Dave visits a financial advisor to assess his financial situation. The advisor prepares a net worth statement using the following information: Dave owns a $100,000 home with a $60,000 mortgage and a $20,000 car with a $15,000 loan. He has $7,000 in savings and investments. Dave has $6,000 in debts. The advisor calculates Dave's net worth is $74,000 and his debt-to-equity ratio is 28%.
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
This document discusses retirement planning options through a self-directed IRA administered by Entrust. It highlights that Entrust offers choice in investment options beyond typical 401k plans, including real estate, private placements, notes, and more. It provides examples of how clients have used IRAs to invest in undeveloped land, mortgages, and rental real estate. The document encourages learning about different investment opportunities and outlines three steps to begin investing through a self-directed IRA.
The document summarizes a presentation about charitable trusts and estate planning. It discusses how charitable remainder trusts can provide income for life, pass assets to heirs free of estate taxes, and leave remaining assets to charity. It also describes how charitable lead trusts can eliminate estate taxes by having charity receive income for a period before assets pass to heirs.
Linkedin francic chimenti planning for retirement -Carol Buckmann
This document provides an overview of retirement planning for a hypothetical couple, Frank and Joanne Wilson. It discusses estimating retirement expenses, sources of retirement income, developing a retirement vision, and strategies to pursue their goals. Key points include estimating the Wilsons' annual living expenses in retirement will be $175,000 but their current annual income is only $50,000, leaving a $125,000 shortfall. The document outlines a potential strategy to address this, including reviewing investments, Social Security claiming strategies, generating income streams, protecting principal, and ensuring insurance needs are met.
The document discusses alternative strategies for retirement planning compared to traditional IRA and 401k plans. It argues that IRA and 401k plans are not optimal due to taxes owed upon withdrawal. Home equity loans used to fund non-qualified investments are presented as a better alternative, providing liquidity, safety, and higher returns. Multiple examples are given showing how this strategy could generate over $1 million more over 30 years compared to traditional tax-deferred plans.
The document discusses various options for saving for college, including 529 plans, Coverdell ESAs, U.S. savings bonds, and UTMA/UGMA custodial accounts. It notes that 529 plans offer high contribution limits and tax-free growth but have limited investment options. Coverdell ESAs are for smaller annual contributions but provide full investment control. U.S. savings bonds offer principal guarantees and tax benefits for qualifying taxpayers. UTMA/UGMA accounts provide some tax benefits but the child gains control of assets at a young age. The options vary in their flexibility, tax treatment, and suitability for different savers.
Dave visits a financial advisor to assess his financial situation. The advisor prepares a net worth statement using the following information: Dave owns a $100,000 home with a $60,000 mortgage and a $20,000 car with a $15,000 loan. He has $7,000 in savings and investments. Dave has $6,000 in debts. The advisor calculates Dave's net worth is $74,000 and his debt-to-equity ratio is 28%.
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
This document discusses retirement planning options through a self-directed IRA administered by Entrust. It highlights that Entrust offers choice in investment options beyond typical 401k plans, including real estate, private placements, notes, and more. It provides examples of how clients have used IRAs to invest in undeveloped land, mortgages, and rental real estate. The document encourages learning about different investment opportunities and outlines three steps to begin investing through a self-directed IRA.
The document summarizes a presentation about charitable trusts and estate planning. It discusses how charitable remainder trusts can provide income for life, pass assets to heirs free of estate taxes, and leave remaining assets to charity. It also describes how charitable lead trusts can eliminate estate taxes by having charity receive income for a period before assets pass to heirs.
Linkedin francic chimenti planning for retirement -Carol Buckmann
This document provides an overview of retirement planning for a hypothetical couple, Frank and Joanne Wilson. It discusses estimating retirement expenses, sources of retirement income, developing a retirement vision, and strategies to pursue their goals. Key points include estimating the Wilsons' annual living expenses in retirement will be $175,000 but their current annual income is only $50,000, leaving a $125,000 shortfall. The document outlines a potential strategy to address this, including reviewing investments, Social Security claiming strategies, generating income streams, protecting principal, and ensuring insurance needs are met.
