These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 30, 2021. This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-07 (2019): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given in November 2019. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-09 (2018): Personal Finance for Engineers / Real EstateAdam Nash
These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 27, 2018. This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-07 (2018): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on November 6, 2018. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-09: Personal Finance for Engineers / Real EstateAdam Nash
These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-05 (2020): Personal Finance for Engineers / Assets & Net WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-09 (2019): Personal Finance for Engineers / Real EstateAdam Nash
These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in November 2019. This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-07 (2021): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on November 9, 2021. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-06 (2019): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Stanford CS 007-07 (2019): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given in November 2019. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-09 (2018): Personal Finance for Engineers / Real EstateAdam Nash
These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 27, 2018. This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-07 (2018): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on November 6, 2018. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-09: Personal Finance for Engineers / Real EstateAdam Nash
These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-05 (2020): Personal Finance for Engineers / Assets & Net WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-09 (2019): Personal Finance for Engineers / Real EstateAdam Nash
These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in November 2019. This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-07 (2021): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on November 9, 2021. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-06 (2019): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Stanford CS 007-07: Personal Finance for Engineers / Good Investing is BoringAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on November 7, 2017. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-05: Personal Finance for Engineers / Know Your WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-01 (2020): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 15, 2020. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Stanford CS 007-05 (2021): Personal Finance for Engineers / Assets & Net WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" taught on October 19, 2021. This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-08 (2018): Personal Finance for Engineers / Financial Plannin...Adam Nash
These are the slides from the 8th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 13, 2018. This seminar covers financial planning, financial goals, couples & life insurance.
Stanford CS 007-10 (2019): Personal Finance for Engineers / Additional TopicsAdam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in December 2019. This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Stanford CS 007-08 (2019): Personal Finance for Engineers / Financial Plannin...Adam Nash
These are the slides from the 8th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in November 2019. This seminar covers financial planning, financial goals, couples & life insurance.
Stanford CS 007-07 (2020): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on October 27, 2020. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-06 (2018): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Stanford CS 007-01 (2019): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 23, 2019. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Stanford CS 007-10 (2021): Personal Finance for Engineers / Additional Topics...Adam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on December 7, 2021. This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Stanford CS 007-05 (2018): Personal Finance for Engineers / Assets & Net WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-10 (2020): Personal Finance for Engineers / Additional Topics...Adam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in November 2020. This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Stanford CS 007-08 (2021): Personal Finance for Engineers / Financial Plannin...Adam Nash
These are the slides from the 8th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 16, 2021. This seminar covers financial planning, financial goals, couples & life insurance.
Stanford CS 007-2 (2020): Personal Finance for Engineers / Behavioral FinanceAdam Nash
These are the slides from the 2nd session of the Stanford University class, CS 007 "Personal Finance for Engineers," given on September 22, 2020. This seminar covers the topic of Behavioral Finance.
2009 Financial Advisor Presentation, this presentation is meant to help financial advisors. Helping Clients Navigate Today's Housing & Mortgage Market.
Stanford CS 007-07: Personal Finance for Engineers / Good Investing is BoringAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on November 7, 2017. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-05: Personal Finance for Engineers / Know Your WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-01 (2020): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 15, 2020. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Stanford CS 007-05 (2021): Personal Finance for Engineers / Assets & Net WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" taught on October 19, 2021. This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-08 (2018): Personal Finance for Engineers / Financial Plannin...Adam Nash
These are the slides from the 8th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 13, 2018. This seminar covers financial planning, financial goals, couples & life insurance.
Stanford CS 007-10 (2019): Personal Finance for Engineers / Additional TopicsAdam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in December 2019. This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Stanford CS 007-08 (2019): Personal Finance for Engineers / Financial Plannin...Adam Nash
These are the slides from the 8th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in November 2019. This seminar covers financial planning, financial goals, couples & life insurance.
