1. The document outlines a wealth accumulation model showing how assets can grow from a current age to a retirement age with investments returning 5% annually.
2. It notes that the key risks that could derail this plan are premature death, critical illness, or total permanent disability.
3. Financial planning can help manage these risks to ensure one's goals of financial independence by retirement are achieved.
This document provides information about financial coaching to help build a solid financial foundation and become truly rich. It discusses developing good financial habits like paying yourself first, managing debts, increasing your cash flow, and protecting yourself through insurance. It also covers financial literacy topics like inflation, compound interest, and investing for retirement. The overall message is that with the right knowledge and discipline, anyone can take control of their finances and achieve their dreams and goals.
This document discusses financial planning and how it can help individuals achieve their goals. Financial planning involves defining short and long term goals, assessing current finances and commitments, deciding future objectives, identifying strategies, implementing and monitoring a plan. It helps manage income, assets, investments, debts and loans over one's lifetime as their needs and priorities change. Major life events like marriage, children, retirement, illness or death require financial preparation. Financial planners can help clients manage their entire financial universe through portfolio creation, cash flow management, tax planning, risk management, and estate planning tailored to their life stage and needs.
Financial Planning for Youth
A simple, easy to understand guide for youngsters to learn how to manage their money and create wealth.
This presentation sheds light on the factors that are critical to a healthy financial management over one's lifetime. It will further take you through the fundamentals of planning - be it investment planning, risk management, tax and contingency planning or planning for your retirement.
Financial planning involves identifying an individual's financial needs and goals over time and developing a strategy to meet those needs and goals. The key objectives of financial planning are to identify monetary requirements, prioritize financial needs, assess one's current financial position, plan savings and investments to achieve goals, and optimize returns through diversification. Systematic investment plans (SIPs) allow regular investing of small amounts in mutual funds and are an effective way to benefit from rupee cost averaging and the power of compounding returns over the long term. Insurance provides protection from life's uncertainties and ensures one's dependents are provided for in times of need.
This monthly newsletter provides an overview of:
• Mutual fund industry vital signs (asset growth, sales and performance);
• Product development highlights for the month;
• Interesting facts about our industry.
The document outlines 11 steps for financial discipline: 1) Spend less than you earn through small cuts, 2) Create and stick to a budget to track spending and savings goals, 3) Contribute to a retirement plan for a relaxed old age, 4) Save 5-10% of salary each month by eliminating discretionary spending, 5) Do not finance purchases for longer than the item's useful life, 6) Consider buying used items to save money, 7) Diversify investments across different areas, 8) Invest wisely and avoid schemes promising high returns with little risk, 9) Teach children the value and proper use of money, 10) Start saving now for children's education to prevent future stress, and 11
IMG is an independent marketing company that offers a broad array of financial services and products through affiliated companies. Its mission is to help families achieve their financial goals and revolutionize the financial services industry with a fresh approach. The company aims to empower people by changing them from spenders and savers to entrepreneurs, investors, and deliver a financial wake-up call. IMG offers a total financial solution including financial literacy programs, direct access to financial services companies, and investment and business opportunities to build passive income for retirement.
The document provides an overview of financial planning concepts including budgeting, risk management, savings, debt reduction, wealth accumulation through investing, and tax strategies. It discusses establishing budgets with categories for living expenses, wealth accumulation, and discretionary spending. It also covers types of insurance, savings goals, debt repayment priorities, asset allocation, tax advantages of different account types, and strategies for college and retirement savings. Key things for investors to avoid are high fees, tax inefficiency, excessive conservatism, lack of diversification, and emotional reactions. The top five traits of successful clients are listed as good budgeting, a clear financial vision and goals, generosity, openness to coaching, and incorporating rewards into the financial plan.
This document provides information about financial coaching to help build a solid financial foundation and become truly rich. It discusses developing good financial habits like paying yourself first, managing debts, increasing your cash flow, and protecting yourself through insurance. It also covers financial literacy topics like inflation, compound interest, and investing for retirement. The overall message is that with the right knowledge and discipline, anyone can take control of their finances and achieve their dreams and goals.
This document discusses financial planning and how it can help individuals achieve their goals. Financial planning involves defining short and long term goals, assessing current finances and commitments, deciding future objectives, identifying strategies, implementing and monitoring a plan. It helps manage income, assets, investments, debts and loans over one's lifetime as their needs and priorities change. Major life events like marriage, children, retirement, illness or death require financial preparation. Financial planners can help clients manage their entire financial universe through portfolio creation, cash flow management, tax planning, risk management, and estate planning tailored to their life stage and needs.
Financial Planning for Youth
A simple, easy to understand guide for youngsters to learn how to manage their money and create wealth.
This presentation sheds light on the factors that are critical to a healthy financial management over one's lifetime. It will further take you through the fundamentals of planning - be it investment planning, risk management, tax and contingency planning or planning for your retirement.
Financial planning involves identifying an individual's financial needs and goals over time and developing a strategy to meet those needs and goals. The key objectives of financial planning are to identify monetary requirements, prioritize financial needs, assess one's current financial position, plan savings and investments to achieve goals, and optimize returns through diversification. Systematic investment plans (SIPs) allow regular investing of small amounts in mutual funds and are an effective way to benefit from rupee cost averaging and the power of compounding returns over the long term. Insurance provides protection from life's uncertainties and ensures one's dependents are provided for in times of need.
This monthly newsletter provides an overview of:
• Mutual fund industry vital signs (asset growth, sales and performance);
• Product development highlights for the month;
• Interesting facts about our industry.