The document discusses alternative strategies for retirement planning compared to traditional IRA and 401k plans. It argues that IRA and 401k plans are not optimal due to taxes owed upon withdrawal. Home equity loans used to fund non-qualified investments are presented as a better alternative, providing liquidity, safety, and higher returns. Multiple examples are given showing how this strategy could generate over $1 million more over 30 years compared to traditional tax-deferred plans.
The document discusses various options for saving for college, including 529 plans, Coverdell ESAs, U.S. savings bonds, and UTMA/UGMA custodial accounts. It notes that 529 plans offer high contribution limits and tax-free growth but have limited investment options. Coverdell ESAs are for smaller annual contributions but provide full investment control. U.S. savings bonds offer principal guarantees and tax benefits for qualifying taxpayers. UTMA/UGMA accounts provide some tax benefits but the child gains control of assets at a young age. The options vary in their flexibility, tax treatment, and suitability for different savers.
1. The document discusses "Simplified Planned Giving" (SPG) which uses charitable gifts like charitable gift annuities (CGAs) to provide benefits to both donors and charities.
2. CGAs offer donors guaranteed lifetime income, income tax deductions, capital gains tax relief, and estate tax reductions while also leaving a legacy for heirs.
3. An example shows how a CGA allowed a couple to increase their annual income, pay for long term care, fund a life insurance policy for heirs, and receive an immediate tax deduction.
This document provides an overview of the first class in a series of 6 classes on personal finance called "MONEY MATTERS". The class covers calculating monthly income, determining deductions, and preparing a budget. Key points include listing sources of income, applying rules to calculate monthly amounts, identifying required and voluntary deductions on a pay stub, and using income and expense information to create a budget and financial plan. The class aims to help participants better understand and take control of their financial situation.
The document provides financial information for Samuel and Maria Anderson, including their assets, liabilities, income, expenses, and financial goals. It calculates key financial ratios for the Andersons, such as their basic liquidity ratio, asset-to-debt ratio, debt service-to-income ratio, and debt payments-to-disposable income ratio. It then creates a monthly budget and restates their goals in the SMART format with specific savings amounts and timelines. The conclusion recommends refinancing their mortgage at a lower rate, downgrading their cars to reduce expenses, paying off high-interest credit card debt, and delaying charitable contributions until improving their financial position.
Top 10 charitable planning strategies for financial advisors 2020Russell James
This presentation gives the top approaches to helping your clients and growing your practice using charitable planning with special tips related to the new tax law. Participants will learn how to provide tremendous benefit to clients, while improving their own assets under management, with charitable planning. Topics include gifts from retirement plans, gifts of appreciated assets, the use of private foundations, and life insurance.
The document provides recommendations to improve the personal and business risk management of Charles and Kay. For personal risks, it recommends increasing life insurance coverage to $5 million each through universal life policies. It also recommends $6 million in survivorship life insurance and establishing an irrevocable life insurance trust. It suggests funding a $350,000 special needs trust for their daughter Andrea through the life insurance. It also provides recommendations to increase insurance deductibles and coverage amounts for auto, medical, and homeowners insurance. It concludes by recommending the addition of disability, long-term care, and personal umbrella insurance.
- College costs are rising significantly, with tuition and fees projected to increase by over 5.5% annually on average. This is putting pressure on students and families to take on increasing debt loads to pay for education.
- A 529 plan is a tax-advantaged college savings plan that allows families to save and invest for future college expenses. Contributions to a 529 plan grow tax-free and qualified withdrawals are also federally tax-free.
- Putnam CollegeAdvantage is a 529 plan offered by Putnam Investments. It provides various investment options, tax benefits, and flexibility in managing savings for college. Contributions can be made in lump sums or installments and withdrawals are simple to take for qualified education
NJCFE symposium saving strategies for those who don't save-12-11Barbara O'Neill
This document provides tips and strategies for saving money, including automating savings through payroll deductions, continuing payments on loans and bills as savings, tracking expenses to identify areas to reduce spending, taking advantage of employer retirement plan matches, and increasing savings amounts whenever possible expenses decrease or income increases. It emphasizes that seeing savings as an achievable goal through small regular amounts can lead to significant totals over time.
