Personal finances and economics
•Download as PPTX, PDF•
0 likes•840 views
The document discusses various topics related to personal finances and economics including: 1) The functions of money as a medium of exchange, store of value, and measure of value. 2) The types of financial institutions that operate in the US financial system such as commercial banks, savings and loans associations, and credit unions. 3) Ways the financial system is kept safe including through the FDIC and government regulation of banking. 4) Types of savings and investment vehicles individuals can use to grow their money such as savings accounts, certificates of deposit, money market accounts, US savings bonds, stocks, bonds, and mutual funds.
Report
Share
Report
Share
Recommended
Banking Basics
This document provides an overview of banking basics and personal finance management. It discusses deciding your spending habits, tracking revenues and expenses, and the benefits of banking such as safety, investing, saving, and using credit/debit cards. It also describes different types of financial institutions and important things to know about banking statements. The document emphasizes the importance of savings accounts, provides tips for using debit/credit cards wisely, and concludes that with this information readers are ready to start managing their own banking.
Banking Basics (Planning 10)
This document provides an overview of basic banking concepts. It first discusses determining your spending type and creating a budget to track income from sources like jobs and expenses like food and entertainment. Next, it explains the benefits of using a bank like safety of money, interest on savings, and access to loans. Common financial institutions are also outlined, such as chartered banks, credit unions, and investment companies. The document then describes bank statements, savings accounts, debit cards, and concludes with the key points about banking.
Banking Basics PowerPoint
Banks are for-profit institutions that earn money through services like savings accounts and loans, while credit unions are non-profit cooperatives owned by members. Savings accounts provide interest income and have an annual percentage rate typically around 1-2%. Compound interest is better than simple interest since it earns interest on both the principal and accumulated interest over time. Certificates of deposit offer higher interest rates than savings accounts but may charge penalties for early withdrawals. Checking accounts allow purchases, payments and cash withdrawals, while overdraft protection can cover purchases made with insufficient funds for a fee. Proper check writing and endorsement procedures help prevent fraud. Maintaining an accurate check register is important for tracking account balances and transactions.
Basics of Banking in the U.S.
A general overview of the basics of banking in the U.S. aimed at international students in higher education.
Banking basics class-en-medikab
This document provides an overview of personal banking services. It discusses opening checking and savings accounts, the differences between banks and credit unions, account verification services like ChexSystems, debit cards, check writing, keeping fees low, certificates of deposit, safe deposit boxes, and how to properly manage accounts. The goal is to give participants a thorough understanding of banking basics to help them benefit from financial institution services.
Understanding your Credit
This was from a lunch and learn series that I put together to help people understand their credit report.
Unit 3B - Checks
This document provides instructions on how to properly manage and use a checking account. It explains the key parts of a check, how to correctly write checks including spelling out numeric amounts, the importance of avoiding writing checks to cash, how to record checks in a check register, how to reconcile the register with bank statements each month, how to endorse checks, and what overdraft protection is and how it works to protect against insufficient funds.
Arian eghbali
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.
Recommended
Banking Basics
This document provides an overview of banking basics and personal finance management. It discusses deciding your spending habits, tracking revenues and expenses, and the benefits of banking such as safety, investing, saving, and using credit/debit cards. It also describes different types of financial institutions and important things to know about banking statements. The document emphasizes the importance of savings accounts, provides tips for using debit/credit cards wisely, and concludes that with this information readers are ready to start managing their own banking.
Banking Basics (Planning 10)
This document provides an overview of basic banking concepts. It first discusses determining your spending type and creating a budget to track income from sources like jobs and expenses like food and entertainment. Next, it explains the benefits of using a bank like safety of money, interest on savings, and access to loans. Common financial institutions are also outlined, such as chartered banks, credit unions, and investment companies. The document then describes bank statements, savings accounts, debit cards, and concludes with the key points about banking.
Banking Basics PowerPoint
Banks are for-profit institutions that earn money through services like savings accounts and loans, while credit unions are non-profit cooperatives owned by members. Savings accounts provide interest income and have an annual percentage rate typically around 1-2%. Compound interest is better than simple interest since it earns interest on both the principal and accumulated interest over time. Certificates of deposit offer higher interest rates than savings accounts but may charge penalties for early withdrawals. Checking accounts allow purchases, payments and cash withdrawals, while overdraft protection can cover purchases made with insufficient funds for a fee. Proper check writing and endorsement procedures help prevent fraud. Maintaining an accurate check register is important for tracking account balances and transactions.
Basics of Banking in the U.S.
A general overview of the basics of banking in the U.S. aimed at international students in higher education.
Banking basics class-en-medikab
This document provides an overview of personal banking services. It discusses opening checking and savings accounts, the differences between banks and credit unions, account verification services like ChexSystems, debit cards, check writing, keeping fees low, certificates of deposit, safe deposit boxes, and how to properly manage accounts. The goal is to give participants a thorough understanding of banking basics to help them benefit from financial institution services.
Understanding your Credit
This was from a lunch and learn series that I put together to help people understand their credit report.
Unit 3B - Checks
This document provides instructions on how to properly manage and use a checking account. It explains the key parts of a check, how to correctly write checks including spelling out numeric amounts, the importance of avoiding writing checks to cash, how to record checks in a check register, how to reconcile the register with bank statements each month, how to endorse checks, and what overdraft protection is and how it works to protect against insufficient funds.
Arian eghbali
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.
Credit
This document provides information on various topics related to consumer credit:
- It defines credit, the types of consumer and commercial credit, and creditor. The main types of consumer credit are charge accounts, credit cards, and installment borrowing.
- Open-end and closed-end credit are described as the two main types of consumer credit. Open-end has a revolving line of credit while closed-end is a fixed-amount loan.
- Advantages and limitations of using credit are outlined. Factors to consider before using credit like ability to repay and total costs are also discussed.
- Sources of consumer credit include commercial banks, credit unions, and retail stores. Proper credit card usage and potential consequences of
Understanding Credit PowerPoint
Credit allows consumers to purchase goods and services now and pay for them later. When using credit, finance charges in the form of interest and fees are usually incurred. The amount of credit used, annual percentage rate, and length of repayment time all affect the size of finance charges. While credit provides advantages like convenience and access to costly items, it also poses disadvantages like reducing future income and risk of serious consequences if misused. Different types of credit include sales credit for purchases and cash credit for loans. Establishing a good credit history involves steps like maintaining employment, managing bank accounts responsibly, and initially using small credit limits and paying bills on time. Credit ratings evaluate a person's creditworthiness based on their credit report and credit score
Credit Review
The document summarizes key concepts related to consumer credit, including definitions of common credit terms, types of credit accounts and loans, how interest is calculated, credit reporting agencies and credit scores, laws protecting consumers, and tips for establishing good credit. It provides information on creditors, debtors, the annual percentage rate, grace periods, credit limits, principal and interest, open-ended and closed-end credit, revolving accounts, and methods for calculating interest charges. It also outlines federal laws governing credit reporting, equal access to credit, billing practices, debt collection, and electronic fund transfers.
7.02 c -establish__maintain_creditt
The document provides information on establishing and maintaining good credit. It discusses the importance of creditors evaluating a person's ability and willingness to repay debts through their credit rating and the "3 Cs" of character, capacity, and capital. It offers tips for establishing good credit such as taking out small loans and paying all bills on time. It also covers considerations for choosing credit, types of loan sources, and maintaining good financial habits to protect one's credit rating.
Unit 5: Credit (Notes)
This document provides information about different types of consumer credit. It defines credit as an arrangement to receive goods or services now and pay for them later. It discusses how credit works, including borrowing money from a creditor and paying interest. It also covers the costs and benefits of using credit, factors to consider before financing a purchase, and the various forms consumer credit can take, such as credit cards, loans, and layaway plans. It emphasizes the importance of understanding interest rates, fees, repayment terms, and your ability to repay before taking on debt.
Personal loan
The document provides information about personal loans, including what a personal loan is, the sources and process for obtaining a personal loan, the various documents required, terms included in the loan contract such as interest rates and repayment schedules, and factors to consider when taking out a personal loan such as annual percentage rates and credit scores.
chapter 15 money and the financial system
The document defines money and its key functions as a medium of exchange, store of value, and measure of value. It describes various types of money including paper money, coins, checking and savings accounts, money market accounts, certificates of deposit, credit cards, and debit cards. It also compares different banking institutions like commercial banks, savings and loan associations, credit unions, and mutual savings banks. Finally, it distinguishes nonbanking financial institutions such as insurance companies, pension funds, mutual funds, brokerage firms, and finance companies.
Banking Law and Practice - Part 3
A bank is a licensed financial institution that receives deposits and makes loans. There are several types of banks including retail banks, commercial banks, and investment banks. A bank customer is a person or entity that maintains an account or has a business relationship with the bank. The main types of bank accounts are savings accounts, fixed deposits, recurring deposits, and current accounts. Savings accounts earn interest and have limits on withdrawals while current accounts are for businesses and allow unlimited transactions but no interest. Opening a bank account requires completing forms, providing identification, making an initial deposit, and receiving account materials from the bank like a passbook or chequebook.
6.1 types of credit
This document discusses types of credit and the process for earning credit. It describes credit as receiving goods, services, or money in exchange for a future promise to pay with interest. When applying for credit, lenders evaluate a borrower's character, capital, capacity, collateral, and the current economic conditions to determine their ability and willingness to repay. The main types of credit described are installment loans like car loans, student loans, credit cards, and mortgages for home purchases. Each has distinct features around repayment amounts, timelines, interest rates and fees.
Cost of credit
When taking out a loan, borrowers must pay fees and interest. Fees are charged for services like application review and account maintenance, while interest is the amount charged for borrowing the money. Interest rates can be either fixed or variable. Additionally, truth in lending laws require lenders to clearly disclose loan costs, such as fees, interest rates, total payment amount, and more, to allow for easy comparison between credit options.
Rewrite3
Payday loans remain in demand because they provide a short-term bridge for consumers until their next paycheck to pay back immediate needs. While payday loans are convenient for low-income workers who need quick access to funds, some companies have been known to harass borrowers who can't repay on time. Overall, payday loans are legally regulated and can be a last resort option if used responsibly, but consumers must research companies and only borrow what they can repay to avoid being victimized by fraud or falling into long-term debt.
Presentation crypto complimentary currency club
⨊GåFöre(O⨋)The FedratedMutualSociety.⨊Före(s)And⨋Lagom(s) Putting the Complementary into Crypto Currencies!.
http://letthemconfectsweeterlies.blogspot.se/2018/05/fores-lagom-federated-currency-slide.html ⨊GåFöre(O⨋)The FedratedMutualSociety.⨊Före(s)And⨋Lagom(s) Putting the Complementary into Crypto Currencies!
Credit union overview
Here's a quick overview of Credit Unions for anyone who would like to understand this type of financial services firm. Member owned, with products that are typical to banks. Perfect introduction to use for new customers. We can add to or modify this presentation for any credit union that would like a custom version for educating community groups. Contact us 316 680 6482.
Credit Unions PowerPoint Presentation Slides
Presenting this set of slides with name - Credit Unions Powerpoint Presentation Slides. This PPT deck displays fourty two slides with in depth research. Our topic oriented Credit Unions Powerpoint Presentation Slides presentation deck is a helpful tool to plan, prepare, document and analyse the topic with a clear approach. We provide a ready to use deck with all sorts of relevant topics subtopics templates, charts and graphs, overviews, analysis templates. Outline all the important aspects without any hassle. It showcases of all kind of editable templates infographs for an inclusive and comprehensive Credit Unions Powerpoint Presentation Slides presentation. Professionals, managers, individual and team involved in any company organization from any field can use them as per requirement.
13 credit & loan functions
This document discusses credit and loan functions, including evaluating methods of financing a purchase, comparing costs and conditions of secured and unsecured loans, explaining the need for a good credit rating, identifying qualifications needed to obtain credit, and identifying basic provisions of credit and loan laws. Specifically, it examines factors that determine creditworthiness like character, capacity, capital, conditions, and collateral. It also outlines several laws that affect credit and loans, such as the Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, and CARD Act.
Lap loans
LAP LOAN
Loan against Property (LAP)
refers to a secured loan category somewhat like a home loan where the borrower provides guarantee by using his property as security. The right of ownership of the property is still with the borrower, and if for some reason, the borrower is unable to repay the loan amount, the property can always be sold off to pay off the debt.
The maximum loan amount varies from bank to bank and could range from Rs.2 lakhs up to Rs.100 lakhs. The loan amount depends on the property valuation, your income and of-course your repayment capacity.
