A construction company fell on hard times after the crash and was struggling with debt. The firm needed help and turned to Accredited Financial Planning Firm Navigator in Northern Ireland.
- A study conducted by the Financial Planning Standards Council (FPSC) found that Canadians who engaged in comprehensive financial planning reported greater financial well-being and less stress than those with limited or no planning.
- The study surveyed over 7,300 Canadians over 5 years and found benefits of comprehensive planning across all income levels. Those with planning felt more prepared for retirement and financial emergencies.
- Financial planners interviewed agreed with the study results, noting that planning helps families feel less uncertainty about the future by creating a clear financial roadmap and assessing progress over time. Comprehensive planning provides confidence that finances can withstand life's challenges.
Essential Fiduciary Training Webinar | Full Slide Deck | Rea & AssociatesRea & Associates
This webinar covers various topics related to retirement plans and fiduciary responsibilities. It includes presentations on defining retirement success, the importance of a prudent fiduciary process, and a case law update on fiduciary duty. The first presentation discusses defining goals for retirement and strategies to achieve retirement security. The second presentation outlines the fiduciary process, including formalizing policies and monitoring service providers. The third presentation reviews examples from case law where fiduciaries failed to meet their responsibilities and the resulting consequences. The webinar aims to provide fiduciaries with information to maintain compliance and effectively manage retirement plans.
How to Prepare Your Startup for Venture Capital Investmentideatoipo
Getting venture capital funding is the ultimate yet often elusive goal of many Silicon Valley startups. Venture capital funding dramatically improves a startup's chances of having a big IPO or buy out exit. Most startups at their inception have the hope, if not the expectation, that they will eventually receive venture capital funding.
In the current environment, venture capital funding has become more competitive, but it is still available. This presentation will cover what a startup should do to prepare for venture funding, what essential steps to take, what venture capitalists expect and how to avoid venture capital deal breakers.
Financing Your Future Module 5 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
While retirement may be years away, planning for it can start now. The fundamentals of retirement income planning are presented along with strategies to help insulate a portfolio from possible inflation and deflation while increasing portfolio income to fund a sustainable retirement lifestyle.
The document outlines challenges facing a college including permanent state funding cuts, rising health insurance and retirement costs, and a declining accumulated fund balance. It discusses various strategies under consideration to address the budget issues such as adjusting the allocation model, increasing tuition, managing health insurance and compensation costs, and generating additional revenue through annexation or grants. A timeline is proposed for negotiating changes to take effect in 2012.
This document discusses defined benefit plans as a tax strategy for individuals with self-employment income or small business owners. It provides an overview of defined benefit plans, compares them to other retirement plans, and highlights how they can maximize tax-deferred retirement contributions and savings. The document then presents several hypothetical examples of how defined benefit plans could benefit different types of medical professionals, including solo practitioners, married couples, small group practices, and those with fluctuating incomes. It also reviews eligible compensation, key dates, fees and the process for establishing a defined benefit plan.
- A study conducted by the Financial Planning Standards Council (FPSC) found that Canadians who engaged in comprehensive financial planning reported greater financial well-being and less stress than those with limited or no planning.
- The study surveyed over 7,300 Canadians over 5 years and found benefits of comprehensive planning across all income levels. Those with planning felt more prepared for retirement and financial emergencies.
- Financial planners interviewed agreed with the study results, noting that planning helps families feel less uncertainty about the future by creating a clear financial roadmap and assessing progress over time. Comprehensive planning provides confidence that finances can withstand life's challenges.
Essential Fiduciary Training Webinar | Full Slide Deck | Rea & AssociatesRea & Associates
This webinar covers various topics related to retirement plans and fiduciary responsibilities. It includes presentations on defining retirement success, the importance of a prudent fiduciary process, and a case law update on fiduciary duty. The first presentation discusses defining goals for retirement and strategies to achieve retirement security. The second presentation outlines the fiduciary process, including formalizing policies and monitoring service providers. The third presentation reviews examples from case law where fiduciaries failed to meet their responsibilities and the resulting consequences. The webinar aims to provide fiduciaries with information to maintain compliance and effectively manage retirement plans.
How to Prepare Your Startup for Venture Capital Investmentideatoipo
Getting venture capital funding is the ultimate yet often elusive goal of many Silicon Valley startups. Venture capital funding dramatically improves a startup's chances of having a big IPO or buy out exit. Most startups at their inception have the hope, if not the expectation, that they will eventually receive venture capital funding.
In the current environment, venture capital funding has become more competitive, but it is still available. This presentation will cover what a startup should do to prepare for venture funding, what essential steps to take, what venture capitalists expect and how to avoid venture capital deal breakers.
Financing Your Future Module 5 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
While retirement may be years away, planning for it can start now. The fundamentals of retirement income planning are presented along with strategies to help insulate a portfolio from possible inflation and deflation while increasing portfolio income to fund a sustainable retirement lifestyle.