Stanford CS 007-07 (2020): Personal Finance for Engineers / InvestingAdam Nash
These are the slides from the 7th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on October 27, 2020. This seminar covers compounding, types of investments, diversification, how to invest, and the four keys to good investing (all boring).
Stanford CS 007-06 (2018): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Stanford CS 007-01 (2019): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 23, 2019. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Stanford CS 007-10 (2021): Personal Finance for Engineers / Additional Topics...Adam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on December 7, 2021. This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Stanford CS 007-05 (2018): Personal Finance for Engineers / Assets & Net WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-10 (2020): Personal Finance for Engineers / Additional Topics...Adam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in November 2020. This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Stanford CS 007-08 (2021): Personal Finance for Engineers / Financial Plannin...Adam Nash
These are the slides from the 8th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 16, 2021. This seminar covers financial planning, financial goals, couples & life insurance.
Stanford CS 007-2 (2020): Personal Finance for Engineers / Behavioral FinanceAdam Nash
These are the slides from the 2nd session of the Stanford University class, CS 007 "Personal Finance for Engineers," given on September 22, 2020. This seminar covers the topic of Behavioral Finance.
2009 Financial Advisor Presentation, this presentation is meant to help financial advisors. Helping Clients Navigate Today's Housing & Mortgage Market.
Using Rent to Own as an Alternative Investment StrategyAspireREI
Do you have a property that just doesn't cashflow and you're looking for an alternative strategy? Perhaps you're looking for a shorter term investment with a more defined exit strategy?
Rent to Own (or Lease Options) could be a solution...
This month we will discuss some of the pros and cons of this type of investing along with some examples of how the numbers can work to produce some great deals!
There has been some negative press recently on this type of investment deal - which in some cases was totally justifiable. But done well and with integrity rent-to-own can truly produce some great opportunities for EVERYONE involved in a well-structured deal.
Learn how to do it the RIGHT way!
All the information you need to help you buy or sell a rent roll from due diligence to methods of appraising, contract clauses to the all important post transition.
Allowing Treasury to create Tax Credits to pay for land, then allowing negotiation of a land fee which is less than what the landowner is paying now to banks and on rates, will gradually take land out of the market place, cool the Auckland housing bubble and bring jobs back to the provinces
Learn how to qualify an investment property, deliberate whether or not to rent or sell, and hack your way into real estate financing in Onerent Owner Investment Network Event 1.
Learn more on how your can save thousands on property management at www.onerent.co/landlords
The value of your property will grow over time and may be extremely beneficial if well chosen. Not only will you benefit from steady capital growth and also through Investment property ,overseas,distressed property.
Stanford CS 007-03 (2022): Personal Finance for Engineers / CompensationAdam Nash
These are the slides from the 3rd session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on October 11, 2022. This seminar covers compensation, equity & comparing offers.
Stanford CS 007-02 (2022): Personal Finance for Engineers / Behavioral FinanceAdam Nash
These are the slides from the 2nd session of the Stanford University class, CS 007 "Personal Finance for Engineers," given on October 4, 2022. This seminar covers the topic of Behavioral Finance.
Stanford CS 007-01 (2022): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 27, 2022. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Stanford CS 007-06 (2021): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" on October 26, 2021. This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Stanford CS 007-04 (2021): Personal Finance for Engineers / Savings & BudgetsAdam Nash
These are the slides from the 4th session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on October 12, 2021. This seminar covers savings rates, income & expenses & budgeting.
Stanford CS 007-2 (2021): Personal Finance for Engineers / Behavioral FinanceAdam Nash
These are the slides from the 2nd session of the Stanford University class, CS 007 "Personal Finance for Engineers," given on September 28, 2021. This seminar covers the topic of Behavioral Finance.
Stanford CS 007-01 (2021): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 21, 2021. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Stanford CS 007-09 (2020): Personal Finance for Engineers / Real EstateAdam Nash
These are the slides from the 9th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered in November 2020. This seminar covers real estate and related financial decisions: buying, renting, rent vs. buy, real estate investment, rental properties & tax advantages.
