This document provides the syllabus for a Personal Finance course at Rutgers University. The key details include:
- The course covers topics like financial planning, banking, credit, investing, and retirement planning to help students develop important money management skills.
- Students' grades will be based on exams, assignments analyzing financial tools and products, and a group case study presentation.
- The goal is for students to gain knowledge and confidence to take control of their financial futures and make wise personal financial decisions.
Inflation Causes, Impacts, Mitigation Strategies, and BenefitsBarbara O'Neill
60-minute webinar for AFCPE on 05/11/23 that discusses the causes and impacts of inflation and several dozen strategies to mitigate the effects of higer prices on household budgets.
Income Tax Issues for Older Adults-02-23-UPDATED.pptxBarbara O'Neill
This document provides information about taxes and retirement planning for older adults in 2023. It discusses the standard deduction amounts for single and married filers both under and over age 65. It also summarizes the required minimum distribution percentages that must be withdrawn from retirement accounts each year starting at age 72, and how those percentages increase with the account owner's age. Lastly, it mentions the increased contribution limits for employer retirement plans and IRAs for those over age 50.
Barbara O'Neill has over 40 years of experience in personal finance education and research. She holds a Ph.D. in resource management and family economics and has authored or co-authored seven books. As an Extension Specialist at Rutgers University, she developed numerous personal finance programs and educational resources. She has received many awards for her contributions to the field and has held leadership roles in major professional associations.
This document provides strategies for older adults to fight inflation, including reducing spending on groceries, eating out, gas, utilities, clothing, and big ticket items. It recommends saving and investing strategies like laddering fixed income securities and considering I bonds, fixed annuities, and high yield savings accounts. Positive aspects of inflation include Social Security COLAs and the impact of inflation on debtors. The document outlines additional lifelines for all ages, like government benefits, and for older adults, like reverse mortgages and working in later life. It concludes by emphasizing developing an individual inflation-fighting plan through small, consistent habits.
This document discusses common sources of retirement income for farm families. It lists seven main sources: 1) Social Security, 2) income from off-farm jobs like pensions or retirement plans, 3) rental income from land/buildings/equipment, 4) individual retirement accounts, 5) simplified employee pensions for self-employed individuals, 6) investment income, and 7) continued income from the farm like crop/animal payments or agritourism. It also promotes an online course on later life farming from Rutgers Cooperative Extension.
The document lists entries for a cookie contest divided into 4 categories: Children Under 7 had 4 entries, Children 7-12 had 5 entries, Teens 13-18 had 3 entries, and Adults 19+ had 12 entries. The document organized the entries by category and included the age of some entrants.
This document provides the syllabus for a Personal Finance course at Rutgers University. The key details include:
- The course covers topics like financial planning, banking, credit, investing, and retirement planning to help students develop important money management skills.
- Students' grades will be based on exams, assignments analyzing financial tools and products, and a group case study presentation.
- The goal is for students to gain knowledge and confidence to take control of their financial futures and make wise personal financial decisions.
Inflation Causes, Impacts, Mitigation Strategies, and BenefitsBarbara O'Neill
60-minute webinar for AFCPE on 05/11/23 that discusses the causes and impacts of inflation and several dozen strategies to mitigate the effects of higer prices on household budgets.
Income Tax Issues for Older Adults-02-23-UPDATED.pptxBarbara O'Neill
This document provides information about taxes and retirement planning for older adults in 2023. It discusses the standard deduction amounts for single and married filers both under and over age 65. It also summarizes the required minimum distribution percentages that must be withdrawn from retirement accounts each year starting at age 72, and how those percentages increase with the account owner's age. Lastly, it mentions the increased contribution limits for employer retirement plans and IRAs for those over age 50.
Barbara O'Neill has over 40 years of experience in personal finance education and research. She holds a Ph.D. in resource management and family economics and has authored or co-authored seven books. As an Extension Specialist at Rutgers University, she developed numerous personal finance programs and educational resources. She has received many awards for her contributions to the field and has held leadership roles in major professional associations.
This document provides strategies for older adults to fight inflation, including reducing spending on groceries, eating out, gas, utilities, clothing, and big ticket items. It recommends saving and investing strategies like laddering fixed income securities and considering I bonds, fixed annuities, and high yield savings accounts. Positive aspects of inflation include Social Security COLAs and the impact of inflation on debtors. The document outlines additional lifelines for all ages, like government benefits, and for older adults, like reverse mortgages and working in later life. It concludes by emphasizing developing an individual inflation-fighting plan through small, consistent habits.