The document discusses various financial instruments for retirement planning including savings accounts, certificates of deposit, stocks, bonds, mutual funds, and individual retirement accounts. It provides examples of how much money could be saved over time with regular contributions to different accounts earning compound interest. It also compares the risks, yields, minimum balances and tax implications of different savings and investment options.
This document provides an overview and outline of a presentation about charitable giving opportunities through the Community Foundation of Greater Des Moines. It discusses Endow Iowa tax credits for donations, potential reinstatement of the IRA charitable rollover, donor advised and legacy funds, and the Keep Iowa Growing program which accepts farmland donations to benefit charities. Donating appreciated assets like stock provides tax benefits over selling and donating the proceeds. The Community Foundation aims to promote charitable giving and keep Iowa's wealth and farmland within the state.
The document appears to be an informational brochure for an estate planning seminar hosted by David A. Kossak. It provides biographical details about Kossak's qualifications and experience in estate planning. The brochure also includes a registration form for the seminar and discusses various advanced estate planning strategies and solutions that could be discussed, such as Qualified Personal Residence Trusts, Grantor Retained Annuity Trusts, and The Family Legacy Trust.
The decisions of tax planning, and investing proceeds from the sale of your farm and ranch will affect your life and your heirs life. Take a look at the investing proceeds from the sale of a farm or ranch guide "a series of wealth guides by Solid Rock Wealth Management", and make smart decisions with your money.
This document introduces the "Anti-AnnuityTM", which is described as Single Premium Indexed Universal Life insurance (SPIUL). It summarizes the credentials and experience of the advisors behind the product. The SPIUL is presented as a tax-advantaged alternative to annuities that allows tax-free growth and access to funds. Examples are given showing how SPIUL can be used to create larger tax-free inheritances than other options like annuities. It also describes how SPIUL can be used to avoid taxes on IRA and retirement account funds by transferring them into the life insurance product. Readers are encouraged to schedule a meeting with the advisors to learn more about SPIUL and how it can save on estate
This document discusses how a couple named Bill and Mary used the equity in their home to purchase an investment property and build wealth over 10 years. They used $250,000 of equity from their $450,000 home to purchase a $425,000 investment property. Through leveraging and tax benefits of property investment, their total wealth grew from $235,274 to $1,189,543 over 10 years while they only contributed $38,017.
InKnowVision October 2013 Case Study - Lewis FWGAInKnowVision
Duncan and Tina are both 65. They live a comfortable lifestyle, spending about $1,600,000 a year after taxes and gifting about $2,000,000 a year to their family foundation. With assets worth approximately $62M and annual income of over $7M, they currently pay just over $2M a year in income taxes and have an increasing estate tax and ongoing income tax exposure.
The primary planning goals are to:
-Make sure that they have sufficient funds to live on for the rest of their lives (approx. $1,600,000/yr. after taxes and gifts).
-Assure that Duncan's, Inc. does not have to be liquidated as a result of their death.
-Provide a successful transition of the business to their son, Jason, while ensuring an equal inheritance for their son, Jeremy. They would like to leave 50% of their estate to Jason & Jeremy and another 25% to their grandchildren and other family members.
-They wish to continue annual giving to their family foundation and ultimately leave 25% of their estate to the foundation at death.
-Make sure the company buy/sell agreement accurately reflects the wishes of the family owners in the most tax efficient manner possible.
-Eliminate or reduce estate taxes.
A donor transfers assets to a charitable remainder trust (CRT). The donor receives payments from the CRT for life or a term of years. Upon the donor's death or the end of the term, the remaining assets pass to charity. The donor receives an income tax deduction for the charitable gift. Payments from the CRT are taxed in tiers, with ordinary income taxed first, then capital gains, and return of principal last. CRTs provide tax benefits to donors but ensure the assets ultimately pass to charity.
Using Life Insurance in Charitable PlanningRussell James
These slides are taken from the graduate financial planning course "Introduction to Charitable Planning" at Texas Tech University. Details at www.EncourageGenerosity.com
The document discusses different retirement savings options such as 401(k)s, IRAs, and pensions. It provides details on contribution limits, tax advantages, and investment growth over time for each option. The main message is that starting to save for retirement early, even in small amounts each week, can significantly increase the total savings one accumulates by retirement age.