The maximum loan amount can come upto 80% to 100% of property value for commercial setups and up to 80% for residential properties (This is really variable as it completely depends on the valuation of your property).
The maximum loan tenure in Loan Against Property cases is 15 years.
Be ready to provide security, collateral or guarantors in order to obtain a Loan Against Property, not to mention a long verification process.
Loan Matter Advocate in Delhi
According to Mr. Kislay Pandey-Loan Matter Advocate, the Supreme Court of India, "Interest rate in India changes so frequently that it affect the borrowers in all types of loans and processes.
Banking Overview
The document provides an overview of various topics in banking including:
1. It introduces retail banking, corporate banking, investment banking and private banking and the various services offered under each.
2. It discusses key banking terminology like CASA (current and savings accounts), time deposits, loans, remittances and non-branch delivery channels.
3. It covers banking principles, regulations, accounting practices, lending, types of accounts, and legal and regulatory aspects of banking.
Money
Money was developed to overcome the difficulties of bartering. To function as money, an item must fulfill three roles: be a medium of exchange, a store of value, and a unit of account. Modern money includes commodity money, which has intrinsic value, and fiat money, which derives value by government decree and is not backed by commodities. The money supply is measured by monetary aggregates M1 and M2, with M1 being the most liquid and including currency, demand deposits, and travelers checks, and M2 adding savings deposits, money market funds, and other near monies.
Ch 12
The document discusses various types of financial institutions and how they operate. It describes how commercial banks offer services like checking and savings accounts and make profits by charging higher interest rates on loans than paid on deposits. It also explains how savings and loan associations originally focused on savings accounts and home loans but now offer more services, and how credit unions are nonprofit banks that offer members low-interest loans and high rates on savings.
Financial Literacy ppt how become successful
This document provides information about various financial literacy topics including vocabulary terms, banking accounts, taxes, credit cards, and insurance. It begins with defining key terms related to finances and revenues and expenses. It then discusses the different types of banking accounts including checking, savings, money market, and certificates of deposit. The document also covers topics such as paying taxes, building credit with credit cards, and different types of insurance policies.
Financial Literacy.ppt
This document provides information about various financial literacy topics including banking, investing, taxes, credit cards, and insurance. It includes vocabulary terms, explanations of key concepts, and activities for students. Some key points covered are the different types of bank accounts, how to write a check, basic tax concepts, how credit scores are calculated, and the purpose of different types of insurance policies. Students are given assignments to demonstrate their understanding of topics through projects, worksheets, and other activities.
More Related Content
What's hot
Credit
This document provides information on various topics related to consumer credit:
- It defines credit, the types of consumer and commercial credit, and creditor. The main types of consumer credit are charge accounts, credit cards, and installment borrowing.
- Open-end and closed-end credit are described as the two main types of consumer credit. Open-end has a revolving line of credit while closed-end is a fixed-amount loan.
- Advantages and limitations of using credit are outlined. Factors to consider before using credit like ability to repay and total costs are also discussed.
- Sources of consumer credit include commercial banks, credit unions, and retail stores. Proper credit card usage and potential consequences of
Understanding Credit PowerPoint
Credit allows consumers to purchase goods and services now and pay for them later. When using credit, finance charges in the form of interest and fees are usually incurred. The amount of credit used, annual percentage rate, and length of repayment time all affect the size of finance charges. While credit provides advantages like convenience and access to costly items, it also poses disadvantages like reducing future income and risk of serious consequences if misused. Different types of credit include sales credit for purchases and cash credit for loans. Establishing a good credit history involves steps like maintaining employment, managing bank accounts responsibly, and initially using small credit limits and paying bills on time. Credit ratings evaluate a person's creditworthiness based on their credit report and credit score
Credit Review
The document summarizes key concepts related to consumer credit, including definitions of common credit terms, types of credit accounts and loans, how interest is calculated, credit reporting agencies and credit scores, laws protecting consumers, and tips for establishing good credit. It provides information on creditors, debtors, the annual percentage rate, grace periods, credit limits, principal and interest, open-ended and closed-end credit, revolving accounts, and methods for calculating interest charges. It also outlines federal laws governing credit reporting, equal access to credit, billing practices, debt collection, and electronic fund transfers.
7.02 c -establish__maintain_creditt
The document provides information on establishing and maintaining good credit. It discusses the importance of creditors evaluating a person's ability and willingness to repay debts through their credit rating and the "3 Cs" of character, capacity, and capital. It offers tips for establishing good credit such as taking out small loans and paying all bills on time. It also covers considerations for choosing credit, types of loan sources, and maintaining good financial habits to protect one's credit rating.
Unit 5: Credit (Notes)
This document provides information about different types of consumer credit. It defines credit as an arrangement to receive goods or services now and pay for them later. It discusses how credit works, including borrowing money from a creditor and paying interest. It also covers the costs and benefits of using credit, factors to consider before financing a purchase, and the various forms consumer credit can take, such as credit cards, loans, and layaway plans. It emphasizes the importance of understanding interest rates, fees, repayment terms, and your ability to repay before taking on debt.
Personal loan
The document provides information about personal loans, including what a personal loan is, the sources and process for obtaining a personal loan, the various documents required, terms included in the loan contract such as interest rates and repayment schedules, and factors to consider when taking out a personal loan such as annual percentage rates and credit scores.
chapter 15 money and the financial system
The document defines money and its key functions as a medium of exchange, store of value, and measure of value. It describes various types of money including paper money, coins, checking and savings accounts, money market accounts, certificates of deposit, credit cards, and debit cards. It also compares different banking institutions like commercial banks, savings and loan associations, credit unions, and mutual savings banks. Finally, it distinguishes nonbanking financial institutions such as insurance companies, pension funds, mutual funds, brokerage firms, and finance companies.
Banking Law and Practice - Part 3
A bank is a licensed financial institution that receives deposits and makes loans. There are several types of banks including retail banks, commercial banks, and investment banks. A bank customer is a person or entity that maintains an account or has a business relationship with the bank. The main types of bank accounts are savings accounts, fixed deposits, recurring deposits, and current accounts. Savings accounts earn interest and have limits on withdrawals while current accounts are for businesses and allow unlimited transactions but no interest. Opening a bank account requires completing forms, providing identification, making an initial deposit, and receiving account materials from the bank like a passbook or chequebook.