This document discusses common sources of retirement income for farm families. It lists seven main sources: 1) Social Security, 2) income from off-farm jobs like pensions or retirement plans, 3) rental income from land/buildings/equipment, 4) individual retirement accounts, 5) simplified employee pensions for self-employed individuals, 6) investment income, and 7) continued income from the farm like crop/animal payments or agritourism. It also promotes an online course on later life farming from Rutgers Cooperative Extension.
The document lists entries for a cookie contest divided into 4 categories: Children Under 7 had 4 entries, Children 7-12 had 5 entries, Teens 13-18 had 3 entries, and Adults 19+ had 12 entries. The document organized the entries by category and included the age of some entrants.
This document provides a resource list on personal finance topics in 2022, including inflation, interest rates, savings, housing, taxes, credit, student loans, and cars. It summarizes over 30 articles from sources like The Wall Street Journal, Federal Reserve, IRS, and CFPB on these issues. The articles discuss rising inflation, gas and food prices, the Federal Reserve raising interest rates, declining home sales as mortgage rates increase, student loan forgiveness programs, and high used car prices.
This document provides a resource list on personal finance topics in 2022, including inflation, interest rates, savings, housing, taxes, credit, student loans, and cars. It summarizes over 30 articles from sources like The Wall Street Journal, Federal Reserve, IRS, and CFPB on these issues. The articles discuss rising inflation, gas and food prices, the Federal Reserve raising interest rates several times to combat inflation, slowing housing market activity due to high mortgage rates, tax filing statistics and credits, medical debt reporting changes, student loan forgiveness programs and lawsuits, and decreasing used car prices after prior spikes.
Income Tax Issues for Older Adults-MTP-02-22.pdfBarbara O'Neill
This document discusses income tax issues that are especially relevant for older adults. It covers 13 tax topics, including required minimum distributions from retirement accounts that must begin at age 72, the increased standard deduction for those aged 65 and older, taxation of Social Security benefits, catch-up contribution limits for those over 50, and the elimination of early withdrawal penalties for retirement funds after age 59.5. It provides examples and explanations for each topic to help older adults understand and plan for their unique tax situations.
Beyond legal documents, there are 12 additional planning strategies that can help ensure a "good ending" for someone at the end of their life. These strategies include simplifying assets, creating a financial notebook, compiling digital and beneficiary asset inventories, writing letters of instruction, planning end-of-life communications, and considering lifetime gifts. Taking steps like these can provide peace of mind for the individual and make the tasks of executors and family less difficult during a stressful time. The presentation provides templates and examples for implementing many of the suggested strategies.
Give Yourself a Financial Check-Up-Older Adult VersionBarbara O'Neill
This document provides various financial check-up tools and methods for assessing an individual's financial health, with a focus on tools for older adults. It outlines 25 different check-ups across several categories, including financial statements, financial planning, investments, later life planning, personal characteristics, and assessment/comparison tools. For each check-up, worksheets and calculation examples are provided. The goal is to help individuals evaluate their financial strengths and weaknesses and identify areas for improvement.
Five Tips to Flip Your Retirement Switch-06-22.pdfBarbara O'Neill
This document outlines five tips for adjusting one's spending and finances in retirement. It discusses flipping the switch from saving to spending by stepping outside one's comfort zone with spending and automating savings withdrawals. It also addresses creating a steady income stream through withdrawal plans, adjusting to changes in income by potentially working, spending less, or tapping home equity, managing income taxes strategically, and ramping up philanthropy in retirement.
Dr. Barbara O'Neill discusses leveraging LinkedIn for career advancement and professional development. She shares that maintaining an active LinkedIn profile with regular posts, 500+ connections, engaging with others, and adding visuals can help professionals build their personal brand and be visible to recruiters. LinkedIn is important as both a job searching and information sharing tool for professionals.
