WealthBar Lunch & Learn Slides
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Economic Update State and Local Issues Oct 2012
- The global economy was estimated at $79 trillion in 2011, with the U.S. the second largest at $15.1 trillion behind the EU at $15.9 trillion.
- The U.S. faces economic challenges from the "fiscal cliff" in 2013 if Congress fails to address spending cuts and tax increases scheduled to take effect.
- In Ohio, the jobless rate has fallen to 7% from 8.6% a year ago, new business filings are up, and state revenues are exceeding estimates despite expenditures being under estimates.
- The Utica Shale in Ohio is estimated to contain 38 trillion cubic feet of natural gas and 940 million barrels of oil worth a combined $
CCSD - Preliminary FY2012 Budget Forecast
The document summarizes a preliminary FY 2012 budget forecast presentation made to principals on February 9, 2011. It notes a potential shortfall of $250-275 million in state/local funding for the year, equivalent to a $870 per student cut. This is due to reductions in state funding, loss of federal ARRA funds, and the state proposing to take $300 million from the school district's debt service reserve, negatively impacting future budgets. The presentation outlines cuts already made totaling $375 million and 1,734 positions since 2007 and the potential impacts of further cuts, including larger class sizes, fewer school days, or pay reductions. It asks principals for input and notes key budget deadlines and uncertainty in
Presentation to Alaska Policy Frontiers (11.22.2014final)
The document summarizes Alaska's fiscal situation given declining oil prices and revenues. It finds that (1) if oil prices remain around $85, Alaska will face a $3.3 billion deficit draining its savings within 3 years; (2) revenues depend on uncertain oil prices and new production, but even if production increases are realized, taxes or spending cuts will still be needed; and (3) to avoid an economic crisis, Alaska must implement sustainable budgeting that lives within its means through savings to supplement volatile revenues over time.
Alaska’s budget (5.2.2015)
This document summarizes Alaska's budget challenges and options going forward. It notes that Alaska's budget problem has been building since 2013 due to declining oil revenues. The state budget was based on oil prices of $117/barrel but prices have fallen significantly below that. The document reviews the status of budget bills passed by the legislature and signed by the governor. It outlines four options to address the budget shortfall, including using funds from the Constitutional Budget Reserve or other designated funds. Finally, it argues that Alaska can achieve a long-term sustainable budget of around $4.5 billion by reducing spending and utilizing financial earnings from the Permanent Fund and other assets to supplement declining oil revenues. The coming debate on Alaska's fiscal future will
Alaska's Fiscal Situation: Where We've Been, Where We're Headed
The document summarizes Alaska's fiscal situation from 2013 to the present and potential options moving forward. From 2013 to 2020, Alaska relied on over $20 billion in additional budget sources including the Constitutional Budget Reserve, Statutory Budget Reserve, and Permanent Fund Dividend diversions. Under current law, from 2021 to 2030 Alaska is projected to face a $1.84 billion annual deficit totaling $18.4 billion. The options presented to address this include spending cuts, taxes, Permanent Fund Dividend cuts, drawing down savings, or a balanced approach of modest spending reductions, new taxes, and Permanent Fund Dividend cuts totaling $1.8 billion annually. Studies show Permanent Fund Divid
Current Agriculture Financial Climate: Economic Indicators to Watch
The document summarizes key economic indicators and financial factors for US agriculture in 2015, including commodity prices, interest rates, land values, the domestic and world economies. It discusses talent, technology, and risk management as important considerations for farm financial management. Specific indicators mentioned are lower corn, soybean, and wheat prices compared to 2013, lower oil prices, declining interest rates, and moderate home price and inflation increases projected for 2015.
Fiscal multipliers baseball stadium
Real GDP of Travistan grew by 5% from 2011 to 2012, with 2011 GDP being $50 and 2012 GDP being $55. A fiscal policy proposal is recommended for the city of Tucson to build a new sports complex to attract a MLB team, which would bring $31 million per year to the local GDP. Building the complex would cost $100 million but sales tax collected on 5% of the team's revenue could pay it off in under 14 years. The proposal includes calculations for expected economic growth using the fiscal multiplier and analyzes whether to cut services or raise taxes to fund the project. Overall, the project is recommended due to its economic benefits.
Compound.interest.eulers.number
Sheldon deposits $500 into a bank account paying annual interest of 1.5%. The document shows the calculation to determine how long it will take for the initial deposit to double to $1000 using the compound interest formula. An equation is set up and solved to find that it will take approximately 5 years for Sheldon's money to double.