The document provides guidelines for effective home page design, including making the site's purpose clear, helping users find needed information, and revealing site content. It analyzes the home page of the Elections Department of Singapore and identifies areas for improvement, such as adding an introduction, using imagery and graphics to educate users and establish trust, and providing relevant information to build credibility. Examples of better home page designs from other elections websites are presented that incorporate things like introductions, interactive media, imagery relating to voting procedures, and graphics to convey information visually.
Presentatie Na4all Informatie Aan Zee 11092009 V0.01Petra1010
Presentatie over het project NA4all van het Nationaal Archief in Den Haag en de visie op web 2.0 die daarbij hoort, zoals gegeven op het congres Informatie aan Zee in Kursaal Oostende (B), 11 september 2009, 16.15 uur Delvauxzaal..
1. The document discusses "Simplified Planned Giving" (SPG) which uses charitable gifts like charitable gift annuities (CGAs) to provide benefits to both donors and charities.
2. CGAs offer donors guaranteed lifetime income, income tax deductions, capital gains tax relief, and estate tax reductions while also leaving a legacy for heirs.
3. An example shows how a CGA allowed a couple to increase their annual income, pay for long term care, fund a life insurance policy for heirs, and receive an immediate tax deduction.
This document provides an overview of the first class in a series of 6 classes on personal finance called "MONEY MATTERS". The class covers calculating monthly income, determining deductions, and preparing a budget. Key points include listing sources of income, applying rules to calculate monthly amounts, identifying required and voluntary deductions on a pay stub, and using income and expense information to create a budget and financial plan. The class aims to help participants better understand and take control of their financial situation.
The document provides financial information for Samuel and Maria Anderson, including their assets, liabilities, income, expenses, and financial goals. It calculates key financial ratios for the Andersons, such as their basic liquidity ratio, asset-to-debt ratio, debt service-to-income ratio, and debt payments-to-disposable income ratio. It then creates a monthly budget and restates their goals in the SMART format with specific savings amounts and timelines. The conclusion recommends refinancing their mortgage at a lower rate, downgrading their cars to reduce expenses, paying off high-interest credit card debt, and delaying charitable contributions until improving their financial position.
Top 10 charitable planning strategies for financial advisors 2020Russell James
This presentation gives the top approaches to helping your clients and growing your practice using charitable planning with special tips related to the new tax law. Participants will learn how to provide tremendous benefit to clients, while improving their own assets under management, with charitable planning. Topics include gifts from retirement plans, gifts of appreciated assets, the use of private foundations, and life insurance.
The document provides recommendations to improve the personal and business risk management of Charles and Kay. For personal risks, it recommends increasing life insurance coverage to $5 million each through universal life policies. It also recommends $6 million in survivorship life insurance and establishing an irrevocable life insurance trust. It suggests funding a $350,000 special needs trust for their daughter Andrea through the life insurance. It also provides recommendations to increase insurance deductibles and coverage amounts for auto, medical, and homeowners insurance. It concludes by recommending the addition of disability, long-term care, and personal umbrella insurance.
- College costs are rising significantly, with tuition and fees projected to increase by over 5.5% annually on average. This is putting pressure on students and families to take on increasing debt loads to pay for education.
- A 529 plan is a tax-advantaged college savings plan that allows families to save and invest for future college expenses. Contributions to a 529 plan grow tax-free and qualified withdrawals are also federally tax-free.
- Putnam CollegeAdvantage is a 529 plan offered by Putnam Investments. It provides various investment options, tax benefits, and flexibility in managing savings for college. Contributions can be made in lump sums or installments and withdrawals are simple to take for qualified education
NJCFE symposium saving strategies for those who don't save-12-11Barbara O'Neill
This document provides tips and strategies for saving money, including automating savings through payroll deductions, continuing payments on loans and bills as savings, tracking expenses to identify areas to reduce spending, taking advantage of employer retirement plan matches, and increasing savings amounts whenever possible expenses decrease or income increases. It emphasizes that seeing savings as an achievable goal through small regular amounts can lead to significant totals over time.
The document discusses various financial instruments for retirement planning including savings accounts, certificates of deposit, stocks, bonds, mutual funds, and individual retirement accounts. It provides examples of how much money could be saved over time with regular contributions to different accounts earning compound interest. It also compares the risks, yields, minimum balances and tax implications of different savings and investment options.
This document provides an overview and outline of a presentation about charitable giving opportunities through the Community Foundation of Greater Des Moines. It discusses Endow Iowa tax credits for donations, potential reinstatement of the IRA charitable rollover, donor advised and legacy funds, and the Keep Iowa Growing program which accepts farmland donations to benefit charities. Donating appreciated assets like stock provides tax benefits over selling and donating the proceeds. The Community Foundation aims to promote charitable giving and keep Iowa's wealth and farmland within the state.
The document appears to be an informational brochure for an estate planning seminar hosted by David A. Kossak. It provides biographical details about Kossak's qualifications and experience in estate planning. The brochure also includes a registration form for the seminar and discusses various advanced estate planning strategies and solutions that could be discussed, such as Qualified Personal Residence Trusts, Grantor Retained Annuity Trusts, and The Family Legacy Trust.
The decisions of tax planning, and investing proceeds from the sale of your farm and ranch will affect your life and your heirs life. Take a look at the investing proceeds from the sale of a farm or ranch guide "a series of wealth guides by Solid Rock Wealth Management", and make smart decisions with your money.
This document introduces the "Anti-AnnuityTM", which is described as Single Premium Indexed Universal Life insurance (SPIUL). It summarizes the credentials and experience of the advisors behind the product. The SPIUL is presented as a tax-advantaged alternative to annuities that allows tax-free growth and access to funds. Examples are given showing how SPIUL can be used to create larger tax-free inheritances than other options like annuities. It also describes how SPIUL can be used to avoid taxes on IRA and retirement account funds by transferring them into the life insurance product. Readers are encouraged to schedule a meeting with the advisors to learn more about SPIUL and how it can save on estate
This document discusses how a couple named Bill and Mary used the equity in their home to purchase an investment property and build wealth over 10 years. They used $250,000 of equity from their $450,000 home to purchase a $425,000 investment property. Through leveraging and tax benefits of property investment, their total wealth grew from $235,274 to $1,189,543 over 10 years while they only contributed $38,017.
InKnowVision October 2013 Case Study - Lewis FWGAInKnowVision
Duncan and Tina are both 65. They live a comfortable lifestyle, spending about $1,600,000 a year after taxes and gifting about $2,000,000 a year to their family foundation. With assets worth approximately $62M and annual income of over $7M, they currently pay just over $2M a year in income taxes and have an increasing estate tax and ongoing income tax exposure.
The primary planning goals are to:
-Make sure that they have sufficient funds to live on for the rest of their lives (approx. $1,600,000/yr. after taxes and gifts).
-Assure that Duncan's, Inc. does not have to be liquidated as a result of their death.
-Provide a successful transition of the business to their son, Jason, while ensuring an equal inheritance for their son, Jeremy. They would like to leave 50% of their estate to Jason & Jeremy and another 25% to their grandchildren and other family members.
-They wish to continue annual giving to their family foundation and ultimately leave 25% of their estate to the foundation at death.
-Make sure the company buy/sell agreement accurately reflects the wishes of the family owners in the most tax efficient manner possible.
-Eliminate or reduce estate taxes.
A donor transfers assets to a charitable remainder trust (CRT). The donor receives payments from the CRT for life or a term of years. Upon the donor's death or the end of the term, the remaining assets pass to charity. The donor receives an income tax deduction for the charitable gift. Payments from the CRT are taxed in tiers, with ordinary income taxed first, then capital gains, and return of principal last. CRTs provide tax benefits to donors but ensure the assets ultimately pass to charity.
Using Life Insurance in Charitable PlanningRussell James
These slides are taken from the graduate financial planning course "Introduction to Charitable Planning" at Texas Tech University. Details at www.EncourageGenerosity.com
The document discusses different retirement savings options such as 401(k)s, IRAs, and pensions. It provides details on contribution limits, tax advantages, and investment growth over time for each option. The main message is that starting to save for retirement early, even in small amounts each week, can significantly increase the total savings one accumulates by retirement age.
