Personal Financial Planning - 4532 Words

Personal Financial Planning Executive Summary Further to our recent discussions, the following is a detailed analysis of your current financial position and recommended action plan for achieving your stated financial goals. Key findings are summarized below and detailed supporting financials are provided in Appendices I thru VI. As at March 31, 2011, your total net worth/equity is estimated at $22,090. In reviewing the details of your assets and liabilities, with all other personal assets fully leveraged, this net worth is comprised primarily of the value of your household contents. While these household items are valued at a replacement cost of $25,000 on the family balance sheet, these items could not be sold for this amount to†¦show more content†¦Other assumptions include: o The TDS ratio prior to the second mortgage well exceeded the 40% threshold, which is why RBC or similar large banks would not extend any further credit to the Chang family o Combined balances owing on the credit cards and line of credit (e.g. Other Debts) were an estimated $55,000; this included the amount for the renovations of $10,000; the balance was reduced to $20,000 in February 2011 with the funds received from the second mortgage o Cash Outflows for payments for Other Debt were an estimated $850 each month prior to securing the second mortgage (i.e, April/10 to February/11) o Chang family funded the cash shortfall each month by using credit cards and their line of credit Assets †¢ Cash and Investments - current balances in TD chequing account and mutual fund investments of $1,000 respectively o Given their current financial situation, this family would have only a minimum amount of liquid assets; if they had anything substantial they would have used it to pay down a portion of their outstanding debt †¢ RRSP, RESP, Company Pension Plan – nil o As noted above, given the family’s current financial position, they have not had the cash flow for any investment for retirement or children’s education fund †¢ Car – asset of $12,000 o Reflects current market value for a 2007 Honda Accord purchased 2Show MoreRelatedPersonal Financial Planning1579 Words   |  7 PagesADM 3445 (FR01B) Personal Financial Planning Course Outline Instructor: E. Otuteye Term: Winter 2012 Office: SH 362 Day(s): W Phone: 506 458-7354 Time: 7:00-9:50pm Email: otuteye@unb.ca Classroom: SH 161 Office hours: Th, F 2:00 – 3:00; by appointment; also, usually available immediately after class. COURSE OBJECTIVE AND DESCRIPTION: The objective of this course is to introduce students to 1. the fundamental principles of financial decision-making; and Read MorePersonal Financial Planning : Retirement Planning Essay914 Words   |  4 PagesPersonal Financial Planning - Retirement Planning By Aaron Lau | Submitted On February 19, 2010 Recommend Article Article Comments Print Article Share this article on Facebook Share this article on Twitter Share this article on Google+ Share this article on Linkedin Share this article on StumbleUpon Share this article on Delicious Share this article on Digg Share this article on Reddit Share this article on Pinterest Advances in medical science have resulted in people living longer. ThisRead MoreWhat Is Personal Financial Planning?946 Words   |  4 PagesWhat is Personal financial planning? Personal financial planning is the process of managing your money to achieve personal economic satisfaction (McGraw-Hill, 2010). Did you know that financial decisions affect people and their living situations due to age, their income, health and household size (McGraw-Hill, 2010)? Well, that is why financial planning plays a major part in society today. When trying to obtain a balanced lifestyle you have to follow the Personal financial planning process: figureRead MorePersonal Finance Planning : The Financial Management999 Words   |  4 PagesPersonal Finance Planning Introduction Personal Finance is the financial management which an person or a family unit performs to spending plan, spare, and invest fiscal assets over time, considering different monetary risks and future life events (Salohalla, 2011). Like many people, you have seeks and dreams and life objectives after yourself and your crew. These might incorporate purchasing a home or business, putting something aside for school instruction for your youngsters, taking a fantasyRead MorePersonal Financial Planning Assignment 16789 Words   |  28 Pages Daniel age 51 Three kids – Patty (6), Kobe (9) and Gordon (12). They have come to you for advice on how to manage their risk. They have provided you with the following information about their family. Maria and Daniel both work in the financial services industry, which is how they initially met. Daniel was working as a Sales Representative for a mutual fund company and Maria was his Inside Sales Associate. They continue to work for the same firm; however, Daniel is now VP of sales earningRead MorePersonal Financial Goals And Objectives Essay1044 Words   |  5 PagesFinancial Plan is a written financial goal with define action plans that will help you to achieve such goals. Planning is important to set deliberate actions that will guide you in reaching your goals. It is even necessary when you are further from the set goal. When it comes to money, most individuals would love to manage their personal finances so that they achieve maximum satisfaction from each available currency. To achieve this goal, you must first identify the financial goals and set prioritiesRead MoreLocker Room Talk969 Words   |  4 Pagesan ethical dilemma for CPA Albert Gable who has performed personal financial planning for Larry and Susan Wilson. The Wilson’s, in their discussions with Mr. Gable regarding their personal finances, mentioned that in the past they have had marriage problems but have worked through the problems and are not seeking a divorce. Gable and the Wilson’s became personal friends due to the relationship built during their personal financial planning. Mr. Gable also performs the annual audit for one of theRead MoreFp101 Week 1 Dq Answers1559 Words   |  7 PagesOne DQ 1   Post a 150- to 300-word response to the following discussion question by clicking on Reply:   Refer to Figure 1-1 of Personal Finance. List the five steps in the personal financial planning process. Share one or two questions you may ask yourself when you are in Step 1.   According to Figure 1-1 of Personal Finance, the five steps in the personal financial planning process are: Step 1 – Analyze your current finances, Step 2 – Develop goals, Step 3 – Identify and evaluate strategiesRead MoreWeek 1 Personal Finance Plan Worksheet998 Words   |  4 PagesPhoenix Material Personal Financial Planning Worksheet Directions Based on your readings and discussions in class this week, answer the following multiple choice questions. 1. The process of creating a detailed plan to meet your financial needs and prepare for the future is called b. personal financial planning. 2. Which of the following is not one of the five major steps of the financial planning process? c. collect and organize your financial information 3Read MorePersonal Finance : Using Accounting Principles Of Paying For Or Financing A Life And A Way Of Living808 Words   |  4 Pagesknow that â€Å"personal finance is the process of paying for or financing a life and a way of living.† That said, we also know that using accounting principles to manage our personal finances will likely yield great success in one’s tracking and planning, financially, in the long run. Understanding the sources (incomes) and uses (expenses) of funds, and the budget deficit/surplus that results, are core accounting measures to consider in short and long term personal financial planning. Also, grasping

A Comprehensive Analysis Behind The Law And Ethics Of The...

A Comprehensive Analysis behind the Law and Ethics of the Shelf Life Extension Program Background Within the last two decades, the United States has witnessed a dramatic increase in bioterrorism, including Sarin gas attacks in Tokyo, the anthrax attacks post-September 11th (Bodas, et al., 2012). To prepare for a potential bioterrorism attack, or large-scale national emergency, large supplies of pharmaceuticals and medical supplies are stockpiled (Lyon, Taylor, Porter, Prasanna, Hussain, 2006). This stockpiling of medical supplies is a crucial aspect of the Medical Readiness Strategic Plan, established under the Department of Defense Health Affairs and the Military Medical Departments (Lyon, Taylor, Porter, Prasanna, Hussain, 2006) MORE Contrariwise to national preparedness, preserving large quantities of medical supplies and medications can be costly, and frequent replacement of resources due to manufacturer shelf-life expiration dates has proven to be a great challenge. Historical Perspective In 1981, the United States Military began stockpiling large quantities of critical pharmaceuticals and medical supplies (Khan, et al., 2014). Following an audit of the stockpile in 1985, the Government Accountability Office found that $9 million of medications were about to reach their labeled expiration date, and would need to be discarded (Khan, et al., 2014). This audit exposed the extraordinary costs associated with the replacement of expired medications, and in an effort toShow MoreRelatedProject Management15109 Words   |  61 Pagesbeen the initiation and growth of a large number of new programs projects in every field like Since the 1950s the development agenda has been agriculture, irrigation, industry, community characterized by projects and programs aimed at improving the quality of life of beneficiary communities, development and social welfare etc.. The principle be it in physical or qualitative terms. Despite significant aims and objectives of all these programs have been inputs of human and financial resources, manyRead MoreKellogg Annual Report50191 Words   |  201 PagesDePenDAble 11 Leadership Financials/Form 10-K Brands and Trademarks 1 Selected Financial Data 12 Financial Statements 27 â„ ¢ strength of the â„ ¢ Table of ConTenTs 4 Financial Highlights 6 Letter to Shareowners Management’s Discussion Analysis 13 Notes to Financial Statements 31 Shareowner Information and â„ ¢ PeRFoRmAnCe â„ ¢ FoR moRe thAn A CentuRy, Kellogg Company has been dedicated to producing great-tasting, high-quality, nutritious foods that consumers around the worldRead MoreLibrary Management204752 Words   |  820 PagesThe LIS Education and Human Resource Utilization Policy . . . . . . . . . . . . . . . . . . . . . 213 The Organizational Framework for Staffing . . . . . . . . . 216 Job Descriptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 219 Job Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 220 Job Evaluation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 222 Recruitment and Hiring . . . . . . . . . . . . . . . . . . . . . . . . 224 Filling Vacant PositionsRead MoreHeineken Swot Analysis10783 Words   |  44 Pagesand Porter five force analyze the threats as well as opportunities of Heineken in suppliers, buyers, competitors, substitutes and new entrant. OT factors in SWOT analysis also use to define in chapter 1 for threats and opportunities of the company. Chapter 2 describes strengths and weaknesses in the company operation through the analysis of internal environment such as company resources, organizational structure and culture. The resources with include tangible, intangible, management capability andRead MoreMarketing Management130471 Words   |  522 PagesIntroduction 2. Learning Objectives 3. Marketing Management 3.1. Evolution of marketing management 3.2. The Role of Marketing 3.3. Marketing concepts 3.4. The Marketing Mix (The 4 P s Of Marketing) 3.5. Corporate Social Responsibility (CSR) and Ethics in Marketing 4. Have you understood type questions 5. Summary 6. Exercises 7. References 1. INTRODUCTION: The apex body in United States of America for the Marketing functions, American Marketing Association (AMA) defines marketing as â€Å"Marketing consistsRead MoreDebonairs Pizza Product-Market Expansion Growth Strategies27204 Words   |  109 Pagesassignments 8.1.3 Submission of assignments by e-mail 8.1.4 General guidelines to submission of assignments 8.1.5 Policy regarding group assignments and plagiarism 8.1.6 Acknowledgement of receipt of assignments 8.1.7 Release of assignment results 8.1.8 Extension of submission dates 8.1.9 Late submission of assignments 8.1.10 Re-submission of assignments 8.1.11 Re-marking of assignments 8.1.12 Assi gnment cover sheet 8.2 Assignment submission dates 8.3 Assignment questions - Human Resource Management - ManagementRead MoreInformation Technology Implementation Issues: an Analysis45771 Words   |  184 PagesIssues: An Analysis Suzanne Beaumaster Dissertation submitted to the Faculty of the Virginia Polytechnic Institute and State University in partial fulfillment of the requirements for the degree of Doctor of Philosophy in Public Administration and Public Policy John W. Dickey, Chair Larkin Dudley Joseph Rees J. Michael Thomson Gary Wamsley March 24, 1999 Blacksburg, Virginia Copyright 1999, Suzanne Beaumaster Information Technology Implementation Issues: An Analysis Suzanne Beaumaster Read MoreMarketing Management 14th Edition Test Bank Kotler Test Bank173911 Words   |  696 PagesStrategic management E) Distribution management Answer: A Page Ref: 5 Objective: 2 Difficulty: Easy 3) Identify the correct statement about marketing management. A) It is primarily concerned with the systematic gathering, recording, and analysis of data about issues related to marketing products and services. B) It focuses mostly on monitoring the profitability of a companys products and services. C) It focuses solely on attaining an organizations sales goals in an efficient manner. 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Once our analysis is done, we offer a comprehensive range of document services and outsourcing to optimize your assets and improve business performance. Our methods have helped Owens Corning, InterContinental Hotels Group (IHG) and others realize millions. For a complete portfolio

Reflective Essay on the Impact of Globalization - Free Sample

Question: Explain the impact of globalisation on your own life and your country. It must be written in a reflective manner. Consider how modernisation and growth has affected your consumption behaviour, your thoughts, and have you seen evidences of changes that have been taking place in your country. Are You Getting Buried Under the Overwhelming Academic Pressure? Get the Much-Needed Essay Help from our Professionals and Secure High Grades Answer: The theoretical definition of Globalization defines globalization as integration of several nations and economies for the purpose of trade, foreign investments and capital migration. The opening up of the economies of several nations, for free trade purposes, supported with technological advancement of the twenty first century were the key supporters for the sudden spurt of Globalization in this modern age (Carr Chen, 2001). The concept of Globalization is also commonly referred as globality, which refers to a boundary less, highly connected market place; such a market place which is neither distinguished by time zones, not the national borders of several countries (Pologeorgis, 2012). Globalization evolved as a necessity for several business organizations to reach out to larger consumer base spread across several parts of the world. The Facilitation of global communications and social economic, technological, environmental and political revolutions developed this phenomenon. The impacts of Globalization are commonly observed on the Personalities, character, lifestyle and behavioral traits of Individuals living in a globalised society. The globalization has in fact impacted every aspect of personal life of individuals, who are part of both developed as well as developing nations (Broda and Weinstein, 2006). Ones own life of an individual thriving in the twenty first century gets highly influenced in terms of vibrant exposure to divergent cultures, tastes and preferences, languages, religious ethos, etc. The intensity of this impact however, differs from person to person depending upon several demographic traits that bring the individuals closer to an international exposure. The demographic aspects may range from income level of the individual, age of the individual, the location of the individual, his nature of work, interests, etc. The Individuals belonging to developed nations are observed to be highly influenced by the impacts of globalization, in comp arison to their counterparts belonging to poorer or underdeveloped countries (Mackay, 2000). The reason for this observation is pretty simple. The individuals belonging to the under developed countries are deprived of conducive environment, including the technological support and infrastructure, which makes them deprived to take the benefits of globalization. There have been several studies conducted on the pros and cons of globalization in terms of adding values or difficulties in ones own lives. The shaping of online social communities is one of the most interesting positive impacts of globalization on human life (Tisdell and Sen, 2004). This has lead to several instances of development of greater cultural understanding among the people, irrespective of the differences between them. Sharing of New Ideas, knowledge and new methods of working world wide, even in remotest part of the globe are the literal benefits of globalization to human life. The Globalization has also resulted in increased employment opportunities to the individuals across the globe. The national borders are no more the limits for individuals to search for their dream job (Thomas, 2000). Globalization has also facilitated changing of gender roles and securing womens place in a work place, especially in the developing countries. The trend of having more skill intensive jobs, over mere qualifications, is also a positive impact of globalization. Many of the educational systems across the world are also preparing themselves to deliver industry ready candidates with globally accepted skills (Jackson and Andrews, 1999). The phenomenon of Globalization has also brought in several difficulties in individuals lives along with positive impacts. The ill effects of the intensified competition across the globe, like increased job insecurity, increase in human trafficking are few of them. The world economies have been increasingly integrated through the internet and mobile phones. Outsourcing of work to different countries, especially having cheap labor is another problem face by individuals belonging to the developed nations (Wade, 2003). The programmers, accountants, scientist and editors belonging to these nations have limited job opportunities due to outsourcing of these jobs to cheaper locations like the Asian countries. The abundance of information has also resulted in to several privacy issues for individuals that ride on this globalization wave (Milanovic, 2003). The Globalization has also severely impacted the Business models and Functionalities of several Business Organizations that employ these individual, giving them an opportunity to increase their exposure to the other parts of the world. The Proliferation of the Fast food restaurants McDonalds across the globe, by adapting the menus and offerings to suit the local tastes in the respective countries is the result of Globalization (Olivero, 2011). The Goods and services deployed by these businesses have achieved more easiness and speed in terms of transporting them to different parts of the world. Several of the Business corporations have achieved the ease and flexibility of setting up its business operations in desired locations across the globe. These minor reflections on the business level, results in consequent impacts on the country level. The diminishing possibility of probable tiffs between these exporting and importing countries is a major social advantage that nations enjoy, due to globalization (Broda and Weinstein, 2006). The increasing trade interdependence among the several nations has made this possible. The decreased communication barriers have enabled the government of the nations to solve the environmental problems like climatic changes, cross boundary pollution, etc. through discussions with each other (Mackay, 2000). Overall a spirit of multiculturalism has been fostered in the nations as the residing population of the nation has free individual access to cultural diversity. The Globalization has also benefited the nations to attract more international tourist, by enabling increased tourism development, trigged due to the opening up of the economies (Milanovic, 2003). These nations are also getting opportunity to participate in the world financial system, and attracting huge foreign investments in the nation. The investment avenues for the nations in terms of its treasury operations have also benefited largely. The Globalization has also observed to give some negative impact at the country level. The budding small scale industries that are run by nascent entrepreneurs are suddenly exposed to intense international competition. As a result, many of the local industries in developing regions have become unsheltered and are taken over by the foreign multinationals (Milanovic, 2003). Several of the researchers have also compared this phenomenon of globalization, to be similar to the concept of Capitalism, as described by Sir Adam Smith. In both the situation, the gap between the poor and richer (individuals and well as nations) is widening resulting in to inequalities and poverty for the already poor nation (Wade, 2003). The increased amount of the Trans border information flow has also increased responsibility of effectively managing communication satellites and wireless networks to protect the critical data from information leaks and data thefts. The growing amount of cultural diffusion in the nation is also unhealthy for maintaining the age old traditions and customs of the land that are quickly modernizing and westernizing with the advent of globalization (Jackson and Andrews, 1999). The local communities of nations, especially in case of the developing nations, are aspiring to adapt ideas, product, practices and technologies with the western influence, leading to slowing fading of their own customs and practices of their land. To conclude with, Globalization is a dual edge sword that has both positive and negative impacts on the individual level as well as national level. The Globalization has necessarily increased economic prosperity and opportunities in several developing nations, but has also deprived several qualified professionals from developed countries, thanks to its Outsourcing phenomenon. Overall the Globalization has facilitated sharing of resources, information and skills for the development and progress of the entire global economy. References 1. Broda, C. and Weinstein, D.E. ,2006, Globalization and the gains from variety, Quarterly Journal of Economics, 121, 541-576. 2. Carr, M. Chen, M. A., 2001.How global trade and investment impact on the working poor,International Labor Organization. 3. Friedman, Thomas L., 2007, The World Is Flat: A Brief History of the Twenty-First Century, Polirom Publishing House, Bucharest (Economy and Society Collection). 4. Mackay, 2000, The globalization of culture, in A Globalizing World? Culture, Economics and Politics, D. Held, ed.,London, Routledge/Open University Press. 5. Milanovic, B., 2003, The Two Faces Of Globalization: Against Globalization as we Know it, Development and Comp Systems, Economics Working Paper Archive at WUSTL No. 0303007. 6. J. Jackson and D.L. Andrews, 1999, Between and beyond the global and the local, International Review for the Sociology of Sport, vol. 34, No. 1, pp. 31-42. 7. Thomas, F., 2000, One Market under God. London: Seeker Warburg. 8. Tisdell, C.A. and Sen. R.K., 2004, An overview of economic globalization: Its momentum and its consequences examined. Pp3-25. 9. Wade, R., 2003, Is Globalization Reducing Poverty and Inequality?, Development Research Center: London.

is going to hurt. My erotic diary Review Essay Example

is going to hurt. My erotic diary Review Paper Essay on is going to hurt. My erotic diary Again decided to rewrite the review, although such is not intended to (at least in this book). First of all, it was one of my first reviews. I had just came to the site. To surprise and please his idea. His eyes lit up, his hands itch and started to write. It turned out that here we have adopted some style as reviews and communication. Accordingly, whether Im not so written. either did not understand me I do not like to leave behind a misunderstanding. Although, perhaps, completely get rid of it is not Secondly, but the second will be later However, unlike first experience of rewriting (and again on the same author an occasion for a frank paranoid), now Im not at all sure that it would be better But of course I hope would otherwise not write We will write a custom essay sample on is going to hurt. My erotic diary Review specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on is going to hurt. My erotic diary Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on is going to hurt. My erotic diary Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Why do I actually. generally I attached to this NeRobkoy? For what Spearbreaker? As always, the answer is simpler than it may seem. These books read recently and is very fresh in the memory. Many books that really liked me, I just did not find the time to write a review of the spirit the details have weathered out of my head And you want. I want to write to the Magus, collectors, re-write on I Will Fear No Evil, Krongauz, Panova Well it is thinking out loud As I think it is clear from the above, the literature Nerobkoy (tired already put two uppercase letters). I have to the best read books do not carry. But waste not think so. I am glad that at one time, stumbled on it. And, actually, I would like here and now to try to argue their thoughts regarding the book Will it hurt  » Once again I want to say that abstract -. Not the book. Even I will not go into it. First of all, this is a book about BDSM. And this is its main advantage. This is the dark side of society. About it do not write, do not tell. And if you write and say it is not serious, with a sneer, with a bunch of stamps and a very superficial way. What is of BDSM, or power exchange, or a theme, I will not describe here. This is already done on a very good level: Who cares read In my opinion, BDSM this is a product of civilization.. As with all its products, it is ambiguous. But this will still have to live. Such as homosexuality. However, if homosexuality is already recognized de jure is not condemned, then BDSM the situation is different. In Moscow, as in any large city, has a BDSM subculture. It is clear that society is closed, and the majority of ordinary people are not particularly aware of it. That is probably for the best. Less attention less noise. Unlike the aggressive and pokazushnyh gay parades, BDSMschiki prefer not to shine let society distracted by other problems:) But this situation has a negative side reflect the real-life BDSM masmedia finds. And if we talk specifically about the books that they are almost there. I mean the modern Russian-language literature. And do not mean the Internet literature, and literature that it is often impossible to name Of course there are the classic Venus in Furs, the works of de Sade But, hand on heart, to read them almost impossible. They are boring, endlessly behind the times, wrote a very peculiar language, to say the least In this situation, ie on the bezrybe any normal book on the topic Topics (intentional tautology), good by the fact that there 🙂 It is obvious that people from distant subjects, such arguments did not act, but rather the contrary effect. And that shows clearly, that same discussion, which is the second reason for writing this stai. I have written elsewhere that some jokes agree with some not at all, but to argue row life is not enough. However, some phrases just yet hunger for answers. It is the people amused glossary at the end of the book Whats so funny? This is absolutely real dictionary. It is likely that it is used by many of your friends and colleagues, except that you do not say:) In any group of people united by common interests, born jargon over time its completely natural. The author simply endured it in the jargon of his book. I think of this book only wins I will take out a couple of phrases that most clearly demonstrate the degree of misunderstanding, if you like: . When a man says he is ready for anything, it means that he is ready to meet you orally. and All people are different and love all different too.  » too funny? is not it? is not it the reality? The words all have the same, but meaning different Like love Very often, she says.. do with me whatever you want! Very often, he says, Ill do whatever you ask for you! And that they are on C IOM REALLY have in mind such thoughts rarely come into the brain addled endorphins Usually, it ends as usual and it is not a stylistic error -?.. Is life Everyone gives what may. and gets back no more But! But what if you meet someone who wants more from you? what are you really ready to go on about your passion? and to what it can lead. .. It is very scary to go through. Or just forward far enough. We all love to do hurt each other, and look at the response (and in the forums of this site, by the way, this is especially noticeable). BDSM in our blood, but not all are aware of this, and realizing recognize Thats what this book and I was interested to read it It truly describes this aspect of the life of Moscow society. With all the ins and outs, without embellishment. Some of the characters I knew, or at least I thought so. It also added the book points. As a result, it seems to me that those who criticize the book, just do not understand what it is. Because it is not in the subject. And it does not show off and affectation, but a statement of fact. And I do not really recommend this book to most. You will not find there what I saw. You will see the vulgarity, bl TBO, stylistic imperfection story wretchedness yes anything, except that you may find interesting. And those who really interested in my recommendations, in fact, they do not need too. They are for themselves and so everything is already decided:)