The document outlines 11 steps for financial discipline: 1) Spend less than you earn through small cuts, 2) Create and stick to a budget to track spending and savings goals, 3) Contribute to a retirement plan for a relaxed old age, 4) Save 5-10% of salary each month by eliminating discretionary spending, 5) Do not finance purchases for longer than the item's useful life, 6) Consider buying used items to save money, 7) Diversify investments across different areas, 8) Invest wisely and avoid schemes promising high returns with little risk, 9) Teach children the value and proper use of money, 10) Start saving now for children's education to prevent future stress, and 11
IMG is an independent marketing company that offers a broad array of financial services and products through affiliated companies. Its mission is to help families achieve their financial goals and revolutionize the financial services industry with a fresh approach. The company aims to empower people by changing them from spenders and savers to entrepreneurs, investors, and deliver a financial wake-up call. IMG offers a total financial solution including financial literacy programs, direct access to financial services companies, and investment and business opportunities to build passive income for retirement.
The document provides an overview of financial planning concepts including budgeting, risk management, savings, debt reduction, wealth accumulation through investing, and tax strategies. It discusses establishing budgets with categories for living expenses, wealth accumulation, and discretionary spending. It also covers types of insurance, savings goals, debt repayment priorities, asset allocation, tax advantages of different account types, and strategies for college and retirement savings. Key things for investors to avoid are high fees, tax inefficiency, excessive conservatism, lack of diversification, and emotional reactions. The top five traits of successful clients are listed as good budgeting, a clear financial vision and goals, generosity, openness to coaching, and incorporating rewards into the financial plan.
Planning for retirement is important for doctors to ensure financial security after stopping work. Key considerations include age and lifestyle goals. Sources of retirement income may include insurance, social security, employer pensions, personal savings, investments, part-time work, and businesses. Developing an investment strategy involves determining financial needs, allocating assets across fixed income, equities, mutual funds, and ensuring sufficient liquidity and diversification of income sources. Proper retirement planning and investment allows doctors to maintain their standard of living and enjoy retirement.
The document outlines the key components of developing a personal financial plan in 6 steps:
1) Establish financial goals like buying a car, home, or saving for retirement.
2) Consider your current financial position and skills.
3) Identify alternative plans to achieve goals either conservatively or aggressively.
4) Select and implement the best plan.
5) Evaluate your financial plan and progress regularly using financial statements.
6) Revise your financial plan as your situation and goals change.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
Creating Personal Wealth Nine principlesManusMoolman
The document outlines 9 principles for creating personal wealth:
1. Develop a purpose and life goals to guide financial planning and strategy.
2. Maintain a positive mindset and view obstacles as opportunities.
3. Determine clear financial missions, goals, and objectives in writing.
4. Increase knowledge of financial concepts like investing, inflation, and taxes.
Financial planning is the process of managing finances to meet life goals like buying a home or saving for retirement. It involves insurance, investment, tax, retirement, and estate planning. Financial planning is important due to factors like inflation, rising life expectancy, and uncertainty. Insurance planning helps minimize risks to assets and income from early death, disability, or other factors. Investment planning involves evaluating risk tolerance, allocating assets appropriately among short, medium, and long-term holdings, and accumulating wealth through systematic investing and regular portfolio reviews.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
America faces a financial literacy crisis, as evidenced by rising unsecured debt levels and credit card misuse. Two-thirds of households will likely fail to achieve their life goals due to financial illiteracy. Financial literacy involves understanding key areas like money management, spending, savings, and risk to achieve long-term goals like homebuying, retirement, and unexpected life events. Lifelong learning is needed to maintain financial literacy.
This document outlines topics that will be covered in a financial planning course, including how to plan an investment portfolio, understand assets and liabilities, ensure adequate insurance coverage, learn about different asset classes and risk appetite, plan for post-retirement income and children's education, relate investments to goals, and achieve financial peace and happiness. It also discusses concepts like the new economy, goal setting, overcoming challenges, and inverting the savings equation from expenses-focused to savings-focused.
The document discusses starting financial planning today to take control of your money and make it work for you. It introduces World Financial Group as dedicated to serving individuals who are often overlooked. WFG believes financial strategies should be available to all, not just the wealthy. They work with industry leaders to provide a broad array of financial products and services so clients can choose what best fits their needs. The document emphasizes the importance of cash flow management, proper protection, debt management, and asset accumulation and preservation to achieve financial independence.
1) The personal financial planning process involves 5 steps: evaluating your current financial health, defining goals, developing a plan of action, implementing the plan, and reviewing/revising the plan over time.
2) Financial goals should be specific, assign a cost, and have a target date. Goals can be short, intermediate, or long-term and help motivate sticking to the financial plan.
3) Developing a plan requires determining actions needed to achieve goals like cutting expenses, increasing income through career choices, starting to save and invest, and ensuring flexibility, liquidity, and protection from unexpected costs.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
This document provides an overview of Mr. XYZ's financial plan. It analyzes his current assets of Rs. 1.19 crores in fixed assets and Rs. 40 lacs in financial assets against total liabilities of Rs. 27.5 lacs, giving a current net worth of Rs. 1.32 crores. It then breaks down his annual income sources, expenses, savings and cash flows. Based on a risk assessment, it recommends an aggressive asset allocation of 70% in equities, 20% in debt and 10% in cash. Finally, it analyzes his financial goals for education, marriage, retirement and vacations, and provides suggestions to meet these goals through insurance plans and investment strategies.