6.1 types of credit
This document discusses types of credit and the process for earning credit. It describes credit as receiving goods, services, or money in exchange for a future promise to pay with interest. When applying for credit, lenders evaluate a borrower's character, capital, capacity, collateral, and the current economic conditions to determine their ability and willingness to repay. The main types of credit described are installment loans like car loans, student loans, credit cards, and mortgages for home purchases. Each has distinct features around repayment amounts, timelines, interest rates and fees.
Cost of credit
When taking out a loan, borrowers must pay fees and interest. Fees are charged for services like application review and account maintenance, while interest is the amount charged for borrowing the money. Interest rates can be either fixed or variable. Additionally, truth in lending laws require lenders to clearly disclose loan costs, such as fees, interest rates, total payment amount, and more, to allow for easy comparison between credit options.
Rewrite3
Payday loans remain in demand because they provide a short-term bridge for consumers until their next paycheck to pay back immediate needs. While payday loans are convenient for low-income workers who need quick access to funds, some companies have been known to harass borrowers who can't repay on time. Overall, payday loans are legally regulated and can be a last resort option if used responsibly, but consumers must research companies and only borrow what they can repay to avoid being victimized by fraud or falling into long-term debt.
Presentation crypto complimentary currency club
⨊GåFöre(O⨋)The FedratedMutualSociety.⨊Före(s)And⨋Lagom(s) Putting the Complementary into Crypto Currencies!.
http://letthemconfectsweeterlies.blogspot.se/2018/05/fores-lagom-federated-currency-slide.html ⨊GåFöre(O⨋)The FedratedMutualSociety.⨊Före(s)And⨋Lagom(s) Putting the Complementary into Crypto Currencies!
Credit union overview
Here's a quick overview of Credit Unions for anyone who would like to understand this type of financial services firm. Member owned, with products that are typical to banks. Perfect introduction to use for new customers. We can add to or modify this presentation for any credit union that would like a custom version for educating community groups. Contact us 316 680 6482.
Credit Unions PowerPoint Presentation Slides
Presenting this set of slides with name - Credit Unions Powerpoint Presentation Slides. This PPT deck displays fourty two slides with in depth research. Our topic oriented Credit Unions Powerpoint Presentation Slides presentation deck is a helpful tool to plan, prepare, document and analyse the topic with a clear approach. We provide a ready to use deck with all sorts of relevant topics subtopics templates, charts and graphs, overviews, analysis templates. Outline all the important aspects without any hassle. It showcases of all kind of editable templates infographs for an inclusive and comprehensive Credit Unions Powerpoint Presentation Slides presentation. Professionals, managers, individual and team involved in any company organization from any field can use them as per requirement.
13 credit & loan functions
This document discusses credit and loan functions, including evaluating methods of financing a purchase, comparing costs and conditions of secured and unsecured loans, explaining the need for a good credit rating, identifying qualifications needed to obtain credit, and identifying basic provisions of credit and loan laws. Specifically, it examines factors that determine creditworthiness like character, capacity, capital, conditions, and collateral. It also outlines several laws that affect credit and loans, such as the Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, and CARD Act.
Lap loans
LAP LOAN
Loan against Property (LAP)
refers to a secured loan category somewhat like a home loan where the borrower provides guarantee by using his property as security. The right of ownership of the property is still with the borrower, and if for some reason, the borrower is unable to repay the loan amount, the property can always be sold off to pay off the debt.
The maximum loan amount varies from bank to bank and could range from Rs.2 lakhs up to Rs.100 lakhs. The loan amount depends on the property valuation, your income and of-course your repayment capacity.
The maximum loan amount can come upto 80% to 100% of property value for commercial setups and up to 80% for residential properties (This is really variable as it completely depends on the valuation of your property).
The maximum loan tenure in Loan Against Property cases is 15 years.
Be ready to provide security, collateral or guarantors in order to obtain a Loan Against Property, not to mention a long verification process.
Loan Matter Advocate in Delhi
According to Mr. Kislay Pandey-Loan Matter Advocate, the Supreme Court of India, "Interest rate in India changes so frequently that it affect the borrowers in all types of loans and processes.
Banking Overview
The document provides an overview of various topics in banking including:
1. It introduces retail banking, corporate banking, investment banking and private banking and the various services offered under each.
2. It discusses key banking terminology like CASA (current and savings accounts), time deposits, loans, remittances and non-branch delivery channels.
3. It covers banking principles, regulations, accounting practices, lending, types of accounts, and legal and regulatory aspects of banking.
Money
Money was developed to overcome the difficulties of bartering. To function as money, an item must fulfill three roles: be a medium of exchange, a store of value, and a unit of account. Modern money includes commodity money, which has intrinsic value, and fiat money, which derives value by government decree and is not backed by commodities. The money supply is measured by monetary aggregates M1 and M2, with M1 being the most liquid and including currency, demand deposits, and travelers checks, and M2 adding savings deposits, money market funds, and other near monies.
What's hot (19)
Similar to Personal finances and economics
Ch 12
The document discusses various types of financial institutions and how they operate. It describes how commercial banks offer services like checking and savings accounts and make profits by charging higher interest rates on loans than paid on deposits. It also explains how savings and loan associations originally focused on savings accounts and home loans but now offer more services, and how credit unions are nonprofit banks that offer members low-interest loans and high rates on savings.
Financial Literacy ppt how become successful
This document provides information about various financial literacy topics including vocabulary terms, banking accounts, taxes, credit cards, and insurance. It begins with defining key terms related to finances and revenues and expenses. It then discusses the different types of banking accounts including checking, savings, money market, and certificates of deposit. The document also covers topics such as paying taxes, building credit with credit cards, and different types of insurance policies.
Financial Literacy.ppt
This document provides information about various financial literacy topics including banking, investing, taxes, credit cards, and insurance. It includes vocabulary terms, explanations of key concepts, and activities for students. Some key points covered are the different types of bank accounts, how to write a check, basic tax concepts, how credit scores are calculated, and the purpose of different types of insurance policies. Students are given assignments to demonstrate their understanding of topics through projects, worksheets, and other activities.
Ch 12
The document provides an overview of money and financial institutions. It defines money and describes its key functions and characteristics. It then discusses various types of financial institutions like banks, credit unions, and the Federal Reserve System. Banks offer services like deposits, withdrawals, loans, and interest. The Federal Reserve System acts as the central bank and regulates the money supply and banking system in the US.