Recommended
Economic Update State and Local Issues Oct 2012
- The global economy was estimated at $79 trillion in 2011, with the U.S. the second largest at $15.1 trillion behind the EU at $15.9 trillion.
- The U.S. faces economic challenges from the "fiscal cliff" in 2013 if Congress fails to address spending cuts and tax increases scheduled to take effect.
- In Ohio, the jobless rate has fallen to 7% from 8.6% a year ago, new business filings are up, and state revenues are exceeding estimates despite expenditures being under estimates.
- The Utica Shale in Ohio is estimated to contain 38 trillion cubic feet of natural gas and 940 million barrels of oil worth a combined $
CCSD - Preliminary FY2012 Budget Forecast
The document summarizes a preliminary FY 2012 budget forecast presentation made to principals on February 9, 2011. It notes a potential shortfall of $250-275 million in state/local funding for the year, equivalent to a $870 per student cut. This is due to reductions in state funding, loss of federal ARRA funds, and the state proposing to take $300 million from the school district's debt service reserve, negatively impacting future budgets. The presentation outlines cuts already made totaling $375 million and 1,734 positions since 2007 and the potential impacts of further cuts, including larger class sizes, fewer school days, or pay reductions. It asks principals for input and notes key budget deadlines and uncertainty in
Presentation to Alaska Policy Frontiers (11.22.2014final)
The document summarizes Alaska's fiscal situation given declining oil prices and revenues. It finds that (1) if oil prices remain around $85, Alaska will face a $3.3 billion deficit draining its savings within 3 years; (2) revenues depend on uncertain oil prices and new production, but even if production increases are realized, taxes or spending cuts will still be needed; and (3) to avoid an economic crisis, Alaska must implement sustainable budgeting that lives within its means through savings to supplement volatile revenues over time.
Alaska’s budget (5.2.2015)
This document summarizes Alaska's budget challenges and options going forward. It notes that Alaska's budget problem has been building since 2013 due to declining oil revenues. The state budget was based on oil prices of $117/barrel but prices have fallen significantly below that. The document reviews the status of budget bills passed by the legislature and signed by the governor. It outlines four options to address the budget shortfall, including using funds from the Constitutional Budget Reserve or other designated funds. Finally, it argues that Alaska can achieve a long-term sustainable budget of around $4.5 billion by reducing spending and utilizing financial earnings from the Permanent Fund and other assets to supplement declining oil revenues. The coming debate on Alaska's fiscal future will
Alaska's Fiscal Situation: Where We've Been, Where We're Headed
The document summarizes Alaska's fiscal situation from 2013 to the present and potential options moving forward. From 2013 to 2020, Alaska relied on over $20 billion in additional budget sources including the Constitutional Budget Reserve, Statutory Budget Reserve, and Permanent Fund Dividend diversions. Under current law, from 2021 to 2030 Alaska is projected to face a $1.84 billion annual deficit totaling $18.4 billion. The options presented to address this include spending cuts, taxes, Permanent Fund Dividend cuts, drawing down savings, or a balanced approach of modest spending reductions, new taxes, and Permanent Fund Dividend cuts totaling $1.8 billion annually. Studies show Permanent Fund Divid
Current Agriculture Financial Climate: Economic Indicators to Watch
The document summarizes key economic indicators and financial factors for US agriculture in 2015, including commodity prices, interest rates, land values, the domestic and world economies. It discusses talent, technology, and risk management as important considerations for farm financial management. Specific indicators mentioned are lower corn, soybean, and wheat prices compared to 2013, lower oil prices, declining interest rates, and moderate home price and inflation increases projected for 2015.
Fiscal multipliers baseball stadium
Real GDP of Travistan grew by 5% from 2011 to 2012, with 2011 GDP being $50 and 2012 GDP being $55. A fiscal policy proposal is recommended for the city of Tucson to build a new sports complex to attract a MLB team, which would bring $31 million per year to the local GDP. Building the complex would cost $100 million but sales tax collected on 5% of the team's revenue could pay it off in under 14 years. The proposal includes calculations for expected economic growth using the fiscal multiplier and analyzes whether to cut services or raise taxes to fund the project. Overall, the project is recommended due to its economic benefits.
Compound.interest.eulers.number
Sheldon deposits $500 into a bank account paying annual interest of 1.5%. The document shows the calculation to determine how long it will take for the initial deposit to double to $1000 using the compound interest formula. An equation is set up and solved to find that it will take approximately 5 years for Sheldon's money to double.