The document provides guidelines for effective home page design, including making the site's purpose clear, helping users find needed information, and revealing site content. It analyzes the home page of the Elections Department of Singapore and identifies areas for improvement, such as adding an introduction, using imagery and graphics to educate users and establish trust, and providing relevant information to build credibility. Examples of better home page designs from other elections websites are presented that incorporate things like introductions, interactive media, imagery relating to voting procedures, and graphics to convey information visually.
Presentatie Na4all Informatie Aan Zee 11092009 V0.01Petra1010
Presentatie over het project NA4all van het Nationaal Archief in Den Haag en de visie op web 2.0 die daarbij hoort, zoals gegeven op het congres Informatie aan Zee in Kursaal Oostende (B), 11 september 2009, 16.15 uur Delvauxzaal..
How Startups And Emerging Companies Can Benefit From Social Web And Enterpris...OMcareers Community
Mr. Jay Pullur (CEO of Pramati Technologies Pvt. Ltd.) shows how Startups And Emerging Companies Can Benefit From Social Web And Enterprise 2.0 at NASSCOM Friday’S 2.0 39th Session at
ASolutions is a software development company founded in 1996 that employs 15 people. They offer tailored software applications, consultancy, integration services, and GPS tracking solutions using technologies like Java, .NET and Delphi. Examples of their past projects are then shown for organizations like SRK, Spirit, RailFeeding, NS, and Van Oord.
This document appears to be a course catalog for an ADE 630 media and materials class from the fall of 2008. It lists various student projects completed that semester, including paper sculpture installations, small budget body sculptures, drawn and printed strange creatures, molding and multiples installations, found object accumulations, short projects, studio photos, and final projects. The document provides an overview of the creative works produced by students in the class that term.
Today Mumbai experienced an attack similar to what New York experienced in the past. We as Indians must stand united, respect each other, take pride in our identity, and forgive transgressions. While staying silent in the face of adversity, we must work to uphold the ideals of our nation and its founding leaders. We do this to honor the innocent lives lost in such attacks, and to maintain the integrity that defines the spirit of India.
Syed Muhammad Ali has over 17 years of experience in manufacturing operations and production management. He has held roles such as Factory Manager and Deputy General Manager at various companies. He specializes in quality control, productivity improvements, cost reduction strategies, and safety training programs. He has experience implementing manufacturing systems, optimizing output while minimizing costs, and ensuring compliance with ISO standards.
The document contains repeated text blocks that include the names Bas Driessen, André van Leth, and Tom Veeger as well as an address in Eindhoven, Netherlands. Various words and phrases are featured in the text blocks such as "Lier", "Parasite", "Hogtus Botanicus", and "McBaas".
Snips and snails and puppy dog tails: the need to preserve complexity in math...Universidade de Lisboa
Plenary address in reply to “The Use of Digital Tools in Web-based Mathematical Problem Solving: different levels of sophistication in Solving-and-Expressing” (Jacinto, Nobre, Carreira & Amado, 2014)
Conference Problem@Web | 2-4 May 2014 | Portugal
This document discusses shadow IT and provides recommendations for how enterprise IT can embrace it. It defines shadow IT as solutions developed without enterprise IT oversight and explains why teams turn to it for freedom, ownership, and ego. Trends like externalization, consumerization, and democratization of technology are driving its growth. The document recommends that enterprise IT address barriers preventing shadow IT from adopting standards, extend solutions to shadow IT teams, and merge policies with their environments to bridge the divide between the two.
Taylor Goldman has accounts on several computer applications and websites. These include an iMac computer in a school lab, a First Class school email account, a Blogger blog site, Igoogle for organizing information online, Slide Share to upload presentations, and a shared Wiki Spaces account. Slide Share is specifically mentioned as how a slideshow was added to their blog.
Inversitgating Socio-Technical Experiences of Disability in New MediaSarah Lewthwaite
The document summarizes a study investigating the socio-technical experiences of disability in social media. It discusses interviews conducted with 18 disabled students about their experiences with disability and social networking. It finds that while social networks can enable some, they can also disable others by not considering disabled users. The development of systems that assume non-disabled patterns of activity can exacerbate disability.