Unit 3A: Banking
This document provides information on various types of financial institutions and banking services. It discusses commercial banks, credit unions, savings accounts, checking accounts, loans, online banking, and other services offered by banks. The key points covered include the differences between banks and credit unions, factors to consider when choosing a bank, requirements for opening an account, and fees associated with various products and services.
Banking
The document discusses various types of banking and financial services institutions and products. It describes commercial banks, savings and loans associations, credit unions, and other non-deposit institutions. It also explains different financial services offered, the history and structure of the Federal Reserve system, and its roles in monetary policy and bank supervision. Various savings alternatives like savings accounts, certificates of deposit, money market accounts, and US savings bonds are also outlined and compared in terms of risk, return, liquidity, and suitability for different savings goals.
Lucagbo
Savings accounts allow individuals to earn interest on money set aside for future use. Savings accounts have variable interest rates and restrictions on withdrawals. Checking accounts are used for everyday spending and offer easy access to funds but have low interest rates. Mortgages are loans used to purchase real estate that are paid back over time with interest. Certificates of deposit (CDs) are low-risk savings products offered by banks that have a fixed maturity date and interest rate but restrict withdrawals until maturity.
Class VII ppt based on Financial Education workbook
The document discusses various banking and financial concepts. It explains the need for borrowing and different sources of borrowing including internal sources like friends and family and external sources like banks. It defines key banking terms like loans, interest, and the role of the Reserve Bank of India in regulating banks and maintaining financial stability. The document also covers consumer rights and introduces concepts like types of bank accounts, cheques, debit cards, credit cards, ATMs and digital banking facilities like internet banking and mobile banking.
Savings tools power_point_presentation_1.14.2.g1
Savings tools include checking accounts, savings accounts, money market deposit accounts, certificates of deposit, and savings bonds. They provide secure options for saving money through depository institutions, most of which are insured by the FDIC up to $250,000 per account. The best savings tool depends on an individual's financial goals and needs, specifically how much they want to save, when they need access to funds, and how long they can leave the money untouched. Features like interest rates, fees, and minimum balances vary between different savings tools and depository institutions.
Personal Financial Planning Guide
The document discusses personal financial planning and the Indian financial system. It provides an overview of various financial instruments and markets in India including money markets, debt markets, equity markets, and derivatives markets. It also discusses various financial intermediaries, regulators, and the relationship between the financial system and the broader economy. Various investment approaches and options available to different income categories are presented along with a case study on financial planning for a high-income individual.
Math, Banking, and Credit Unit.ppt
Name of the program: - Kena
Meaning in English: - Kena (Straight Up)- to start doing what needs to be done by uplifting the entrepreneurs on the right direction with the right mindset and support.
Meaning in Amharic: - (ቀና)፡-ወጣት ስራ ፈጣሪዎችን ቀና እንዲሉ የሚያግዝ ማለትም ካሉበት ነባራዊ ሁኔታ ቀና በማለት ወደ ተሻለ ተስፋ የሚያመሩበትን እድል ያመቻቻል፣ ቀና እድል (መልካም እድል) ለወጣት ስራ ፈጣሪዎች፡፡
About Kena
Kena is a program designed by EYEA to understand, support and empower the young entrepreneurs in their entrepreneurship journey. Kena; capacitate young entrepreneurs on the required skills and make their business ideas/products ready for financing. Kena will address on the existing entrepreneurship course problem that it is more of theory which has little to no contribution in preparing the young entrepreneurs to understand there potential and realize their vision. To achieve this there is a need to prepare contextualized training, coaching and mentoring program. The overall aim of Kena program is to make the selected potential entrepreneurs to make their business ideas investment ready and network for accessing finance and related exposure at Zelela monthly policy advocacy and networking platform.
Intervention of Kena schemes
1. Developing lab for entrepreneurial capacity assessment, Profiling selected potential entrepreneurs and develop Competency based model.
2. Capacitate Selected Young Entrepreneurs through Training, Coaching and Mentoring Program and business information.
3. Conduct pitch competition.
4. Prepare them for Show case event (Expose the young entrepreneurs to Zelela platform which advocate towards a better business ecosystem for Job and Wealth creation “Beyond Being Employee Program” BBEP and expose them to network on Zelela.
5. Recommend the entrepreneurs to access finance by facilitating digital ID and Ip in addition to bankable business proposal.
Objective of Kena
- EYEA- aims to provide service packages that enhance trusts between entrepreneurs and financial institutions the “Trust- Startup (IDEs) Incubation & Acceleration Program”- (TSIAP) and to promote them to Zelela platform.
- EYEA has designed a program called Kena to empower young entrepreneurs by providing contextualized training, coaching and mentoring to make their business ideas investment ready and network for accessing finance. The objective of Kena is to provide service packages that enhance trusts between entrepreneurs and financial institutions the “Trust- Startup (IDEs) Incubation & Acceleration.
- EYEA has designed a program called Kena aims to build trust between entrepreneurs and financial institutions through IDEs Incubation & Acceleration.
EYEA's Kena program provides training, coaching and mentoring to empower young entrepreneurs to access finance.
Target of Kena
- On young entrepreneurs from different areas like university students and others whose age is 18-35.
- On the sectors demanded by entrepreneurs. The priority sectors are Agriculture, Health, Tourism, Manufacturing, Education and ICT.
All about credit unions and banking services
Credit unions are member-owned, not-for-profit cooperatives that offer similar services to banks such as savings and checking accounts, loans, credit cards and more. The key differences are that credit unions have lower fees and rates that are returned to members as dividends. Members can access their accounts through online banking, mobile apps, ATMs and shared branch locations across the country. To join a credit union, a person must qualify through an employer, community, or organization. The document provides an overview of credit union services and benefits compared to banks.
Credit resources.docx
Starting off with the pre paid Visa card can help you create good spending habits and prepare you for an unsecured credit card down the road.
Credit resources
Very efficiently written information. It will be beneficial to anybody who utilizes it, including me. Keep up the good work. For sure i will check out more posts. This site seems to get a good amount of visitors.
103 debt-credit cards
This document discusses financial literacy and debt from a Christian perspective. It warns that families can be destroyed by a lack of financial knowledge and debt. It provides tips for managing credit cards responsibly, such as only charging what you can pay off monthly to avoid interest, fees, and damage to your credit score. It also cautions against refinancing credit card or other unsecured debt onto your home, as this exposes your otherwise protected home equity to creditors.
trade finance.pptx
Asset Alliance |Financing Broker Dubai
Asset Alliance has a professional team with expertise in finance, mortgage and loan brokers in Dubai.
Financing Broker,personal loan,Personal Loan,SMEs Business Loan,POS Loan ,Mortgage ,Business bank, account,Credit Card,Buy out Loan,Debt Consolidation,
Car/ Auto Loan,Bank guarantee & Trade Finace Dubai.
Ozark Mtn. Bank Presentation
This was presentated by the marketing director from a local bank to personal finance students at an area high school.
Designatthe edge designbrief
The document appears to be a design project proposal for a concept called "Cash Conscious" that aims to study how Generation Y/Millennials interact with and think about money. Based on interviews with people aged 18-30, the project found that savings is not a high priority and money is often spent on daily necessities and small "silly" things. Two concepts are proposed: Tracklet, which tracks spending on a debit card via sensors, and Pity Bank, which gamifies savings by having users care for digital money-related pets that represent transferring money to savings.
CashConscious
The document discusses potential concepts for a product aimed at encouraging saving among Generation Y/Millennials. Concept A involves a "Tracklet" device that would attach to a debit card and notify the user via light or heat when their spending reaches a certain amount. Concept B is an app called "Pity Bank" where users adopt a digital "monetar" character representing their savings. Feeding the monetar by transferring money to savings provides emotional rewards and encourages regular saving. The concepts aim to make saving more tangible and fun to promote it among the target group.
Similar to Personal finances and economics (20)
Class VII ppt based on Financial Education workbook
Class VII ppt based on Financial Education workbook
More from kellycrowell
Unit 5 agriculture
Agriculture has evolved over time from hunter-gatherers to modern agribusiness. A key transition was the Neolithic Revolution, where plants and animals were domesticated, leading to urbanization, social classes, specialized jobs, and larger populations. This also brought problems like diseases, famines, and conflict over land. Early farming involved subsistence agriculture to only grow enough food to survive through methods like slash-and-burn cultivation and nomadic pastoralism.
1950s (1)
After WWII, the US economy boomed as soldiers returned home. The GI Bill helped veterans get education and low-interest loans for homes and businesses. Suburbs grew rapidly along with car ownership. Most families enjoyed economic security and material comforts. However, 25% still lived in poverty, and racial minorities faced ongoing discrimination. The civil rights movement gained momentum to address these inequalities.
Clinton years
The document summarizes key events during Bill Clinton's presidency from 1992 to 2000. It discusses Clinton's election as the first baby boomer president after Bush could not convince voters he could end the recession. Clinton aimed to move the Democratic party toward the center. His efforts to pass health care reform failed. However, the economy boomed during his presidency as unemployment dropped and the budget had a surplus used to pay off debt. Clinton was impeached in 1998 for perjury regarding his relationship with Monica Lewinsky but was acquitted by the Senate.
APUSH Period 4 Review
This document provides an overview of key events and developments during Period 4 (1800-1848) of AP US History. It summarizes the Jeffersonian Revolution of 1800 and Jefferson's presidency. It also discusses John Marshall and key Supreme Court cases, the Louisiana Purchase and Lewis and Clark expedition, the War of 1812 and aftermath, nationalism shaping foreign policy, the Industrial Revolution and rise of factories, internal improvements like canals and railroads, and the development of distinct economic systems in the North and South relating to slavery and cotton.
The saq
The document provides information about the Short Answer Question (SAQ) portion of the AP US History exam, which makes up 20% of the total exam score. It explains that the SAQ consists of 3 questions that require analyzing historical sources using the skills of argumentation, causation, and comparison. Students must answer the first two required questions and choose one of the last two. Each question contains 3 parts (A,B,C) that students must directly answer in 3-4 sentences while citing a specific historical detail to support their response. The document also provides sample questions and uses the ACE strategy to demonstrate how to structure answers.
Writing an apush thesis
The document provides guidance on writing an effective thesis statement and essay for an APUSH prompt. It begins by explaining the importance of carefully reading and understanding the prompt to determine what type of question is being asked. It then provides examples of different thesis formulas and outlines how to structure an introductory paragraph. The document offers tips for decoding verbs in essay questions and analyzing the effectiveness of a prompt asking "To what extent...". It emphasizes addressing all aspects of the prompt and provides examples of outlining body paragraphs. Overall, the document serves as a useful guide for students on how to break down an APUSH prompt and construct a strong thesis-driven response.
Historical thinking skills
The document outlines 9 historical thinking skills for AP US History:
1. Analyzing primary sources by identifying the author's purpose, audience, and historical context.
2. Interpreting secondary sources by analyzing the author's argument and evidence.
3. Comparing perspectives, events, and societies across time periods and locations.
4. Contextualizing events and documents within their broader historical time period and surroundings.
5. Synthesizing connections between historical issues, themes, periods and locations.
Colonial north america_ch3
The geographic diversity of colonial North America influenced its economic, social, and political development in several ways:
- The New England colonies had poor rocky soil but abundant forests, leading to economies focused on lumber, fishing, shipbuilding, and trade. Town meetings encouraged direct democracy. Religion, particularly Puritanism, was highly influential in social and educational structures.
- The Middle colonies occupied a region with long growing seasons and fertile soil, allowing cash crops like grains and the rise of large cities. Wealthy landowners had significant political and economic power.
- Plantation agriculture flourished in the Southern colonies, made possible through the use of slave labor to produce lucrative crops like tobacco and rice. The hot climate
12 constitutional convention-1_3 (1) (1)
The document summarizes the key events and outcomes of the 1787 Constitutional Convention. It notes that 55 delegates from 12 states (except Rhode Island) attended, including George Washington, Benjamin Franklin, and James Madison. They decided to discard the Articles of Confederation and write a new Constitution. There were opposing plans from James Madison and the small states, which were resolved by compromises, including equal representation of states in the Senate and proportional representation in the House. The Constitution was then ratified after intense debate between Federalists and opponents.
Apush week 1
This document outlines assignments to complete in the Getting Started unit, including assignments in Module One Lesson One. It also provides instructions to enable mixed media if having trouble viewing notes in SoftChalk.
Chapter 3 settling the northern colonies
The document summarizes the settlement of the northern colonies, including the founding of Plymouth colony by the Pilgrims, the establishment of Massachusetts Bay colony by Puritans seeking religious freedom, and the spread of Puritan ideals of self-governance and a strict moral code. It also discusses the founding of Rhode Island by Roger Williams based on complete religious toleration, as well as the growth of Connecticut and conflicts with Native Americans. The middle colonies including New York, New Jersey, Pennsylvania and Delaware saw more religious and ethnic diversity compared to New England.
Chapter 2
The document summarizes the planting and development of English colonies in North America between 1500-1733. It discusses the Protestant Reformation in England, early failed colonial attempts like Roanoke, the founding of Jamestown in 1607, the growth of tobacco as a cash crop, the establishment of representative government with the House of Burgesses in 1619, the founding of other colonies like Maryland and the Carolinas, and the rise of the plantation system and slavery in the southern colonies. It provides important context for the initial period of English colonization in North America.
The age of_exploration
Here is a potential response developing a couple sentences on what is needed to start a successful colony:
To establish a successful colony, careful planning and adequate resources are essential. Colonists need a stable food source and shelter immediately upon arrival. They must have the tools, supplies, and expertise across various skills like farming, construction, trade, and defense to become self-sufficient in the new environment. Ongoing support from the sponsoring country can also help the colony survive the early vulnerable years until it is established.
Pre columbian america-and_renaissance_europe
Hunter-gatherer bands first crossed into North America from Asia over 10,000 years ago. They gradually spread throughout North and South America, developing diverse cultures and lifestyles based on their environments. Some groups in Mexico and South America, like the Maya, Inca, and Aztecs, formed complex civilizations with urban societies, advanced technologies, and complex political systems. While most groups in North America did not develop large empires, they established varied societies adapted to their specific environments, such as coastal fishing in the Pacific Northwest or irrigation farming in the Southwest. By the time of European contact, hundreds of distinct native cultures inhabited the Americas.
1.3 lifeinthe britishcolonies
The British colonies in North America had diverse economies and governments but also shared some common traits. They were largely self-governed but remained under control of the British Parliament and king. Colonial assemblies passed laws and levied taxes, typically dominated by wealthy landowners. The colonies participated extensively in the trans-Atlantic trade of goods, with the Southern colonies exporting cash crops like tobacco and the New England colonies exporting fish and whale oil. Regional differences divided the colonies into the predominantly agricultural Southern colonies and the more economically diverse Northern colonies.
1.2 southern ne middle colonies
The document provides an overview of the key differences among the British colonies in North America, including the Chesapeake (Virginia), New England, Middle, and Southern colonies. It summarizes that the Chesapeake colonies like Virginia relied on tobacco plantations and slavery. The New England colonies such as Plymouth and Massachusetts were founded for religious freedom and had family settlers who farmed. The Middle colonies including Pennsylvania and New York had diverse populations and economies. The Southern colonies resembled Virginia with cash crops like rice and indigo that relied on the slave labor system.
1.1 spanish french dutch british colonies
Before Columbus arrived in 1492, North America was dominated by diverse indigenous groups with different ways of life. In eastern North America, groups like the Iroquois and Cherokee lived in farming villages, while on the Great Plains the Sioux and Cheyenne hunted buffalo. In central America, the powerful Aztec Empire dominated surrounding groups. After Columbus' arrival, European powers colonized different regions of North America for reasons like finding wealth and converting indigenous peoples to Christianity. The Spanish focused on mining gold and silver in central and South America as well as the southwest US. The French claimed territory from Canada to Louisiana and focused on the fur trade. The Dutch colony of New Amsterdam allowed religious freedom and political participation.
Gw bush
The document summarizes events surrounding the 2000 US presidential election between Al Gore and George W. Bush. It describes how the race came down to Florida's electoral votes, the state underwent several recounts that resulted in narrow and shifting leads for both candidates, and the results were disputed. The disputes moved to the courts, with the US Supreme Court ultimately ruling to stop further recounts, making Bush the winner and president.
Clinton years
The document summarizes key events during Bill Clinton's presidency from 1992 to 2000. It discusses Clinton's election as the first baby boomer president after Bush could not convince voters he could end the recession. Clinton aimed to move the Democratic party toward the center. His efforts to pass health care reform failed. However, the economy boomed during his presidency as unemployment dropped and the budget had a surplus used to pay off debt. Clinton was impeached in 1998 for perjury regarding his relationship with Monica Lewinsky but was acquitted by the Senate.
Ghw bush
George H.W. Bush served two terms in Congress and held several important foreign policy roles before becoming vice president under Ronald Reagan. In 1988, Bush was elected president, promising conservatism and no new taxes. However, he was later forced to raise taxes due to a rising deficit. Bush oversaw the end of the Cold War and dissolution of the Soviet Union. He also led a coalition that liberated Kuwait from Iraq in the Persian Gulf War. However, a weak economy hurt his reelection bid in 1992.
More from kellycrowell (20)
Recently uploaded
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Wayhome's analysis of the UK market and how pension schemes can help solve the problems it presents younger people
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
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.
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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.
An Overview of the Prosocial dHEDGE Vault works
How the prosocial dHEDGE earns you money while saving the world!
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.
Role of Information Technology in Revenue - Prof Oyedokun.pptx
Role of Information Technology in Revenue - Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide on the Role of Information Technology in Revenue Generation and Collection
2. Elemental Economics - Mineral demand.pdf
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
一比一原版(GWU,GW毕业证)加利福尼亚大学|尔湾分校毕业证如何办理
GWU,GW毕业证录取书【微信95270640】一比一伪造加利福尼亚大学|尔湾分校文凭@假冒GWU,GW毕业证成绩单+Q微信95270640办理GWU,GW学位证书@仿造GWU,GW毕业文凭证书@购买加利福尼亚大学|尔湾分校毕业证成绩单GWU,GW真实使馆认证/真实留信认证回国人员证明
全套服务：加利福尼亚大学|尔湾分校加利福尼亚大学|尔湾分校毕业证成绩单真实回国人员证明 #真实教育部认证。让您回国发展信心十足#铸就十年品质！信誉！实体公司！可以视频看办公环境样板如需办理真实可查可以先到公司面谈勿轻信小中介黑作坊！
可以提供加利福尼亚大学|尔湾分校钢印 #水印 #烫金 #激光防伪 #凹凸版 #最新版的毕业证 #百分之百让您绝对满意
印刷DHL快递毕业证 #成绩单7个工作日真实大使馆教育部认证1个月。为了达到高水准高效率
请您先以qq或微信的方式对我们的服务进行了解后如果有加利福尼亚大学|尔湾分校加利福尼亚大学|尔湾分校毕业证成绩单帮助再进行电话咨询。
国外毕业证学位证成绩单如何办理：
1客户提供办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作加利福尼亚大学|尔湾分校毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。口水苦涩无比山娃一边游泳一边念念不忘那元门票尤令山娃气愤的是泳池老板居然硬让父亲买了一大一小二条巴掌般大的裤衩衩走出泳池山娃感觉透身粘粘乎乎散发着药水味有点痒山娃顿时留恋起家乡的小河潺潺活水清凉无比日子就这样孤寂而快乐地过着寂寞之余山娃最神往最开心就是晚上无论多晚多累父亲总要携山娃出去兜风逛夜市流光溢彩人潮涌动的都市夜生活总让山娃目不暇接惊叹不已父亲老问山娃想买什么想吃什么山娃知道父亲赚钱很辛苦在
1.2 Business Ideas Business Ideas Busine
Business Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas Powerpoint
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.5 Tips for Creating Standard Financial Reports
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.
Earn a passive income with prosocial investing
Invest in prosocial funds that earn you an income while improving the world
Recently uploaded (20)
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
Role of Information Technology in Revenue - Prof Oyedokun.pptx
Role of Information Technology in Revenue - Prof Oyedokun.pptx
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...
Personal finances and economics
- 2. What functions does money have? Medium of Exchange: We trade “Money” for “Goods & Services” Store of Value: We hold our wealth in the form of “Money” until we are ready to use it. Measure of Value: Money is a measuring stick that can be used to assign a “Value” to a “Good or Service”. What different types of money can be used? Historically: Salt, Animal Hides, Gems, Tobacco Today Currency: Coins, Paper Money, Debit Cards, & Credit Cards What gives money value? We are absolutely sure that someone else will accept its “Value” as well.
- 3. What types of institutions work within our financial system? Commercial Banks: Financial Institutions that offer full banking service to all individuals & businesses. Savings and Loan Associations (S&Ls): Financial Institutions that traditionally “Loan Money” to people buying homes; however, today they also perform many of the service that “Banks” perform. Credit Unions: These are “Non-Profit” institutions that are only open to members of the group that sponsors them…EX…SECU (State Employees Credit Union)
- 4. What makes our financial system safe? FDIC: The Federal Deposit Insurance Corporation is a National Corporation that “Insures” individual accounts in financial institutions for up to $100,000…created after the Great Depression. Government Regulation: Banking is one of the most “Regulated” industries in the nation because of the banking disaster in the 1920s…they are required to follow rules and accounting practices that minimize unnecessary risk.
- 5. Within the free enterprise system individuals have a number of rights that include: The right to enter into any business or profession you are interested in if it is Legal The right to buy the products and brands that you like & to reject others that you don’t like. Identify each of the following: Disposable Income – The money that remains after “ALL TAXES” on it have been paid. Discretionary Income – The money remaining after paying for “All Necessities”. In the past the rights of consumers were limited and could be summed up with the phrase caveat emptor “Let the Buyer Beware” What is consumerism? A movement to educate Buyers about the Purchases they make and to demand better & safer products from Manufacturers.
- 6. Identify the purpose of each of the following acts: The Food, Drug and Cosmetic Act: Requires packages to list their ingredients according to the amount of each. The Pure Food and Drug Act: Requires Manufacturers of foods, cosmetics, & drugs to prove that their products are safe. The Fair Packaging and labeling Act: Requires every package to have a Label identifying its contents and its weight. What is the Better Business Bureau (BBB) – Provides info about Local Businesses and warn Consumers about dishonest business practices. What does the Consumer Bill of Rights (1960’s) state: Right to a Safe Product Right to be Informed Right to Choose Right to be Heard Right to Redress…Ask for your Money Back!!
- 7. Consumer Responsibilities Gather Info Comparison Shopping Make Fair Complaints Report Faulty Products Use Advertising Carefully What responsibility do consumers have?
- 8. What is a budget? A careful record of all the money you earn and spend. What is income? The Money you Earn What are expenses? The Money you Spend on Everything What is a: Balanced budget- A Budget in which there is no Surplus or Deficit Budget surplus- Money is left over after you have paid all Expenses Budget deficit- You are short money after paying all Expenses What is credit? Borrowing Money to pay for something now while promising to repay later Where do people go to borrow money (sources of credit)? Banks Credit Unions Finance Companies Stores
- 9. Credit Term Description Lender Person who loans the money Borrower Person that Receives the Loaned Money Interest The cost for the use of the money Annual Percentage Rate (APR) The annual cost of credit expressed as a % of the amount borrowed Credit Rating An Evaluation of the likelihood of a borrower defaulting or being unable to repay a loan. Collateral Property that a borrower pledges as security for a loan. Bankruptcy The inabilities to pay off debts…you have no money. Credit Terms
- 10. Type of Account Definition Return Time Frame Bank Savings Account Accounts at a Bank, Savings Association, or Credit Union Low Interest Rate Depositor can withdraw money at any time. Certificates of Deposit Bank Notes for a set period of time at a Fixed Rate of Interest Interest Rates are usually higher than rates for Bank Savings Accounts Vary from 6 months to 5 years. Money Market Accounts Savings Accounts offered by Banks that require a high minimum balance Interest Rates are usually higher than rates for regular Bank savings accounts Depositor may withdraw funds at any time. U.S. Savings Bonds The U.S. Gov’t issues savings bonds as one of its ways of borrowing money Interest Rate is usually higher than rates on Bank Savings Accounts Good for medium & long-term savings goals. What are the different kinds of savings accounts individuals can save money in:
- 11. What are investments? Risking your income for a greater profit at a later time. Besides savings accounts what are other ways in which people can invest their money? Stocks: Partial Ownership Shares of a Corporation Dividend: Payment received for Ownership of a Share of Stock. Bonds: Lending or Investing your Personal Income with the U.S. Government…you are loaning the Gov’t Money. Mutual Funds: Pools of money from many people who are invested in a selection of individual stocks or bonds chosen by financial experts.