Rules of Thumb
Rule one is to spend less than you earn. Rule two is to save at least 15% of your salary. Rule three is to aim to achieve an income in retirement of 75% of your current salary by saving enough to generate that income. Rule four is to aim for investment returns that beat inflation by 4% annually to maintain purchasing power of savings over time. The document provides guidance on wealth building through multiple investment types and income streams to achieve financial independence.
Api
Affordable Property Investments helps people grow their wealth through property investment. It is owned by Rohan Birmingham, who has experience in property development and management. The company's goal is to create a network of experienced property investors and professionals to provide services like research, education, financing and management to help members invest successfully in properties for long-term capital growth and cash flow.
Could Traditional Financial Advice Be Outdated?
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
RRSP Fast Facts
An RRSP is a tax-deferred retirement savings plan that allows contributions to be deducted from taxable income, investments to grow tax-free, and withdrawals to be taxed as income. The maximum annual contribution is 18% of previous year's earned income up to a yearly limit of $22,000. Unused contribution room can be carried forward. The deadline for contributions to be deducted from the previous year's taxes is March 1st. Options if out of contribution room include paying down debt, using a TFSA, or investing in tax-efficient vehicles. It is best to invest regularly in a diversified portfolio rather than try to time the market. RRSP loans are available and a TFSA may also be
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This document provides an overview of strategies to help families achieve financial goals such as reducing debt, growing savings, ensuring safety of principal, minimizing taxes, and having liquid assets. It discusses how traditional financial planning advice is no longer sufficient given today's economic environment. Common concerns families have around finances are identified. The document then introduces two concepts - smart debt management and breaking away from the tax trap - to help families better manage their money. It argues that qualified retirement plans subject savings to high taxes and market risk, whereas alternative strategies could provide tax-free income and eliminate risk of loss. The document promotes meeting with a financial advisor to discuss how these concepts could be applied to an individual's specific situation.
Personal Financial Management
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
TOI 25 January 2016
The document is a financial newsletter that provides information on mutual funds and retirement planning. It includes the following:
1) A table showing the 1, 3, and 5 year returns of various mutual funds across categories like large cap, mid cap, multi cap, tax planning, hybrid, and debt funds. The 5-year returns of Mirae Asset Emerging Bluechip mid-cap fund are the highest at 22.35%.
2) Suggestions from financial experts for the upcoming budget, including raising tax exemption limits and introducing a separate limit for equity-linked savings schemes (ELSS) funds.
3) Ten ideas for beneficial tax and investment changes, such as making the National Pension System (
Prosperity from Paycheck to Paycheck
Learn how to increase your prosperity with every paycheck, to save money, invest your money, and get a better grip on your personal finances.
To learn more, visit:
http://eternalspiralbooks.com/prosperity/
A Beginners Guide Workshop -Wellness Expo
This document provides an overview of a beginner's guide to wealth building workshop. It discusses starting a personal investment plan and contributing to defined contribution plans like 401(k)s to save for retirement. It emphasizes the importance of tax shelters and gauging your investment attitude. Sample budgets are provided to help with financial planning. The workshop also discusses creating a balance sheet to track assets and liabilities, and starting the savings habit by paying yourself first. Later sections cover various investment vehicles like stocks, bonds, mutual funds and their associated markets and indexes to consider for building an investment portfolio.
Offshore savings and investments
The 5-year expat master plan outlines how expats can accumulate wealth during a typical 5-year stint abroad through disciplined savings and investments. It recommends saving 10-20% of income each month and investing in offshore savings vehicles or bonds to earn higher returns than traditional bank accounts and benefit from tax advantages. Sticking to the plan for the full 5 years while avoiding lifestyle inflation is key to achieving meaningful savings goals before returning home or moving elsewhere. Proper tax planning is also important to avoid liabilities when repatriating accumulated wealth.
HBW Presentation 2010
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
11 Strategies to Increase Your Savings Now
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Mindful test readonly
The document discusses strategies for building wealth through home equity. It presents the story of two brothers, Brother A who believes in paying off his mortgage quickly, and Brother B who takes a long-term mortgage and invests the difference. After 5, 15, and 30 years, Brother B has significantly more savings and wealth due to tax savings, equity growth, and investment returns on the money not spent on extra mortgage payments. The document advocates taking out a large mortgage and investing the equity rather than paying extra to pay off the loan early.