The document outlines challenges facing a college including permanent state funding cuts, rising health insurance and retirement costs, and a declining accumulated fund balance. It discusses various strategies under consideration to address the budget issues such as adjusting the allocation model, increasing tuition, managing health insurance and compensation costs, and generating additional revenue through annexation or grants. A timeline is proposed for negotiating changes to take effect in 2012.
This document discusses defined benefit plans as a tax strategy for individuals with self-employment income or small business owners. It provides an overview of defined benefit plans, compares them to other retirement plans, and highlights how they can maximize tax-deferred retirement contributions and savings. The document then presents several hypothetical examples of how defined benefit plans could benefit different types of medical professionals, including solo practitioners, married couples, small group practices, and those with fluctuating incomes. It also reviews eligible compensation, key dates, fees and the process for establishing a defined benefit plan.
Securing Your Financial Base Module 4 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The document discusses PNC's integrated approach to providing customized financial solutions for commercial clients through a team approach. The team includes Leigh Pegues from commercial banking and Heather Baker from wealth management. They work together to provide options for business owners regarding transitioning ownership and protecting wealth, such as through selling the business, employee stock options, or taking the company public. The team develops long-term customized plans to help clients achieve their financial goals.
Benefits and beyond c. 12 govt sponsored and mandatedtemurphy
The document discusses government sponsored and mandated retirement and health benefits in the United States, focusing on Social Security and Medicare. Social Security is a defined benefit plan funded by payroll taxes that provides retirement benefits based on average lifetime earnings. It faces long-term funding issues due to increasing life expectancies and an aging population. Medicare provides health coverage for those over 65 and is funded through a payroll tax. It has become increasingly important as employer-sponsored retiree health coverage has declined. The document examines eligibility rules, benefit structures, and contemporary issues for both programs.
Karin D. Knoop is a Financial Advisor at Waddell & Reed, Inc. She holds degrees in business management and securities licenses. Her passion is helping clients achieve their financial goals through comprehensive financial planning. This includes identifying objectives, analyzing situations, implementing strategies, and monitoring progress. She believes in financial education for people of all backgrounds and offers community workshops on topics like money management, saving, investing, and more. Her goal is to help clients achieve financial security through Waddell & Reed's planning process.
The document discusses collaboration as a strategy that enables diverse teams to work together physically and virtually to create value through innovation, intimacy with customers, and increased efficiencies. It defines collaboration as a strategy that allows customers, consultants, and vendors to compare different means and risks of enabling that strategy. The document also discusses JDL Strategies' partnership program called The Frontier Club which aims to collaborate with like-minded businesses to add value and provide additional income streams and growth opportunities for partner businesses through active collaboration.
Starting Your Prudent Financial Plan outlines the importance of having a financial plan. It notes that without a plan, people experiment with their money without direction and end up buying unnecessary financial products. A financial plan provides a roadmap that can make achieving financial goals less stressful. It asks key questions about retirement savings, education funding, insurance needs, and net worth. Developing a financial plan involves setting goals, assessing one's current financial situation, and constructing a plan to fund goals while avoiding risks. The plan provides clarity on goals and savings needs as well as ensuring investments are efficient and help achieve financial security.
Understand what kind of practice you have
Real life examples of how to be more profitable
Specifics on what and how to implement at your practice
ZHC Dashboard & Benchmark Tool
The document provides a comprehensive financial plan for Mr. Prospect and his family. It assesses their current financial situation, future goals, and recommends products and investments. Some of their key goals include life insurance of Rs. 75 lacs, health insurance of Rs. 20 lacs, disability insurance of Rs. 50 lacs, critical illness cover of Rs. 25 lacs and Rs. 15 lacs, and education funds of Rs. 15 lacs and Rs. 10 lacs for their son's graduation and post-graduation respectively. The plan provides funding maps, asset allocation recommendations, and a one year action plan to achieve their goals in a timely manner.
The document summarizes Strongbrook's approach to empowering personal and financial success through three pillars: facilitated real estate investment, business ownership, and personal development. It outlines Strongbrook's services which include designing personalized game plans, educating on growth markets, identifying investment opportunities, and managing acquired properties. The document promotes Strongbrook's track record and ability to help clients build substantial residual retirement income through real estate within 5-10 years, compared to the traditional accumulation approach of working 30+ years and saving. It invites readers to access Strongbrook's team and investment opportunities by purchasing a MAP package.
Case study on how we helped a business couple to prepare their business for sale so that they could stop working and start doing the things they really wanted to do with their lives. As part of the process we helped them understand how much money would be needed to fund their desired lifestyle without ever running out of money.
How financial planning aided a business hit by credit crunchFrank Nolan
- A construction company owned by Stephen and Kate fell on hard times during the credit crunch and was struggling with debt. They turned to Navigator Financial Planning for help.
- Navigator conducted a full financial review and created a plan to consolidate investments, pay down debt by crystallizing Kate's pension, and allow Stephen to retire at 65 as planned.
