A good credit history makes it possible to get credit, especially for major purchases like a home. It keeps the cost of borrowing to a minimum.
To build good credit, consider using one or a maximum of two credit cards to make small purchases that you pay off when the bill comes in. The biggest factor of your credit score is payment history, or in other words, pay on time every time.
To access your free credit report, visit www.annualcreditreport.com. It's good to review your credit report periodically to make sure all information is accurate and that you have not been the victim of identity theft.
National Budget of Bangladesh (FY) 2016-17TAREK MAHMUD
National budget of Bangladesh 2016-17 fiscal year has been published on 3rd June. Here I have summarized all the budgeted facts and figures in simple way. I tried to make the analysis easy and simple to understand. I took help from daily star in this case.
The document provides tips for handling personal finances wisely, including writing down expenses, creating a personal net worth statement, setting financial goals, making a budget with fixed, variable and discretionary expenses, saving at least 10% of income, stretching dollars through coupons and free downloads, paying credit cards in full each month to avoid fees, limiting the number of cards, shredding documents with personal information, making a personal budget, and reviewing additional online resources for money management.
1) The document analyzes Bangladesh's government capital expenditure budgets from 2005-2015 based on data from annual budgets.
2) Key findings include the percentage of capital expenditure declining from 39.25% to 32.66% of total budgets from 2005-2015, with most funds allocated to sectors like energy, transport and agriculture.
3) Economic indicators like GDP growth, per capita income, and inflation are also examined and compared to regional countries.
This document is a letter from the ECOWAS Bank for Investment and Development informing a beneficiary that they have been assigned $3.2 million from the IMF and United Nations. The beneficiary is asked to contact the transfer manager, Rev. Dr. Tete Dankwa, within the next 72 hours by email or phone to finalize signing for the funds. The letter congratulates the beneficiary and requests a timely response.
National budget of Bangladesh 2017-18 fiscal year has been published on 2nd June 2017. Here I have summarized all the budgeted facts and figures in simple way. I tried to make the analysis easy and simple to understand. I took help from daily star and Ministry of finance website.
The document summarizes the budget situation for a public school district for the 2011-2012 school year. It notes that while the graduation rate has remained high, the Governor cut state aid significantly more than anticipated, resulting in a $1.48 million loss of funding. To address a projected $2.2 million shortfall, the district plans to use federal stimulus funds, reserves, and $993,615 in cuts and concessions. This would result in a proposed 2.21% decrease in the budget but a 3.2% increase in the tax levy and a 1.53% increase in the tax rate.
A good credit history makes it possible to get credit, especially for major purchases like a home. It keeps the cost of borrowing to a minimum.
To build good credit, consider using one or a maximum of two credit cards to make small purchases that you pay off when the bill comes in. The biggest factor of your credit score is payment history, or in other words, pay on time every time.
To access your free credit report, visit www.annualcreditreport.com. It's good to review your credit report periodically to make sure all information is accurate and that you have not been the victim of identity theft.
National Budget of Bangladesh (FY) 2016-17TAREK MAHMUD
National budget of Bangladesh 2016-17 fiscal year has been published on 3rd June. Here I have summarized all the budgeted facts and figures in simple way. I tried to make the analysis easy and simple to understand. I took help from daily star in this case.
The document provides tips for handling personal finances wisely, including writing down expenses, creating a personal net worth statement, setting financial goals, making a budget with fixed, variable and discretionary expenses, saving at least 10% of income, stretching dollars through coupons and free downloads, paying credit cards in full each month to avoid fees, limiting the number of cards, shredding documents with personal information, making a personal budget, and reviewing additional online resources for money management.
1) The document analyzes Bangladesh's government capital expenditure budgets from 2005-2015 based on data from annual budgets.
2) Key findings include the percentage of capital expenditure declining from 39.25% to 32.66% of total budgets from 2005-2015, with most funds allocated to sectors like energy, transport and agriculture.
3) Economic indicators like GDP growth, per capita income, and inflation are also examined and compared to regional countries.
This document is a letter from the ECOWAS Bank for Investment and Development informing a beneficiary that they have been assigned $3.2 million from the IMF and United Nations. The beneficiary is asked to contact the transfer manager, Rev. Dr. Tete Dankwa, within the next 72 hours by email or phone to finalize signing for the funds. The letter congratulates the beneficiary and requests a timely response.
National budget of Bangladesh 2017-18 fiscal year has been published on 2nd June 2017. Here I have summarized all the budgeted facts and figures in simple way. I tried to make the analysis easy and simple to understand. I took help from daily star and Ministry of finance website.
The document summarizes the budget situation for a public school district for the 2011-2012 school year. It notes that while the graduation rate has remained high, the Governor cut state aid significantly more than anticipated, resulting in a $1.48 million loss of funding. To address a projected $2.2 million shortfall, the district plans to use federal stimulus funds, reserves, and $993,615 in cuts and concessions. This would result in a proposed 2.21% decrease in the budget but a 3.2% increase in the tax levy and a 1.53% increase in the tax rate.
The document describes a convertible bond with a par value of $100,000 USD that matures in 2 years. It pays 2% interest annually but has an effective interest rate of 5%. At maturity, the bond can be converted to 8 shares of stock priced at $10 each. The document provides the calculations to account for the bond using the effective interest method, recording interest expense and unwinding discount each year until maturity.
Swedbank’s first quarter 2015 results - CEO presentationSwedbank
Swedbank reported resilient results in the first quarter of 2015 despite low interest rates. Net profit increased 473 million SEK compared to the previous quarter due to mixed net interest income, loan growth, stable commissions, improved trading results, and good cost efficiency. Asset quality remained solid with a credit impairment ratio of 0.02% and impaired loan ratio of 0.39%, although shipping and offshore lending was negatively impacted by lower oil prices. The CET1 capital ratio declined to 20.5% due to IAS 19 effects, prudent valuation adjustments, and risk-weighted asset growth from loans and operational/market risk.
Interest on deposit in kazakhstan 14 percent per yearfreddy jacobs
Keeping some cash in savings is important for emergencies and short-term goals, especially with expected higher market volatility in 2017. One option is depositing funds in Kazakhstan, which offers 14% annual interest on deposits of $5,000 or more held for 12 months. The deposit terms include automatic renewal, monthly interest payments, and no withdrawal penalties as long as the minimum balance is maintained. Contacting the provided email can provide more information and help with the paperwork for opening an account.
This document provides an agenda and overview of Churchill Downs Inc. The agenda includes describing Churchill Downs history and products, providing an overview of the expected economy and industry, reviewing financial statements and credit analysis, and drawing a conclusion. Churchill Downs operates horse racing, casinos, and online games. The economy is expected to grow slowly in the next few years but a recession may occur around 2017-2018. Financial statements and external risks like regulations and weather are discussed. In conclusion, the bank decides not to extend a revolving credit facility to Churchill Downs due to their high existing debt levels during a period of growth and potential recession.
The equity key solution real estate introFelix Trejo
This presentation is for Home Owners and Real Estate professionals to learn of a New Program available for anyone who has equity in their home and don't want to refinance, borrow money, create a new debt, and more important if they chose, don't have to pay it back because it is not a loan. For more info, please contact Felix Trejo at 510-692-8771 or go to: www.evantagefinancial.com/ftrejo/sales
This document discusses conventional financing options in Canada. It outlines the major banks and provides an overview of common financing structures like mortgages, lines of credit, and loans. It also describes how financial institutions evaluate borrowers' income, expenses, employment, credit history and the property value to determine eligibility. Metrics like gross debt service ratios, total debt service ratios and loan-to-value ratios are examined. The document also briefly touches on alternative financing products and qualifying for loans to purchase properties in the United States.
Dealing with $75 oil (copas 11.17.2014 final)Brad Keithley
The document summarizes Alaska's fiscal challenges with lower oil prices between $75-$90 per barrel. It notes that at $85 oil, Alaska would face a $3.3 billion deficit requiring deep spending cuts. Expenditure reductions of billions will be needed in areas like education, Medicaid, and personnel costs. The state only has savings to cover deficits until 2018-2020 depending on the price. Some proposals include further reducing the capital budget, cutting operating costs 10-25%, and prioritizing spending, but new revenues could only cover a portion of the projected deficits.
Mortgage Calculator Created By John Van WinkleJohn Van Winkle
This document is a rate quote spreadsheet for a borrower refinancing their mortgage. It includes information about the borrower's current mortgage and debt details, proposed terms for a new refinanced loan, and calculations comparing the costs of the existing and proposed new loans. Key details include the borrower's name, current loan balances and interest rates, proposed new loan amount and interest rate, estimated closing costs and monthly savings from refinancing into the new loan.
This document discusses macroeconomic concepts including savers, lenders, borrowers, and the money market. It provides examples of IOUs at different interest rates and a bond that pays coupons. It explains that bond prices and interest rates move in opposite directions. The document also covers leverage, different leverage ratios, and examples of how leverage can double profits but also lead to losses or bankruptcy depending on market conditions. Additional concepts discussed include opportunity cost, comparative advantage, demand, price controls, GDP, time preference, financial intermediaries, and worldviews.
This document provides an overview of key money management concepts including budgeting, rate of return, risk, and the importance of spending less than you earn and paying yourself first. It discusses budgeting as a plan for spending money and explains how creating a budget gives you control over your finances. It also defines rate of return as the amount of money earned on an investment and discusses different types of savings and investment accounts including savings accounts, certificates of deposits, stocks, and bonds. Finally, it emphasizes the importance of managing your money by spending less than you make and paying yourself first through savings.
The Eastern Caribbean Central Bank (ECCB) will phase out the 1 and 2 cent coins from circulation effective July 1, 2015. At a February 2015 meeting, the ECCB Monetary Council decided to stop issuing the coins to commercial banks after this date. A public education campaign will inform stakeholders such as consumers, businesses, and the media about rounding cash transactions to the nearest 5 cent increment. The coins will remain legal tender for at least 5 years, and people can still use them or exchange them at commercial banks for face value.
Time value of money | How Calculate Present Value of Money | How Calculate Future Value of Money.
YouTube Link For Video Concept: https://www.youtube.com/watch?v=_sJiiMkHBtE
State of the Industry with Eddie Speed from NoteSchool. Take a look and let us know what you think!
http://noteschool.com
http://facebook.com/noteschool
The document summarizes the history and services of EximBank in Moldova. It notes that EximBank was created in 1994 and is now fully owned by the Italian Veneto Banca Group. It provides a range of banking services to individuals and businesses, including deposits, loans, banking cards, and international operations. EximBank has over 34,000 clients and a network of 18 branches and 22 representative offices across Moldova.
The employees at Great Lakes Credit Union become unusually cheerful around the holidays each year. While things like daylight savings, weather, and the excitement of the season could contribute to their mood, the document suggests the real reason is that the credit union offers financial products and services to help their members enjoy the holidays without stress, such as loans, savings accounts, and payment skipping options. These options allow members to celebrate the holidays and spend time with family instead of worrying about finances.
Note Investing 401 with Eddie Speed from NoteSchoolNoteSchool
In this powerpoint, Eddie Speed takes you through Note Investing 401. Take a look and let us know if you have any questions!
http://noteschool.com
http://facebook.com/noteschool
Recreation Master Plan $10 Million Real Estate Loanacclwv
The Golden Rain Foundation of Laguna Woods is obtaining a $10 million real estate loan from Bank of America. The loan will be used to fund capital improvements and is secured by a second deed of trust on an existing property and a cash collateral account. The loan has a 15-year term with a fixed interest rate of 4.27% and equal monthly principal and interest payments. Proceeds can only be used for approved capital projects and the loan has standard financial covenants. There are no prepayment penalties except potential gains or losses from interest rate changes. The loan documents were reviewed and approved by GRF management and legal counsel.
Deacon Hayes paid off $52,000 of debt, including student loans, a car loan, and credit cards, in 18 months. He accomplished this by developing a financial game plan to track his income, expenses, assets, and debts. This gave him control over where his money was going each month. The financial game plan and budgeting approach allowed him to prioritize paying off debt quickly. He outlines a 7 step process for getting out of and staying out of debt, which includes creating a budget, building an emergency fund, eliminating debt, investing 10% of income, and giving to others.