Stanford CS 007-08 (2020): Personal Finance for Engineers / Financial Plannin...Adam Nash
These are the slides from the 8th session of the Stanford University class, CS 007 "Personal Finance for Engineers" offered on November 3, 2020. This seminar covers financial planning, financial goals, couples & life insurance.
Stanford CS 007-06 (2020): Personal Finance for Engineers / DebtAdam Nash
These are the slides from the 6th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on compounding, mortgages, auto loans, student loans, credit cards and credit scores.
Stanford CS 007-05 (2019): Personal Finance for Engineers / Assets & Net WorthAdam Nash
These are the slides from the 5th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar focuses on liquidity, emergency funds, assets & liabilities, and net worth.
Stanford CS 007-2 (2019): Personal Finance for Engineers / Behavioral FinanceAdam Nash
These are the slides from the 2nd session of the Stanford University class, CS 007 "Personal Finance for Engineers". This seminar covers the topic of Behavioral Finance.
Stanford CS 007-10 (2018): Personal Finance for Engineers / Additional TopicsAdam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
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Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
3. WHY DOES REAL ESTATE MATTER?
• People need a place to live
• The largest financial
commitment that most
households in the US make.
• It has a complicated & arcane
purchase process
• For many it is the largest
portion of their net worth.
• Significant portion of national
(and international) wealth.
5. WHY DO PEOPLE BUY (VS. RENT) REAL ESTATE?
• Need a place to live
• They are looking for control
over where they live for a
long period of time.
• They have an emotional
attachment to the idea of
owning a place to live.
• They believe it is a good
investment
6. HOW IS REAL ESTATE BOUGHT & SOLD?
• Typically a brokered transaction. US
standard is 6% of the sales price is
split between real estate agents.
• Average home takes 15 days to sell
as of July 2021, down from 35 in July
2020. (2019: 37, 2018: 35, 2017: 39)*
• Significant costs involved, for both
buyer & seller.
• Significant due diligence is required
by all parties.
• Heavily regulated process.
* https://www.redfin.com/blog/data-center
7. WHAT ARE THE IMMEDIATE COSTS FOR BUYERS?
• Down payment. Typically 20% of the
total purchase price. Otherwise, often
need mortgage insurance.
• Closing costs. Average of 2-5% closing
costs for buyers in the US ($3,700)*
* https://www.zillow.com/mortgage-learning/closing-costs/
Direct Costs
Implicit Costs
• Opportunity cost. There are alternate
uses for that capital, for example, in a
long-term diversified portfolio.
• Liquidity cost. Very difficult /
expensive to access that capital once
locked in.
8. WHAT ARE THE ONGOING COSTS FOR BUYERS?
• Property Tax. Varies by state / locality,
typically ~1% of property value per yr.
• Home Insurance. Average of ~$1000
per year in the US, varies with value of
the home.
• Mortgage. While some of the payment
is principal, interest is a significant
expense.
• Home Owners Association (HOA). If a
condo / community, a monthly payment
for common services that can rise
annually.
• Maintenance. Owners can easily spend
1% of the value of the house every year.
9. HOW DO YOU GET A MORTGAGE?
* https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/
• Most banks base mortgage qualification on
two factors.
• Do you have access to the down
payment? (assets)
• Will your income cover the expected
monthly expenses associated with a
house
(liabilities & income)
• Debt / income ratio of 43% is limit in the US for
a qualified mortgage (higher in some parts of
the country)
• Fixed vs. Adjustable Rate (ARM)
30-Year Fixed or 5/1 ARM
• Closing costs vs. interest rate
• 14 day period to shop to minimize impact to
credit score, which can be significant.
11. WHY DO PEOPLE RENT (VS. BUY) REAL ESTATE?
• Need a place to live
• They are looking for flexibility
in where they live.
• They have an emotional fear of
the idea of committing to a long
term location and/or large
financial commitment.
• They lack the financial
resources to purchase.
• Financial management of cash
flow is much simpler.
12. WHAT DO YOU NEED TO RENT REAL ESTATE?
• Find a landlord with a property that meets
your needs and is available for rent.
• Damage deposit, often equal to one
month’s rent.
• In some cases, 1-2 months rent up front.
• Landlords can require application process,
credit score, references, criminal records,
financials.
• Legal rights for tenants vary significantly
by state & locality.
• Landlords must apply application
standards uniformly without bias or
discrimination.
13. WHAT ARE THE MAJOR COSTS FOR RENTERS?
• Application Fee
• Security Deposit. Typically 1-2 months of
rent.
• First Month’s Rent.
• Moving Costs.
Immediate Costs
Ongoing Costs
• Utilities. Electricity, Gas, Water, Cable.
• Renters Insurance. ~$150 per year in US.
• Parking. In urban areas, there can be a
separate charge.
• Yard Maintenance.
• Rent increases. Can vary unpredictably.
15. BIG DECISION, STRONG EMOTIONS
• Significant non-financial considerations.
• High transaction costs mean purchasing
real estate is very risky over short
periods of time.
• Fixed location can significantly limit
career opportunities.
• Social connection of community &
schools significant.
• For most people, it’s the largest
investment in their lifetime.
• Some people have strong political
beliefs about renting vs. buying.
16. FINANCIAL BENEFITS OF RENTING
• Liquidity. Your capital is not tied up in a large
down payment, and you are not forced to make
large principal payments.
• Location Flexibility. You have significant
flexibility to move to a new location as needed.
• Diversification. Concentrating most of your
wealth in one asset has a number of
concentrated risks.
• Avoid Geographical Market Risk. Buying a home
in Silicon Valley turned out great in the past 50
years. Detroit didn’t. Hard to predict the future.
• Maintenance. Most costs tied to the ownership
of the property are pushed to the owner. No
need to plan for large expenses (e.g. new roof)
• Competitive Market. In most cases, rents move
with wage inflation. Ideally, you have competition
between landlords in terms of quality & price.
17. FINANCIAL BENEFITS OF OWNING
• Leveraged Investment. Most of the investment
is made with an inexpensive loan, with leverage
of 5x (or more). Gains accrue to the owner, not
the bank.
• Tax Advantages. Mortgage interest & property
taxes are deductible. Capital improvements are
included in the cost basis of the home.
• Long term investment. Real estate has, on
average, had a positive return above inflation
with relatively low volatility compared to other
asset classes.
• Financial Control. Owners can control what
investments they make in the property, and at
what price, to increase long term return. (e.g.
remodel a kitchen)
• Optional Additional Income. In many cases,
there is a long term option to rent the property.
Rental income rises with inflation.
18. RENT VS. BUY: EXAMPLE (MONTHLY COSTS)
• Rent: $5,235 / mo
• Renter’s Ins: $400 / mo
• Purchase Price: $1.1M
• Down Payment: $220K
• Mortgage: $880K @ 3.5%
• Marginal Tax Rate: 40%
RENT
BUY
2 BEDROOM APARTMENT IN MOUNTAIN VIEW 2017 (1140 SQ FT)
* Mortgage interest is based off the first month’s payment, and will decrease every month.
NOTE: DEDUCTIBILITY OF MORTGAGE
INTEREST & PROPERTY TAX MATTERS
19. RENT VS. BUY: EXAMPLE (LONG TERM VALUE)
• Opportunity Cost. Need to example
what your return would have been on
down payment if invested separately.
• Long Term Costs. There are significant
investments that must be made
periodically.
• Transaction Costs. Selling the property
typically has costs of 6-8%.
• Mortgage Drop Off. Paid over time,
potential interest rate risk if you don’t
get a 30 year loan.
• Capital Gain. Need to project likely
sale price, which has significant
uncertainty.
* https://www.zillow.com/palo-alto-ca/home-values/
NO ONE SHOULD EXPECT PALO ALTO REAL ESTATE TO BE THE NORM
😳
20. WHY DOES REAL ESTATE CREATE WEALTH FOR MOST PEOPLE?
• Forced savings
• Down payment is locked away, cannot
easily be spent.
• Principal payments in mortgage are a form
of forced savings.
• Both amounts are significant relative to
most buyers income.
• Leveraged Investment. Most of the investment
is made with an inexpensive loan, with leverage
of 5x (or more). Gains accrue to the owner, not
the bank.
• Positive long term investment. Over the past 7
decades, real estate has had a positive return
over inflation.
• Long time frames. The holding period for most
investors is fairly short. People own homes for
longer periods, on average, giving more time for
value to compound.
22. REAL ESTATE
• Real estate is a combination of
land & facilities that occupy
that land.
• Investment real estate typically
excludes your primary
residence.
• Returns based both on rental
income & capital appreciation.
• Real Estate Investment Trusts
(REITs) trade on the public
markets.
23. COMMON WAYS TO INVEST
• With over 100 years of data,
price trends on different asset
classes are fairly clear.
• Real return is return net of
inflation, which measures how
money devalues over time. (in
this chart, dollars)
• Stocks have the highest
annualized return over long time
periods, but also higher volatility.
• … but are US Home Prices the
best metric for real estate?
* http://www.econlib.org/library/Enc/StockMarket.html
24. HISTORY OF REAL ESTATE VS. OTHER ASSET CLASSES
• Still significant debate in financial community,
based on different time periods, geographies &
sub-sectors of real estate.
• Return is based on both capital appreciation
and value from rent.
• Based on recent paper (still actively debated),
global real estate seems to have offered real
returns comparable to equities, with lower
volatility. US numbers appear lower than
equities, but above bills & bonds.
• REITs seem to confirm this, as 1970-2015 return
from US REITs is comparable to US Equities
(less tax efficient, however)
• Remember: averages don’t necessarily
describe what any single investment will do!
https://www.frbsf.org/economic-research/files/wp2017-25.pdf
https://www.investopedia.com/ask/answers/060415/what-average-annual-return-typical-long-term-investment-real-estate-sector.asp
25. REAL RETURN OF EQUITIES VS. HOUSING (BY DECADE)
https://www.frbsf.org/economic-research/files/wp2017-25.pdf
26. RISK / RETURN OF EQUITIES VS. HOUSING
https://www.frbsf.org/economic-research/files/wp2017-25.pdf
28. WHAT IS A RENTAL PROPERTY?
• Any property owned with
the purpose of leasing to a
tenant for income.
• Wide variety of units,
ranging from single family
homes to apartments.
• Can be residential or
commercial properties.
29. FINANCIAL DETAILS FOR RENTAL PROPERTIES
• Purchasing a rental property is
similar to purchasing a property for
occupancy.
• Mortgage qualification is different,
and typically results in higher rates.
• Tax treatment is more like a business
(depreciation, income, expenses)
• Capitalization Rate: Rate of return
of income vs. market value
cap rate = income / market value
30. WHY DO PEOPLE LOVE RENTAL PROPERTIES?
• People are often very emotional about the
benefits of owning rental properties.
• Most fixed costs for real estate are up front, while
rental income grows with inflation over time.
• The process of paying off the mortgage can leave
an asset that generates inflation-adjusted income.
• It typically evolves organically from owning
property.
• Most people have direct experience with both the
costs of ownership & the process of renting.
• Many people feel like it is more transparent &
tangible vs. financial assets / markets.
• It has some of the psychological benefits (and
costs) of owning your own business.
31. PROBLEMS WITH RENTAL PROPERTIES
• Time. This is another job. Unpredictable &
significant commitment at times.
• Cash flow. Very easy to make an
investment that will be profitable long
term, but cash flow negative in short term.
• Occupancy. Vacancy can be expensive &
unpredictable.
• People. Managing ongoing relationship
with tenants, finding new tenants, etc.
• Legal Issues. Significant regulations &
requirements around tenant rights.
Eviction can be extremely difficult &
expensive.