Are you looking for personal finance investing? Learn best Money Investing Ideas & 401k Investing Strategy. Learn investing carefully.
https://millennialmoneyminute.com/category/investing-carefully/
This is the first half of a presentation I gave at Pace University Law School's Program: New Directions: Practical Skills for Returning to Law Practice
http://web.pace.edu/page.cfm?doc_id=29130
Andrew has been helping high net individuals with financial planning since 1996. In his career he has been named one of the top 100 financial planners in the United States and he is a 4 Year Winner from Five Star Professionals.
Estimated tax penalty usually applies when a taxpayer pays too little of their total tax during the year. Each year, around 10 million taxpayers face an estimated tax penalty. Log on http://www.etservicesva.com/
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Smart money september october_2103_issue_singles_perOliver Taylor
Financial adviser client newsletters
Client-facing personalised newsletters are an exceptional and proven vehicle for strengthening relationships with clients. There has never been a more important time, especially during this current economic climate, for professional financial advisers to consider the benefits of using a newsletter to communicate with their clients or professional connections.
Client retention and the loss of hard-earned clients
In these post-RDR times, one of the biggest concerns facing many professional financial advisers is client retention and the loss of hard-earned clients to another competitor. To ensure that this doesn't happen to your business, our advice is that you need to do everything possible to stay engaged with your clients and keep reminding them about why they chose you in the first place.
You don't have to waste your valuable time
Goldmine Media do everything for you, so you don't have to waste your valuable time and effort putting your own newsletter together. We take care of the editorial and imagery selection, right through to the print and delivery to you, and can even post each copy directly to your clients with a covering marketing letter in a high-grade polywrap.
Personal finance subjects presented in a clear and engaging way
Our carefully designed newsletters feature your business name, logo (photograph if required), contact details and regulatory statement, and we present even the most complex of personal finance subjects to your clients in a clear and engaging way.
Newsletters are printed on superior-quality paper and are a perfect time-saving marketing channel that will enable professional financial advisers to deliver increased revenues for their business.
Are you looking for personal finance investing? Learn best Money Investing Ideas & 401k Investing Strategy. Learn investing carefully.
https://millennialmoneyminute.com/category/investing-carefully/
This is the first half of a presentation I gave at Pace University Law School's Program: New Directions: Practical Skills for Returning to Law Practice
http://web.pace.edu/page.cfm?doc_id=29130
Andrew has been helping high net individuals with financial planning since 1996. In his career he has been named one of the top 100 financial planners in the United States and he is a 4 Year Winner from Five Star Professionals.
Estimated tax penalty usually applies when a taxpayer pays too little of their total tax during the year. Each year, around 10 million taxpayers face an estimated tax penalty. Log on http://www.etservicesva.com/
It’s a Money Thing is a collection of effective and affordable financial education content designed to engage and teach young adults while setting your credit union apart. These presentations and other elements are all customizable with your credit union's logo. Check out Currency Marketing at currencymarketing.ca/money-thing for more information.
Smart money september october_2103_issue_singles_perOliver Taylor
Financial adviser client newsletters
Client-facing personalised newsletters are an exceptional and proven vehicle for strengthening relationships with clients. There has never been a more important time, especially during this current economic climate, for professional financial advisers to consider the benefits of using a newsletter to communicate with their clients or professional connections.
Client retention and the loss of hard-earned clients
In these post-RDR times, one of the biggest concerns facing many professional financial advisers is client retention and the loss of hard-earned clients to another competitor. To ensure that this doesn't happen to your business, our advice is that you need to do everything possible to stay engaged with your clients and keep reminding them about why they chose you in the first place.
You don't have to waste your valuable time
Goldmine Media do everything for you, so you don't have to waste your valuable time and effort putting your own newsletter together. We take care of the editorial and imagery selection, right through to the print and delivery to you, and can even post each copy directly to your clients with a covering marketing letter in a high-grade polywrap.
Personal finance subjects presented in a clear and engaging way
Our carefully designed newsletters feature your business name, logo (photograph if required), contact details and regulatory statement, and we present even the most complex of personal finance subjects to your clients in a clear and engaging way.
Newsletters are printed on superior-quality paper and are a perfect time-saving marketing channel that will enable professional financial advisers to deliver increased revenues for their business.
Presented at the 2012 ARC Word Industry forum in Orlando, FL. I participated in a panel on social media and gave this presentation, which presents 10 ways businesses can avoid social media failure.
See the notes below for each slide.
Next Generation Media Quarterly - April 2010dentsu
This is the third in a series of presentations using statistics and stories to show how the media world is evolving from day to day.
Written by Dan Calladine, Head of Media Futures, Carat Global Management
dan.calladine[at]carat.com
www.carat.com
www.vizeum.com
www.isobar.com
www.aemedia.com
When thieves strike: Executive briefing on SWIFT attacksSangram Gayal
Executive briefing on the significance of SWIFT attacks and countermeasures. http://www.pwc.in/assets/pdfs/consulting/cyber-security/thought-leadership/when-thieves-strike-executive-briefing.pdf
2016 tax review hints and changes, including PEASE and PEP Limitation, Alternative Minimum Tax (AMT), donations of appreciated capital gain property, qualified charitable distributions, ELOI contracts, net investment income tax (NIIT), Kiddie Tax rates and qualifications, family limited partnerships, tax reform, and the "death tax" provided by a certified CPA.
Most small businesses are losing thousands of dollars by making expensive tax mistakes. Make sure you're setting up your business correctly and are using the right deductions and expenses. Call us at (214) 600-8609 with any tax questions. Serving small business in the greater Dallas, TX area with tax planning and preparation.
Another tax year has started and, as always in the world of tax, nothing stays the same. There are a number of methods of
extracting funds from your own limited company and in this Briefing we consider the main options for extracting profit.
Accountants, are you ready for the US?
In the United States, the fiscal powers of taxation is based on three levels: federal, state and municipal. The federal income tax, in particular, is a pay-as-you-go tax.
From November 7 to 10, the Italian accountants will stay in New York city, on a mission in the US. We went to look around the contents by the IRS (Inland Revenue Service) in the field of “Tax Withholding and Estimated Tax”, for use in 2016.
The federal income tax is a pay-as-you-go tax. You must pay the tax as you earn or receive income during the year. There are two ways to pay-as-you-go: Tax Withholding and Estimated Tax.
This powerpoint training is the slides from the webinar I did on the taxing of social security and is placed on our training site.
If you want more training on annuities, selling or building your book of business visit us at www.7figuresalestools.com
What is a Franking Credit and How Does it Impact Your Tax Return_.pptxtaxlyai
Franking credits, also known as imputation credits, are a unique feature of the Australian tax system designed to prevent double taxation of company profits when distributed as dividends to shareholders. Originally published at https://taxly.ai/tax-returns/what-is-a-franking-credit-and-how-does-it-impact-your-tax-return/#Types_of_Franking_Credits_in_Australia
Honest Reviews of Tim Han LMA Course Program.pptxtimhan337
Personal development courses are widely available today, with each one promising life-changing outcomes. Tim Han’s Life Mastery Achievers (LMA) Course has drawn a lot of interest. In addition to offering my frank assessment of Success Insider’s LMA Course, this piece examines the course’s effects via a variety of Tim Han LMA course reviews and Success Insider comments.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
2. 2 Strategies Tax deductions Income splitting Income timing Negative gearing Franked dividends Superannuation Interest offset
3. 3 StrategiesTax deductions ATO gives guidelines at www.ato.gov.au… Individuals … Deductions Checklist It is now very difficult to get any! Main tax deductions are: Bank fees Self-education expenses Transport and motor vehicle expenses while at work Accounting fees for preparation of tax return Depreciation on home computer used for work purposes It’s usually better to try to get your employer to reimburse you for the full amount!!
4. 4 StrategiesTax deductions for shop assistants Repayments of shortfalls from the register that you reimburse your employer—but not if the shortfall is reimbursed by someone else. Special coats, dustcoats, overalls, aprons, and protective safety boots—but not conventional clothing and footwear such as shirts, trousers, sports shoes and joggers. Retailers Association education expenses for traineeships; chemist naturopathy course. Macworld or similar magazines for a shop assistant in a computer store.
5. 5 Discussion John has a salary of $80,000 and his wife, Jenny, is working part-time as they raise children (salary $15,000). Who should own the couple’s $20,000 savings account? John, Jenny or Joint? Who should own the couple’s negatively geared investment property?
6. 6 StrategiesIncome splitting For people who are married or in long-term defacto relationship. Generally used when one spouse is at home looking after children while other is doing paid work. Worker’s taxable income is $60,000 Carer’s taxable income is $0 All savings and investments should be placed under carer’s name to take advantage of $6000 tax free threshold! Self-employed or family businesses use this as well. Carer works as book-keeper in return for legitimate salary.
7. 7 StrategiesIncome timing Income is usually taxed when it is paid(not necessarily when it is earned). Sometimes you have a choice when to be paid (eg a bonus or payment for contract work). If you expect to earn more money next financial year then get paid before June 30. If you expect to earn less money next year then get paid after July 1.
8. 8 StrategiesNegative gearing When the costs of an investment (deductions) exceed the assessable income from the investment. Usually from borrowing money to invest in property or shares. Main assessable income is rental income or dividends. Main allowable deduction is the interest on the loan. Can also claim property expenses and depreciation on fixtures. If investment’s assessable income < allowable deductions… then it DECREASES your overall taxable income! However!! No point getting tax deductions on a dud investment The goal is to maximise after-tax returns NOT minimise tax!!! Geared investments magnify possible returns AND losses!
9. 9 StrategiesFranked dividends Most governments “double dip” with taxation! Companies pay tax on their profits (30% tax) Dividends are paid to shareholders out of the after-tax profits Individuals pay tax on their dividends (up to 46.5% tax). Australia has stopped this through “franked dividends” A fully-franked dividend consists of a cash payment and also some “franking credits” (tax credits). Government refunds any corporate tax paid by the company to the individual shareholder as tax rebate.
10. 10 Add the total of the cash amount plus the franking credits to your assessable income. Corporate tax rate is currently 30% so for fully-franked dividends: Assessable income = cash dividend / 0.7 Franking credit = assessable income – cash dividend Calculate income tax. Deduct the “franking credits” from your total tax payable. The net result is that the government refunds any company tax that the company has paid. For example, if your marginal tax rate is 45% then you effectively pay an extra 15% + ML on your dividends.
11. 11 Dividends example You receive a cash dividend of $700 Dividend notice advises “franking credits” are $300 You report your income as $700 + $300 = $1000 Even though you only received $700 in cash! Calculate tax at your marginal rate (say 41.5%) = $415 Report the “franking credit” as a tax rebate on tax return You receive a tax rebate of $300 You only pay an extra $115 in tax Total tax received by government is $300 in corporate tax plus $115 in personal income tax = $415 = 41.5% tax
12. 12 StrategiesSuperannuation Any money salary sacrificed into your superannuation is a tax deduction. For example:Salary $60,000 + 9% employer super$60,000 is normally assessable incomeIf salary sacrifice another $5,000 thentaxable income = $60,000 - $5,000 = $55,000total contributions = $5400 (employer) + 5000 Salary sacrifice taxed at just 15%, NOT 30% or more
13. 13 StrategiesInterest offset accounts Normally any interest in your savings account is assessable income. In a mortgage-offset account, your savings account balance is “off-set” against your home mortgage. Any savings are used to reduce the principle of the loan (your loan amount). As such, you don’t really earn interest (you just pay less interest). Good way to reduce tax. However, interest rates on offset accounts are higher than variable rates. Do the tax savings usually outweigh the added interest costs????
14. 14 StrategiesBeware of … Complex personal finances Added accounting and financial planning fees Increased personal time Increased “switching costs” to change structure Decreased happiness because of time and hassle Adequate records You must keep detailed records of deductions for 5 years. Stay away from investment tax schemes!!!