[1] A FEMAGRI abre oportunidades para produtores de café de Minas Gerais e São Paulo encontrarem novas tecnologias e soluções para aumentar a eficiência e reduzir custos; [2] Os preços do café arábica avançaram em janeiro impulsionados pela valorização do dólar e expectativa de estoques mais apertados; [3] A Conab estima uma safra maior de café no Brasil em 2016/2017, entre 49,1 e 51,9 milhões de sacas.
The document describes a convertible bond with a par value of $100,000 USD that matures in 2 years. It pays 2% interest annually but has an effective interest rate of 5%. At maturity, the bond can be converted to 8 shares of stock priced at $10 each. The document provides the calculations to account for the bond using the effective interest method, recording interest expense and unwinding discount each year until maturity.
Swedbank’s first quarter 2015 results - CEO presentationSwedbank
Swedbank reported resilient results in the first quarter of 2015 despite low interest rates. Net profit increased 473 million SEK compared to the previous quarter due to mixed net interest income, loan growth, stable commissions, improved trading results, and good cost efficiency. Asset quality remained solid with a credit impairment ratio of 0.02% and impaired loan ratio of 0.39%, although shipping and offshore lending was negatively impacted by lower oil prices. The CET1 capital ratio declined to 20.5% due to IAS 19 effects, prudent valuation adjustments, and risk-weighted asset growth from loans and operational/market risk.
Interest on deposit in kazakhstan 14 percent per yearfreddy jacobs
Keeping some cash in savings is important for emergencies and short-term goals, especially with expected higher market volatility in 2017. One option is depositing funds in Kazakhstan, which offers 14% annual interest on deposits of $5,000 or more held for 12 months. The deposit terms include automatic renewal, monthly interest payments, and no withdrawal penalties as long as the minimum balance is maintained. Contacting the provided email can provide more information and help with the paperwork for opening an account.
This document provides an agenda and overview of Churchill Downs Inc. The agenda includes describing Churchill Downs history and products, providing an overview of the expected economy and industry, reviewing financial statements and credit analysis, and drawing a conclusion. Churchill Downs operates horse racing, casinos, and online games. The economy is expected to grow slowly in the next few years but a recession may occur around 2017-2018. Financial statements and external risks like regulations and weather are discussed. In conclusion, the bank decides not to extend a revolving credit facility to Churchill Downs due to their high existing debt levels during a period of growth and potential recession.
The equity key solution real estate introFelix Trejo
This presentation is for Home Owners and Real Estate professionals to learn of a New Program available for anyone who has equity in their home and don't want to refinance, borrow money, create a new debt, and more important if they chose, don't have to pay it back because it is not a loan. For more info, please contact Felix Trejo at 510-692-8771 or go to: www.evantagefinancial.com/ftrejo/sales
This document discusses conventional financing options in Canada. It outlines the major banks and provides an overview of common financing structures like mortgages, lines of credit, and loans. It also describes how financial institutions evaluate borrowers' income, expenses, employment, credit history and the property value to determine eligibility. Metrics like gross debt service ratios, total debt service ratios and loan-to-value ratios are examined. The document also briefly touches on alternative financing products and qualifying for loans to purchase properties in the United States.
Dealing with $75 oil (copas 11.17.2014 final)Brad Keithley
The document summarizes Alaska's fiscal challenges with lower oil prices between $75-$90 per barrel. It notes that at $85 oil, Alaska would face a $3.3 billion deficit requiring deep spending cuts. Expenditure reductions of billions will be needed in areas like education, Medicaid, and personnel costs. The state only has savings to cover deficits until 2018-2020 depending on the price. Some proposals include further reducing the capital budget, cutting operating costs 10-25%, and prioritizing spending, but new revenues could only cover a portion of the projected deficits.
Mortgage Calculator Created By John Van WinkleJohn Van Winkle
This document is a rate quote spreadsheet for a borrower refinancing their mortgage. It includes information about the borrower's current mortgage and debt details, proposed terms for a new refinanced loan, and calculations comparing the costs of the existing and proposed new loans. Key details include the borrower's name, current loan balances and interest rates, proposed new loan amount and interest rate, estimated closing costs and monthly savings from refinancing into the new loan.