Digital Assets Inventory Presentation-BMO-04-22.pdfBarbara O'Neill
This document discusses how to inventory and protect your digital assets. It defines digital assets as any personal information stored electronically, and notes that the average American has 25 logins and $55,000 worth of digital assets. It recommends creating a detailed digital asset inventory, determining goals for your digital assets, considering revisions to estate planning documents, and regularly reviewing your inventory. Key steps include identifying asset categories, using a password manager, and designating a digital executor to access accounts after death.
Creating Attractive Graphics for Documents and Social Media discusses various types of graphics that can be used, including stock images, personal photos, hand drawings, grayed out images, Canva graphics, PowerPoint images, Bitmojis, photo collages, charts and infographics, GIFs, and memes. It provides tips for using each type, such as using Pixabay for free stock images, graying out images in PowerPoint for a soft effect, and using apps like PicCollage or websites like Giphy to make collages and find GIFs. The document encourages selecting a few new visual types to try based on one's needs and interests.
The document describes 35 useful personal finance websites organized by topic such as calculating investments, checking credit reports, learning about taxes, and monitoring accounts. It provides the URL for each site and a brief one sentence description. Additional resources from meeting participants are requested at the end. Common reasons people visit financial websites are also outlined, such as doing calculations, learning about topics, and following respected leaders. Features of good sites mentioned are being mobile friendly, having intuitive designs, and including financial literacy resources.
Social Media 101 Twitter-Facebook-LinkedIn-02-22Barbara O'Neill
This document provides an overview of popular social media platforms like Twitter, Facebook, and LinkedIn. It discusses why social media is widely used, with statistics about the large number of users on platforms like Facebook. The document then gives guidance on setting up profiles on each platform and using features like posts, messages, and notifications. It emphasizes developing a social media "game plan" and discusses strategies for effective engagement and growing connections.
Money Talk-What Women Need to Know About MoneyBarbara O'Neill
This document provides an overview of a presentation on personal finance topics for women. It discusses why financial education is especially important for women, who on average earn less and live longer than men. The presentation covers cash flow and budgeting, calculating net worth, smart borrowing practices, insurance basics, investing fundamentals like risk tolerance and asset allocation, retirement planning steps, and choosing financial professionals. The goal is to help women gain more financial knowledge and confidence to better manage their money situations.
The document summarizes key financial trends from 2021 in the United States. It discusses labor shortages leading to wage increases, supply chain issues causing inflation, record high vehicle and home prices, changes to the child tax credit and unemployment benefits, rising stock markets and cryptocurrency values, and efforts to improve financial education.
The document lists the entries for the Carney Clan Cookie Contest under three categories: Adults, Children, and Children (continued). There are 13 adults and 16 children entered in the contest across the three categories. The entries include the contestant's name and age where relevant.
This document provides tips for flipping switches related to retirement finances and lifestyle. It discusses five financial switches: spending down savings, creating a paycheck, adjusting to changes in income, managing income taxes, and ramping up philanthropy. It also discusses three lifestyle switches: answering the "what do you do?" question, changing time orientation, and changing one's mindset from invincible to vulnerable. The document aims to help retirees adjust their habits and mindsets to successfully transition to retirement.
This presentation provides 17 success strategies for solopreneurs, or sole owners of private practices. Some key facts about solopreneurs are that they have no employees, must purchase their own supplies and handle insurance/taxes, and often get work through personal connections instead of advertising. The 17 strategies include: showing up at events and online; invoicing for work at deliverable stages; understanding your client's funder; defining your niche; saying no to bad fit assignments; and setting fair fees.
1. The document provides 10 tips for personal finance and succession planning for farms. It discusses holding family conversations, contacting advisors, establishing retirement accounts, setting goals, updating financial statements, diversifying investments, "bucketing" retirement savings, purchasing insurance, and checking resources from Rutgers Cooperative Extension.
2. Key recommendations include discussing succession planning options with family, preparing legal documents, contributing to retirement accounts like IRAs, setting SMART financial goals, annually reviewing finances, diversifying investments based on age and risk tolerance, and ensuring adequate property and liability insurance is in place.
