The document discusses how to build resources through investing. It explains that wages have decreased as a percentage of the economy, resulting in less income for workers. Therefore, the first step is to build resources. It then discusses how investment accounts work, with the goal of investment returns exceeding expenses to achieve independence. Finally, it shows how much of one's income would need to be invested at different rates to replace that income within a certain number of years.
Norman talked about the funding gap in emerging Europe and the potential poverty trap many entrepreneurs can find themselves in. Angello Capital Partners target SMEs and is already investing in businesses in Moldova.
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This webinar, "Tax-Efficient Investing: Comparing The Results" was the second of a four-part series with Advisors4Advisors.com on tax-efficient Investing.
You can view the on-demand webinar replay and receive CFP and IMCA CE credit at http://bit.ly/taxefficient2
Kreischer miller Architecture/Engingeering Industry Seminar - October 10, 2012Kreischer Miller
A timely update for architectural and engineering firms on the National Compensation Matrix, benchmarking, tax issues, mechanics' lien rights, and inbound marketing.
Norman talked about the funding gap in emerging Europe and the potential poverty trap many entrepreneurs can find themselves in. Angello Capital Partners target SMEs and is already investing in businesses in Moldova.
Tax-Efficient Investing: Comparing The Results (Part 2 of Tax-Efficient Inves...Robert Keebler
This webinar, "Tax-Efficient Investing: Comparing The Results" was the second of a four-part series with Advisors4Advisors.com on tax-efficient Investing.
You can view the on-demand webinar replay and receive CFP and IMCA CE credit at http://bit.ly/taxefficient2
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A timely update for architectural and engineering firms on the National Compensation Matrix, benchmarking, tax issues, mechanics' lien rights, and inbound marketing.
OWASP Top 10 vs Drupal - OWASP Benelux 2012ZIONSECURITY
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During this presentation we will discuss the findings of an automated static code analysis of Drupal 6 and Drupal 7 and how Drupal protects against the OWASP Top 10 Application Security Risks. We will explain the security weaknesses that remain when you use Drupal and what you can implement to have a secure cloud server running Drupal.
Palvelujen työnantajat PALTAn ensimmäinen suhdannekatsaus julkistettiin 18.2.2013. Katsauksen luvut ja laskelmat perustuvat 14.2.2013 tilanteeseen. PALTA julkaisee suhdannekatsauksensa neljä kertaa vuodessa.
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OWASP Top 10 vs Drupal - OWASP Benelux 2012ZIONSECURITY
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Abstract: Drupal is the most used and well-known open source content management system in the world. Created by Dries Buytaert years ago it has grown with the support of a big community. Drupal 7 is already released and there is an entire ecosystem for Drupal and Drupal web agencies.
During this presentation we will discuss the findings of an automated static code analysis of Drupal 6 and Drupal 7 and how Drupal protects against the OWASP Top 10 Application Security Risks. We will explain the security weaknesses that remain when you use Drupal and what you can implement to have a secure cloud server running Drupal.
Palvelujen työnantajat PALTAn ensimmäinen suhdannekatsaus julkistettiin 18.2.2013. Katsauksen luvut ja laskelmat perustuvat 14.2.2013 tilanteeseen. PALTA julkaisee suhdannekatsauksensa neljä kertaa vuodessa.
Palvelualojen työnantajat PALTAn suhdannekatsaus 1/2013 julkistettiin 21.5.2013. Katsauksen luvut perustuvat 15.5.2013 tilanteeseen. PALTA julkaisee suhdannekatsauksia neljä kertaa vuodessa.
Slides from the 9/28/2011 FPA webinar "Build Your Own Pension." With the decline of pensions, clients will look to their own accounts to provide predictable retirement income. We show how advisors can create pension-like income using institutional liability driven investing (LDI) strategies.
Asit C Mehta Investment Interrmediates brings to you the reasons to save your money. Save for a better & secure future. “Getting Rich is not a function of investing a lot of money; it is a result of investing regularly for long periods of time.”
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Fixed Capital Evaluation To Improve Business Growth Powerpoint Presentation S...SlideTeam
Fixed capital is required to purchase the assets for production purposes and a long duration and not for selling purposes such as for purchasing land and buildings, furniture and fixtures, and machinery and plant. The objective of this deck is to assess the requirements and performance of fixed assets in our company, understand the need for fixed capital investment, and evaluate the need for expansion, development programs and affect equipment replacement. We have covered the current situation analysis wherein current challenges faced by our company, fixed asset turnover ratio for the past 10 years, calculation of depreciation on fixed assets are analyzed The presentation also focuses on the need for fixed capital evaluation in a company such as collateral security, financial reports and audits, and capital budgeting. Factors affecting the requirement of fixed capital in our company are also focused such as the nature of the business, the scale of operation, production technique, technology up gradation, growth prospects, diversification, etc. This slide focuses on the sources of fixed capital such as owners resources, issue of shares, issue of right shares, private placement of shares, issue of debentures, term loans, retained earnings, lease financing, etc. Techniques considered to evaluate fixed capital are discussed here such as net present value, internal rate of return, payback period, and best investment measure techniques are used. The deck also covers the implementation plan, impact of fixed capital evaluation, fixed asset management software, and fixed asset dashboards. https://bit.ly/3tp6sTn
Ok.I want to build resources for myself and to help others. How should I do that?
Many people rely on jobs to grow security for themselves and giving to others. But because of technology, we need less and less labor to produce all the goods and services people will buy. Down Arrow for trend. And we have been paying less for labor (as a percent of Gross Domestic Product) for decades.
But Capital invested in a portfolio of stocks has done very well for decades. Arrow to show trend Better than bonds or money in a bank. Owning bonds is like you being a bank and loaning directly to businesses. Not loaning to the bank so THEY get their cut. Owning a diversified portfolio of shares in companies around the world historically has done better than loaning money to those companies. Those firms would not borrow unless they expect the money to help build their company value faster than the interest cost THEY pay. That is why the equity lines rise faster (though with more volatility).
A traditional investment account can help you become financially secure. It works by growing the cash investments you make through investment returns. And what is stored in the available funds can be used today or later to pay expenses. Wealthy people do this. They live on investment returns from their capital (and invest more when they can), rather than live on wages. Remember the earned or wage income we saw is declining in importance to the economy?
Adding a checking account with Bill Pay can integrate wealth management with daily finances. You can pay bills directly from the checking account. The investment funds can serve as a personal endowment to cover some portion of your bills. It is best to set a “budget” to be covered by investments as some percentage of the assets in the investment account (say 5 % per year). This is so we can expect the account (and budget) to grow over time, but pay some of your bills so you see progress on meeting goals. (Animation to illustrate growth) Charities we work with call this a Working Endowment. But you too can gradually endow payment of more and more of your budget this way. It helps a lot, and is motivating to visibly measure and manage progress on meeting your financial goals.
Raising insurance deductibles (lower premium) is one place to get money to start or expand investing. Do that justafter or while paying down debt. This also adds permanently to investment cash flow (whenever not drawing insurance payments, but you will be building resources for this when needed). Remember, Insurance Companies are in it to make money. 1ht tp://moneywatch.bnet.com/saving-money/article/7-insurance-myths-that-can-cost-you/3461842 http://www.carinsurance.com/state/Texas-car-insurance.aspx3 http://www.insuranceagents.com/average-costs.html4 http://www.ahipresearch.org/PDFs/StateData/StateDataTexas.pdf
How much do I need to save, for how many years, to become “independently wealthy”. These numbers are approximate and have assumptions. Your return may be different. Think about your annual income. If you save $ one tenth of that each year and earn 10 % returns, you could replace your income in about 26 years. And become independent of that income. So, live on some amount less than your income, and save the difference. Then you will at least be making some progress.
Ok.I want to build resources for myself and to help others. How should I do that?