This document provides an outline for a lesson plan on financial literacy and credit. The lesson will help students understand different types of credit, associated risks and responsibilities, and how to establish good credit. Key points that will be covered include defining credit, listing basic types of credit like credit cards and loans, describing risks like fees and interest, and ways to build credit history over time by paying bills on time. Assessment will include a credit basics exam. The goal is for students to gain knowledge on using credit responsibly and avoiding issues like debt or bankruptcy.
I HAVE DONE A PROJECT ON ONLINE BANKING IN INDIA WITH RBI GUIDLINES AND IMPLEMENTATION OF ONLINE BANKING IN INDIA WITH BOTH PRIMARY AND SECONDARY DATA ANALYSIS.
Loan EMI Calculator - Calculate Equated Monthly Installment (EMI) for Home Loan / Housing Loan, Car Loan & Personal Loan in India. Use Loan EMI Calculator to calculate monthly EMIs on the basis of loan amount and interest rate To read more http://www.retailloans.in/emi-calculator
Customer perception towards banking servicesPriyank Thada
This is my Dissertation Project on Customer Perception on Banking services in India this will help people to do research on Banking sector • The purpose of the study is to explore the basic dimensions of service quality offered by Indian banking industry and its impact on individual customers by using the gap between the customer expectations and perceptions regarding the services offered by banking industry.
100 marks topics for banking and insurance projectsbanking-insurance
Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
I HAVE DONE A PROJECT ON ONLINE BANKING IN INDIA WITH RBI GUIDLINES AND IMPLEMENTATION OF ONLINE BANKING IN INDIA WITH BOTH PRIMARY AND SECONDARY DATA ANALYSIS.
Loan EMI Calculator - Calculate Equated Monthly Installment (EMI) for Home Loan / Housing Loan, Car Loan & Personal Loan in India. Use Loan EMI Calculator to calculate monthly EMIs on the basis of loan amount and interest rate To read more http://www.retailloans.in/emi-calculator
Customer perception towards banking servicesPriyank Thada
This is my Dissertation Project on Customer Perception on Banking services in India this will help people to do research on Banking sector • The purpose of the study is to explore the basic dimensions of service quality offered by Indian banking industry and its impact on individual customers by using the gap between the customer expectations and perceptions regarding the services offered by banking industry.
100 marks topics for banking and insurance projectsbanking-insurance
Complete topics for 100 marks project for banking and insurance
http://www.managementparadise.com/forums/banking-insurance-final-100-marks-projects/16283-topics-100-marks-project-banking-insurance.html
Final year project-Customer Awareness Towards SBI E Banking ServicesRahulsah65
This is a Final Year Project emphasizing on the Perspective, opinion and awareness of People and customers of SBI towards E banking facilities provided By Sbi in khonsa(Arunachal Pradesh)
Commercial credit analysis can introduce a lot of complexities into the banking organization: additional underwriting standards, new financial data to collect and interpret, complex relationships with multiple entities and commingled incomes, additional regulatory focus, etc.
Sageworks Senior Consultant Peter Brown covers some of the basics that come with credit analysis including what data to consider, how to analyze the data, when to introduce benchmarking and automation and other topics.
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
Final year project-Customer Awareness Towards SBI E Banking ServicesRahulsah65
This is a Final Year Project emphasizing on the Perspective, opinion and awareness of People and customers of SBI towards E banking facilities provided By Sbi in khonsa(Arunachal Pradesh)
Commercial credit analysis can introduce a lot of complexities into the banking organization: additional underwriting standards, new financial data to collect and interpret, complex relationships with multiple entities and commingled incomes, additional regulatory focus, etc.
Sageworks Senior Consultant Peter Brown covers some of the basics that come with credit analysis including what data to consider, how to analyze the data, when to introduce benchmarking and automation and other topics.
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
Essential things that should always be in your carEason Chan
A driver can bail out of a lot of sticky situations if he plans ahead. More often than not, things go south on you when you think nothing could go wrong. So it pays to hope for the best and plan for the worst, especially on the road. Here are some things that should always be kept in your car for all those just in case moments.
What happens when the digital tools and platforms we make and use for communication and entertainment are hijacked for terrorism, violence against the vulnerable and nefarious transactions? What role do designers and developers play? Are we complicit as creators of these technologies and products? Should we police them or fight back? As Portfolio Lead for Northern Lab, Northern Trust's internal innovation startup focused on client and partner experience, Antonio will share a mix of provocative scenarios torn from today's headlines and compelling stories where activism and technology facilitated peace—and war.
As a call-to-action for designers and developers to engage in projects capable of transformational change, he'll explore the question: How might technology foster new experiences to better accelerate social activism and make the world a smarter, safer place?
101 Powerful Credit Tips is different. It's not the same-old typical system, but a step-by-step system that anyone can easily follow. You get true point-and-click simplicity with the world's most effective system for permanently removing negative items from your credit reports.
The Credit Repair Specialist recognizes all current credit laws and offers a comprehensive, yet simple approach to improve credit ratings. The Credit Repair Specialist disputes inaccurate, obsolete, erroneous, incomplete and unverifiable information reported to the four major credit bureaus namely: Experian, Trans Union, Equifax and Innovis in order to help improve consumers' credit ratings.
Short term loans are essentially cash advances that are meant to be repaid over a period of less than one year. These types of loans are usually taken out by businesses, especially businesses that rely heavily on production, as they have a constant need of financing their businesses.
http://www.trueblueloan.co.uk
Are you tired of struggling with bad credit? Dti Financial Literacy is here to help you fix your credit and restore your finances. Our comprehensive program will guide you through the steps to improve your credit score and regain control of your financial future. Don't let bad credit hold you back any longer – start your journey towards financial freedom today!
Website - https://dtifinancialliteracy.com/
The Indian economy is classified into different sectors to simplify the analysis and understanding of economic activities. For Class 10, it's essential to grasp the sectors of the Indian economy, understand their characteristics, and recognize their importance. This guide will provide detailed notes on the Sectors of the Indian Economy Class 10, using specific long-tail keywords to enhance comprehension.
For more information, visit-www.vavaclasses.com
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
Students, digital devices and success - Andreas Schleicher - 27 May 2024..pptxEduSkills OECD
Andreas Schleicher presents at the OECD webinar ‘Digital devices in schools: detrimental distraction or secret to success?’ on 27 May 2024. The presentation was based on findings from PISA 2022 results and the webinar helped launch the PISA in Focus ‘Managing screen time: How to protect and equip students against distraction’ https://www.oecd-ilibrary.org/education/managing-screen-time_7c225af4-en and the OECD Education Policy Perspective ‘Students, digital devices and success’ can be found here - https://oe.cd/il/5yV
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
How to Create Map Views in the Odoo 17 ERPCeline George
The map views are useful for providing a geographical representation of data. They allow users to visualize and analyze the data in a more intuitive manner.
1. Class: Adult Roles/Financial LiteracyUnit Name: Financial LiteracyLesson: CreditInstructor: Leslie AugustDate: March 3 (Block) 90 minutes<br />Core Standard ARFL 7.2Students will understand credit uses and costs.<br />Enduring UnderstandingDiscuss the history and role of credit.7.2.1List basic types of credit (e.g., credit cards, installment loans, service credit, revolvingcredit, student loans). 7.2.2Describe the risks and responsibilities associated with using credit. 7.2.3Identify the methods of establishing and maintaining a good credit rating.7.2.4<br />Essential Questions1. What is credit?2. What are the different types of credit?3. What are the risks and responsibilities associated with using credit?4. What is a credit rating?5. How does knowing the risks and responsibilities associated with using credit help you establish and maintain a good credit rating?<br />Assessment PlanStudents will answer questions during lectures.Students will take the Credit Basics exam.<br />Learning OutcomesStudents will be able to better understand consumer credit and how it works. Basic types of credit, risks and responsibilities associated with credit, ways to establish and maintain good credit, ways to avoid hurting ones credit and what one can do to help their credit and avoid bankruptcy. Calculating how credit works, how it can work for and against you, the advantages of having good credit and the disadvantages of having bad credit.<br />TimeLesson/ActivityContentMaterials5 minsBell Ringer: Students will write down vocabulary word of the day and its definition.WhiteboardPen/PencilJournal or Packet10 minsEQ1: Introduction: Introduce students to credit by asking the following questions:What is consumer credit?How would you define the word “credit”?What does it mean to “take personal responsibility” for something?Have you ever borrowed money from someone?Have you ever loaned money to someone?Definition of credit is – the ability of a person or business to borrow money from a bank or other lender with the intent, or promise, to pay the money back. (E.g of credit: loans, credit cards, home mortgages). Credit gives you greater financial flexibility to buy now and pay over time, instead of all at once. However, taking personal responsibility to pay back the money borrowed in a timely fashion, according to your agreement with whom you borrowed it from is important. Remember that credit is a privilege!Teacher’s Notes10 minsEQ2Lecture: List the different types of credit:Let’s say you were considering getting a $10,000 bank loan to buy a car. How would you determine whether you could repay this loan?Besides paying back the principal (the $10,000) what other kind of charges might you have to pay to the lender?What’s one reason why you might want to pay off a loan as quickly as you could?What’s one reason why you might want a lender to give you a longer loan tern – in other words, more time to pay back the loan? 1. Sales Credita. Installment Planb. Charge Accountsc. Credit Cards2. Cash Credita. Personal Loansb. Overdraft3. Service Credita. Utility Billsb. DoctorsYou borrow the money all at once and pay it back with interest, over time, in equal payments or installments. Once the loan is repaid in full, the loan ends and is NOT renewed.The interest rates and fees will vary.If you don’t repay the loan, you’ll damage your credit record and your lender may repossess the property you purchased with the loan.The amount is a certain percentage of what you owe. You pay interest on what you owe.10 minsEQ1: Video: Give Yourself Some Credit: Paying On TimePlay the beginning of the video to 1:47 (stop after the history of credit cards) Stop the video and discuss what interest is. Ask the students the following question:How Does Interest Work?Review with the students that there are different types of credit or loans, but today we are going to specifically talk about credit cards as that will be the easiest credit they will obtain in the future.Whenever you borrow money you will be expected to pay interest. Interest is – a percentage of money owed on the balance that you borrowed. Interest works two ways. If you are the lender, person or institution lending the money, you get paid a percentage on top of the initial amount you lent out, just for lending the money.If you are the borrower, you pay the added on percentage of the initial amount to the lender. The interest the borrower pays is higher than the interest paid by the financial institution to its clients.How much interest you pay depends on the interest rate and how long you’ve chosen to pay it back. Interest rates change all the time. So you need to be aware of what rates are good. Interest rate loans are expressed as APR, annual percentage rate. The APR is - the yearly cost of a loan stated as a percentage of the loan amount including the interest rate, the term, and the fees charged by the lender. It reflects the cost of the loan.DVD PlayerDVD: Give Yourself Some Credit: Paying On TimeTeacher’s Notes20 minsEQ3Activity: Divide into groups of two. Pass out credit card applications. Have students look at the terms. Have them look for fees, i.e. yearly, monthly, etc. Have them look for interest rates.Write the groups on the board and list the different fees and interest rates of each group’s credit card application.Read the new law to the students.This is an activity that will teach students the fees and interest rates associated with credit cards. They will learn that every credit card company has different interest rates and fees. Make sure the students understand the late fees as well as what the interest rate will go up to if paid late.Credit Card ApplicationsFDIC Consumer News Article15 minsEQ1: EQ2: EQ3: EQ4: EQ5Video: Resume the videoGive Yourself Some Credit: Paying On Time DVD PlayerDVD: Give Yourself Some Credit: Paying On Time10 minsEQ4Discussion: List the advantages and disadvantages of using credit.Advantages:1. Maintains a healthy economy. Our economic system is built on credit and without the means of buying now and paying later, the economy would collapse. An example is the stock market.2. Allows us to meet emergencies.3. Convenient—easier to order over the phone.4. Permits purchase on sales or when the price is down.5. Able to enjoy an item while paying for it and raise your standard of living.6. Establish a credit rating.7. Might receive advance notice of sales.8. Find it easier to exchange and return items.9. Detailed monthly bill.Disadvantages:1. Credit always costs money.2. Creates risk because you are spending your future income.3. Increases the cost of doing business.4. Encourages careless buying.5. Facilitates over-buying which increases sacrifice that must be made eventually.Often increases family conflict.Lecture Notes10 minsEQ4: EQ5Lecture: How do you establish credit?Banks and lenders decide who to lend money to by using a process called the Three C’s of Credit. What are the Three C’s?1. Character – are you stable with your home, income2. Capital – how much money have you saved and what assets do you have if you were not able to pay back your debt3. Capacity – how are you going to pay back the loan with your current debts and other expenses. (Debt-to-income ratio – how much you owe compared to how much you earn.)As you can imagine it takes time to establish a good credit history and prove your character, capital and capacity.Remind students that on Tuesday we will be having a test on what we have learned so far and that we will be discussing credit scores and credit reports.You will want to make sure that you know how to take advantage of being able to use credit. Remember that credit is given only to those who have demonstrated their ability to manage their money over time and have good credit history.You establish credit by opening a savings or checking account or getting a credit card and carefully managing it. However, if you are under eighteen you will not be able to get savings accounts, checking accounts or credit cards or loans unless you have a parent or guardian to co-sign. To co-sign means – the person who is the adult or guardian is willing to take responsibility for and repay the account, loan or card if something happens to you. Some examples of how to establish a good credit history are:Pay bills on timePay monthly rent payments on timeUse layaway plansGet a limited use credit card and pay bills promptlyEstablish and use a transaction account<br />