
Guaranteed return – wealth creation not guaranteed
Biswajit Das is a diploma holder in wealth management and goal planning specialist who provides relationship-based advising. He shares contact information including phone number and email on multiple occasions. The document discusses how an investment of Rs. 100,000 earning 7.25% return results in a net maturity of Rs. 99,519 after accounting for 30% tax and 5.18% inflation, showing that returns are not truly guaranteed once taxes and inflation are considered.
Every goals have time horizon & priority
This document outlines an initiative to promote financial awareness by Biswajit Das, who has a diploma in wealth management from IIFP Delhi and is a goal planning specialist at EDGE Learning Academy. It provides contact information for Biswajit Das including his phone number, email, and links to his LinkedIn, Twitter, and Facebook profiles.
More from Biswajit Das. "Relationship Beyond Advising." (20)
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 years
Long term wealth creation through equity investment
Long term wealth creation through equity investment
Equity is risky not investing in equity is risky - 2
Equity is risky not investing in equity is risky - 2
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealth
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creation
Guaranteed return – wealth creation not guaranteed
Guaranteed return – wealth creation not guaranteed
Recently uploaded
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
The Rise and Fall of Ponzi Schemes in America.pptx
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【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
International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
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.
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.
欧洲杯投注-欧洲杯投注买球-欧洲杯投注买球网|【网址🎉ac22.net🎉】
【网址🎉ac22.net🎉】欧洲杯投注 Sports 与其他博彩公司相比，其独特之处在于欧洲杯投注 Sports 基于低利润和高营业额的独一无二的体育博彩模式，该模式可以为玩家开出最高的赔率。欧洲杯投注的优势在于中文界面友好，接受人民币投注。他们的开户奖金和实时体育投注界面是大陆玩家的首选。
TechnoXander Confirmation of Payee Product Pack 1.pdf
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
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.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
一比一原版(cwu毕业证书)美国中央华盛顿大学毕业证如何办理
原版一模一样【微信：741003700 】【(cwu毕业证书)美国中央华盛顿大学毕业证成绩单】【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
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
Detailed power point presentation on compound interest and how it is calculated
Detailed information about compund interest
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.
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
The Impact of Generative AI and 4th Industrial Revolution
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
BIHC Briefing June 2024 from Bank+Insurance Hybrid Capital in association wit...
Our latest market and regulatory coverage and analysis
Recently uploaded (20)
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...
The Rise and Fall of Ponzi Schemes in America.pptx
The Rise and Fall of Ponzi Schemes in America.pptx
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
TechnoXander Confirmation of Payee Product Pack 1.pdf
TechnoXander Confirmation of Payee Product Pack 1.pdf
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trends
Detailed power point presentation on compound interest and how it is calculated
Detailed power point presentation on compound interest and how it is calculated
Economic Risk Factor Update: June 2024 [SlideShare]
Economic Risk Factor Update: June 2024 [SlideShare]
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
The Impact of Generative AI and 4th Industrial Revolution
The Impact of Generative AI and 4th Industrial Revolution
BIHC Briefing June 2024 from Bank+Insurance Hybrid Capital in association wit...
BIHC Briefing June 2024 from Bank+Insurance Hybrid Capital in association wit...
Importance of community participation in development projects.pdf
Importance of community participation in development projects.pdf
Gold – not glittering
- 1. Gold – Not Glittering 1522 850 8.14 4374 252 46.646% -7% 10% Indian Gold Rate International Gold Rate Dollar Rupee Exchange Rate Year 1980 Year 1999 Increase 0r Decrease An initiative to promote Financial Awareness by BISWAJIT DAS Diploma in Wealth Management – IIFP Delhi, Goal Planning Specialist – EDGE Learning Academy Relationship Beyond Advising Call – 9339288488, Mail – dbiswajitifcs@gmail.com https://www.linkedin.com/pub/biswajit-das/1a/504/148 https://twitter.com/dbiswajitifcs https://www.facebook.com/dbiswajit.ifcs Myth – Gold price never fall, always appreciate and give huge return. Reality - Due rupee depreciation Indian gold price increase. Let me give you some more information. The gold price was crashed in the international market almost 3 times from $850 per ounce in 21.01.80 to $252 per ounce in 25.08.99. During this period, the Indian rupee became weaker almost 6 times from Rs.8.19 to Rs.46.64 against $1 . This has pushed up the Indian gold price from Rs.1159 to Rs.4474 almost 3 times in Indian rupees. http://www.gold.org/research/download-the-gold-price-since-1978 http://apnaplan.com/gold-price-in-india-40-years-history/#