This document discusses macroeconomic concepts including savers, lenders, borrowers, and the money market. It provides examples of IOUs at different interest rates and a bond that pays coupons. It explains that bond prices and interest rates move in opposite directions. The document also covers leverage, different leverage ratios, and examples of how leverage can double profits but also lead to losses or bankruptcy depending on market conditions. Additional concepts discussed include opportunity cost, comparative advantage, demand, price controls, GDP, time preference, financial intermediaries, and worldviews.
This document provides an overview of key money management concepts including budgeting, rate of return, risk, and the importance of spending less than you earn and paying yourself first. It discusses budgeting as a plan for spending money and explains how creating a budget gives you control over your finances. It also defines rate of return as the amount of money earned on an investment and discusses different types of savings and investment accounts including savings accounts, certificates of deposits, stocks, and bonds. Finally, it emphasizes the importance of managing your money by spending less than you make and paying yourself first through savings.
The Eastern Caribbean Central Bank (ECCB) will phase out the 1 and 2 cent coins from circulation effective July 1, 2015. At a February 2015 meeting, the ECCB Monetary Council decided to stop issuing the coins to commercial banks after this date. A public education campaign will inform stakeholders such as consumers, businesses, and the media about rounding cash transactions to the nearest 5 cent increment. The coins will remain legal tender for at least 5 years, and people can still use them or exchange them at commercial banks for face value.
Time value of money | How Calculate Present Value of Money | How Calculate Future Value of Money.
YouTube Link For Video Concept: https://www.youtube.com/watch?v=_sJiiMkHBtE
State of the Industry with Eddie Speed from NoteSchool. Take a look and let us know what you think!
http://noteschool.com
http://facebook.com/noteschool
The document summarizes the history and services of EximBank in Moldova. It notes that EximBank was created in 1994 and is now fully owned by the Italian Veneto Banca Group. It provides a range of banking services to individuals and businesses, including deposits, loans, banking cards, and international operations. EximBank has over 34,000 clients and a network of 18 branches and 22 representative offices across Moldova.
The employees at Great Lakes Credit Union become unusually cheerful around the holidays each year. While things like daylight savings, weather, and the excitement of the season could contribute to their mood, the document suggests the real reason is that the credit union offers financial products and services to help their members enjoy the holidays without stress, such as loans, savings accounts, and payment skipping options. These options allow members to celebrate the holidays and spend time with family instead of worrying about finances.
Note Investing 401 with Eddie Speed from NoteSchoolNoteSchool
In this powerpoint, Eddie Speed takes you through Note Investing 401. Take a look and let us know if you have any questions!
http://noteschool.com
http://facebook.com/noteschool
Recreation Master Plan $10 Million Real Estate Loanacclwv
The Golden Rain Foundation of Laguna Woods is obtaining a $10 million real estate loan from Bank of America. The loan will be used to fund capital improvements and is secured by a second deed of trust on an existing property and a cash collateral account. The loan has a 15-year term with a fixed interest rate of 4.27% and equal monthly principal and interest payments. Proceeds can only be used for approved capital projects and the loan has standard financial covenants. There are no prepayment penalties except potential gains or losses from interest rate changes. The loan documents were reviewed and approved by GRF management and legal counsel.
Deacon Hayes paid off $52,000 of debt, including student loans, a car loan, and credit cards, in 18 months. He accomplished this by developing a financial game plan to track his income, expenses, assets, and debts. This gave him control over where his money was going each month. The financial game plan and budgeting approach allowed him to prioritize paying off debt quickly. He outlines a 7 step process for getting out of and staying out of debt, which includes creating a budget, building an emergency fund, eliminating debt, investing 10% of income, and giving to others.
[1] A FEMAGRI abre oportunidades para produtores de café de Minas Gerais e São Paulo encontrarem novas tecnologias e soluções para aumentar a eficiência e reduzir custos; [2] Os preços do café arábica avançaram em janeiro impulsionados pela valorização do dólar e expectativa de estoques mais apertados; [3] A Conab estima uma safra maior de café no Brasil em 2016/2017, entre 49,1 e 51,9 milhões de sacas.