This document contains configurations for Cisco routers, including:
1. Interface configurations for E1 and serial interfaces with descriptions and multilink PPP settings.
2. Site-to-site VPN and Easy VPN configurations using IPSec.
3. Control plane policies to limit traffic like Telnet, SNMP, and ICMP.
4. Other settings like IP aliases, QoS, time ranges, route maps, NTP, TACACS, RADIUS, DHCP, and ISDN.
The document discusses perspectives on critical mathematics education from participants at the 6th Mathematics Education and Society Conference. It provides over 30 quotes from participants that define or describe critical mathematics education and mainstream mathematics education. The quotes touch on focusing on social issues, empowerment, critique of society, and using math to understand injustice.
Matt Lee from Minitex gave a presentation on April 3rd about using RSS feeds, Yahoo! Pipes, and Greasemonkey to better manage information and customize websites. RSS feeds can aggregate content from multiple sources into a feed reader. Yahoo! Pipes allows users to filter and combine content. Greasemonkey is a tool to modify the appearance and functionality of websites through user-created scripts. These tools may help reduce information overload and make websites work better for individual needs and preferences.
The document discusses the relationship between building and happiness through examining Strawberry Hill, a Gothic house built in England in 1748. It summarizes that while the owner found happiness in continuously renovating and restoring the building, the structure is now close to collapsing after changing many owners. The document also examines factors that influence happiness, finding that family, spiritual fulfillment, and freedom are more important than material goods or occupation. Buildings can provide environments for contemplation but not happiness itself.
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.
Securing Your Financial Future with GreenDeedMichelle Shaman
1. The document discusses land banking as a solution to retirement challenges, as social security provides most retirement income but averages just $1,300 per month.
2. Land banking involves acquiring select pre-developed land in growth areas that will appreciate in value over time, providing higher returns than other options. Examples show properties appreciating by over 10 times the original value.
3. California is presented as an ideal location for land banking due to population growth, limited developable land, and economic strength in major metro areas like Los Angeles.
The document outlines 3 secrets of how wealthy people create and preserve wealth through real estate investments. Secret #1 is that wealthy people take control of their finances rather than relying on banks and financial advisors. Secret #2 is that real estate offers greater returns than other investments due to leverage and cash flow. Secret #3 is that wealthy people understand risk versus reward and are willing to take on more risk for higher potential returns rather than focusing solely on guaranteed safety. The document promotes a real estate investment seminar and fund.
Could Traditional Financial Advice Be Outdated?jimkipp
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.
This document summarizes Primerica, a financial services company that serves over 6 million clients. It discusses Primerica's mission to help families become debt-free and financially independent. The document also outlines Primerica's track record of success, paying over $622 million to its sales force in 2008. It describes the opportunities available to become a representative and earn income through sales, bonuses, and building a business network.
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.
The document discusses various topics related to personal finance including:
- Most parents are uncomfortable talking to children about money, so children inherit poor financial habits.
- Many Americans feel confident in retirement planning but have not actually begun saving or do not know how much they have saved.
- The concept of compound interest is explained, showing how small amounts can grow significantly over time through compounding.
- Characteristics of millionaires are discussed such as most being college graduates and working regular jobs rather than receiving inheritances.
- The importance of starting to save early even with modest amounts is emphasized.
This document provides an overview and introduction to private equity. It begins with an introduction of the speaker and his background in private equity investments. It then defines private equity and discusses the two broad classes of buyouts and venture capital. Next, it provides an overview of the private equity market and landscape. It discusses fund structure and organization. Finally, it discusses various career options in private equity and provides a high-level question and answer agenda.
This document provides financial fitness exercises and tips for money management. It discusses compound interest and how small regular savings can grow significantly over time. It also summarizes findings about the characteristics of millionaires, including that most have college degrees, work regular hours, and received little financial help from family. True or false questions reveal that things like lottery wins and expensive cars are not typical paths to becoming a millionaire.
This document provides financial fitness exercises and tips for money management. It discusses compound interest and how small regular savings can grow significantly over time. It also summarizes findings about the characteristics of millionaires, including that most have college degrees, work regular hours, and received little financial help from family. True or false questions reveal that things like lottery wins and expensive cars are not typical paths to becoming a millionaire.
The document discusses promoting savings among lower-income Americans through the use of U.S. Savings Bonds. It notes that Americans had stopped saving in recent years and outlines challenges to saving faced by lower-income individuals. However, studies show that with assistance through programs like VITA tax preparation, lower-income individuals were able to successfully save portions of their tax refunds in savings bonds. The document argues that savings bonds are a convenient and trusted product to help lower-income Americans start saving.
The document discusses estate planning strategies and retirement planning. It provides an overview of David Kossak's background and qualifications in estate planning. It then discusses challenges such as estate taxes, the importance of life insurance, and preparing for retirement through qualified and non-qualified plans. Specific strategies mentioned include irrevocable trusts, annual gifts, life insurance trusts, and non-qualified executive retirement plans.
The document discusses promoting savings among lower-income Americans through the use of U.S. Savings Bonds. It notes that Americans had stopped saving in recent years and outlines challenges to saving faced by lower-income individuals. However, studies show that with assistance through programs like VITA tax preparation, lower-income individuals were able to successfully save portions of their tax refunds through U.S. Savings Bonds. The document advocates for encouraging savings at tax time by offering Savings Bonds as an option for refund allocation.
The document discusses promoting savings among lower-income individuals through the use of U.S. Savings Bonds. It notes that Americans had stopped saving in recent years and outlines challenges to saving faced by lower-income individuals. However, studies show that with assistance through programs like VITA tax preparation, lower-income individuals were able to successfully save portions of their tax refunds through U.S. Savings Bonds. The document argues that tax preparers are well-positioned to encourage clients to consider saving and provides information on the benefits of Savings Bonds.
The document provides information to tax preparers about promoting U.S. Savings Bonds to low and moderate income clients during tax preparation. It notes that Americans had stopped saving in recent years and discusses challenges lower-income individuals face in saving. However, studies found that with assistance, many were able to save a portion of their tax refund by purchasing savings bonds. The document encourages tax preparers to discuss savings bond options with clients and provides suggestions for starting conversations, addressing concerns, and seeking a decision on bond purchases in a respectful manner.
The document discusses promoting savings among lower-income Americans through the use of U.S. Savings Bonds purchased during tax season. It notes that Americans had stopped saving in recent years and outlines challenges to saving faced by lower-income individuals. However, studies show that with assistance from tax preparers, many were able to save part of their tax refunds in savings bonds. The document argues that tax time presents a key opportunity to encourage savings through a convenient and trusted product like savings bonds.
Financial planning involves managing one's finances through proper asset allocation to meet financial goals over time. Asset allocation involves investing a predefined percentage of savings across different asset classes like equity, debt, gold, etc. for diversification and risk management. One should determine their financial goals, risk profile, and current financial situation to develop an appropriate asset allocation strategy tailored to their needs. Regular financial planning and reviews are necessary to achieve financial health and sustainable wealth creation.
Monthly Market Risk Update: June 2024 [SlideShare]Commonwealth
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
How Poonawalla Fincorp and IndusInd Bank’s Co-Branded RuPay Credit Card Cater...beulahfernandes8
The eLITE RuPay Platinum Credit Card, a strategic collaboration between Poonawalla Fincorp and IndusInd Bank, represents a significant advancement in India's digital financial landscape. Spearheaded by Abhay Bhutada, MD of Poonawalla Fincorp, the card leverages deep customer insights to offer tailored features such as no joining fees, movie ticket offers, and rewards on UPI transactions. IndusInd Bank's solid banking infrastructure and digital integration expertise ensure seamless service delivery in today's fast-paced digital economy. With a focus on meeting the growing demand for digital financial services, the card aims to cater to tech-savvy consumers and differentiate itself through unique features and superior customer service, ultimately poised to make a substantial impact in India's digital financial services space.
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
How to Identify the Best Crypto to Buy Now in 2024.pdfKezex (KZX)
To identify the best crypto to buy in 2024, analyze market trends, assess the project's fundamentals, review the development team and community, monitor adoption rates, and evaluate risk tolerance. Stay updated with news, regulatory changes, and expert opinions to make informed decisions.
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
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.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.