Financial planning involves making funds available from current resources to meet future needs. It encompasses risk, estate, tax, investment, retirement, and savings (RETIReS). Financial planning aims to maximize returns while maintaining liquidity and safety of funds. It cannot prevent unforeseen circumstances but can provide financial support. Financial planning needs vary throughout one's lifecycle from being a learner, earner, partner, parent, provider, and retiree. At each stage, different financial priorities and needs exist. Life insurance can be an integrated part of financial planning by helping to create, protect, and accumulate assets at different life stages. The basic objective of financial planning is to allow a comfortable retirement without compromising lifestyle.
K.Gandhi Present
Financial Literacy through Financial Planning and knowledge Coaching through Seminars And Article
Financial Literacy in India is very low
People invested there Harden money through mediators like Agents, Brokers , Banker’s Cross sell or Advt. world like T.V.,News paper, tips or own understanding through on line search, past track records etc.. etc.. Due to lack of time.
But when it realizes on later half then its too much late. To avoid this kind of situations with there harden money or trial and error method needs financial planning and update with financial literacy.
The document discusses the challenges many people in North America will face in the future regarding retirement. These challenges include an uncertain job market due to automation, low savings and high debt, high education costs, and pressure on government retirement programs from budget deficits. It argues that taking control of personal finances by saving money, managing debt, and properly protecting oneself can help build a strong financial foundation to better handle these challenges. It promotes World Financial Group as providing education and assistance to help people take control of their finances.
A financial plan is a personalized comprehensive strategy for accomplishing financial goals. It identifies a person's current financial position and sets short, medium, and long term goals while accounting for variables like inflation. A plan determines an appropriate asset allocation between stocks, bonds, and cash based on risk tolerance and includes purchasing appropriate insurance. It also establishes rules for investing and schedules for monitoring financial circumstances. Developing a financial plan leads to twice as much savings as not having a plan.
The document provides guidance on developing an effective personal financial plan. It discusses understanding the role of financial planning in achieving personal goals, the requirements of a personal financial plan including deciding goals, evaluating current financial health, defining goals, developing an action plan, and revising the plan over time. It also covers understanding what you want to accomplish in life and principles for effective goal setting such as making goals specific, measurable, achievable, realistic and time-bound.
A financial plan is a personalized strategy for achieving financial goals by first identifying one's current financial position and then setting short, medium, and long term goals while accounting for variables like inflation. A plan also determines an appropriate asset allocation between stocks, bonds and cash based on risk tolerance, and includes purchasing appropriate insurance, evaluating investments, and monitoring finances over time to stay on track. Developing a financial plan can help investors have twice as much in savings and investments than those without a plan.
This document provides an overview of establishing an investment program and personal financial planning. It discusses assessing current financial conditions through a personal balance sheet and income statement. It also covers establishing financial and investment goals, factors like return, risk and taxes, and providing liquidity. Specific investment goals are quantified. Historical data on incomes, taxes and home costs from 1960-2002 are presented. The power of compound interest is discussed through examples. Risks and red flags for various industries are also outlined. Steps for managing personal finances like establishing goals, saving, insurance, taxes and investing are presented.
The document discusses retirement planning and provides guidance on estimating retirement costs and investment options. It notes that people should plan early for retirement as the corpus needed is significant. Monthly retirement expenses of Rs. 20,000-80,000 would require investments of Rs. 483572-1934288 today at 8% return to last 30 years in retirement. Investment avenues discussed include PPF, SIPs, debt funds, annuity plans, and senior citizen savings schemes. Proper planning is necessary to ensure funds are available to live comfortably after stopping work.
The document discusses the history and evolution of audio formats and data compression technologies. It describes early phonograph cylinders that could play for about 2 minutes, the introduction of vinyl records which dominated the 20th century music industry, the development of electrical recording using microphones and amplifiers, and the rise of tape formats like cassettes and 8-tracks. It then explains the advantages of compact discs over vinyl in terms of size and playback time as well as the introduction of mp3 audio compression which reduced file sizes but also audio quality compared to uncompressed CD formats.
Este documento proporciona una lista y breve descripción de varios tipos y ángulos de planos utilizados en la filmación, incluyendo planos generales, planos americanos, planos medios, primeros planos y planos de detalle. También describe conceptos como reglas de los tercios, simetría, ritmo, líneas, texturas, armonía, contraste y equilibrio de masas.
Stacey Brocklebank is producing a media campaign for a client to raise awareness of school nursing services. After conducting research on the target audience and testing mockups, Stacey selected a "Lock and Key" campaign centered around confidentiality. The campaign includes a poster, app, magazine, leaflets, and other materials promoting the nurse's services. It stays within budget at £4,259.64 and aims to overcome barriers like students' lack of knowledge about confidentiality through colorful, engaging design.
Planning for retirement is important for doctors to ensure financial security after stopping work. Key considerations include age and lifestyle goals. Sources of retirement income may include insurance, social security, employer pensions, personal savings, investments, part-time work, and businesses. Developing an investment strategy involves determining financial needs, allocating assets across fixed income, equities, mutual funds, and ensuring sufficient liquidity and diversification of income sources. Proper retirement planning and investment allows doctors to maintain their standard of living and enjoy retirement.
The document outlines the key components of developing a personal financial plan in 6 steps:
1) Establish financial goals like buying a car, home, or saving for retirement.
2) Consider your current financial position and skills.
3) Identify alternative plans to achieve goals either conservatively or aggressively.
4) Select and implement the best plan.
5) Evaluate your financial plan and progress regularly using financial statements.
6) Revise your financial plan as your situation and goals change.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
Creating Personal Wealth Nine principlesManusMoolman
The document outlines 9 principles for creating personal wealth:
1. Develop a purpose and life goals to guide financial planning and strategy.
2. Maintain a positive mindset and view obstacles as opportunities.
3. Determine clear financial missions, goals, and objectives in writing.
4. Increase knowledge of financial concepts like investing, inflation, and taxes.
Financial planning is the process of managing finances to meet life goals like buying a home or saving for retirement. It involves insurance, investment, tax, retirement, and estate planning. Financial planning is important due to factors like inflation, rising life expectancy, and uncertainty. Insurance planning helps minimize risks to assets and income from early death, disability, or other factors. Investment planning involves evaluating risk tolerance, allocating assets appropriately among short, medium, and long-term holdings, and accumulating wealth through systematic investing and regular portfolio reviews.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
America faces a financial literacy crisis, as evidenced by rising unsecured debt levels and credit card misuse. Two-thirds of households will likely fail to achieve their life goals due to financial illiteracy. Financial literacy involves understanding key areas like money management, spending, savings, and risk to achieve long-term goals like homebuying, retirement, and unexpected life events. Lifelong learning is needed to maintain financial literacy.
This document outlines topics that will be covered in a financial planning course, including how to plan an investment portfolio, understand assets and liabilities, ensure adequate insurance coverage, learn about different asset classes and risk appetite, plan for post-retirement income and children's education, relate investments to goals, and achieve financial peace and happiness. It also discusses concepts like the new economy, goal setting, overcoming challenges, and inverting the savings equation from expenses-focused to savings-focused.
The document discusses starting financial planning today to take control of your money and make it work for you. It introduces World Financial Group as dedicated to serving individuals who are often overlooked. WFG believes financial strategies should be available to all, not just the wealthy. They work with industry leaders to provide a broad array of financial products and services so clients can choose what best fits their needs. The document emphasizes the importance of cash flow management, proper protection, debt management, and asset accumulation and preservation to achieve financial independence.
1) The personal financial planning process involves 5 steps: evaluating your current financial health, defining goals, developing a plan of action, implementing the plan, and reviewing/revising the plan over time.
2) Financial goals should be specific, assign a cost, and have a target date. Goals can be short, intermediate, or long-term and help motivate sticking to the financial plan.
3) Developing a plan requires determining actions needed to achieve goals like cutting expenses, increasing income through career choices, starting to save and invest, and ensuring flexibility, liquidity, and protection from unexpected costs.
A simple and revolutionary financial plan report that does something simple.Abhinay Gupta
This document provides an overview of Mr. XYZ's financial plan. It analyzes his current assets of Rs. 1.19 crores in fixed assets and Rs. 40 lacs in financial assets against total liabilities of Rs. 27.5 lacs, giving a current net worth of Rs. 1.32 crores. It then breaks down his annual income sources, expenses, savings and cash flows. Based on a risk assessment, it recommends an aggressive asset allocation of 70% in equities, 20% in debt and 10% in cash. Finally, it analyzes his financial goals for education, marriage, retirement and vacations, and provides suggestions to meet these goals through insurance plans and investment strategies.
Financial planning involves making funds available from current resources to meet future needs. It encompasses risk, estate, tax, investment, retirement, and savings (RETIReS). Financial planning aims to maximize returns while maintaining liquidity and safety of funds. It cannot prevent unforeseen circumstances but can provide financial support. Financial planning needs vary throughout one's lifecycle from being a learner, earner, partner, parent, provider, and retiree. At each stage, different financial priorities and needs exist. Life insurance can be an integrated part of financial planning by helping to create, protect, and accumulate assets at different life stages. The basic objective of financial planning is to allow a comfortable retirement without compromising lifestyle.
K.Gandhi Present
Financial Literacy through Financial Planning and knowledge Coaching through Seminars And Article
Financial Literacy in India is very low
People invested there Harden money through mediators like Agents, Brokers , Banker’s Cross sell or Advt. world like T.V.,News paper, tips or own understanding through on line search, past track records etc.. etc.. Due to lack of time.
But when it realizes on later half then its too much late. To avoid this kind of situations with there harden money or trial and error method needs financial planning and update with financial literacy.
The document discusses the challenges many people in North America will face in the future regarding retirement. These challenges include an uncertain job market due to automation, low savings and high debt, high education costs, and pressure on government retirement programs from budget deficits. It argues that taking control of personal finances by saving money, managing debt, and properly protecting oneself can help build a strong financial foundation to better handle these challenges. It promotes World Financial Group as providing education and assistance to help people take control of their finances.
A financial plan is a personalized comprehensive strategy for accomplishing financial goals. It identifies a person's current financial position and sets short, medium, and long term goals while accounting for variables like inflation. A plan determines an appropriate asset allocation between stocks, bonds, and cash based on risk tolerance and includes purchasing appropriate insurance. It also establishes rules for investing and schedules for monitoring financial circumstances. Developing a financial plan leads to twice as much savings as not having a plan.
The document provides guidance on developing an effective personal financial plan. It discusses understanding the role of financial planning in achieving personal goals, the requirements of a personal financial plan including deciding goals, evaluating current financial health, defining goals, developing an action plan, and revising the plan over time. It also covers understanding what you want to accomplish in life and principles for effective goal setting such as making goals specific, measurable, achievable, realistic and time-bound.
A financial plan is a personalized strategy for achieving financial goals by first identifying one's current financial position and then setting short, medium, and long term goals while accounting for variables like inflation. A plan also determines an appropriate asset allocation between stocks, bonds and cash based on risk tolerance, and includes purchasing appropriate insurance, evaluating investments, and monitoring finances over time to stay on track. Developing a financial plan can help investors have twice as much in savings and investments than those without a plan.
This document provides an overview of establishing an investment program and personal financial planning. It discusses assessing current financial conditions through a personal balance sheet and income statement. It also covers establishing financial and investment goals, factors like return, risk and taxes, and providing liquidity. Specific investment goals are quantified. Historical data on incomes, taxes and home costs from 1960-2002 are presented. The power of compound interest is discussed through examples. Risks and red flags for various industries are also outlined. Steps for managing personal finances like establishing goals, saving, insurance, taxes and investing are presented.
The document discusses retirement planning and provides guidance on estimating retirement costs and investment options. It notes that people should plan early for retirement as the corpus needed is significant. Monthly retirement expenses of Rs. 20,000-80,000 would require investments of Rs. 483572-1934288 today at 8% return to last 30 years in retirement. Investment avenues discussed include PPF, SIPs, debt funds, annuity plans, and senior citizen savings schemes. Proper planning is necessary to ensure funds are available to live comfortably after stopping work.
The document discusses the history and evolution of audio formats and data compression technologies. It describes early phonograph cylinders that could play for about 2 minutes, the introduction of vinyl records which dominated the 20th century music industry, the development of electrical recording using microphones and amplifiers, and the rise of tape formats like cassettes and 8-tracks. It then explains the advantages of compact discs over vinyl in terms of size and playback time as well as the introduction of mp3 audio compression which reduced file sizes but also audio quality compared to uncompressed CD formats.
Este documento proporciona una lista y breve descripción de varios tipos y ángulos de planos utilizados en la filmación, incluyendo planos generales, planos americanos, planos medios, primeros planos y planos de detalle. También describe conceptos como reglas de los tercios, simetría, ritmo, líneas, texturas, armonía, contraste y equilibrio de masas.
Stacey Brocklebank is producing a media campaign for a client to raise awareness of school nursing services. After conducting research on the target audience and testing mockups, Stacey selected a "Lock and Key" campaign centered around confidentiality. The campaign includes a poster, app, magazine, leaflets, and other materials promoting the nurse's services. It stays within budget at £4,259.64 and aims to overcome barriers like students' lack of knowledge about confidentiality through colorful, engaging design.
This document defines and explains deferred tax liabilities. Deferred tax liabilities are tax obligations that a company owes but does not pay currently due to differences between accounting and tax practices. This results in the company having a taxable income that differs from its income before taxes. Deferred tax liabilities are recorded as liabilities on a company's balance sheet to accurately reflect its complete financial situation. High deferred tax liabilities can indicate unusual accounting practices and cause concern.
An intranet is a private computer network within an organization that uses internet technologies to securely share the organization's information and systems. Intranets allow organizations to communicate and collaborate internally through tools like employee newsletters, project information, policies and procedures, and more. The main benefits of intranets are strengthened internal communication, faster sharing of information, and hosting unlimited internal resources. Potential downsides include expense of large intranets and inability to access resources remotely.
This document discusses how CRM (customer relationship management) systems can help companies improve sales and customer relationships. It provides examples of how CRM allows companies to better understand customer data and needs, customize production based on orders, and assign salespeople to specific customer portfolios to strengthen relationships. CRM integration provides real-time sales information to optimize production scheduling and ensure the right products are available.
Castlebrook is an interior fitout company specializing in luxury hotel and apartment interiors. They have extensive experience completing high-end projects on time and on budget. Castlebrook provides turnkey solutions including design, procurement, project management, construction and installation. They work with top international designers and have a strong reputation among hotel groups and owners.
El documento resume los avances en tecnología educativa en los últimos 4 años y proyecta los próximos 4 años. En los últimos años se ha pasado de un modelo centrado en el profesor a uno centrado en el estudiante con el uso de materiales educativos y tecnología. El documento también describe proyectos actuales de la UNED como CREASE que usa análisis formal de conceptos para recuperar recursos educativos y agrupar estudiantes, y su participación en el proyecto GO-LAB sobre laboratorios virtuales. Finalmente, propone metodolog
This document contains two sections, D. Burks photos and E. Smith Photos, which appear to be listings of photos taken by those two photographers. No other details are provided about the subject matter or contents of the photos.
The digestive system consists of the mouth, esophagus, stomach, small intestine and large intestine. Food passes through these organs where muscles squeeze and break up food while digestive juices containing enzymes break down molecules. Cellulose, a type of dietary fiber, is not broken down as humans lack the enzyme to digest it. Hormones and nerves control the secretion of digestive juices from exocrine glands like the stomach and pancreas in response to food. Digestive enzymes remain attached to cells lining the small intestine so products of digestion can be immediately absorbed. Pepsinogen and trypsinogen are secreted as inactive enzymes and activated once in the stomach and small intestine, respectively.
This communication audit examines communication within an Army recruiting battalion located across multiple states in the Pacific Northwest. The battalion has a headquarters staff and is divided into companies located at various stations. The audit utilized observations, focus groups, surveys, and interviews to analyze internal communication between staff and companies, external communication, and training communication. The results found that while communication between staff sections and companies was generally good, communication had broken down between commander's intent and the station level. The audit concludes with recommendations to improve communication areas.
Os principais deuses egípcios incluíam Rá, o deus do sol; Ísis, a deusa da maternidade e magia; e Amon, o deus supremo que era representado como um homem com cabeça de carneiro.
Las tabletas electrónicas son dispositivos móviles que funcionan con sistemas operativos como Android e iOS. Permiten navegar por Internet, leer libros y revistas digitales, ver videos, escuchar música, jugar y descargar aplicaciones. Son más ligeras y delgadas que las computadoras portátiles, lo que las hace muy cómodas para llevar a cualquier parte.
The document describes the use of various new media technologies during the research, planning, construction, and evaluation stages of creating a horror film teaser trailer, poster, and magazine cover. Google, IMDb, Empire magazine, Total Film, YouTube, and Wikipedia were used for initial research. Word, Blogger, and a digital camera were used in the planning stage. iMovie, InDesign, Photoshop, and a camera were used for construction. YouTube, questionnaires, a dictaphone, Word, PowerPoint, and Slideshare were used for evaluation.
Castlebrook Furniture & Design Presentationbarryminogue
Paul Byrne (Managing Director), Margaret Byrne, Gerry Byrne
Established: 1982
Employees: 50-100
Memberships:
Services: Design, Specification, Procurement, Project Management, Construction, Installation, Logistics, After Sales
Portfolio: Over 30 luxury hotels across Europe, Middle East and Africa including Fairmont Cairo, Grosvenor House London, The Connaught London, Intercontinental Park Lane London, Radisson Blu Addis Ababa, Marriott Renaissance London, Guoman Cumberland London.
Designers worked with: GA, HBA, WATG, Alex Kravetz, KCA, Woods Bagot, Anouska
This document is a program for a tribute concert hosted by Judge Darvin Zimmerman and the Clark County Veterans Court Advisory Board. It welcomes attendees and thanks major sponsors of the event including a silk screening supplies organization. The evening will feature a KISS tribute performance by Mark Stevenz and a patriotic song. Raffle tickets are available to support veterans with prizes including treats, haircuts, and gift cards. The program expresses gratitude to event volunteers, contributors, and concludes with well-wishes for the country and troops.
Mutual funds provide investors access to a professionally managed portfolio of securities, allowing them to benefit from the expertise of fund managers without needing substantial capital. They offer investors an affordable way to diversify their holdings across different asset classes and companies to reduce risk. Over the long run, mutual funds aim to achieve higher returns than fixed-income instruments like savings accounts through exposure to growth opportunities in the market.
The document outlines an agenda for a seminar on increasing and preserving wealth. The agenda includes introductions, four strategies to increase wealth presented by Susan Hill, a Q&A session, a coffee break, four ways to preserve wealth presented by Nicholas Turner, six ways retirees ruin their finances presented by Nick and Susie, and another Q&A session followed by a lunch reservation. Susan Hill will discuss knowing your objectives, appetite for risk, efficient frontiers, and being tax efficient. Nicholas Turner will discuss preserving wealth.
Use credit union investment basics seminar 3 27 12mullarkea
This document discusses various investment strategies and basics. It recommends that the most important strategies are to (F) have a plan, take advantage of time, and maintain consistency in investing (all of the above). It emphasizes starting to save and invest as early as possible, even small regular amounts, to benefit from long-term compound growth. Maintaining consistent investments over many years allows earnings to compound, growing the most. The document also discusses different investment options like stocks, bonds, and mutual funds that can be used to build a diversified portfolio suited to individual goals and risk tolerance.
This document provides an overview of a personal finance course. The course aims to help students gain skills to responsibly manage their money and gain perspective on how finances should affect their lives. The course will cover topics like setting financial goals, maximizing income and assets while minimizing expenses and liabilities, financial planning at different life stages, and determining net worth. The overall goal is to help students attain both financial and non-financial life goals in a sustainable way.
World Financial Group provides financial services and products to help people achieve better financial futures. It uses a hybrid business model that rewards associates for both sales production and leadership in developing other associates. The opportunity allows associates to earn income through their own sales, overrides on other associates' sales, and residuals. World Financial Group focuses on serving middle-income individuals and families and provides training and support to help associates be successful.
Normally people think financial goals require a high salary or wealth, but financial planning can achieve goals. Financial planning involves managing current resources through disciplined investing in options to achieve financial goals. It considers resources, investment options, and goals. A financial planner analyzes the situation, recommends an asset allocation plan, and monitors it over time to achieve the client's changing needs and opportunities.
The document discusses financial literacy and personal finance concepts. It begins by explaining the importance of financial literacy in understanding how to build personal wealth. It then covers key topics like the cashflow quadrant, financial planning, savings, goals, obstacles to savings like poor spending habits, and the power of compound interest. The main message is on the importance of financial literacy and having a sound financial plan to achieve financial freedom and build wealth over time.
The document appears to outline the financing process for a startup company called Fitfoods Co. over multiple years from 2012 to 2013. It shows revenues and expenses, as well as funds raised through an initial Series A financing round led by venture capital firm VC A, followed by a Series B round the next year. It indicates the founders' ownership stake was diluted from 100% to 25% after the Series A, and further to 33% after the Series B. Finally, it suggests the company had a successful exit through acquisition for $50 million, providing returns to the founders and venture capital investors.
This document provides information on why saving and investing is important for achieving financial goals like buying a car, paying for college, owning a home, and having a comfortable retirement. It discusses key concepts like starting to invest as early as possible to take advantage of compound interest. Various investment vehicles are described, including savings accounts, money market accounts, certificates of deposit, stocks, bonds, mutual funds, and how each can help savings and investments grow over time. The power of compound interest and rule of 72 for estimating returns are also explained.
This document provides information on why saving and investing is important for achieving financial goals like buying a car, paying for college, owning a home, and having a comfortable retirement. It discusses key concepts like starting to invest as early as possible to take advantage of compound interest. Various investment vehicles are described, including savings accounts, money market accounts, certificates of deposit, stocks, bonds, mutual funds, and how each can help savings and investments grow over time. The power of compound interest and rule of 72 for estimating returns are also explained.
This document provides an introduction to superannuation. It discusses what superannuation is, why we need compulsory super, and the benefits of saving through super such as tax advantages. It emphasizes that starting contributions early and maximizing returns can make a big difference to the total amount saved by retirement. The document recommends seeking professional financial advice to understand options and strategies for one's personal situation.
This document provides an overview of financial literacy concepts and business opportunities through IMG. It discusses key concepts like the X-curve for managing responsibilities and savings over time, the rule of 72 for understanding compound interest, and paying yourself first to build savings. The document then outlines IMG's business model of providing a one-stop shop for financial services and bypassing middlemen to earn commissions directly. It encourages attendees to choose between learning more as a client or joining the business to help others achieve financial freedom.
This document outlines an agenda for a presentation on personal financial planning. The presentation covers building a strong financial foundation through health and life insurance. It emphasizes the importance of setting goals and priorities to guide investment decisions. Short term goals are suited for low risk debt funds and FDs, while long term goals require higher risk equity funds. Professional financial advisors can help due to the complexity of products and lack of time and expertise for individuals. The presentation provides a framework for financial planning focused on protection, goals, asset allocation, and using advisors.
This document outlines an agenda for a presentation on personal financial planning. The presentation covers building a strong financial foundation through health and life insurance. It emphasizes the importance of setting goals and priorities to guide investment decisions. Short term goals are suited for low risk debt funds and FDs, while long term goals require higher risk equity funds. Professional financial advisors can help due to the complexity of products and lack of time and expertise for individuals. The presentation provides a framework for financial planning focused on protection, goals, asset allocation, and using advisors.
This document outlines an agenda for a presentation on personal financial planning. The presentation covers building a strong financial foundation through health and life insurance. It emphasizes the importance of setting goals and priorities to guide investment decisions. Short term goals are best served by low risk debt funds and fixed deposits, while long term goals require higher risk equity investments. Professional financial advisors can help due to their expertise, given the complexity of products and need for ongoing guidance.
10 Key Lessons in Applied Entrepreneurial FinanceTraction Masters
The document outlines an agenda for a presentation on applied entrepreneurial finance. The agenda includes an introduction, one word check-in, sections on entrepreneurial mindset and entrepreneurial finance, a question and answer period, and concluding with one take away. The entrepreneurial finance section provides an overview of various financing options and considerations for entrepreneurs, including Heilmeyer's Catechism, financing priorities, cash flow, working capital cycle, and sources of funding such as angels, venture capital, and government programs.
Ieul Presentation (September 2008) Seminar (Piggy Bank)David Brown
This document discusses strategies for retirement planning and saving for the future. It notes that Social Security alone will not provide enough income for a comfortable retirement. Indexed universal life insurance is presented as a way to save money that is protected from losses and can earn returns linked to market indexes. The document provides examples of how an indexed universal life policy could generate tax-free retirement income that lasts longer than other savings vehicles and also provides a death benefit. Retirement planning advice includes starting to save early, saving consistently, and using a mix of safe and higher-return investments.
This document provides information about the Condor Earth Technologies, Inc. Employee Stock Ownership Plan (ESOP). Key points include:
- The ESOP allows eligible employees to share in company growth and own stock through retirement plan contributions.
- The purpose is to provide ownership transition and retirement for founders while keeping the company intact.
- The effective date of the plan is October 1, 2005. Employees must work 1,000 hours per year to participate.
- Contributions are determined annually by the board based on company performance. Employees receive stock shares based on compensation.
- Vesting occurs gradually over 6 years of service, with full vesting at retirement, death, or disability.
- Benefits are distributed
This document provides information about the Condor Earth Technologies, Inc. Employee Stock Ownership Plan (ESOP). Key details include:
- The ESOP allows eligible employees to share in company growth and prosperity through stock ownership. It is funded by tax-deductible employer contributions.
- The purpose of the plan is to enable employee ownership transition and retirement for founders, while keeping the company intact.
- The effective date of the Condor ESOP is October 1, 2005. Eligible employees become participants after 1,000 hours of service in a plan year.
- Employer contributions are based on company performance and profits. Employees receive annual statements showing their stock shares and value.
The document discusses the importance of starting to save for retirement early. It notes that pensions are rare, social security may not be enough, and your quality of life in retirement depends on how much and how early you save. It provides examples showing how small, regular contributions from a young age can grow substantially over time through compound interest. Employer retirement plans like 401ks offer matching funds and tax-deferred growth that can significantly boost savings. The key messages are to start saving as soon as you have an income and maximize any employer matching funds.
3. WEALTH ACCUMULATION MODEL
Your current age is 25, and by
this age you would have
accumulated for yourself
current assets of your own
(e.g.: savings, investments,
property)
Current
Assets
Current Age
(E.g.: 25)
4. WEALTH ACCUMULATION MODEL
Your intended retirement
age is 62, and by this age
Future you would have
Assets accumulated more assets
for yourself!
Current
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
5. WEALTH ACCUMULATION MODEL
What is your Financial Goal?
Financial Goal = Financial Independence
Future
Assets
Current
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
What is your financial goal when
you retire? What do you want to
achieve then?
For many, achieving their financial
goal means being financially
independent.
6. WEALTH ACCUMULATION MODEL
What is your Financial Goal?
Financial Goal = Financial Independence
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
Let’s look at a typical Singaporean financial goal:
1. Have a house fully paid for
2. Some amount of savings
3. Some amount of investments:
• If we invest our money with returns of 5% p.a.
• $1million invested gives us $50,000
• $5million invested gives us $250,000
7. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
Without time and being physically able to
accumulate, you are unable to reach your
financial goal.
8. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
Therefore, the next 37
years of your life is
crucial!
9. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
But what may happen And stop you from
that could halt this achieving your financial
whole process? goal?
10. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
What may happen that could halt
this whole process?
1. Premature Death These are the 3 events that
2. Critical Illness may stop you from achieving
3. Total & Permanent Disability
your financial goals.
The risks that these may
happen are one of the
concerns of people.
11. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
What may happen that could halt
this whole process?
Concern #1: Risk 1. Premature Death
2. Critical Illness Risk Management
3. Total & Permanent Disability
What financial planning does
for you is to help you manage
these risks.
12. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
What may happen that could halt
this whole process?
Concern #1: Risk 1. Premature Death
2. Critical Illness Risk Management
3. Total & Permanent Disability
Concern #2:
Wealth The second aspect that
Accumulation
most people care about is
wealth accumulation.
13. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
Current Age Retirement Age
(E.g.: 25) (E.g.: 62) is
This how you calculate your
monthly cash flow.
What may happen that could halt
this whole process?
Concern #1: Risk 1. Premature Death Only when you have positive savings
2. Critical Illness monthly then you are able to do
Risk Management
3. Total & Permanent Disability
something to multiply it.
Concern #2: 1. Cash Flow = Income - Expenses
Wealth
Accumulation Positive Asset
Investment Accumulation
Savings Multiplication
14. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Next information you need to know is your net worth.
Financial Goal = Financial Independence
Time +
Many of us have assets locked up somewhere.
+ $$ + Investments
Future
E.g.: property, investments, fixed deposits.
Assets $$ Invested at 5% p.a.
S$1 million $50K
If inflation is Crucial Period 5% this year. If your fixed deposits are only
Current expected to be S$5 million $250K
Assets you interest of 0.25%, you are losing 4.75% of the value of your
giving
money to inflation!
Current Age Retirement Age
(E.g.: 25) (E.g.: 62)
You need to protect your hard-earned savings and make it grow instead of
allowing its value toprocess?that could halt is why you need to park your assets
depreciate. That
What may happen
this whole
Concern #1: Risk 1. Premature Death to make it work harder for you.
somewhere
2. Critical Illness Risk Management
3. Total & Permanent Disability
Concern #2: 1. Cash Flow = Income - Expenses
Wealth 2. Net Worth = Assets - Liabilities
Accumulation
15. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
It is important to know what current existing
arrangements and Age
Current policies you have and how Retirement Age
(E.g.: 25) (E.g.: 62)
much you are covered for.
What may happen that could halt
this whole process?
If your amount of protection 1. Premature Deathwhat you
Concern #1: Risk coverage is
need, you will have a peace of mind. If not, it’s
2. Critical Illness Risk Management
Protection > Needs
time to do something about it. Disability
3. Total & Permanent
• Help you to save on the unnecessary
Concern #2: 1. Cash Flow = Income - Expenses Protection = Needs
Wealth 2. Net Worth = Assets - Liabilities
Accumulation • Good to know
3. Existing Arrangements/ Policies
Protection < Needs
• Help you to do something about it
16. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current S$5 million $250K
Crucial Period
Assets
Lastly, do you have any immediate
Current Age Retirementconcerns regarding your finances
Age
(E.g.: 25) (E.g.: 62)
over the next 12 months?
What may happen that could halt
this whole process?
Concern #1: Risk 1. Premature Death E.g.: Getting married, buying a
2. Critical Illness Risk Management starting a business.
house,
3. Total & Permanent Disability
If so, we are able to make
Concern #2: 1. Cash Flow = Income - Expenses
Wealth appropriate planning for it as well.
2. Net Worth = Assets - Liabilities
3. Existing Arrangements/ Policies
4. Any Other Immediate Concerns
17. WEALTH ACCUMULATION MODEL
To accumulate this wealth, What is your Financial Goal?
what do you need? Financial Goal = Financial Independence
Time +
Future + $$ + Investments
Assets $$ Invested at 5% p.a.
S$1 million $50K
Current So what is the next step from now?
Crucial Period S$5 million $250K
Assets
Arrange for a financial analysis to be done.
Current Age Retirement Age
(E.g.: 30s) (E.g.: 60s)
Start early.
What may happen that could halt
this whole process?
Concern #1: Risk 1. But it’sDeath
Premature never too late now.
2. Critical Illness Risk Management
3. Total & Permanent Disability
Concern #2: 1. Cash Flow = Income - Expenses
Wealth 2. Net Worth = Assets - Liabilities
3. Existing Arrangements/ Policies
4. Any Other Immediate Concerns