This curriculum vitae is for Bassem Abd El-latif Mohamed, an Egyptian national born in 1990. He graduated from Menofia University's Faculty of Electronic Engineering in 2013 with a focus on control systems. His career experience includes two years as a maintenance engineer for photocopiers and training at various electronics companies. He is fluent in English and Arabic and has skills in computers, teamwork, and the ability to travel as needed.
Relatório sobre o mercado de café da OIC - Outubro 2016Luiz Valeriano
A escassez de café robusta levou aos maiores preços em 21 meses no mercado. O preço do café robusta atingiu o maior nível em dois anos devido às preocupações com a oferta, enquanto o preço composto atingiu o maior nível desde janeiro de 2015. A especulação sobre a safra brasileira de 2017/18 e a valorização do real também impulsionaram os preços.
This document analyzes lead levels in water samples from Lakes Lugano and Muzzano in Switzerland using spectrophotometric techniques. The author collected water samples from various spots in both lakes and measured their absorbance values. From a standard calibration curve, the author determined lead concentrations in the samples. Results showed water samples without sediment from Lake Muzzano had higher average lead levels than Lake Lugano samples. Possible sources of the contamination include inflow of contaminated water into both lakes.
Prawn & tofu pad thai friday night feasts jamie oliverDimandi Kasane
This document provides a recipe for prawn and tofu pad Thai that serves 2 people and takes 40 minutes to prepare. The recipe calls for ingredients like rice noodles, prawns, tofu, peanuts, herbs, and a tamarind sauce. To make the dish, the noodles are cooked and a tamarind sauce is prepared from palm sugar, tamarind paste, fish sauce, and vinegar. The other ingredients like shallots, herbs, prawns and tofu are stir fried together before adding the noodles, sauce, and beansprouts and tossing to combine. The finished pad Thai is topped with crushed peanuts and herbs.
O documento discute a importância do azeite na culinária e na dieta mediterrânea, destacando seus benefícios à saúde. Também fornece dicas sobre como apreciar diferentes tipos e sabores de azeite.
Este documento define la economía desde diferentes perspectivas. Explica que desde el punto de vista etimológico, la economía estudia la administración de una casa o comunidad doméstica. Desde el punto de vista clásico, Aristóteles la definió como la ciencia del abastecimiento y el arte de la adquisición. Finalmente, desde una perspectiva contemporánea, Lionel Robbins la define como la ciencia que estudia el comportamiento humano resultado de la relación entre necesidades ilimitadas y recursos limitados con usos alternativos.
Shane A. Treadwell is seeking a position where he can utilize his medical assisting skills. He has experience in appointments, filing, telecommunications, typing, insurance, bookkeeping, Microsoft Word, various EMR systems, taking patient histories, vital signs, injections, urinalysis, EKGs, autoclaving, vision testing, blood glucose testing, hematocrit testing, dosage calculations, sterile tray setup, and CPR/AED certification. He has a diploma in medical assisting from Brown Mackie College and related experience as an extern at Arizona Arthroscopy and Sports Medicine.
This document proposes using fingerprint recognition on mobile devices to secure access to mobile cloud resources. It discusses the existing password-based system and how the proposed fingerprint system offers more security. The fingerprint images are captured using mobile phone cameras, preprocessed, and features are extracted for matching. Experimental results on different phones show processing times within acceptable limits. While this provides more secure authentication than passwords, mobile phone cameras introduce challenges for fingerprint recognition compared to dedicated sensors. The proposed system demonstrates adding security for mobile cloud access within performance standards.
Книга Любовь: когда он говорит нет, как услышать, все-таки, да.Дина Рэй
Это может приключиться с каждой. В любой момент. Или никогда. Он - становится центром нашей Вселенной. И однажды исяезает. Навсегда. как вернуть любимого? И возможно ли это? Прстая и обрзная книга передает яркую гамму чувств, увлекательный поиск ответа и непредсказуемый результат. Каждого моего читателя ждет секретный подарок в конце книги!
“How can I get more bookings and more revenue?”
This is the question that every hotelier must answer to keep his business alive. The question is simple, but answering it can be a challenge.
The challenge becomes even greater when you’re immersed in managing the day-to-day operations of your hotel. It’s hard to see the forest for the trees, sometimes – or, for a more appropriate metaphor, it’s hard to see the battlefield when you’re busy in the trenches.
This presentation will briefly lift you out of the trenches by providing you with 18 tips that’ll help you get more bookings and boost your hotel revenue. Take a look at a map of the whole battlefield and find out where your strongest and weakest points are.
Let’s go.
El documento repite la misma frase "www.lojadastorcidas.com.br" varias veces, aparentemente promocionando el sitio web de una tienda llamada "Lojas Torcidas". También incluye la dirección física y números de teléfono de la tienda.
1. The document contrasts different systems for creating and allocating money: debt-based money created by commercial banks through lending (the current system), finite cryptocurrencies like Bitcoin, and Positive Money where new money is created by a central authority and granted rather than lent into existence.
2. Under Positive Money, an expert committee would track GDP and recommend how much new money is needed to match economic growth, which would be created by the central bank and allocated by government for purposes like reducing taxes or debt.
3. Commercial banks would still exist but could no longer create new money through lending, addressing issues like bubbles and ensuring benefits of money creation accrue to society rather than banks.
Bank's Liabilities (Comparison of UBL, HBL, Standard Chartered Bank and Citib...Mitsui & Co., Ltd.
The document defines different types of liabilities including borrowings, deposits and other accounts, subordinated loans, liabilities against assets subjected to finance lease, deferred tax liabilities, and other liabilities. It provides details on features and benefits of various bank accounts in Pakistan including current accounts, saving accounts, and fixed deposit accounts from banks like Citibank, Standard Chartered, UBL, and HBL.
The document discusses a software program called the Money Merge Account (MMA) that helps homeowners pay off their mortgages much faster by leveraging the interest-canceling effects of a home equity line of credit (HELOC). It provides examples of families eliminating 30-year mortgages in 10-12 years while maintaining their standard of living. The MMA software analyzes users' financial situations and recommends monthly funds transfers and prepayments that reduce interest costs substantially.
The document discusses a mortgage acceleration program called the Net Worth Account that aims to help homeowners pay off their mortgages faster and save on interest. It works by using a home equity line of credit or similar account to make extra principal payments on the mortgage. On average, homeowners who use the program can save over $45,000 in interest and pay off their 30-year mortgage in under 11 years. The program is administered through a web-based software service that optimizes payments to maximize interest savings over time.
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
The document discusses a mortgage management account (MMA) software program developed by Accelerated Equity & Development to help homeowners pay off their mortgages early. The MMA program was tested successfully with 400 homeowners in Denver, reducing their mortgage payoff time by an average of 10-15 years. The MMA works by maximizing the performance of homeowners' money through optimizing various accounts and performing periodic funds transfers to pay down the principal on their mortgage.
Financial Planning. Worksheet. CFS. 7. Agenda. Net Worth; The Budget or Spend...StevePaul53
This document provides an introduction and agenda for a financial planning worksheet. It discusses calculating net income, creating a budget that allocates income to savings, expenses, and debt payments. It recommends saving 10-30% of net income, keeping expenses below 70%, and maintaining debt below 20% of income. The worksheet guides the user in tracking income, expenses, debts, and creating an action plan to improve financial health.
The document discusses home financing options and introduces the Home Ownership Accelerator product. Key points:
- The HOA is a line of credit attached to a homeowner's primary residence, allowing them to pay down their mortgage faster by making daily payments from deposited income.
- It aims to reduce interest costs over the long run and allow the home to be paid off in half the time compared to a traditional mortgage, with no changes to spending.
- Borrowers have access to the credit line via debit cards and checks, and payments are made automatically via direct deposit each day to reduce the loan balance and interest costs.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that can generate returns close to or higher than inflation with low risk. They invest in short term debt instruments and have no entry/exit loads. The document provides examples of how liquid funds have outperformed savings accounts and encourages readers to speak to a financial advisor about investing in them.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that invests in very short term debt with returns averaging over 8%, beating inflation. Key benefits of liquid funds highlighted are high liquidity, low risk, and no entry/exit loads.