3. Resources from Rutgers Cooperative Extension are referenced that provide worksheets and guides on topics like spending, net worth, benef
Annie's Project Personal Finance in Succession Planning OutlineBarbara O'Neill
This document outlines 10 steps for personal finance succession planning: 1) Hold family conversations about succession options. 2) Contact financial and legal advisors to discuss estate planning strategies and prepare documents. 3) Establish personal retirement savings accounts like IRAs and 401(k)s from multiple income sources. 4) Set SMART goals with specific dates and dollar amounts. 5) Annually update cash flow and net worth statements. 6) Diversify investments based on age, risk tolerance, and experience. 7) Separate retirement savings into buckets for short, medium, and long-term needs. 8) Purchase adequate insurance like Medicare supplements and long-term care. 9) Check resources on personal finance planning. 10) Review materials
This document provides a resource list on personal finance topics in 2022, including inflation, interest rates, savings, housing, taxes, credit, student loans, and cars. It summarizes over 30 articles from sources like The Wall Street Journal, Federal Reserve, IRS, and CFPB on these issues. The articles discuss rising inflation, gas and food prices, the Federal Reserve raising interest rates, declining home sales as mortgage rates increase, student loan forgiveness programs, and high used car prices.
This document provides a resource list on personal finance topics in 2022, including inflation, interest rates, savings, housing, taxes, credit, student loans, and cars. It summarizes over 30 articles from sources like The Wall Street Journal, Federal Reserve, IRS, and CFPB on these issues. The articles discuss rising inflation, gas and food prices, the Federal Reserve raising interest rates several times to combat inflation, slowing housing market activity due to high mortgage rates, tax filing statistics and credits, medical debt reporting changes, student loan forgiveness programs and lawsuits, and decreasing used car prices after prior spikes.
Income Tax Issues for Older Adults-MTP-02-22.pdfBarbara O'Neill
This document discusses income tax issues that are especially relevant for older adults. It covers 13 tax topics, including required minimum distributions from retirement accounts that must begin at age 72, the increased standard deduction for those aged 65 and older, taxation of Social Security benefits, catch-up contribution limits for those over 50, and the elimination of early withdrawal penalties for retirement funds after age 59.5. It provides examples and explanations for each topic to help older adults understand and plan for their unique tax situations.
Beyond legal documents, there are 12 additional planning strategies that can help ensure a "good ending" for someone at the end of their life. These strategies include simplifying assets, creating a financial notebook, compiling digital and beneficiary asset inventories, writing letters of instruction, planning end-of-life communications, and considering lifetime gifts. Taking steps like these can provide peace of mind for the individual and make the tasks of executors and family less difficult during a stressful time. The presentation provides templates and examples for implementing many of the suggested strategies.
Give Yourself a Financial Check-Up-Older Adult VersionBarbara O'Neill
This document provides various financial check-up tools and methods for assessing an individual's financial health, with a focus on tools for older adults. It outlines 25 different check-ups across several categories, including financial statements, financial planning, investments, later life planning, personal characteristics, and assessment/comparison tools. For each check-up, worksheets and calculation examples are provided. The goal is to help individuals evaluate their financial strengths and weaknesses and identify areas for improvement.
Five Tips to Flip Your Retirement Switch-06-22.pdfBarbara O'Neill
This document outlines five tips for adjusting one's spending and finances in retirement. It discusses flipping the switch from saving to spending by stepping outside one's comfort zone with spending and automating savings withdrawals. It also addresses creating a steady income stream through withdrawal plans, adjusting to changes in income by potentially working, spending less, or tapping home equity, managing income taxes strategically, and ramping up philanthropy in retirement.
Dr. Barbara O'Neill discusses leveraging LinkedIn for career advancement and professional development. She shares that maintaining an active LinkedIn profile with regular posts, 500+ connections, engaging with others, and adding visuals can help professionals build their personal brand and be visible to recruiters. LinkedIn is important as both a job searching and information sharing tool for professionals.
Digital Assets Inventory Presentation-BMO-04-22.pdfBarbara O'Neill
This document discusses how to inventory and protect your digital assets. It defines digital assets as any personal information stored electronically, and notes that the average American has 25 logins and $55,000 worth of digital assets. It recommends creating a detailed digital asset inventory, determining goals for your digital assets, considering revisions to estate planning documents, and regularly reviewing your inventory. Key steps include identifying asset categories, using a password manager, and designating a digital executor to access accounts after death.
Creating Attractive Graphics for Documents and Social Media discusses various types of graphics that can be used, including stock images, personal photos, hand drawings, grayed out images, Canva graphics, PowerPoint images, Bitmojis, photo collages, charts and infographics, GIFs, and memes. It provides tips for using each type, such as using Pixabay for free stock images, graying out images in PowerPoint for a soft effect, and using apps like PicCollage or websites like Giphy to make collages and find GIFs. The document encourages selecting a few new visual types to try based on one's needs and interests.