- The plan demonstrated that using Kate's pension transfer value to pay debt was not necessary and would give up valuable guaranteed benefits. Regular reviews ensure they remain on track to meet their goals.
How financial planning aided a business hit by credit crunchFrank Nolan
- A construction company owned by Stephen and Kate fell on hard times during the credit crunch and was struggling with debt. They turned to Navigator Financial Planning for help.
- Navigator's team approach was required due to the numerous financial factors involved, including the company's debts and assets, Kate's pension, and their various investments.
- The analysis showed their portfolio was riskier than their profile and underperforming. A financial plan was created that consolidated investments, reduced debt without using Kate's pension, and allowed Stephen to retire at 65 as planned.
accounting report on Mutual Trust Bank muna_tasneem
The document provides an overview of the consolidated financial statements of Mutual Trust Bank for the year ended 2011. It discusses the accounting standards and rules that were applied in preparing the financial statements, including BAS, BFRS, and standards around inventories, cash flows, policies, taxes, and more. It also provides background information on Mutual Trust Bank, including its subsidiaries, mission, vision, financial highlights for 2014, and components of financial statements like the balance sheet, income statement, and statement of cash flows.
LA VIDA ES PRECIO
SOMOS PRECIOSOS NO VALIOSOS
LA MERCANCIA TIENE VALOR
LA VIDA PRECIO
Omo Linguistica es Formación Uni VER SOL
ayuda a reconocer lo despistado de las creencias
pseudo ciencias, academicas enclaustrantes
POR QUE NO DESPERTAR A LA CIENCIA?
A LA VERDAD
A LA GRACIA,
VIENDO QUE LAS CREENCIAS HAN GENERADO
TANTOS EXTREMOS
TANTAS MISERIAS
no educa No Induce
estimula el descubrimiento de la realidad
a través del Lenguaje
PERDIERON EL CONTACTO CON LA REALIDAD
ES HORA DE DESPERTAR
DE ROMPER CON
EL CIRCULO VICIOSO E IRESPONSABLE
ILUSION- Des ILUSION
OMO LINGUISTICA 2002
DESARROLLO DE INTELIGENCIA
NUESTRA FALLA HAN SIDO LAS CREENCIAS
ANTRO ANTROPOCENTRICAS
EL IDOMA TIENE UNOS 256.000 VOCABLOS
DE LOS CUALES SOLO UNOS 16 MIL SON REALES
240 MIL SITUACIONES SON FALACES
HOY OMO LINGUISTICA PROPONE
EL RESCATE DE LA VITA
INVITA A LA VITA
SIN IDEOLOGIAS SIN CREDOS SIN CLAUSTROS
IMPUESTOS
The document references several Bible passages about judging based on outward appearance and the importance of loving others. It contains repeated references to Psalm 67 which involves God being merciful to people and blessing them.
Research shows that a single toxic employee can cost an organization upwards of $12,800 due to additional turnover caused by the bad apple. To learn more about how to spot a toxic employee, visit http://csod.info/toxicemployee.
The new UK & Ireland Furniture Manufacturing Collection 2017-2019 BrochureEGGER UK
Inspiring possibilities - Consumer know-how of design trends has never been so great. Nor has it ever been so easily accessible. That's why you need a resource that gives you a large variety of not only choice, but possibility. The possibility to create furniture that stands out against your competition...
that gives you the edge. The possibility to create combinations that others don't have the foresight to see. We hope you‘ll be inspired with what's inside this new collection – and if you‘re looking for new ideas to stimulate your range or offer, we're sure there‘s plenty to recharge your imagination.
The Internet of Things (IoT) involves networks of devices that are connected and can communicate with each other. It is not just about connecting devices to the Internet, but about the devices forming networks and communicating within those networks. IoT represents a fundamental change where devices play a key role rather than just the Internet. It involves network-to-network communication rather than just device-to-Internet communication. Initial steps involve designing networks that can be placed in various environments like hospitals, factories, etc. where devices within the network can communicate using their own protocols. The next step connects these networks together to form a network of networks.
Securing Your Financial Base Module 4 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The document discusses PNC's integrated approach to providing customized financial solutions for commercial clients through a team approach. The team includes Leigh Pegues from commercial banking and Heather Baker from wealth management. They work together to provide options for business owners regarding transitioning ownership and protecting wealth, such as through selling the business, employee stock options, or taking the company public. The team develops long-term customized plans to help clients achieve their financial goals.
Benefits and beyond c. 12 govt sponsored and mandatedtemurphy
The document discusses government sponsored and mandated retirement and health benefits in the United States, focusing on Social Security and Medicare. Social Security is a defined benefit plan funded by payroll taxes that provides retirement benefits based on average lifetime earnings. It faces long-term funding issues due to increasing life expectancies and an aging population. Medicare provides health coverage for those over 65 and is funded through a payroll tax. It has become increasingly important as employer-sponsored retiree health coverage has declined. The document examines eligibility rules, benefit structures, and contemporary issues for both programs.
Karin D. Knoop is a Financial Advisor at Waddell & Reed, Inc. She holds degrees in business management and securities licenses. Her passion is helping clients achieve their financial goals through comprehensive financial planning. This includes identifying objectives, analyzing situations, implementing strategies, and monitoring progress. She believes in financial education for people of all backgrounds and offers community workshops on topics like money management, saving, investing, and more. Her goal is to help clients achieve financial security through Waddell & Reed's planning process.
The document discusses collaboration as a strategy that enables diverse teams to work together physically and virtually to create value through innovation, intimacy with customers, and increased efficiencies. It defines collaboration as a strategy that allows customers, consultants, and vendors to compare different means and risks of enabling that strategy. The document also discusses JDL Strategies' partnership program called The Frontier Club which aims to collaborate with like-minded businesses to add value and provide additional income streams and growth opportunities for partner businesses through active collaboration.
Starting Your Prudent Financial Plan outlines the importance of having a financial plan. It notes that without a plan, people experiment with their money without direction and end up buying unnecessary financial products. A financial plan provides a roadmap that can make achieving financial goals less stressful. It asks key questions about retirement savings, education funding, insurance needs, and net worth. Developing a financial plan involves setting goals, assessing one's current financial situation, and constructing a plan to fund goals while avoiding risks. The plan provides clarity on goals and savings needs as well as ensuring investments are efficient and help achieve financial security.
Understand what kind of practice you have
Real life examples of how to be more profitable
Specifics on what and how to implement at your practice
ZHC Dashboard & Benchmark Tool
The document provides a comprehensive financial plan for Mr. Prospect and his family. It assesses their current financial situation, future goals, and recommends products and investments. Some of their key goals include life insurance of Rs. 75 lacs, health insurance of Rs. 20 lacs, disability insurance of Rs. 50 lacs, critical illness cover of Rs. 25 lacs and Rs. 15 lacs, and education funds of Rs. 15 lacs and Rs. 10 lacs for their son's graduation and post-graduation respectively. The plan provides funding maps, asset allocation recommendations, and a one year action plan to achieve their goals in a timely manner.
The document summarizes Strongbrook's approach to empowering personal and financial success through three pillars: facilitated real estate investment, business ownership, and personal development. It outlines Strongbrook's services which include designing personalized game plans, educating on growth markets, identifying investment opportunities, and managing acquired properties. The document promotes Strongbrook's track record and ability to help clients build substantial residual retirement income through real estate within 5-10 years, compared to the traditional accumulation approach of working 30+ years and saving. It invites readers to access Strongbrook's team and investment opportunities by purchasing a MAP package.
Case study on how we helped a business couple to prepare their business for sale so that they could stop working and start doing the things they really wanted to do with their lives. As part of the process we helped them understand how much money would be needed to fund their desired lifestyle without ever running out of money.
How financial planning aided a business hit by credit crunchFrank Nolan
- A construction company owned by Stephen and Kate fell on hard times during the credit crunch and was struggling with debt. They turned to Navigator Financial Planning for help.
- Navigator conducted a full financial review and created a plan to consolidate investments, pay down debt by crystallizing Kate's pension, and allow Stephen to retire at 65 as planned.
- The plan demonstrated that using Kate's pension transfer value to pay debt was not necessary and would give up valuable guaranteed benefits. Regular reviews ensure they remain on track to meet their goals.
How financial planning aided a business hit by credit crunchFrank Nolan
- A construction company owned by Stephen and Kate fell on hard times during the credit crunch and was struggling with debt. They turned to Navigator Financial Planning for help.
- Navigator's team approach was required due to the numerous financial factors involved, including the company's debts and assets, Kate's pension, and their various investments.
- The analysis showed their portfolio was riskier than their profile and underperforming. A financial plan was created that consolidated investments, reduced debt without using Kate's pension, and allowed Stephen to retire at 65 as planned.
accounting report on Mutual Trust Bank muna_tasneem
The document provides an overview of the consolidated financial statements of Mutual Trust Bank for the year ended 2011. It discusses the accounting standards and rules that were applied in preparing the financial statements, including BAS, BFRS, and standards around inventories, cash flows, policies, taxes, and more. It also provides background information on Mutual Trust Bank, including its subsidiaries, mission, vision, financial highlights for 2014, and components of financial statements like the balance sheet, income statement, and statement of cash flows.
LA VIDA ES PRECIO
SOMOS PRECIOSOS NO VALIOSOS
LA MERCANCIA TIENE VALOR
LA VIDA PRECIO
Omo Linguistica es Formación Uni VER SOL
ayuda a reconocer lo despistado de las creencias
pseudo ciencias, academicas enclaustrantes
POR QUE NO DESPERTAR A LA CIENCIA?