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
Swindells LLP is a firm of chartered accountants and tax advisers with two locations. They provide services to a range of clients including multi-national companies, UK trading companies, lottery winners, families with inheritance tax issues, high net worth individuals. The document discusses strategies for reducing inheritance tax exposure such as flexible trust planning which allows gifting assets but retaining access if needed, and business property relief for non-business owners which provides IHT exemption after two years of asset ownership. A case study of a couple with various assets worth £1.5 million is presented, showing how their IHT bill could be reduced.
This document summarizes a presentation for barristers on running a business as a barrister. It covers topics like understanding business structures, accounting and invoicing, tax obligations, using debt, budgeting and cash flow management, asset protection, estate planning, retirement planning, and getting the right professional team. It provides an agenda and discusses concepts like understanding different entity structures, accounting on a cash basis, personal income tax rates, timing of tax obligations, using good versus bad debt, preparing budgets and cash flows, and leveraging structures like superannuation and trusts to protect assets and plan for retirement.
This PPT is on creating personal financial plan. Also ideas on creating wealth and also various avenues of investments. This ppt is based on investment options available in India
The need for a new approach to Financial Planningpaulovery
The document discusses the need for a new approach to personal financial planning. It notes that after 20 years of economic growth, most people have more debt than assets due to poor planning. Poor tax planning, hidden fees, biased advice, and isolated financial decisions have contributed to poor results for many. The author advocates creating a personal financial plan and obtaining independent advice to make better financial decisions that maximize returns after taxes and inflation. Hiring a financial coach can help with creating a plan and obtaining this kind of holistic, unbiased guidance.
Business Growth And The (Inevitable) Funding GapVirtual FD
Growing a business requires funding to support increased working capital needs. This document illustrates how accounts receivable, accounts payable, and revenue growth impact cash flow and working capital over time. Three examples show how adjusting customer payment terms can significantly increase funding needs to cover cash shortfalls during rapid revenue growth. Business owners should forecast cash flow and working capital needs before growing to ensure they have sufficient funds and understand trade-offs between revenue growth and short-term cash position.
The document provides information about investing and financial planning. It discusses the importance of starting to invest and save early due to the power of compound interest over time. It shows that investing $78 per month starting at age 25 can result in $500,000 by age 65, while waiting until age 35, 45, or 55 requires saving much more each month due to less time for compound growth. It also explains the "Rule of 72" for estimating how long it takes investments to double at a given interest rate.
The document provides information about investing and financial planning. It discusses the importance of starting to invest and save early due to the power of compound interest over time. It shows that investing $78 per month starting at age 25 can result in $500,000 by age 65, while waiting until age 35, 45, or 55 requires saving much more each month due to losing years of compound growth. It also explains the "Rule of 72" for how long it takes investments to double at different interest rates.
This document summarizes a tax deferral strategy called NexGen Financial that allows investors to separate their investment strategy from the tax treatment. It provides an example showing that using NexGen Financial for a $250,000 bond portfolio, the after-tax return is 4% compared to only 2.1% with a traditional bond account, due to taxes on interest income. Over 10 years, the NexGen account would be worth $370,000 compared to $303,600 for the traditional account. The strategy also allows tax-free withdrawals in retirement. The document questions why more advisors have not recommended this strategy to help clients minimize taxes and maximize returns.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
[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.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
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.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
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.
12. Personal accountBasic income Demurrage fee
% per month
Demurrage free
Basic income: 2000 per month
Setup
Personal accountBasic income Demurrage fee
% per month
Demurrage free
13. Personal accountBasic income Demurrage fee
% per month
Demurrage free
Basic income: 2000 per month
Income: 100000 per month
Spending: 10000 per month
With 2% demurrage With 2% interest
14. Total sum of money
account account account
account account account
account account account
account account account
…
Total
basic income
Total
demurrage fee
Basic income: 2000 - Demurrage: 2%
17. Basic income
Demurrage fee
% per month
Personal account
Demurrage free
Other account
Other account
Other account
Other account
Personal account
Demurrage free