The document describes 35 useful personal finance websites organized by topic such as calculating investments, checking credit reports, learning about taxes, and monitoring accounts. It provides the URL for each site and a brief one sentence description. Additional resources from meeting participants are requested at the end. Common reasons people visit financial websites are also outlined, such as doing calculations, learning about topics, and following respected leaders. Features of good sites mentioned are being mobile friendly, having intuitive designs, and including financial literacy resources.
Social Media 101 Twitter-Facebook-LinkedIn-02-22Barbara O'Neill
This document provides an overview of popular social media platforms like Twitter, Facebook, and LinkedIn. It discusses why social media is widely used, with statistics about the large number of users on platforms like Facebook. The document then gives guidance on setting up profiles on each platform and using features like posts, messages, and notifications. It emphasizes developing a social media "game plan" and discusses strategies for effective engagement and growing connections.
Money Talk-What Women Need to Know About MoneyBarbara O'Neill
This document provides an overview of a presentation on personal finance topics for women. It discusses why financial education is especially important for women, who on average earn less and live longer than men. The presentation covers cash flow and budgeting, calculating net worth, smart borrowing practices, insurance basics, investing fundamentals like risk tolerance and asset allocation, retirement planning steps, and choosing financial professionals. The goal is to help women gain more financial knowledge and confidence to better manage their money situations.
The document summarizes key financial trends from 2021 in the United States. It discusses labor shortages leading to wage increases, supply chain issues causing inflation, record high vehicle and home prices, changes to the child tax credit and unemployment benefits, rising stock markets and cryptocurrency values, and efforts to improve financial education.
The document lists the entries for the Carney Clan Cookie Contest under three categories: Adults, Children, and Children (continued). There are 13 adults and 16 children entered in the contest across the three categories. The entries include the contestant's name and age where relevant.
This document provides tips for flipping switches related to retirement finances and lifestyle. It discusses five financial switches: spending down savings, creating a paycheck, adjusting to changes in income, managing income taxes, and ramping up philanthropy. It also discusses three lifestyle switches: answering the "what do you do?" question, changing time orientation, and changing one's mindset from invincible to vulnerable. The document aims to help retirees adjust their habits and mindsets to successfully transition to retirement.
This presentation provides 17 success strategies for solopreneurs, or sole owners of private practices. Some key facts about solopreneurs are that they have no employees, must purchase their own supplies and handle insurance/taxes, and often get work through personal connections instead of advertising. The 17 strategies include: showing up at events and online; invoicing for work at deliverable stages; understanding your client's funder; defining your niche; saying no to bad fit assignments; and setting fair fees.
1. The document provides 10 tips for personal finance and succession planning for farms. It discusses holding family conversations, contacting advisors, establishing retirement accounts, setting goals, updating financial statements, diversifying investments, "bucketing" retirement savings, purchasing insurance, and checking resources from Rutgers Cooperative Extension.
2. Key recommendations include discussing succession planning options with family, preparing legal documents, contributing to retirement accounts like IRAs, setting SMART financial goals, annually reviewing finances, diversifying investments based on age and risk tolerance, and ensuring adequate property and liability insurance is in place.
3. Resources from Rutgers Cooperative Extension are referenced that provide worksheets and guides on topics like spending, net worth, benef
Annie's Project Personal Finance in Succession Planning OutlineBarbara O'Neill
This document outlines 10 steps for personal finance succession planning: 1) Hold family conversations about succession options. 2) Contact financial and legal advisors to discuss estate planning strategies and prepare documents. 3) Establish personal retirement savings accounts like IRAs and 401(k)s from multiple income sources. 4) Set SMART goals with specific dates and dollar amounts. 5) Annually update cash flow and net worth statements. 6) Diversify investments based on age, risk tolerance, and experience. 7) Separate retirement savings into buckets for short, medium, and long-term needs. 8) Purchase adequate insurance like Medicare supplements and long-term care. 9) Check resources on personal finance planning. 10) Review materials
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
South Dakota State University degree offer diploma Transcriptynfqplhm
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Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...Donc Test
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx