A financial GPS to find the quickest route to ZERO debt, Presented by Serena ...Serena Rinaldi Lambiase
A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary
This document discusses compound interest over the course of a 30-year mortgage. It shows the breakdown of principal, interest, and balance owed monthly and yearly. It illustrates that with a $200,000 loan at 6% interest, the total repayment would be $431,677, with $231,677 of that being interest paid. The document notes that compound interest, also called the "eighth wonder of the world," can significantly increase the total cost of loans over time if interest is allowed to compound. It emphasizes the importance of making prepayments or paying off principal early to reduce the total interest paid over the life of the loan.
The Home Equity Acceleration Plan (H.E.A.P.) allows homeowners to pay off their mortgage early without changing spending habits. It works by using a home equity line of credit as the primary checking account. Any surplus in the account from lower spending pays down the line of credit, and that amount can then be re-borrowed to pay down the primary mortgage. Using this method leverages daily interest compounding and ensures every dollar is put toward debt reduction. The example client could pay off their $200,000 mortgage in 8.5 years instead of 30, saving over $177,000 in total interest costs. H.E.A.P. has no risks as long as budgets are followed,
Recreation Master Plan $10 Million Real Estate Loanacclwv
The Golden Rain Foundation of Laguna Woods is obtaining a $10 million real estate loan from Bank of America. The loan will be used to fund capital improvements and is secured by a second deed of trust on an existing property and a cash collateral account. The loan has a 15-year term with a fixed interest rate of 4.27% and equal monthly principal and interest payments. Proceeds can only be used for approved capital projects and the loan has standard financial covenants. There are no prepayment penalties except potential gains or losses from interest rate changes. The loan documents were reviewed and approved by GRF management and legal counsel.
The document discusses the importance of asking the right questions when taking out loans, specifically focusing on the total cost and payoff time rather than just the interest rate or monthly payment. It provides an example showing how paying extra toward the principal can save tens of thousands in interest costs over the lifetime of a 30-year mortgage. The document also compares conventional mortgages that use pre-computed 30-day interest against daily simple interest loans, showing how the latter option reduces costs and builds equity faster in the early years of the loan.
This document contains financial projections for Jeanette Flores' wedding planning business over its first three years, including projected sales, expenses, cash flow, and balance sheets. It forecasts steady revenue growth from $165,090 in year 1 to $145,500 in year 3 as marketing costs decrease. The pro forma financial statements project positive net income and cash flow each year and increasing total assets from $11,864 in year 1 to $15,353 in year 3.
Lyons Document Storage Corporation: Bond AccountingVijay Somu
Lyons Document Storage issued $10 million in bonds in 1999 at a discount rate of 8% when market rates were 9%. As a result, the company only received around $9.1 million in proceeds. Rene Cook, the controller, must now decide whether to issue new $10 million bonds at 6% to repay the old higher interest bonds. Issuing new bonds at a lower rate could save on interest costs over the life of the bonds. However, the company would have to pay $11.52 million to repay the old bonds immediately, resulting in a one-time loss. Remaining with the existing bonds would cost more in interest payments over time. Cook determines that issuing just $11.54 million in new bonds
Business loans starting at 5.99%. A new program that is easier than your bank. Less documents than your bank, faster credit decisions, and fast funding. Don't wait 2 to 4 months for your bank when you can get a similar loan within 3 weeks. An alternative to SBA loans. Check it out.
A financial GPS to find the quickest route to ZERO debt, Presented by Serena ...Serena Rinaldi Lambiase
A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary
This document discusses compound interest over the course of a 30-year mortgage. It shows the breakdown of principal, interest, and balance owed monthly and yearly. It illustrates that with a $200,000 loan at 6% interest, the total repayment would be $431,677, with $231,677 of that being interest paid. The document notes that compound interest, also called the "eighth wonder of the world," can significantly increase the total cost of loans over time if interest is allowed to compound. It emphasizes the importance of making prepayments or paying off principal early to reduce the total interest paid over the life of the loan.
The Home Equity Acceleration Plan (H.E.A.P.) allows homeowners to pay off their mortgage early without changing spending habits. It works by using a home equity line of credit as the primary checking account. Any surplus in the account from lower spending pays down the line of credit, and that amount can then be re-borrowed to pay down the primary mortgage. Using this method leverages daily interest compounding and ensures every dollar is put toward debt reduction. The example client could pay off their $200,000 mortgage in 8.5 years instead of 30, saving over $177,000 in total interest costs. H.E.A.P. has no risks as long as budgets are followed,
Recreation Master Plan $10 Million Real Estate Loanacclwv
The Golden Rain Foundation of Laguna Woods is obtaining a $10 million real estate loan from Bank of America. The loan will be used to fund capital improvements and is secured by a second deed of trust on an existing property and a cash collateral account. The loan has a 15-year term with a fixed interest rate of 4.27% and equal monthly principal and interest payments. Proceeds can only be used for approved capital projects and the loan has standard financial covenants. There are no prepayment penalties except potential gains or losses from interest rate changes. The loan documents were reviewed and approved by GRF management and legal counsel.
The document discusses the importance of asking the right questions when taking out loans, specifically focusing on the total cost and payoff time rather than just the interest rate or monthly payment. It provides an example showing how paying extra toward the principal can save tens of thousands in interest costs over the lifetime of a 30-year mortgage. The document also compares conventional mortgages that use pre-computed 30-day interest against daily simple interest loans, showing how the latter option reduces costs and builds equity faster in the early years of the loan.
This document contains financial projections for Jeanette Flores' wedding planning business over its first three years, including projected sales, expenses, cash flow, and balance sheets. It forecasts steady revenue growth from $165,090 in year 1 to $145,500 in year 3 as marketing costs decrease. The pro forma financial statements project positive net income and cash flow each year and increasing total assets from $11,864 in year 1 to $15,353 in year 3.
Lyons Document Storage Corporation: Bond AccountingVijay Somu
Lyons Document Storage issued $10 million in bonds in 1999 at a discount rate of 8% when market rates were 9%. As a result, the company only received around $9.1 million in proceeds. Rene Cook, the controller, must now decide whether to issue new $10 million bonds at 6% to repay the old higher interest bonds. Issuing new bonds at a lower rate could save on interest costs over the life of the bonds. However, the company would have to pay $11.52 million to repay the old bonds immediately, resulting in a one-time loss. Remaining with the existing bonds would cost more in interest payments over time. Cook determines that issuing just $11.54 million in new bonds
Business loans starting at 5.99%. A new program that is easier than your bank. Less documents than your bank, faster credit decisions, and fast funding. Don't wait 2 to 4 months for your bank when you can get a similar loan within 3 weeks. An alternative to SBA loans. Check it out.
Present Value and Future Value of a Single Sum ProblemShella Cabang
This is a presentation on the time value of money using single sum problem for different periods. The computation of the present value and future value is presented using the formula approach, the financial calculator approach, and the spreadsheet approach.
An untapped partnership: Retirement planning with HomEquity BankSteven Ranson CPA, CA
This document discusses how financial advisors can partner with HomEquity Bank to offer reverse mortgages (also known as equity release plans) to clients as part of retirement planning. Reverse mortgages allow homeowners over age 55 to access a portion of their home equity as cash without having to make monthly payments. This untapped partnership could help financial advisors increase assets under management, provide clients with stress-free retirements by protecting assets, and gain referrals. Examples are provided showing how reverse mortgages can be used for asset protection, investments, and early inheritances. The document encourages advisors to contact HomEquity Bank to learn more about partnering and receiving commissions for equity release plans.
The document analyzes accounts receivable for various customers as of December 31, 2001. It shows amounts that are not yet due, 1-30 days past due, 31-60 days past due, and over 90 days past due. It also estimates uncollectible accounts based on the age of the receivables. An alternative income statement approach to estimating credit losses is presented, along with examples of accounting entries. Metrics for evaluating accounts receivable such as accounts receivable turnover and average days to collect accounts receivable are calculated.
This document summarizes the income, expenses, assets, liabilities, and financial ratios of Samuel and Maria. It shows that their monthly surplus is $190.75. The assistant recommends they cut charitable contributions to pay off credit card debt faster. Paying off debt would allow them to save more each month to meet financial goals like an emergency fund or retirement savings. Meeting with a financial advisor could help them better manage their finances.
1) The document provides financial advice about managing money, specifically regarding cars and mortgages. It recommends paying off a car within 3 years of the loan payment and saving for the next car. For mortgages, it suggests a 15-year fixed rate for faster payoff.
2) Information is given on car depreciation schedules and total cost of ownership over time and miles. Common mortgage plans like 30-year and adjustable rates are outlined.
3) Key factors for buying a house include having 6 months of expenses saved, at least 10% down payment, being married for over a year, and allocating 25% of income to the mortgage payment. Paying extra principal helps pay off the
The church has four categories of assets totaling $3.18 million as of January 2016: 1) Externally Restricted Funds of $380,000, 2) Internally Restricted Reserves of $210,000, 3) Unrestricted Monies of $34,000, and 4) the Jackson/Magee Bequest of $2.56 million. The church is projecting a $75,000 operating deficit for 2016 and is recommending fully funding the $1.2 million church restoration project from the Jackson/Magee Bequest to refocus on operations and stewardship.
For the 2005-2006 fiscal year, the Eastern Eight Community Development Corporation assisted 17 individuals purchase $2,059,350 in homes. They completed construction of 8 rental units and housing counseling for over 200 households. They also partnered with multiple organizations and were awarded over $600,000 in grants to fund affordable housing and youth job training programs.
This document provides a 1-year performance projection for a single-family home in Dolton, IL. Key details include a purchase price of $110,000 with $27,500 downpayment and $82,500 mortgage. The projection estimates $8,493 in gross equity income for the year from $3,920 in cash flow, $1,273 in principal reduction, and $3,300 in appreciation. The home has 1,285 square feet and is expected to generate $16,800 in annual rent.
This document contains instructions and examples for calculating simple and compound interest on savings accounts. It provides the formulas for interest (I=PRT) and compound interest (Balance=P(1+r/n)^n). Examples include finding the interest on $400.60 at 1.5% annual interest over 6 months, and the balance and interest on a $800 account with 2% interest compounded quarterly after 1 year. It also includes problems involving finding compound interest over multiple years on deposits with different interest rates and compounding periods.
The document outlines a proposal for BC's Closet, a nonprofit organization that will provide professional clothing and accessories to students at Minneapolis South Brooklyn Center Campus to help with job interviews and career transitions. The organization plans to be operational by June 2012 and will obtain donations, offer retail items, and hold fundraising events to support its mission of helping graduates prepare for employment. A board of directors is in place and financial projections outline an anticipated profitable first year of operations.
How to Grow Your Self Directed IRA FasterNancy Conrad
Check out these 3 hidden but amazing strategies for building wealth inside your self directed IRA using some smart techniques. You'll learn how you can build a safe and secure retirement income by becoming 'the bank.'
The document describes accounting transactions made by WorldByte, a business owned by Rinku Nahar Hossan, during the month of June 2018. It includes 13 transactions ranging from investing cash to paying expenses. Key financial statements are presented: the income statement shows a net income of $3,950, the owner's equity statement tracks contributions and drawings, and the balance sheet balances at $23,300 in assets equal to liabilities and owner's equity.
Capital Campaign Report for December 2015Bert Cloud
Rooted in Faith Capital Campaign Report by Henry Bennett on 13 December 2015. And, it continues to be good news for Warwick Memorial United Methodist Church
The document discusses how banks make money by lending out deposits and collecting interest. It notes that banks can use the same dollars over and over by lending out money as it is paid back through loans and interest. This allows the money to be "recycled" or have high "velocity" as more loans are issued. The document then explains how an individual can replicate this process by becoming their own bank - borrowing from themselves to make purchases and paying themselves back with interest over time, thus accumulating more capital that can be reused to purchase more items. In doing so, they can acquire more goods than the original amount invested and see their capital grow significantly over several years just like a real bank.
Debt Free Life Final Power Point 02 2020 Nate Auffort
The document provides information about the real costs of interest on mortgages over 30 years. It shows the breakdown of principal, interest, and total paid each year for a $300,000 mortgage with a 3.75% interest rate. Over the full 30 years, the total interest paid is $200,163.93, which is over 66% of the original loan amount. The document also compares this to the costs of a hypothetical 37.5% interest mortgage to illustrate the impact of higher interest rates.
This document summarizes key Social Security, Medicare, and retirement plan limits for 2017 and 2018. For Social Security, the wage base and maximum annual benefit increased slightly, as did annual retirement earnings limits. For Medicare, premiums and deductibles increased modestly. For retirement plans, the compensation limit and contribution limits increased, with the defined benefit plan limit rising to $220,000. Health savings account contribution and deductible/out-of-pocket expense limits also increased for individual and family coverage.
The document discusses the changing mail and shipping landscape and forecasts for the US Postal Service (USPS). It notes that while USPS has been operating at a loss due to pre-funding retiree health benefits, it has actually been profitable when excluding this mandate. The summary also notes that rural delivery points are growing quickly, with over 800,000 new delivery points added annually on average. Finally, it concludes that USPS will need to take action such as monetizing mailbox access, adjusting delivery frequency, allowing workers to join Medicare, and offering new services to adapt to changes in mail volume and revenue.
The 2012 Annual Meeting of the Maine State Golf Association (MSGA) covered the following:
1) Introductions and dinner were held to start the meeting.
2) The President, Rondel Reynolds, called the meeting to order and attendance was taken of voting clubs.
3) Reports were given on the finances/treasurer's report, MSGA Brian Bickford Scholarship Fund, the President's activities, the Executive Director's activities.
4) An election was held for the nominated slate of Directors, and the meeting was adjourned.
The document analyzes two options for consolidating credit card debt: 1) refinancing the home mortgage and 2) taking out a second mortgage. For both options, the analysis calculates the reduced monthly payment, break-even point, and total interest paid over the loans. It was determined that neither option provided significant savings to outweigh the costs of refinancing. The original mortgage was determined to be the best option over refinancing or a second mortgage.
This document contains accounting information related to notes receivable. It includes entries for accepting a note receivable from a customer by debiting notes receivable and crediting accounts receivable. It also provides instructions for collecting principal and interest on a note receivable by recording the date, account titles, receipt number, amounts, and maturity value. Additionally, it outlines how to record a dishonored note receivable by debiting accounts receivable and crediting notes receivable and interest income.
This document provides tips and advice for becoming a master closer based on the movie "Glengarry Glen Ross." It emphasizes the importance of closing deals through persistence and belief in one's product or service. Some key points include:
- To earn "coffee" or commissions, one must learn and follow the rules of becoming a closer through preparation, drilling techniques, and rehearsing closes.
- It is crucial to fully believe in what you are selling and be convinced of its value to insist on the sale passionately enough to close reluctant customers.
- Closing requires training hard to make it easy through practicing techniques until one can argue, disagree, and negotiate with a smile.
Present Value and Future Value of a Single Sum ProblemShella Cabang
This is a presentation on the time value of money using single sum problem for different periods. The computation of the present value and future value is presented using the formula approach, the financial calculator approach, and the spreadsheet approach.
An untapped partnership: Retirement planning with HomEquity BankSteven Ranson CPA, CA
This document discusses how financial advisors can partner with HomEquity Bank to offer reverse mortgages (also known as equity release plans) to clients as part of retirement planning. Reverse mortgages allow homeowners over age 55 to access a portion of their home equity as cash without having to make monthly payments. This untapped partnership could help financial advisors increase assets under management, provide clients with stress-free retirements by protecting assets, and gain referrals. Examples are provided showing how reverse mortgages can be used for asset protection, investments, and early inheritances. The document encourages advisors to contact HomEquity Bank to learn more about partnering and receiving commissions for equity release plans.
The document analyzes accounts receivable for various customers as of December 31, 2001. It shows amounts that are not yet due, 1-30 days past due, 31-60 days past due, and over 90 days past due. It also estimates uncollectible accounts based on the age of the receivables. An alternative income statement approach to estimating credit losses is presented, along with examples of accounting entries. Metrics for evaluating accounts receivable such as accounts receivable turnover and average days to collect accounts receivable are calculated.
This document summarizes the income, expenses, assets, liabilities, and financial ratios of Samuel and Maria. It shows that their monthly surplus is $190.75. The assistant recommends they cut charitable contributions to pay off credit card debt faster. Paying off debt would allow them to save more each month to meet financial goals like an emergency fund or retirement savings. Meeting with a financial advisor could help them better manage their finances.
1) The document provides financial advice about managing money, specifically regarding cars and mortgages. It recommends paying off a car within 3 years of the loan payment and saving for the next car. For mortgages, it suggests a 15-year fixed rate for faster payoff.
2) Information is given on car depreciation schedules and total cost of ownership over time and miles. Common mortgage plans like 30-year and adjustable rates are outlined.
3) Key factors for buying a house include having 6 months of expenses saved, at least 10% down payment, being married for over a year, and allocating 25% of income to the mortgage payment. Paying extra principal helps pay off the
The church has four categories of assets totaling $3.18 million as of January 2016: 1) Externally Restricted Funds of $380,000, 2) Internally Restricted Reserves of $210,000, 3) Unrestricted Monies of $34,000, and 4) the Jackson/Magee Bequest of $2.56 million. The church is projecting a $75,000 operating deficit for 2016 and is recommending fully funding the $1.2 million church restoration project from the Jackson/Magee Bequest to refocus on operations and stewardship.
For the 2005-2006 fiscal year, the Eastern Eight Community Development Corporation assisted 17 individuals purchase $2,059,350 in homes. They completed construction of 8 rental units and housing counseling for over 200 households. They also partnered with multiple organizations and were awarded over $600,000 in grants to fund affordable housing and youth job training programs.
This document provides a 1-year performance projection for a single-family home in Dolton, IL. Key details include a purchase price of $110,000 with $27,500 downpayment and $82,500 mortgage. The projection estimates $8,493 in gross equity income for the year from $3,920 in cash flow, $1,273 in principal reduction, and $3,300 in appreciation. The home has 1,285 square feet and is expected to generate $16,800 in annual rent.
This document contains instructions and examples for calculating simple and compound interest on savings accounts. It provides the formulas for interest (I=PRT) and compound interest (Balance=P(1+r/n)^n). Examples include finding the interest on $400.60 at 1.5% annual interest over 6 months, and the balance and interest on a $800 account with 2% interest compounded quarterly after 1 year. It also includes problems involving finding compound interest over multiple years on deposits with different interest rates and compounding periods.
The document outlines a proposal for BC's Closet, a nonprofit organization that will provide professional clothing and accessories to students at Minneapolis South Brooklyn Center Campus to help with job interviews and career transitions. The organization plans to be operational by June 2012 and will obtain donations, offer retail items, and hold fundraising events to support its mission of helping graduates prepare for employment. A board of directors is in place and financial projections outline an anticipated profitable first year of operations.
How to Grow Your Self Directed IRA FasterNancy Conrad
Check out these 3 hidden but amazing strategies for building wealth inside your self directed IRA using some smart techniques. You'll learn how you can build a safe and secure retirement income by becoming 'the bank.'
The document describes accounting transactions made by WorldByte, a business owned by Rinku Nahar Hossan, during the month of June 2018. It includes 13 transactions ranging from investing cash to paying expenses. Key financial statements are presented: the income statement shows a net income of $3,950, the owner's equity statement tracks contributions and drawings, and the balance sheet balances at $23,300 in assets equal to liabilities and owner's equity.
Capital Campaign Report for December 2015Bert Cloud
Rooted in Faith Capital Campaign Report by Henry Bennett on 13 December 2015. And, it continues to be good news for Warwick Memorial United Methodist Church
The document discusses how banks make money by lending out deposits and collecting interest. It notes that banks can use the same dollars over and over by lending out money as it is paid back through loans and interest. This allows the money to be "recycled" or have high "velocity" as more loans are issued. The document then explains how an individual can replicate this process by becoming their own bank - borrowing from themselves to make purchases and paying themselves back with interest over time, thus accumulating more capital that can be reused to purchase more items. In doing so, they can acquire more goods than the original amount invested and see their capital grow significantly over several years just like a real bank.
Debt Free Life Final Power Point 02 2020 Nate Auffort
The document provides information about the real costs of interest on mortgages over 30 years. It shows the breakdown of principal, interest, and total paid each year for a $300,000 mortgage with a 3.75% interest rate. Over the full 30 years, the total interest paid is $200,163.93, which is over 66% of the original loan amount. The document also compares this to the costs of a hypothetical 37.5% interest mortgage to illustrate the impact of higher interest rates.
This document summarizes key Social Security, Medicare, and retirement plan limits for 2017 and 2018. For Social Security, the wage base and maximum annual benefit increased slightly, as did annual retirement earnings limits. For Medicare, premiums and deductibles increased modestly. For retirement plans, the compensation limit and contribution limits increased, with the defined benefit plan limit rising to $220,000. Health savings account contribution and deductible/out-of-pocket expense limits also increased for individual and family coverage.
The document discusses the changing mail and shipping landscape and forecasts for the US Postal Service (USPS). It notes that while USPS has been operating at a loss due to pre-funding retiree health benefits, it has actually been profitable when excluding this mandate. The summary also notes that rural delivery points are growing quickly, with over 800,000 new delivery points added annually on average. Finally, it concludes that USPS will need to take action such as monetizing mailbox access, adjusting delivery frequency, allowing workers to join Medicare, and offering new services to adapt to changes in mail volume and revenue.
The 2012 Annual Meeting of the Maine State Golf Association (MSGA) covered the following:
1) Introductions and dinner were held to start the meeting.
2) The President, Rondel Reynolds, called the meeting to order and attendance was taken of voting clubs.
3) Reports were given on the finances/treasurer's report, MSGA Brian Bickford Scholarship Fund, the President's activities, the Executive Director's activities.
4) An election was held for the nominated slate of Directors, and the meeting was adjourned.
The document analyzes two options for consolidating credit card debt: 1) refinancing the home mortgage and 2) taking out a second mortgage. For both options, the analysis calculates the reduced monthly payment, break-even point, and total interest paid over the loans. It was determined that neither option provided significant savings to outweigh the costs of refinancing. The original mortgage was determined to be the best option over refinancing or a second mortgage.
This document contains accounting information related to notes receivable. It includes entries for accepting a note receivable from a customer by debiting notes receivable and crediting accounts receivable. It also provides instructions for collecting principal and interest on a note receivable by recording the date, account titles, receipt number, amounts, and maturity value. Additionally, it outlines how to record a dishonored note receivable by debiting accounts receivable and crediting notes receivable and interest income.
This document provides tips and advice for becoming a master closer based on the movie "Glengarry Glen Ross." It emphasizes the importance of closing deals through persistence and belief in one's product or service. Some key points include:
- To earn "coffee" or commissions, one must learn and follow the rules of becoming a closer through preparation, drilling techniques, and rehearsing closes.
- It is crucial to fully believe in what you are selling and be convinced of its value to insist on the sale passionately enough to close reluctant customers.
- Closing requires training hard to make it easy through practicing techniques until one can argue, disagree, and negotiate with a smile.
This document discusses strategies for guaranteed retirement income. It begins by identifying harmful risks as the first priority, rather than immediately seeking investment opportunities. It then discusses how volatility in the markets can make it difficult to achieve retirement goals, and how diversification alone may not sufficiently reduce risk. The document suggests that the traditional "4% withdrawal rule" no longer applies for most retirees due to increased market volatility. It presents alternatives like guaranteed lifetime income products that can provide protected retirement income without market risk.
More than 105,000 people in the U.S. are waiting for an organ transplant, with over 6,500 dying each year before receiving one due to shortages. The author's father received a life-saving kidney and pancreas transplant after suffering from diabetes and organ failure for many years. To help connect those in need of transplants with donors and their families, the author proposes developing a mobile app called TransplantMe. The app would function as a social network to provide support groups and show that patients are not alone. It could help transplant patients, donors, and family members alike.
This document provides tips on how to effectively learn and retain information. It explains that without review, people forget 50-80% of what they learn within 48 hours. However, spending just 10 minutes reviewing within 24 hours can raise retention to almost 100%. The tips recommend applying information right away, teaching others, setting a regular study time each day, reading material multiple times, taking notes while watching videos, and doing quick daily reviews to retain information over the long term.
Este documento describe el papel y objetivos de la supervisión escolar. Explica que la supervisión es importante para guiar y apoyar a los docentes y asegurar que las escuelas cumplan con los objetivos educativos. También ayuda a los docentes a mejorar sus métodos de enseñanza. El documento resalta que la supervisión debe ser positiva y de apoyo, no punitiva. Los supervisores deben observar las aulas para evaluar la calidad de la enseñanza y proveer orientación para mejorar.
This document includes the copyright page and dedication of a novel by Chetan Bhagat. It acknowledges the author's rights and lists dedications to his mother, the Ganges River, Indian students, and readers. It also thanks various people who supported the writing and publication of the book.
1. El documento describe las funciones cognitivas y cómo cambian con la edad, incluyendo la inteligencia, la memoria, el lenguaje y la orientación. 2. Específicamente, discute cómo la velocidad de procesamiento, la memoria operativa, los procesos de control ejecutivo y la memoria a largo plazo se ven afectados por el envejecimiento. 3. También analiza factores motivacionales importantes para el aprendizaje en personas mayores como responder a necesidades, personalización, participación activa y aprendizaje significativo
La Unión Europea ha anunciado nuevas sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen prohibiciones de viaje y congelamiento de activos para más funcionarios rusos, así como restricciones a las importaciones de productos rusos de acero y tecnología. Los líderes de la UE esperan que estas medidas adicionales aumenten la presión sobre Rusia para poner fin a su guerra contra Ucrania.
Microsoft word 4 paragraphs 4.6 paragraph development -writing topic, suppo...Eliana Defaur Gutierrez
This document discusses paragraph structure and provides examples of how to write paragraphs with a clear topic sentence, supporting sentences, and concluding sentence. It demonstrates how to write three supporting sentences and one concluding sentence for given topic sentences. The purpose is to help learn how to develop well-structured paragraphs that stay focused on the main idea.
This document provides an overview of hierarchical network design principles and models. It discusses:
1) Hierarchical network design involves categorizing networks based on device count and dividing networks into access, distribution, and core layers.
2) Access layers provide user access, distribution layers provide connectivity and policy controls, and core layers provide fast transport.
3) Modular and hierarchical designs improve flexibility, management, and scalability. Common modules include campus, enterprise edge, data centers, and remote sites.
Dokumen tersebut membahas tentang fungi/jamur, meliputi ciri-ciri, reproduksi, klasifikasi, peran bagi kehidupan manusia, dan simbiosis jamur. Secara ringkas, fungi adalah organisme heterotrof yang mereproduksi secara aseksual dan seksual, diklasifikasi ke dalam beberapa kelompok, dan berperan dalam produksi antibiotik, tempe, serta simbiosis seperti lumut kerak dan mikoriza.
La comunicación interventricular (CIV) es un defecto cardíaco congénito que causa un cortocircuito de sangre de izquierda a derecha. Existen 4 tipos principales de CIV. La CIV se diagnostica con ecocardiograma y su tratamiento depende del tamaño y síntomas, incluyendo medicamentos o cirugía. La CIV pequeña a menudo no requiere tratamiento, mientras que las CIV medianas o grandes pueden requerir medicamentos o cirugía para prevenir complicaciones.
Este documento presenta tres estrategias para optimizar el uso de las TICs en la práctica docente con el fin de mejorar el proceso de aprendizaje:
1) Los docentes deben superar dificultades técnicas y didácticas para articular las TICs al proyecto educativo institucional y reformular la práctica pedagógica desde un enfoque constructivista.
2) Se recomienda aprovechar herramientas de visualización y comunicación para pasar de una enseñanza tradicional a una más flexible y
The document discusses a mortgage management account (MMA) software program developed by Accelerated Equity & Development to help homeowners pay off their mortgages early. The MMA program was tested successfully with 400 homeowners in Denver, reducing their mortgage payoff time by an average of 10-15 years. The MMA works by maximizing the performance of homeowners' money through optimizing various accounts and performing periodic funds transfers to pay down the principal on their mortgage.
The document discusses a software program called the Money Merge Account (MMA) that helps homeowners pay off their mortgages much faster by leveraging the interest-canceling effects of a home equity line of credit (HELOC). It provides examples of families eliminating 30-year mortgages in 10-12 years while maintaining their standard of living. The MMA software analyzes users' financial situations and recommends monthly funds transfers and prepayments that reduce interest costs substantially.
This is an opportunity that the american people can learn how to bank like a bank. Think when the back close they don\'t use no one to move money. They use a sophisticated software solutions to move and grow money. They use a Mathematical Algorithm. So, if a bank uses Algorithms to build wealth why can\'t the consumer can use an Algorithm to save money and build wealth. Contact me I can show you how you can do this just with your income you bring home now.
The document discusses a mortgage acceleration program called the Net Worth Account that aims to help homeowners pay off their mortgages faster and save on interest. It works by using a home equity line of credit or similar account to make extra principal payments on the mortgage. On average, homeowners who use the program can save over $45,000 in interest and pay off their 30-year mortgage in under 11 years. The program is administered through a web-based software service that optimizes payments to maximize interest savings over time.
Mark and Joyce are reviewing their financial situation. Mark earns $3,960 per month and Joyce earns $3,125 per month for a total monthly income of $7,085. They have various debts including credit cards and a mortgage. Their monthly debt payments total $2,177. They have $33,600 in a 401(k) and their home is valued at $210,000. Tracking their spending has helped them identify areas to reduce expenses and pay down debts faster. Their goal is to retire by age 65 with adequate savings.
The document discusses ways for homeowners to reduce their home loan interest payments through extra payments, prepayments, and refinancing. It provides examples showing that homeowners could end up paying 2.16 times their original loan amount in interest over the full 30-year term due to interest accumulation. However, strategies like making extra monthly payments, lump sum prepayments, or refinancing can significantly reduce total interest costs and help pay off the loan faster.
This document provides an overview of GhostBox, a proposed subscription service that curates and delivers cannabis products to subscribers. It discusses GhostBox's business model of generating revenue through subscription box sales and follow-up product purchases. Financial projections show GhostBox achieving $2.77 million in revenue in year 1 and growing to $369.85 million in year 4 as the subscriber base increases. The team biographies introduce the founders and their relevant experience in branding, operations, supply chain, and growing startups.
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This presentation was delivered at the April 23, 2009 Smart-ups event in Eugene, OR by Dan Vishny (CFO for two start-ups companies). Dan is also known for having one of the top 10 best scores on the CPA exam - for the entire U.S.A.!
The document describes the Money Merge Account program, which uses four strategies - interest cancellation, strategic payoff, time value of money, and software/coaching - to help customers pay off debts faster. It provides examples of how the strategies work and results customers have achieved in saving tens of thousands in interest and becoming debt free years earlier. The program is offered through United First Financial and requires minimum use of checking and savings accounts to facilitate moving money between accounts strategically.
The document provides information on integrating financial statements for startups. It discusses the importance of having accurate income statements, balance sheets, and cash flow statements to understand business profitability, stability, and liquidity. Common mistakes made by startups are listed, such as not understanding revenue drivers or underestimating costs. Recommendations are given for financial statement formats and assumptions. Sample financial statements including income statements, balance sheets, and cash flow statements are presented for a fictional startup called EZ Vein over a five year period.
The document discusses various financial services offered by UFirst Alliance to help clients achieve financial freedom through debt cancellation, increased cash flow, emergency savings, insurance, long-term savings, and estate planning. It provides examples of how small regular investments over long periods of time can significantly grow retirement savings compared to starting later. Clients work with UFirst agents to identify specific needs and strategies.
The document shows weekly and monthly sales performance metrics for a salesperson including budgeted sales, appointments made, closes achieved, actual sales amounts, variances, and close ratios. The salesperson exceeded the monthly sales goal for January with total invoiced sales of $94,394 and gross profit of $58,927 after accounting for cost of goods and overhead expenses.
The document outlines the marketing plan for NSA/Juice Plus+ which includes 3 ways to earn income: retail profit, commissions, and bonuses for building a team. It details the compensation structure including bonuses and leadership positions. Distributors can qualify for wholesale commissions and bonuses in various ways including personal volume, legs in their downline, and open downline volume. The plan emphasizes there is no limit to growth or income potential by building a large team structure.
This document describes a no credit check financing program that provides instant credit lines to customers in wireless stores to enable the purchase of smartphones, tablets and accessories. The program claims an 80% approval rate for credit lines up to $2,400 paid back over 12 months, requires no credit check on dealers, and guarantees payment to dealers within 2-4 business days with no chargebacks. It is available in 46 states excluding New Jersey, Minnesota, Vermont and Wisconsin.
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BriansClub.cm, a famous platform on the dark web, has become one of the most infamous carding marketplaces, specializing in the sale of stolen credit card data.
Discover innovative uses of Revit in urban planning and design, enhancing city landscapes with advanced architectural solutions. Understand how architectural firms are using Revit to transform how processes and outcomes within urban planning and design fields look. They are supplementing work and putting in value through speed and imagination that the architects and planners are placing into composing progressive urban areas that are not only colorful but also pragmatic.
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Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
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In a world where the potential of youth innovation remains vastly untouched, there emerges a guiding light in the form of Norm Goldstein, the Founder and CEO of EduNetwork Partners. His dedication to this cause has earned him recognition as a Congressional Leadership Award recipient.
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This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
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Dive into this presentation and learn about the ways in which you can buy an engagement ring. This guide will help you choose the perfect engagement rings for women.
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On episode 272 of the Digital and Social Media Sports Podcast, Neil chatted with Brian Fitzsimmons, Director of Licensing and Business Development for Barstool Sports.
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2. Why Worth Unlimited???
• The Product
Amazing financial tool
• Target Market
Who has debt???
• Method of Distribution
No selling
• Lucrative Income Stream
Full or part time income from day one
3. Currently
Over 70, 000 clients using the Worth Account
To become DEBT FREE!!!
Realized significance and problem with debt
Launched first version of the Worth Account 2004
Started in the Mortgage industry in 1997
One of Utah’s fastest growing companies in 3 years
Denver Beta Test
400 homeowners test. Average client
20% ahead of schedule
Our Story
5. 1. Accelerated Mortgage Payoff
2. Strategic Debt Payoff
3. The Worth Account, Coaching
and Education
Three Strategies of The Worth Account
6. $199.10 $1,000.00
Principle Interest Balance Equity Paid
Month 1
Month 2
Year 1
Year 5
Year 10
Year 21
Year 30
$200.10 $999.00
$210.33 $988.77 $197,543 $2,457 $14,389
$267.22 $931.88 $186,108 $13,891 $71,946
$360.44 $838.66 $167,371 $32,628 $143,891
$696.23 $502.89 $100,573 $99,436 $300,947
$431,677
Principal Balance:
Interest Rate:
30 Year:
Monthly Payment:
$200,000
6%
360 Months
$1,199.10
7. $ 1,199 First monthly payment
$ 5,000 Additional principal
$ 6,199 Total first payment
Sending Extra Principal
8. $195,000 New principal loan balance
6% Interest rate
$1,199 Monthly payment
337 Months (eliminated 23 payments)
$231,677 Original interest paid
$203,373 New interest paid
$ 28,304
-$ 5,000 Additional principal payment
$ 23,304 Interest Cancellation
$200,000 Original loan balance
Interest Cancellation
9. • Home Equity Line of Credit
• Personal Line of Credit
• Commercial Line of Credit
• Secured Line of Credit
• Credit Card
Checking and Savings Accounts
Worth Account LOC’s
14. $5,000 Monthly “net” income
-$4,000 Living expenses
$1,000 Discretionary income
Monthly Budget
15. Worth Account $3,500
Expenses $4,000
$7,500
Income $5,000
Ending Balance $2,500 $20.83
Starting Balance $2,500
Expenses $4,000
$6,500
Income $5,000
Ending Balance $1,500 $12.50
Month1Month2
Price is based on a percentage of how much
Interest the Worth Account will save you
___________________________________________
Worth Account $750 up to $3,495
16. $34.80
3 month total
$68.13
Reduced mortgage by
18 months
Interest Cancellation
$17,249
Month3
Starting Balance $1,500.00
Expenses $4,000.00
$5,500.00
Income $5,000.00
Ending Balance $ 500.00
Funds Transfer $3,675.77
Ending Balance $4,175.77
27. Loan amount: $200,000
Worth Account Conventional Program
Starting balance $200,000
Balance in 1 year:
10.4 years
$70,422
30 years
$231,677
$200,000
Balance in 5.5 years:
Repayment time
Total interest
paid
Total interest savings:
$161,255
$184,811 $184,752
Balance in 1 year:
$197,543
28.
29. • Live transaction updates
• True Cost
• Simple to update
• Provides tracking tool
• Functions as an account register
• How much money is coming in
• How much money is going out
• Tracks your monthly budget
• Improves your Credit Score
• Includes continuous customer
support, coaching and education
Strategy #1 > Accelerated Mortgage Payoff
The Worth Account Program
31. How Would You Pay This Off?
$15,538
8.25%
$233.00
Credit Card
Balance
$4,309
6.125%
$64.64
Furniture
$27,753
6%
$333.06
Trailer Loan
$42,296
6.75%
$748.54
Auto Loan
$226,183
6.5%
$1,453.76
Mortgage $7,753
6.125%
$125.42
ATV Loan
theBANK
Strategy #2 > Strategic Debt Payoff
32. • Amount owed
• Length of debt
• Interest rate
• Calculation of Payment
• Adjusting Rates
Strategic Payoff
Looks at the characteristic’s of each debt
including: