How you can pay off 20,000 in credit card debt in 5 years
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The document provides information on how to pay off $20,000 in credit card debt within 5 years. It outlines three payment plans: the even plan which divides payments equally among cards; the snowball plan which pays off the smallest balance first to build momentum; and the smart plan which targets the highest interest rate debt first. The document advises gathering information like balances and interest rates, calculating monthly interest and principal payments, finding additional sources of income, reducing spending, and maintaining consistent progress to stick to the plan and eliminate debt over time.
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Money Management - Personal (Comprehensive) PowerPoint Presentation 176 slide...
PowerPoint Content Sides Include:
• Program objectives (6 points)
• Money management (4 points)
• Prioritizing your budget (5 slides)
• Budget box system (3 points)
• Computer system (5 points)
• Expense envelope system (4 points)
• Sample daily spending diary worksheet (graphic)
o Daily spending diary worksheet (3 points)
• Monthly income and expense worksheet (8 points + graphic)
• Monthly payment calendar (6 points)
• Monthly expenses (6 points)
• Selling a car (10 points)
• Car loan shopping guide (8 points)
• Dealer financing (5 slides)
• To loan or to lease (2 points + 2 graphics)
• Trade-in tips (8 points)
• A home for every family (2 points)
• Ideas (4 points)
• Homeowner education program (4 points)
• Government loan program (3 slides)
• Are you ready to buy a home? (5 slides)
• Components of a low mortgage loan payment (5 points + graphic)
• Federal housing administration (FHA) insured loans (4 points)
• VA insured loans (5 points)
• FNMA and Freddie Mac (5 points)
• USDA loan program (graphic)
• How much mortgage can I afford? (3 points)
o What lenders look for (3 points)
o What lenders require (7 points)
• Mortgage terms (4 slides)
• Checks (6 points)
• Pre-printed information (5 points)
• Back of the check (2 slides)
• Bounce protection (11 points)
• Checking account fees (3 points)
o What fees can I expect? (graphic)
• Determine your account needs (2 points + graphic)
• Choosing a checking account (3 points)
o Checking account checklist
o Checking account (2 points)
o Types of checking accounts (2 points)
o Low-cost checking (4 points)
o ATM checking (4 points)
o Regular checking (2 points)
o Interest checking (2 points)
• Consequences of bouncing a check (3 slides)
• Protecting yourself (3 slides)
• Deposit slip for cash (9 slides)
• Checking account register (2 points + graphic)
o Correcting a mistake (2 points)
o Voiding checks (2 points)
• Check for cash (4 points)
• Less cash received (3 slides + graphic)
• Collateral (3 slides)
o Credit decisions
• Bankruptcy (7 points)
• Credit counseling (6 points)
o Debt management (5 slides)
• Credit report (5 points)
• Fair credit reporting act (3 points)
• Credit counseling agencies (7 slides)
• Credit decisions (point + graphic)
• Applying for credit (9 points)
• Cost of credit (2 slides)
• Credit terms (3 points + graphic)
• Building credit history (5 slides)
• Repairing your credit (4 points)
• Repairing credit using counseling agencies (3 slides)
• The truth about credit repair (5 slides)
• Credit and debit cards (graphic)
• Spending (10 points)
• Conclusion (2 points)
• Actions steps (16 points)
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Money Management - Personal (Comprehensive) PowerPoint Presentation 176 slide...
PowerPoint Content Sides Include:
• Program objectives (6 points)
• Money management (4 points)
• Prioritizing your budget (5 slides)
• Budget box system (3 points)
• Computer system (5 points)
• Expense envelope system (4 points)
• Sample daily spending diary worksheet (graphic)
o Daily spending diary worksheet (3 points)
• Monthly income and expense worksheet (8 points + graphic)
• Monthly payment calendar (6 points)
• Monthly expenses (6 points)
• Selling a car (10 points)
• Car loan shopping guide (8 points)
• Dealer financing (5 slides)
• To loan or to lease (2 points + 2 graphics)
• Trade-in tips (8 points)
• A home for every family (2 points)
• Ideas (4 points)
• Homeowner education program (4 points)
• Government loan program (3 slides)
• Are you ready to buy a home? (5 slides)
• Components of a low mortgage loan payment (5 points + graphic)
• Federal housing administration (FHA) insured loans (4 points)
• VA insured loans (5 points)
• FNMA and Freddie Mac (5 points)
• USDA loan program (graphic)
• How much mortgage can I afford? (3 points)
o What lenders look for (3 points)
o What lenders require (7 points)
• Mortgage terms (4 slides)
• Checks (6 points)
• Pre-printed information (5 points)
• Back of the check (2 slides)
• Bounce protection (11 points)
• Checking account fees (3 points)
o What fees can I expect? (graphic)
• Determine your account needs (2 points + graphic)
• Choosing a checking account (3 points)
o Checking account checklist
o Checking account (2 points)
o Types of checking accounts (2 points)
o Low-cost checking (4 points)
o ATM checking (4 points)
o Regular checking (2 points)
o Interest checking (2 points)
• Consequences of bouncing a check (3 slides)
• Protecting yourself (3 slides)
• Deposit slip for cash (9 slides)
• Checking account register (2 points + graphic)
o Correcting a mistake (2 points)
o Voiding checks (2 points)
• Check for cash (4 points)
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• Collateral (3 slides)
o Credit decisions
• Bankruptcy (7 points)
• Credit counseling (6 points)
o Debt management (5 slides)
• Credit report (5 points)
• Fair credit reporting act (3 points)
• Credit counseling agencies (7 slides)
• Credit decisions (point + graphic)
• Applying for credit (9 points)
• Cost of credit (2 slides)
• Credit terms (3 points + graphic)
• Building credit history (5 slides)
• Repairing your credit (4 points)
• Repairing credit using counseling agencies (3 slides)
• The truth about credit repair (5 slides)
• Credit and debit cards (graphic)
• Spending (10 points)
• Conclusion (2 points)
• Actions steps (16 points)
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5. Step 2: Eliminate Small Balances First • If you have a card with a low balance, pay it off first. • Then reroute the money for that card’s payment to pay off cards with higher balances or a higher interest rate. www.lifethenfinance.com
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- Selective harmonic elimination pulse-width modulation (SHE-PWM) techniques offer the lowest possible number of switching transitions and losses for VSC HVDC. The paper discusses optimized modulation patterns providing controlled harmonic immunity between AC and DC sides for a two-level converter with a rippled DC link voltage.
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Health service quality development 282 presentation
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Wavelet Based Analysis of Online Monitoring of Electrical Power by Mobile Tec...
Electrical automation is an important option for obtaining optimal solution while monitoring the electrical power consumption. While using the conventional methods the errors in continuous monitoring of power consumption is more. But the system requires not only the monitoring of the energy but also requires the analysis of the monitored energy. In this paper wavelet analysis is used for the analysis of the monitored energy/power which is monitored by GPRS technology. By using the GPRS mobile technology the energy consumption is monitored continuously and the observed data is interfaced to the computer by RS 232 port. By using MATLAB the monitored data is processed to obtain in depth analysis of the monitored power. The proposed method not only monitors the data but also provides efficient means to analyze the observed data by Wavelet Transform
Mechanical Characterization of Biodegradable Linen Fiber Composites
This document discusses the mechanical characterization of biodegradable linen fiber composites. It begins by introducing linen fiber as a natural fiber that is made from flax plants. The document then discusses the properties of linen fiber and describes how linen fiber composites were prepared by layering linen fibers with an epoxy resin matrix. Four composite samples with different numbers of linen fiber layers were made and tested for their mechanical properties under tensile testing. The results of the tensile tests for the first two samples, which contained 4 and 3 linen fiber layers respectively, are presented. Both samples exhibited relatively high yield strengths and stresses.
Analysis of Multicast Routing Protocols: Puma and Odmrp
This document summarizes and compares two multicast routing protocols for mobile ad hoc networks: PUMA and ODMRP. It begins with an introduction to ad hoc networks and multicast routing. It then provides details on PUMA, a receiver-initiated protocol where receivers elect a core node to reduce flooding. PUMA establishes a mesh structure along shortest paths from the core to group members. ODMRP is a mesh-based protocol that maintains multiple paths between sources and receivers through periodic control messages. It is more resilient to failures but has higher overhead than PUMA. The document analyzes the algorithms, advantages, and disadvantages of each protocol.
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Health service quality development 282 presentation
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Wavelet Based Analysis of Online Monitoring of Electrical Power by Mobile Tec...
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Mechanical Characterization of Biodegradable Linen Fiber Composites
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Analysis of Multicast Routing Protocols: Puma and Odmrp
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Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
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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.Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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