A LA VERDAD
A LA GRACIA,
VIENDO QUE LAS CREENCIAS HAN GENERADO
TANTOS EXTREMOS
TANTAS MISERIAS
no educa No Induce
estimula el descubrimiento de la realidad
a través del Lenguaje
PERDIERON EL CONTACTO CON LA REALIDAD
ES HORA DE DESPERTAR
DE ROMPER CON
EL CIRCULO VICIOSO E IRESPONSABLE
ILUSION- Des ILUSION
OMO LINGUISTICA 2002
DESARROLLO DE INTELIGENCIA
NUESTRA FALLA HAN SIDO LAS CREENCIAS
ANTRO ANTROPOCENTRICAS
EL IDOMA TIENE UNOS 256.000 VOCABLOS
DE LOS CUALES SOLO UNOS 16 MIL SON REALES
240 MIL SITUACIONES SON FALACES
HOY OMO LINGUISTICA PROPONE
EL RESCATE DE LA VITA
INVITA A LA VITA
SIN IDEOLOGIAS SIN CREDOS SIN CLAUSTROS
IMPUESTOS
The document references several Bible passages about judging based on outward appearance and the importance of loving others. It contains repeated references to Psalm 67 which involves God being merciful to people and blessing them.
Research shows that a single toxic employee can cost an organization upwards of $12,800 due to additional turnover caused by the bad apple. To learn more about how to spot a toxic employee, visit http://csod.info/toxicemployee.
The new UK & Ireland Furniture Manufacturing Collection 2017-2019 BrochureEGGER UK
Inspiring possibilities - Consumer know-how of design trends has never been so great. Nor has it ever been so easily accessible. That's why you need a resource that gives you a large variety of not only choice, but possibility. The possibility to create furniture that stands out against your competition...
that gives you the edge. The possibility to create combinations that others don't have the foresight to see. We hope you‘ll be inspired with what's inside this new collection – and if you‘re looking for new ideas to stimulate your range or offer, we're sure there‘s plenty to recharge your imagination.
The Internet of Things (IoT) involves networks of devices that are connected and can communicate with each other. It is not just about connecting devices to the Internet, but about the devices forming networks and communicating within those networks. IoT represents a fundamental change where devices play a key role rather than just the Internet. It involves network-to-network communication rather than just device-to-Internet communication. Initial steps involve designing networks that can be placed in various environments like hospitals, factories, etc. where devices within the network can communicate using their own protocols. The next step connects these networks together to form a network of networks.
The E3 Educator Experience is a program that allows teachers to complete week-long externships with local employers in July 2017. The externships provide opportunities for teachers to make connections between classroom lessons and real-world job skills, build partnerships with employers, and gain hands-on experience with new technologies. The program is open to 4th through 12th grade teachers who plan to return to the classroom in the fall. Teachers can apply online by April 17th and will receive a stipend for participating.
Those are the slides I have been using to introduce my research about a spatial approach for the analysis of terrorism vulnerability at the 2012 Annual Meeting of the Japan Geoscience Union (JpGU) at Makuhari Messe on May 22nd, 2012, and the 5th Annual Meeting of the Japan Association on Geographical Space (JAGS) at the Tokyo Campus of Tsukuba University on June 30th, 2012.
Discussing the challenges of communication that affect us all and techniques to help you be more effective
- Six Thinking Hats
- Thinking Fast & Slow
- Cognitive bias / confirmation bias
This talk was last given at DevRelCon in London, December 2016.
Cómo elegir Directores de Instituciones EducativasRaymundo Carmona
Este documento discute los criterios para seleccionar directores de instituciones educativas. Propone que los directores deben tener títulos de posgrado, experiencia docente o administrativa de al menos 5 años, dedicación de tiempo completo, conocimiento de modelos educativos y tecnologías de la información, y demostrar liderazgo y valores. También resume competencias clave como la formación continua, mejora de la escuela, apoyo a docentes, ambiente de aprendizaje, y vínculos con la comunidad. Alienta a participar en la reform
There were many holy wells in the Kidwelly area associated with saints. The geology of limestone around coal seams led to abundant spring water. Wells were visited on religious pilgrimages, often located by churches and monasteries. Pilgrims may have arrived by boat or along the Portway route, visiting wells like Ffynnon Fair, Ffynnon Stockwell, and Ffynnon Cobswell, before departing west along other pilgrimage routes. Wells were seen as holy sites and their waters believed to have healing properties, though over time some sites took on more secular roles in local customs. The origins and locations of some wells remain unclear.
This short document promotes the creation of Haiku Deck presentations on SlideShare and encourages the reader by stating they may feel inspired. It includes three stock photos and a call to action to get started making their own Haiku Deck presentation on SlideShare.
Graal is a dynamic meta-circular research compiler for Java that is designed for extensibility and modularity. One of its main distinguishing elements is the handling of optimistic assumptions obtained via profiling feedback and the representation of deoptimization guards in the compiled code. Truffle is a self-optimizing runtime system on top of Graal that uses partial evaluation to derive compiled code from interpreters. Truffle is suitable for creating high-performance implementations for dynamic languages with only moderate effort. The presentation includes a description of the Truffle multi-language API and performance comparisons within the industry of current prototype Truffle language implementations (JavaScript, Ruby, and R). Both Graal and Truffle are open source and form themselves research platforms in the area of virtual machine and programming language implementation (http://openjdk.java.net/projects/graal/).
Taller impartido en el Centro Regional de Formación Docente e Investigación Educativa del Estado de Sonora (CRFDIES) en Hermosillo, Sonora, México, el 30 de enero de 2017. Este taller ha sido organizado por CRFDIES y la Escuela de Humanidades y Educación del Instituto Tecnológico de Monterrey.
Se va a presentar el concepto de revisión sistemática de literatura, del inglés Systematic Literature Review (SLR), además del concepto de mapeo sistemático de literatura, del inglés Systematic Literature Mapping (SLM).
This document contains sections related to prescribing information, dosage, administration instructions, clinical studies, and side effects of a medication. It includes sections on indications and usage, contraindications, warnings, adverse reactions, drug interactions, and usage in specific populations such as pediatrics. Safety information, storage instructions, and counseling points for patients are also provided.
Quantum Wealth Seminar Presentation February 2019Peter Gribble
Peter Gribble presented at the Quantum Wealth Seminar in February 2019. The presentation provided an overview of Quantum, its services, and the current economic and property market conditions. It then discussed how to build a wealth plan, including tax structures, timelines, asset choices, and the Quantum wealth model. A case study demonstrated how different options like paying off a home loan, contributing more to superannuation, or investing in shares or property could significantly increase retirement savings over 18 years.
Case study on how we helped a retired executive who needed to work out whether he had enough put aside to continue with his lifestyle in retirement and also whether he could afford to purchase a property abroad. By creating a comprehensive financial plan we were able to show him that he had enough accumulated to afford to fund his lifestyle and buy the property. We also helped him to simplify his financial affairs.
The document summarizes the state of the qualified retirement plan space in mid-2010. It discusses that markets have been volatile but not truly down for the year. Legislative changes have increased oversight and fee disclosure requirements. Plan designs are seeing more automatic enrollment and Roth options. The remainder provides case studies on situations involving a participant's market timing, the impact of suspending safe harbor contributions, and implementing a carve-out plan design. It encourages analyzing plans for customization and fiduciary support.
The document discusses the importance of business planning for charities. It notes that business planning helps charities understand themselves as businesses, identify gaps and resource needs, build teamwork, and guide operations. Case studies are provided of charities that benefited significantly from business planning assistance provided by The Cranfield Trust's volunteers. The document emphasizes that effective business planning is crucial for charities to survive funding cuts, remain financially sustainable, and achieve their goals.
This document provides summaries of several articles from an investment magazine. It discusses how Millennials view money and investing differently than previous generations, focusing more on social media companies and expecting transparency. It also summarizes an article on how corporate stock buybacks provide continued support for stock prices. Finally, it interviews an advisory couple on how they get to know clients personally and use active money managers to construct customized portfolios tailored to each client's needs and risk tolerance.
Case study on how we helped a couple to work out whether they could retire early based on their accumulated pensions and savings. We did this by developing comprehensive financial plan based around their resources now and into the future, taking as little risk as possible.
The document provides an annual review for Pinnacle Financial Consultants. It summarizes the company's core principles of putting clients first, being the best through expertise and innovation, creating an empowering environment, and being a leader in corporate citizenship. It then discusses the company's services in private client consulting, private placement investing, and retirement benefits. It highlights the company's community involvement and industry leadership. It provides an overview and examples of the company's work in 2014 in private client consulting, private placement investing, 401(k) plans, and nonqualified plans.
Case study on how we helped a couple deal with the implications of a serious illness to the husband. We saw them through the process of re-assessing their financial situation, making claims to various insurance companies and putting their future finances on a secure footing.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
Government Industry Partners - GovCon Wealth - GROW: Building a Sellable GovC...JSchaus & Associates
JSchaus & Associate's Government Industry Partners (GIP) Webinar Series
PUT ON A WEBINAR WITH US!
Share your company content to a live audience of US Federal Government Contractors.
We will promote your webinars through our network, newsletter, social media, and digital marketing efforts reaching 23,000+ subscribers.
Webinars are live and can be published on our YOUTUBE channel.
CONTACT US at hello@jenniferschaus.com and ask for our MEDIA KIT.
This quarter's activity focused on cash flow planning for future needs such as retirement withdrawals, college expenses, and other obligations. Cash flow planning can address a range of future needs and alleviate anxiety by providing a clear roadmap, though it requires an initial time commitment. Next quarter will focus on estate and legacy planning. The document also provides contact information and the location of important financial documents.
The document discusses several topics:
1) The introduction of new pension freedom rules in the UK which gave clients more flexibility in how they access their pension benefits. These rules were well-received by clients.
2) Global market volatility in 2015 and the importance of reducing investment risk.
3) New auto-enrollment legislation that will require all UK employers to enroll their staff in a workplace pension by 2018. The company offers a low-cost pension solution for small businesses.