Introduction To Good $ense March 2010
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Saving for Retirement
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Even though it’s not easy for everyone to buy a home, it is in fact easier than ever to get a home these days with most lending agencies and banks being more liberal than ever with providing home loans and mortgages. Even if you don’t have a lot of capital or a lot of money to put down, you can still get the home of your dreams at a very affordable price.
A lot of us think that buying a home is a tough process, needing a large down payment, although this isn’t always the case. Buying a home largely depends on your budget. If you put a down payment on your home purchase, it will go towards your overall purchase. The more money you put down on a home when you purchase, the lower your monthly payments will be.
Those of us who don’t own a home live in rental houses and apartments. This can be a worthwhile solution, although your still paying money towards your housing that you could instead be putting towards a home of your own. Owning a home is a dream for many of us, especially when it comes to that dream home that we all hope to own one day. Apartments and homes are great to rent - although most these days will cost you just as much as a mortgage payment - which doesn’t make any sense at all.
Instead, you can easily convert your rental payments into monthly installments towards your own home. All across the United States, you can find of lot of banks and lenders that offer easy to get loans for purchasing your own home or real estate property at low interest rates. With a lot interest rate, you can get the home of your dreams and enjoy low monthly payments.
Our Story: Wealthsimple presented by Jason Goldlist at FinTechTO
Jason Goldlist, Chief Marketing Office at Wealthsimple, presents the 5 Simple Rules for Smart Investing at "Our Story: Wealthsimple", a FinTech Toronto event, on July 15th, 2015.
You can visit Wealthsimple here:
https://www.wealthsimple.com/
Illustration by Behavior Gap
2017 Pacific Dental Conference
This document summarizes a presentation given by John Nicola, Chairman and CEO of NWM, a wealth management firm. Some key points:
- NWM manages $4.7 billion in assets for families, foundations, and trusts. They provide integrated financial advice.
- The presentation discusses tax planning strategies, such as income splitting and the most tax efficient ways to build investment capital.
- It also covers estate planning techniques like alter ego trusts and estate freezes to minimize taxes and probate fees.
- The document outlines NWM's investment philosophy of focusing on after-tax returns and managing risk through diversification across asset classes.
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.More Related Content
Similar to WealthBar Lunch & Learn Slides
Rules of Thumb
Rule one is to spend less than you earn. Rule two is to save at least 15% of your salary. Rule three is to aim to achieve an income in retirement of 75% of your current salary by saving enough to generate that income. Rule four is to aim for investment returns that beat inflation by 4% annually to maintain purchasing power of savings over time. The document provides guidance on wealth building through multiple investment types and income streams to achieve financial independence.
Api
Affordable Property Investments helps people grow their wealth through property investment. It is owned by Rohan Birmingham, who has experience in property development and management. The company's goal is to create a network of experienced property investors and professionals to provide services like research, education, financing and management to help members invest successfully in properties for long-term capital growth and cash flow.
Could Traditional Financial Advice Be Outdated?
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
RRSP Fast Facts
An RRSP is a tax-deferred retirement savings plan that allows contributions to be deducted from taxable income, investments to grow tax-free, and withdrawals to be taxed as income. The maximum annual contribution is 18% of previous year's earned income up to a yearly limit of $22,000. Unused contribution room can be carried forward. The deadline for contributions to be deducted from the previous year's taxes is March 1st. Options if out of contribution room include paying down debt, using a TFSA, or investing in tax-efficient vehicles. It is best to invest regularly in a diversified portfolio rather than try to time the market. RRSP loans are available and a TFSA may also be
Debt Eliminator
How to eliminate debt. We also show how you can use a Personal Franchise from the home to accelerate your debt reduction.
Retire rich retire young
The document provides an overview of strategies for retiring rich and young presented by Vishal Thakkar. It discusses the importance of making one's money work harder through investment rather than just working hard. It outlines seven steps for retiring rich and young including deciding one's retirement age, buying liabilities based on needs not desires, linking liability and asset targets, planning liabilities in advance, increasing cash through knowledge and habits, making money work harder, and having job earnings and freedom ratio targets. Key investment avenues discussed include real estate, commodities, stocks, bonds, mutual funds, and more.