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How financial planning aided a business hit by credit crunch
1. S
HowFinancialPlanningaided
abusinesshitbycreditcrunch
A constructioncompanyfellon hardtimesafterthe crash and was struggling withdebt.Thefirm
neededhelpandturnedtoAccreditedFinancialPlanningFirmNavigatorinNorthernIreland.
tephen, aged 62, was a very successful
property developer running his own
construction company with his wife, Kate.
During the credit crunch the business was
badly affected. There were numerous
banking facilities in place against the value of
land which was now valued at a fraction of the
original cost. Further to charges over the land,
the banking facilities were also secured with
personal guarantees against Stephen.
Kate works along with her husband in the
construction business. Prior to that she worked
in a large organisation, which has provided
her with a preserved Defined Benefit pension.
Their home in Northern Ireland is unencum-
bered with a value of approximately £900,000.
They have five children, most of whom are
married with their own children. They have
one daughter however, who is “still on the
payroll” while she is at university.
Stephen and Kate enjoy spending time with
their children and grandchildren, visiting their
holiday home in Donegal and travelling to the
Canary Islands. They had planned to originally
retire at age 60 however this was pushed back
when the credit crunch took hold. Their main
objective now is for Stephen to be able to retire
at65.
The couple were referred to us by their
accountant, a professional connection of
Navigator’s. Basically, Stephen and Kate were
worried that they would not be able to meet
their objective of Stephen retiring at 65 consid-
ering the personal guarantees which the bank
held in relation to property loans. They had
numerous retail investments across various
wrappers including ISA, SSAS, personal
pensions and investment bonds. They also had
Kate’suncrystallised Defined Benefit scheme
which had an NRA of 60 (just a few months
away).
Stephen and Kate’s initial query was that
they wanted to know if they could use the very
significant transfer value in Kate’s pension to
pay down some of the loan facilities and help
remove the personal guarantees from Stephen’s
name. The short answer to this question was
of course, yes. The prudent response however
was, should they? This is where the initial
meeting and setting objectives became vital.
At the first meeting, we established Stephen
and Kate’s real objectives. We soon discovered
that their initial question regarding Kate’s
pension was only part of the overall objective
– of allowing Stephen to be able to retire at age
65.
It was very clear at this point that the team
approach at Navigator would be required in
this case. There were so many moving parts to
the scenario (the company, debts, assets and
investments), that the clients really did not
know where they were now, let alone howthey
would achieve their objectives. It would take a
joined up, team approach to help ensure that
Stephen and Kate received the level of advice
and service required to help them to under-
stand and work towards their long-term objec-
tives. Our proposal therefore was very focused
Continued on page 18
www.financialplanningtoday.co.uk | | 17
PLANNER CASEBOOK
Timesweretoughforconstructionfirmswhen
thecreditcrunchhitandtheseclients were
amongthosetosuffer.
Casebook Brief
Stephen (62) and Kate (59) were referred to us by a local accountancy practice (a long standing professional connection) as they were in need of
some advice regarding their personal finances. The couple have a property development business which, during the credit crunch, experienced
some verydifficult times.
It continues to work its way out of debt and this is one of the main reasons why their accountant asked us to speak with them. Stephen had
some personal guarantees on banking facilities and wanted to alleviate some of the hurt that these were causing, without impacting severely on
their long-term goals. Both he and Kate wanted to tidy up their affairs with the objective of being fully retired by the time Stephen is 65.
This is a real life case study. Names and some other details have been changed to protect confidentiality.
2. John Sloan, Financial Planner at Navigator Financial Planning
John Sloan is a Financial Planner with Navigator Financial Planning, a CISI Accredited Financial Planning Firm, having
joined in March 2016. He is now approaching 10 years in the industry. John works closely with fellow planners at
Navigator - director David Crozier and Dale Kirkpatrick, in helping clients to plan for their financial future. Navigator’s
aim is to ensure that all their clients are afforded the same high level of advice and service from every member of the team
and it is this team approach which John feels is vital for the future of the industry. A keen golfer and aspiring chef, John
will usually be found on the golf course, in the kitchen or spending time with his young family.
Continued from page 17
on Financial Planning and would involve the
use of cashflow modelling.
There were many factors which had to be
considered - the deferred Defined Benefit
pension, several personal pensions (including
a SSAS, as well as a mishmash of retail invest-
ments thus adding to the complexity of the
case. This was when the joint team effort really
worked well as our technical experts came in
and provided their expertise regarding the
case.
Once information was collected in
relation to the existing retail investments, we
conducted a full analysis using the Navigator
Portfolio Analysis Tool. This revealed that the
overall portfolio was out of kilter for Stephen
and Kate in terms of their risk profile as the
asset allocation was heavily skewed to UK
Equities. It also showed that the current
portfolio was underperforming in comparison
to what should have happened had they
invested simply in the underlying asset classes.
This underperformance was partly down to
poor performance by the existing active fund
managers, exacerbated by the fairly high fees.
Stephen and Kate were very surprised to
hear this information – especially in terms
of the overall risk profile of their current
portfolio. The next step was to create a
financial plan. This was based largely on the
cashflow model built using Voyant. This
helped to demonstrate the current financial
situation to Stephen and Kate. It furthermore
helped show the steps that would we would
need to take to ensure their long term financial
security. These steps included–
Consolidation of retail investments to a
platform. This would include personal
pension switches, GIA and ISA transfers to a
single platform (with overall lower charging
structure as well as permitting a single
investment strategy)
Adherence to a single, evidence based
investment strategy based on a strategic
asset allocation model
Biannual Regular Progress Meetings
Utilisation of current personal cash deposits
and company working capital to help reduce
overall liability, thus releasing Stephen’s
personal guarantees
CrystallisingKate’sdeferredDefined Benefit
Pension (see notesbelow)
The crucial point from the financial plan
was that they did not need to use Kate’s
deferred Defined Benefits pension to reduce
the overall debt and remove the personal
guarantees. We carried out detailed analysis of
the DB Pension taking into consideration the
transfer values, Kate’s risk profile and overall
DB pension benefits. These were compared to
the potential benefits of a transfer to a personal
pension including overall death benefits and
25% PCLS (tax free cash).
This showed that it was more beneficial
for Kate to crystallise her DB pension and
pay down some of the existing debt using her
PCLS (tax free cash) and income. This was
factored into the financial plan, along with the
cashflow model, and demonstrated that the
debt could be paid down in full by the end of
2017 (when business transactions and income
were also considered). This process showed
that as attractive as it may have seemed to vest
pension benefits (due to pension freedoms)
via a transfer, the rights given up would be
disproportionate and the overall objectives
could be achieved by other means. Not only
has the immediate objective of reducing the
personal guarantees been achieved, but Kate
has a guaranteed income for the rest of her life,
which suits her cautious risk profile.
Stephen and Kate’s company has a SSAS.
This consists of commercial development
land (75%), which will eventually be sold to
the property development company and cash
(25%). Since 75% of the value of the SSAS
is intrinsically linked to the potential sale of
assets to the property development business we
elected not to include it in the overall cashflow
modelling as it may A) not sell for what the
clients believe to be true value and B) may
not be sold for several years (past Stephen’s
retirement date). The cash within the SSAS is
also earmarked for liquidity purposes within
the sponsoring employer if needs be. In this
instance, we decided to run a number of ‘What
If ’ scenarios on the cashflow model. This
showed that if the commercial development
land was sold before retirement date and for its
true value then Stephen could afford to retire
before 65.
Once we presented the solution to Stephen
and Kate they were not only happy but also
visibly relieved. They were now in a position
whereby if they continued doing what they did
best – develop property – they would be able
to fully retire when Stephen was 65. Indeed,
they could achieve their objectives sooner if
the property development business improved
somewhat and the commercial development
land was sold from the SSAS. This was a very
powerful message to relay to the clients who
had genuine concern over their long term
financial future.
For Stephen and Kate this was both a life
changing and life enhancing experience.
The use of the financial plan meant that they
moved away from a transactional service to a
comprehensive Financial Planning experience.
They were able to achieve their objectives
without giving up the valuable benefits of the
DB pension. They now have the confidence to
move forward with their lives, knowing that
their financial future was on track and being
reviewedviaourservice.
02830851199 www.navigatorfp.com
Keypoint1 Itisofteneasyforclientstoconfuse
the symptoms and the disease. In this case
Stephen and Kate could only think about
reducingdebtbyanymeanspossible,without
lookingattheiroverallobjective.
Keypoint2Althoughattractiveatfirstsight,the
transferofKate’sdeferredDefinedBenefitPension
wasnottheonlypotentialsolutionandthiswas
shownthroughtheprocess.Infact,inthiscaseit
wouldhavebeenthewrongsolution.
Key Point3 Proper Financial Planning, using
cashflow modelling, showed that taking a
comprehensiveviewontheentiresituationwas
farmoreeffectivethanatransactional,piecemeal
approach.
18 | | www.financialplanningtoday.co.uk
PLANNER CASEBOOK
What Happened Next...
Once the process was fully completed we sat down with Stephen and Kate to take stock of their new position. Wespoke in depth about the
business and they felt that they had really turned a corner. They informed us that business was improving steadily and the property
development company was considering purchasing some of the commercial development land from the SSAS. Further to this there was
increased liquidity within the company and as such there would be little to no potential reliance on the cash within the SSAS.
Wehave agreed to regular contact about this to ensure that we can begin the process of making this capital work harder for Stephen and Kate,
when the time is right. Since the initial Financial Planning session completed we have been in regular contact with Stephen and Kate to keep
them aware of what is happening in the background. For their part, Stephen and Kate are now in a position whereby a weight has been lifted
from their shoulders. They now have some more time to spend with their family and to enjoy regular holidays while still working towards their
main objective.