Living Debt Free and Truly Wealthy By Bill Constain
This document provides an overview of strategies to help families achieve financial goals such as reducing debt, growing savings, ensuring safety of principal, minimizing taxes, and having liquid assets. It discusses how traditional financial planning advice is no longer sufficient given today's economic environment. Common concerns families have around finances are identified. The document then introduces two concepts - smart debt management and breaking away from the tax trap - to help families better manage their money. It argues that qualified retirement plans subject savings to high taxes and market risk, whereas alternative strategies could provide tax-free income and eliminate risk of loss. The document promotes meeting with a financial advisor to discuss how these concepts could be applied to an individual's specific situation.
Personal Financial Management
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
TOI 25 January 2016
The document is a financial newsletter that provides information on mutual funds and retirement planning. It includes the following:
1) A table showing the 1, 3, and 5 year returns of various mutual funds across categories like large cap, mid cap, multi cap, tax planning, hybrid, and debt funds. The 5-year returns of Mirae Asset Emerging Bluechip mid-cap fund are the highest at 22.35%.
2) Suggestions from financial experts for the upcoming budget, including raising tax exemption limits and introducing a separate limit for equity-linked savings schemes (ELSS) funds.
3) Ten ideas for beneficial tax and investment changes, such as making the National Pension System (
Prosperity from Paycheck to Paycheck
Learn how to increase your prosperity with every paycheck, to save money, invest your money, and get a better grip on your personal finances.
To learn more, visit:
http://eternalspiralbooks.com/prosperity/
A Beginners Guide Workshop -Wellness Expo
This document provides an overview of a beginner's guide to wealth building workshop. It discusses starting a personal investment plan and contributing to defined contribution plans like 401(k)s to save for retirement. It emphasizes the importance of tax shelters and gauging your investment attitude. Sample budgets are provided to help with financial planning. The workshop also discusses creating a balance sheet to track assets and liabilities, and starting the savings habit by paying yourself first. Later sections cover various investment vehicles like stocks, bonds, mutual funds and their associated markets and indexes to consider for building an investment portfolio.
Offshore savings and investments
The 5-year expat master plan outlines how expats can accumulate wealth during a typical 5-year stint abroad through disciplined savings and investments. It recommends saving 10-20% of income each month and investing in offshore savings vehicles or bonds to earn higher returns than traditional bank accounts and benefit from tax advantages. Sticking to the plan for the full 5 years while avoiding lifestyle inflation is key to achieving meaningful savings goals before returning home or moving elsewhere. Proper tax planning is also important to avoid liabilities when repatriating accumulated wealth.
HBW Presentation 2010
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
11 Strategies to Increase Your Savings Now
Jennifer & Jerry Robinson discuss 11 unique strategies to increase your savings. Jennifer shares her own personal stories of how she has used these strategies to boost her savings and achieve financial freedom.
Mindful test readonly
The document discusses strategies for building wealth through home equity. It presents the story of two brothers, Brother A who believes in paying off his mortgage quickly, and Brother B who takes a long-term mortgage and invests the difference. After 5, 15, and 30 years, Brother B has significantly more savings and wealth due to tax savings, equity growth, and investment returns on the money not spent on extra mortgage payments. The document advocates taking out a large mortgage and investing the equity rather than paying extra to pay off the loan early.
Introduction To Good $ense March 2010
Presentation given at North Way Oakland Church -- Saturday March 27, 2010 on Personal Finance & Budgeting.
Saving for Retirement
Learn about the different options and strategies for saving for your retirement, so you can make the most of your money.
Real estate income secrets
Buying Your Dream Home
Even though it’s not easy for everyone to buy a home, it is in fact easier than ever to get a home these days with most lending agencies and banks being more liberal than ever with providing home loans and mortgages. Even if you don’t have a lot of capital or a lot of money to put down, you can still get the home of your dreams at a very affordable price.
A lot of us think that buying a home is a tough process, needing a large down payment, although this isn’t always the case. Buying a home largely depends on your budget. If you put a down payment on your home purchase, it will go towards your overall purchase. The more money you put down on a home when you purchase, the lower your monthly payments will be.
Those of us who don’t own a home live in rental houses and apartments. This can be a worthwhile solution, although your still paying money towards your housing that you could instead be putting towards a home of your own. Owning a home is a dream for many of us, especially when it comes to that dream home that we all hope to own one day. Apartments and homes are great to rent - although most these days will cost you just as much as a mortgage payment - which doesn’t make any sense at all.
Instead, you can easily convert your rental payments into monthly installments towards your own home. All across the United States, you can find of lot of banks and lenders that offer easy to get loans for purchasing your own home or real estate property at low interest rates. With a lot interest rate, you can get the home of your dreams and enjoy low monthly payments.
Our Story: Wealthsimple presented by Jason Goldlist at FinTechTO
Jason Goldlist, Chief Marketing Office at Wealthsimple, presents the 5 Simple Rules for Smart Investing at "Our Story: Wealthsimple", a FinTech Toronto event, on July 15th, 2015.
You can visit Wealthsimple here:
https://www.wealthsimple.com/
Illustration by Behavior Gap
2017 Pacific Dental Conference
This document summarizes a presentation given by John Nicola, Chairman and CEO of NWM, a wealth management firm. Some key points:
- NWM manages $4.7 billion in assets for families, foundations, and trusts. They provide integrated financial advice.
- The presentation discusses tax planning strategies, such as income splitting and the most tax efficient ways to build investment capital.
- It also covers estate planning techniques like alter ego trusts and estate freezes to minimize taxes and probate fees.
- The document outlines NWM's investment philosophy of focusing on after-tax returns and managing risk through diversification across asset classes.
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[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
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Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Accounting Information Systems (AIS).pptx
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy Visa
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
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.在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
South Dakota State University degree offer diploma Transcript
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Enhancing Asset Quality: Strategies for Financial Institutions
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
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falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...Falcon Invoice Discounting
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.Detailed power point presentation on compound interest and how it is calculated
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Machine Learning in Business - A power point presentation.pptx
Power point presentation on machine learning.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"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.University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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WealthBar Lunch & Learn Slides
- 1. Ge#ng The Most Out Of Your Money
- 2. Welcome 1. Financial Planning Lifecycle 2. Pay Yourself First 3. Define a Plan and Op=mize 4. The 2000 Years Old Philosophy 5. Benefits Of Broad Diversifica=on 6. Execute and review How To Plan How To Invest
- 3. Accumula>on Income Re=rement Estate Financial Planning Lifecycle
- 4. "If you’ve got a problem make it a procedure and it won’t be a problem anymore.” BEN FELDMAN
- 5. Net Income Basic Living Needs Disposable Income Housing Savings Live Within Your Means
- 6. "Don't tell me where your priori>es are. Show me where you spend your money and I'll tell you what they are." JAMES W. FRICK
- 8. "Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver." RUSSIAN PHILOSOPHER
- 9. Your Current Income Taxes Mortgage Payment Savings Amount Lifestyle Income NOW Income that needs to come from savings Lifestyle IncomeRETIRE- MENT Taxes Government Benefits Define A Plan
- 10. “Let me tell you how it will be There's one for you, nineteen for me 'Cause I'm the taxman, yeah, I'm the taxman” THE BEATLES
- 11. They all behave very differently in various stages Optimize For Taxes RRSP TFSA Non-Registered Account Accumula=on Accumula=on Accumula=on Income Income Income Estate Estate Estate
- 12. $85,000 income Savings of at least 15% in taxes Average rate 22.7% Average rate 16.3% Income 32.5% ~16.3% RRSP is Tax Deferred Accumula>on 0% 20.1% 22.7% 29.7% Your Current Tax Brackets
- 13. Only save enough in RRSP’s to provide you with a basic lifestyle income in reVrement How Much to Save in an RRSP
- 14. Taxes Refunded To Your Paycheque File T1213 with Canada Revenue Agency Employer will not withdraw taxes on your RRSP contribu=ons HQp://Www.Cra-Arc.Gc.Ca/E/Pbg/Tf/T1213/Readme.Html
- 15. TFSA is Tax Sheltered Deposits Growth Tax Free IncomeAccumula>on
- 16. How Much to Save in a TFSA As much as you can! As much as you can!
- 17. How Much To Save In A Non-Registered The rest of it! The rest of it
- 18. “Let every man divide his money into three parts, and invest a third in land, a third in business, and let him keep a third in reserve.” THE TALMUD (1200 B.C. - 500 A.D.)
- 19. The Talmud Broad Diversifica>on Of Assets Tiger 21 Member Alloca>ons
- 21. Start At $1 Million And Withdraw $50,000 Per Year
- 22. “Investors should remember that excitement and expenses are their enemies. And if they insist on trying to >me their par>cipa>on in equi>es, they should try to be fearful when others are greedy and greedy only when others are fearful.” WARREN BUFFET
- 23. 1. Pay Yourself First 2. Save In The Right Place 3. Don’t Put All Eggs In One Basket Summary