Nouriel Roubini: Rapid economic recovery unlikely

Huge losses from the deflation of the great twenty-first-century bubble have been recognized or realized, and though more remain, financial markets have regained their appetite for risk. At this event, our expert Deflating Bubble panel defined the lessons of the whole twenty-first-century financial experience and made related recommendations for future financial policy. Speakers included AEI economists Desmond Lachman and John H. Makin; New York University professor of economics Nouriel ...



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New David Icke Interview with Prison Planet - THE MASS AWAKENING 1/5

and slavery? David Icke explores and goes into these aspects of the tyranny we are currently facing and what we can do to overcome these obstacles. Visit his website for more info: www.davidicke.com http ... barack obama economic collapse financial crisis federal reserve bank audit the fed china superpower hong kong stocks wall street bilderberg group trilateral commission council foreign relations cfr illuminati nwo new world order george soros zionist jews zionism infowars alex jones ...



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The Effects of Financial Leverage

One of the best ways in which companies will profit by increasing its financial leverage. Financial leverage uses debt, so that the expected return would increase in the equity of the company. The level of financial leverage of a particular company is always the total value of debt and equity and the ratio of debt determined.

Leverage is generally considered the use of borrowed money to make a return on investment and described from whichInvestment.

It is risky for a company to have a high ration of financial leverage. It was also noted that the outcome of financial leverage: If the level or point of the high financial leverage, the more is expected to increase profit on the equity of the company. Thus the financial leverage is used in different circumstances as a means to change the cash flow and financial position of a company.

There are four positions that a showRelationship with the level of financial leverage. First, the ratio of equity and debt, for example, the rate of capital. Another reason is the influence on the production and business cycle of financial leverage. Then the company industry and sector level throughout the financial leverage level. And the correlation between the current financial leverage ratio of the company and the average level of leverage. Finally, the compliance of the company's mission and philosophy with which it isSituation with the ratio of financial leverage associated.

The result of the financial leverage can also be used to promote income growth, however, it is common for many industrial enterprises in the phase of the young and young people. Financial leverage ratio relative to the variability of profit and, in contrast to stability. Company profits with high leverage levels differ in the state in which profits of the company with less leverageLevel.

Another factor that affects leverage ration is the flexibility, dynamism and openness that concern about the changes and the development of technologies, facilities and industry. Companies with high leverage level, a decrease flexible procedure because of the fact that they use more complete responsibility for all the creditors, and sometimes some of the restrictions and agreements have on their investments and capital.

Companies with high leverage level, usually lesssuccessful because of the location of the transformation of the environment and the necessity of taking decisions is uncertain. For this reason, they might not be able to apply or take advantage of growth opportunities and expansion of business activities.

Another danger of using financial leverage as a tool for increasing sales is the reality that the transition between profits and debts of the company remains positive. If the profit of the company in proportion to the amount of capital is higher, the debt exceeds the amount of earnings then the effect ofLeverage is gone, and remains the indebtedness.

It is, therefore, that the level of financial leverage a good understanding of financial, business management must have. To determine the response rate with regard to return, simply use the difference between the interest rate on assets and liabilities, then multiply the difference by the relative level of responsibility or blame for the stock and add the expected return on assets.

Assign sectors that are growing fast onlylow levels than the stable growing company.

In most cases, the impact of financial leverage are used to improve their financial condition and results of the company, but it should not be accepted as a principle, but rather requires a comprehensive analysis of the current state of the environment.

Financial Insurance Accounting Software

People get insurance to secure financially, if the time is given for the need. Insurance protects the insured in case of death, illness, fire, destruction and damage to property. Insurance is an investment in the future, and like other investments, it should be well guarded. Accounting software can help you with your finances, financial insurance accounting software helps insurance companies. This software helps companies efficiently account your finances.

A> Financial insurance accounting software is often used by insurance companies to complete. Often, in the insurance business, if it is considered fraud in the system of errors, the people who lead the company attributed. They rarely have also recognize that with the advent of technology, more and more technology savvy and cunning individuals able to access the insurance system of these companies. But since these insurance policies, whose name and company integrity is at stake, they tryas much as possible, their system of anomalous activities that their customers greatly disadvantage from the Internet hackers to steal your identity and protect the personnel in these companies that try to manipulate your insurance accounts, too.

The software allows companies to have greater adherence to their financial situation. Financial insurance accounting software offers businesses an overview of assets and liabilities held. Can wage and salary and expensesorganized with this software. This program helps companies save paper and resources, because important information can now be saved and organized in the computer. Depending on the type of insurance accounting software company, the insurance company can use other functions that are useful in the business world have. With more organized finances, time management is easier and the company can devote more time to strengthen their other weaknesses. The company can rely on the formulation ofbetter policies and strengthen their client base.

The software is not filled with programs that do not use to be able or programs are not applicable, that your insurance business. Financial insurance accounting software is not like an ordinary accounting software. The insurance industry has special needs, and this software is exactly fit those needs. There are numerous financial management software over the Internet, you can claim, but is veryadvisable for insurance, they help other people sent to search the computer technology and at the same time the insurance business specifically to develop a program that is suitable for your business, too.

Financial burden on students

A student's life revolves around studies with a focus on a bright future. But there is also an addition in her life that many students are enslaved, and fears of each student, and that the financial burden is. The students of today have to manage with financial burdens at an early age, as they always need money for their fees, room and board, books and other educational needs.

The aspect of the financial burden has studenta global problem that is spreading like the plague. But if you are a student you can get some cheap loans to either the federal or those of the private institutions that will get you the easy and affordable installments profit rates available.

Education plays bear with a rather large degree of responsibility, but if you handle your finances and you will not face cash crunch. Try for the scholarships, which will help reduce your stress considerably. Not duringYour time unnecessarily during the holidays. You can develop a summer job, so you pennies for your future.

Stay away from credit card. These are the devil in disguise that will lead you to bad debts in the amount of. If necessary, keep only one for emergencies. Credit cards are temptations that you can do without in order to live a comfortable life free of debt. Try to get a budget of your monthly expenses, which will help you to keep a check on your spending and help you tosave.

Take advantage of the valuable advice actually given by your advisor at school or college, how you manage your finances. Try and restrain the night outs and parties, alcohol, and data that will cut down your costs to a great extent.

Financial Planning - Is there a way to financially free?

Achieving financial freedom is not any easier than most might think of us. Like me, if you are not born into a wealthy family, then we only need about 46 to 50 years earning years to this financial freedom.

In all these years you should at least help complete a minimum of training, a job or open a business with fulfilling the basic requirements of proper food and shelter, clothing and transportation, childcare, insurancePremiums, college tuition, Christmas gifts and much more.

Financial planning is useful if you want to keep a check on your spending. If you plan your expenses properly, then you can spend money to buy the life, enjoy holidays or lease new cars and also to use the money to get rid of debt that will receive many times because of poor financial estimates piled up.

Has the financial lives of many people happy as they taught, participated in the liveie, along with saving as much money as possible. Proper financial planning teaches people against the potential risks that could ruin their financial situation get insured.

People do not use the following financial liabilities, the house filled with new things, instead you are paying cash and buy the desired thing. Using change of lifestyle and financial investment, and they live a life much happier than people who do not intend to, theirfinancials.

Wait to start not only with the savings and your financial planning for a better future. Save A $ 3.00 a day from the age of 22 years means that more than 850,000 US-dollar amount is not able to gather in one of the IRA, the less.

The difference between a financial planner and most of the people who can not be saved, that financial independence, developing the art of saving money that might otherwise, instead of spending it.

Have you ever many people are complaining thatthey do not have enough money at the end of the month in which to pay the checks? I am sure you must have. The reason why it is bad in almost every case, financial planning.

Set a goal to cut short your costs by providing a check on your lifestyle and you would probably also get on the road to financial freedom.

Accounting Basics 3- Assets

Financial Accounting ACG2021 Spring 2008 Chapter 1 Crosson ... Financial Accounting SFCC Crosson



http://www.youtube.com/watch?v=K3AKnB71tG8&hl=en

Dr. Chuck Missler on America 2008 p1 of 5

Attention American Christians! A catastrophic financial collapse is inevitable, we should take heed & pray, prepare for the worst, and escalate your efforts for Christ. If my people who are called by my name will humble themselves, pray, seek my face and turn from their wicked ways I will hear them from heaven and heal their land 2 Chronicles 7:14



http://www.youtube.com/watch?v=1pz3GaawzWI&hl=en

Financial Logos - Common mistakes and myths

In drawing up a plan for their financial logo, most companies have different ways of achieving that perfect look like, that they tried. However, there are results that are satisfactory end, not the desired effect, for which they are created to achieve. Here are some of the most common mistakes and myths in creating a logo and what should make financial accounting and the company.

1st "I'll know it when I see it."

Most likely, younot. Design a logo is pretty much a must for any financial company, focusing on different designs for many companies. This may mean that you are trying to be different for your own logo design. A trial and error method is not practical to always try to imagine what you've done your financial logo like it before you.

2nd "Easy as pie."

You can know the value of a good financial value logo design, but it is also equally important yo to recognize how challenging it can be done, too. The plan is an art, where it definitely should not be rushed and taken lightly. Also, remember when you were very good at designing your own or if you prefer to leave it to the professional hands of a log design company.

3rd "The more different it is, the better."

While certainly important to be diverse and different that you have a brand to do with your financial logo design, it would not pay more than design it.> Financial logo are known, represent the professionalism and the balance so that your logo should follow the norm, to a certain degree. It should not stray from the character and image of your company really is. Your financial logo design can be different, full of details and eye-catching, but if it does not translate directly to your company, they are puzzled and would rather forget at the end.

4th "logo in finance and accounting are often boring andunimaginative. "

The effectiveness of the design can be used for different interests and purposes. Your financial logo has impressed the foremost goal and make your name, do not talk in the first place. On the other hand are, unique design concepts appearing everyday and the logo design companies are better than at anytime in the next with a unique design especially in the area of finances.

5th "I can change it anytime I want."

Literally, you can changeGet your financial logo and a new, almost every day if you want. But this greatly undermines the purpose of design, remind you and attributed. If you keep on changing it, there is a chance for confusion. Just fund a logo, which is the stability and the resolution of a subtle message that can continuously review and revise these important properties of disperse completely.

6th "It looks good for me, so it must also great, everyone different. "

Win your satisfaction and approval alone does not guarantee the quality of design. Ask yourself, it will connect to your target audience or the format of your customers in touch. Get on the ratings seconds from business partners or associates, is perceived as a degree of financial development.

Avoid these mistakes and thinking about these myths actually save you time and effort in registering your company logo design. Learn from them can only> Financial logo design better and more effectively in the future.

For more information about how financial logos will be made here

Creating Abundance (Part 1 of 4)

www.StevePavlina.com - How to create and experience abundance in your life, including financial abundance (wealth), social abundance (friends), and more.



http://www.youtube.com/watch?v=Ad1DhUdtcFs&hl=en

9. Guest Lecture by David Swensen

Financial Markets (ECON 252) David Swensen, Yale's Chief Investment Officer and manager of the University's endowment, discusses the tactics and tools that Yale and other endowments use to create long-term, positive investment returns. He emphasizes the importance of asset allocation and diversification and the limited effects of market timing and security selection. Also, the extraordinary returns of hedge funds, one of the more recent phenomena of portfolio management, should be looked ...



http://www.youtube.com/watch?v=AtSlRK0SZoM&hl=en

Queen - Bohemian Rhapsody [ High Definition ]

Is this the real life? Is this just fantasy? Caught in a landslide No escape from reality Open your eyes Look up to the skies and see I'm just a poor boy (poor boy), I need no sympathy Because I'm easy come, easy go little high, little low Anyway the wind blows, doesn't really matter to me, to me Mama, just killed a man Put a gun against his head Pulled my trigger, now he's dead Mama, life had just begun But now I've gone and thrown it all away Mama, ooo Didn't mean to make you cry If I'm ...



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Fatal Financial Mistake 30 year bond

Explanation of what will happen with long term interest rates in the US and how to protect yourself and or take advantage of the coming changes in rates



http://www.youtube.com/watch?v=7HMdhlQEyyk&hl=en

love hina 14 1/2

"Naru's Crush Is Now a Tokyo U Professor: Turning Into Love?" There is a financial crisis at Hinata House; if the residents don't come up with 67000 yen in three days, the utility companies will cut off all services. Keitaro ends up working for one of Tokyo U's scientists, not to mention his hyperactive daughter, but doesn't know about the old connection between this man and Naru. ... love hina 14 1/2



http://www.youtube.com/watch?v=O8mceUOjygs&hl=en

Various Business Financial Statements

Balance Sheet

A balance sheet is simply a list of all the balance of assets and
the liabilities and the investments of the company. In a traditional
Thus, the assets are shown on the left side of the page
Liabilities on the right side of the page. There are always two
Aspects to each event, select the equilibrium in the balance sheet;
this is because the actual balance of the constructed
Accounting equation.

There aremany problems arising from the balance sheet presentation
and can lead to difficulties in the analysis. First, most assets are valued at
Costs, we can not determine the market value or replacement value
many assets and should not assume that their total assets
compensates for this current assessment. Secondly, different methods are
used for the valuation of assets in both the short and long-term assets
Assessment. A third and different type of problems is thatnot
All items of value to the firm are included as assets. For example,
Properties such as good staff, excellent management and a
well-chosen location does not appear in the balance sheet. In the same
V., refer to the pension liabilities and risks can also be displayed
in the balance sheet. These problems do not balance analysis
impossible. They are meant simply that is a qualitative case
quantitative ratio and trend analysis, in appliedto
incorporate the impact of these problem areas.

Profit and loss account

This is a statement that the records (the profit of the company whether
all received or not) as well as the costs of the company (whether
all paid or not). It determines what the profit or loss of
Operation is for a specified period, by subtracting all the costs of
Income.

The problem with the P & L is that at the end of the year is the profit
no real money. This isbecause parts of the profit and loss account
assumptions together.

Cash Flow Statement

In contrast to the P & L, cash flow statement has nothing to do with the income
and expenditure, but everything to do with money flowing into and out of the
the business. Cash flow has nothing to do with profit, they are two
different types of approaches. Cash flow is primarily concerned with cash
Balance at the end of a specified period, for example, every month.

There is an argument thatCash flow statements are more useful then the
other two statements (balance sheet and profit and loss account). I
can understand why a person argue that that is because many may
Reasons such as:

A P & L statement can be a positive number at the end of
certain period, but that does not mean the company has made
Attributable profit in the form of cash to the fact that parts of the income statement
assumptions together. For example, the business of adoption isthat
a policyholder if they have not paid. But at the P & L, it
will show that the company has paid the insurance, with the profit
Number will be different. Where, as in the statement of cash flows, the
Transaction is recorded after the event has taken place. The soil
is that, regardless of the transaction takes place or not
P & L statement is executed, the transaction has or will take place.

Like the income statement, balance sheet is also Assumptions.
For example, as mentioned above, the assets are valued at cost, and a
may not be able to determine the value of the assets in the future,
Assumptions are therefore relevant to the valuation of assets.

In contrast to the income statement and balance sheet, cash flow statement was
Information implies that an adequate picture of the representation
Company's liquidity and financial flexibility.

The balance sheet and income statement are used to evaluate> Financial
Situation of the company but can be misleading, because the only parts
the financial activities are recorded in which the cash flow --
Statement presents the reader with additional information that may be the
useful.

Since both balance sheet and income statement data are from the reserves concept it
is difficult for the user of accounts to examine whether a
Company has a good cash management system, which is very important
the success of theUnit.

It may be that the cash flow statement transactions, which presents
has occurred, compared to the P & L and the balance sheet when
Transactions are expected to take place. It is better to use all
Statements together present a fuller picture of the company to the
Users of the accounts. As the P & L and balance sheet, cash flow
Explanation has some shortcomings. For example, cash can be manipulated
as a business, you are required to juggle paymentswhen
a problem, so the cash flow available to make and thus
Manipulation can take place. The technical side of the cash flow
Statements has room for improvement. The requirements, both
Revenue and Expenditure under the same section often to a
Declaration, which is interspersed with clips and therefore difficult to
understand.

Kickstarter (E1) - Undergrad Records

A new web-reality show documenting the journey of a graduating college student that takes his last financial aid check to start an independent record label. For More: Undergrad Records www.undergradrecords.tv -------- I am currently looking for music to feature in the next episode. If you are interested, please message me at info@undergradrecords.com. -------- Track Listing: "Tomorrow's Not A Promise" - Moments In Tragedy - www.myspace.com "Go" - Dae Sole - www.myspace.com "A 60 Second Affair" ...



http://www.youtube.com/watch?v=5MO49YNtauo&hl=en

Planning for and Protecting the Elderly

our other 28000 sessions from over 280 conferences by going to www.prolibraries.com Speaker(s) Nancy Rice, Esq., CELA Planning for and Protecting the Elderly - Society of Financial Service Professionals Financial Service Forum 2008 The FSP Forum is the premier educational meeting for the financial services profession. It focuses on continuing education, with a strong emphasis on advanced, practice-oriented instruction by world class speakers and provides CE credits for the credentials ...



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Obama Caving in to Wall Street Again

Watch more at www.theyoungturks.com ... cenk uygur young turks barack obama chris dodd wall street financial reform geithner summers



http://www.youtube.com/watch?v=pGiohRS-3Bo&hl=en

FORECLOSURES & THE ECONOMY: Rep. Ron Paul

Video from: House Financial Services Committee - September 20, 2007 Full committee hearing on "legislative and regulatory options for minimizing and mitigating mortgage foreclosures." Witnesses included Henry Paulson, Secretary of the Treasury; Alphonso Jackson, Secretary of Housing and Urban Development; and Ben Bernanke, Chairman, Board of Governors of the Federal Reserve System. ... capnewsnet capnews economy forclosures fed interest rate home sales real estate ron paul ...



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FA 8 9 Net Present Value Example

Financial Accounting SFCC Spring 2008 Crosson Chapter 8 videos ... Financial Accounting Crosson SFCC



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Congressman Paul on Financial Services Hearing

Congressman Paul gives his thoughts on the testimony of Paulson and Bernanke, the failure of the dollar standard, gold and where the global economy could go from here.



http://www.youtube.com/watch?v=HdCxB3hLDAI&hl=en

Expected Family Contribution - Student Financial Aid How much you will be given for participation?

How much financial aid you receive in college will be considered? To this statement, you must calculate your expected family contribution or EFC. The lower your estimated EFC, the more financial support are you entitled to obtain on.

Expected Family Contribution plays an important role in the college to the financial aid process. In the case of federal aid, your EFC is determined from the FAFSA application. It is very important to learn aboutThe FAFSA form specifically asked the questions, because mistakes are made, may be negative when filling out the form on your EFC impacts. It is not only the student's financial situation concerns the EFC. The parents and student income and wealth effects of the EFC.

In addition to income and assets have questions, you answer questions on the FAFSA in relation to the number of children in the family, school and family are great. If a family has three children then in school, theParents are one third of the parents to contribute to the same family with one child in school. The EFC calculation, determined by the federal government is a complicated formula that:

takes into account the size of the custodial family
A profit-protection guarantee for basic services to
takes into account the amount of liquid available savings of the student and parents (Tip: Savings students have a dollar for dollar impact on the EFC is greater than the parents) and
Hitsdisclosure of corporate and investment income.

The EFC formula does not take into account the financial strength of the noncustodial parent, home equity, retirement accounts like IRAs protected, and small business value. Once the Federal EFC is calculated to determine the financial aid office of your need or your students.

The calculations are not finished yet! Another simpler formula is now operational. Subtract Expected Family Contribution of costs for participation inGet your state-required charge. In cases where the EFC is greater than the costs of participation, the college financial aid applicant as "no need" to be a student and will not be eligible for need for financial assistance.

Some find this business EFC to be downright confusing. If you are not already a little confused, then maybe do the trick! Many institutions employ mainly four-year private colleges, drew their own EFC calculation, usually onAs institutional methodology. The College Board offers the most widely used institutional use - the CSS Profile. The CSS Profile, unlike the FAFSA, is a price to be involved with the application. While the colleges in your Federal EFC is determined by use of a user of the FAFSA federal eligibility for federal loans, calculate grants, and work-study, they are clicking your own EFC to the eligibility of funds to be calculated.

Facilities, with extensive facilities, such as private schools can have their ownMethod to determine what kind of students they want to win and keep using their own resources. But are federal student financial aid, must always be determined by federal methodology, a fact which must be disclosed on your award of the grant letter. In further contrast can make claim to the FAFSA, EFC institutional forms and no more often dismissed as the FAFSA application of financial issues. For example, a non-custodial parents and their spousesmust disclose their income and assets. Home equity from both parents is also used in the calculation.

Fortunately, the CSS Profile and other student aid applications ask you to disclose your expense, rather than relying on an income protection allowance used in the states EFC calculation. This allows students and families create more open than the average size of household costs. If your family's financial circumstances or hardships experienced that not be reflected on the FAFSAand CSS Profile, then it is possible, the financial aid office for a revision of the EFC approach.

MW2 - Intel Locations - ACT TWO

Act II Level: Wolverines! 11. On the counter in the gas station after you come through the alley. 12. Inside CRB Financial (Across from the Nate's Restaurant), near the front door, under a sign labeled "Online Banking." 13. On a table inside Taco To Go. Enter the building through the blown up corner. 14. Inside a dumpster (In a small brick enclosure) on the east side of Burger Town, visible from the Burger Town roof ladder. Thanks to PasPer2 for this location. Level: The Hornet's Nest 15. ...



http://www.youtube.com/watch?v=IYTSAeJRwpw&hl=en

Financial Spread Betting - Tell Me More

We have all heard of shares. But why do we keep hearing about Financial Spread Betting in this context? Well, the truth is that financial spread betting is one of the fastest growing and exciting possibilities that speculating on the movement of a stock or index. For many investors, it is to be a flexible and cost-effective alternative to trading shares of common stock. This article aims to highlight the benefits of spread betting beyond the benefits ofInvestment in shares. Read on for more details ...

How does it work?

In very simple terms, instead of buying stocks you for going to go up in value or sale of shares you for going to go down in value you place on whether they believe they go up or down. And it's not like a football game where you are either right or wrong. No, with financial spread betting, you will be an amount per point. So if you think RBS shares could rise, you could buy "at £ 10 perPoint. If RBS shares go from 40p to 50p, you have 10 points, equivalent to 100 to € achieved. However, if they go - - say, 35p, you 5 points, lost the equivalent to £ 50th Simple, huh?

What are the advantages of spread betting?

• Stamp duty is not levied VAT (a saving of 0.5% on an ordinary share purchase comparison)

• The ability to "hedge existing positions

• The fact that all bets will usually be conducted in pounds sterling, making the exchange risk ofBets in the foreign country has.

• profits on spread betting are not subject to capital gains tax *.

• Direct commissions and fees are not paid, the spread betting company makes money out of circulation.

• The use of ordinary share accounts that you can not from a decline in equity income (selling "short") with spread betting you can benefit from rising or falling markets.

• The Warrants, they will be on margin therefore can be traded bets placed with arelatively low cost.

• A single account can have access to far greater range of financial markets.

• The ability to place very small bets, some companies will want a place to trade as low as 1p per point.

* (Tax Law are subject to change)

And what are the drawbacks?

• Some markets may be very volatile and leveraged products could suffer huge losses when you move your position against you.

• There may be less suitable tothe long-term investors

• You no rights of investors who have, such as voting, dividends or corporate actions.

What can I trade?

Because you are not really to buy or sell the actual underlying. the range of instruments that can Bet "on far more than the underlying shares. In fact, it is possible on a number of underlying financial instruments bet:

• stock market indices like the FTSE or the NASDAQ.

• Individual sharesthe FTSE 100 and FTSE 250, but also by leading U.S. and European companies.

• Currencies, FX.

• Raw materials such as metals and oil.

• Interest in both short and long term.

• futures and options.

• Bonds.

Summary

Financial spread betting provides a cost effective and leveraged product that the market participants take advantage of market movements, while at the same time the trader to invest small amounts of money until theyare confident in the product.

CPA Tips for burning a Financial Planner

Do you still get the payment of five, ten or twenty thousand dollars a year that you are currently paying your financial planner tired?

You should consider a do-it-yourself "approach to financial planning. From a handful of important steps you can plan effectively and manage your personal finances. And as long as you're nice and beat respect, the work that you do, the performance of approximately 99% of financial planners and registered investmentConsultant.

Seriously, you fire your financial planner is easier than you think. You just have to follow five steps:

Step 1: Learn to Invest passively with index funds

The first step in firing your financial planner or investment adviser is to learn how and why passive investing works - and then commits itself to passive investment as a basis for building your wealth.

If you get not a financial planner or investment advisor yourMake investments or investment recommendations, you must come with your investments. And passive investment provides a simple, effective way to do this.

In a nutshell, you are investing with passive index funds do not try to beat the market to pick investments. Instead, you buy all sorts of investments. And the strange thing is, you are actually investing even more passive, because the cost to make bad investment choices is lower than the fees for a Financial PlannerFees.

You can begin your investigation into passive investments by reading about index funds in different asset classes sites. But you really should also read two books, the Random Walk Guide to Investing by Burton G. Malkiel, a finance professor at Princeton and The Little Book of Common Sense Investing by John Bogle, founder of the fund powerhouse Vanguard Group.

Step 2: Get Serious About Retirement Saving

Once you learn how passive investing works - and why youalways an index fund if you have a choice - you must save at last serious about your retirement.

Particularly if your employer offers a 401 (k) or similar retirement option to participate. At least you should be at a level which means you will not receive "free matching money involved," the employer. And if you save more money, the better.

If you go somewhere where your employer does not offer something like a 401 (k work), you need to maximize the program (and, ideally, toContributions) an individual retirement account.

Almost always, s invest 401 people who use (k) and individual retirement accounts in a handful of index funds to build wealth much faster and with less risk than people who use financial planners.

Step 3: Now the worst-case scenario with your finances

Here is a third step should be. Grab a pencil and pad of paper and list your family's financial worst-case scenarios. You must rememberOptions such as "loss of income due to death of a working mother," "catastrophic medical problems", "disability is a wage worker," and so on.

To the extent that it practically, you should buy cheap insurance to mitigate these worst-case scenario risks. For example, you want cheap term life insurance for your family buy-wage earner (s). You want to buy major medical insurance for family members. And, if possible, you want long-term disabilities for the purchaseBreadwinner (s).

Cheap insurance - insurance agents, who often do not like to sell - offers an effective way to minimize your greatest financial risk.

Step 4: Keep your finances simple

A fourth quick step: Work to your finances easy. Put no money into complex investments. Do not buy complex financial products. Let your finances disorganized.

Complexity, not to save money. Complexity costs money.Moreover, the complexity leads to errors.

Step 5: Make sure you pay off your mortgage before retirement

One final tip, or fifth step: Make sure that you fully repaid your mortgage before you retire - and preferably even before retirement.

Related to this point, if you get a speeding pay stroke of luck - perhaps a legacy, or an unusually large bonus from an employer - a portion of the proceeds after taxes to the mortgage, down.

Pay your mortgage beforeRetirement should mean that you are in good shape to retire when the time comes. And "levy" a part of the windfall for accelerated repayment mortgage means that at least part of the financial unexpected to you after getting used to building wealth.

Accounting Basics 7- Financial Statements

Financial Accounting ACG2021 SFCC Spring 2008 Chapter 1 Crosson



http://www.youtube.com/watch?v=5rs7vrotEP0&hl=en

Financial Projections in Business Plans

One of the hardest sections to write a business plan that is pro forma and financial departments. Finally, it is very difficult to say what the exact cost you will actually occur or be achieved at what level of sales volumes. So often companies with more government controls on all levels, are confronted to take the thousands of dollars in fees, additionally legal fees, delays and disputes often arise in slowly and the project. You can not know in advance what roadblocks or brick walls cityPlanners, country agencies or Federal regulator comes with, as they often change their minds and new laws in the middle of the already delayed project. These are just some of the problems facing entrepreneurs when writing financial projections. Other problems arise from an over enthusiastic entrepreneurial positive attitude and business plan writers should have the money to double and triple the time to complete the project to a reality level. If you would like to alsoTheir predictions are all happy. Including bankers, investors and you. If people are not happy, you can find yourself in court defending themselves to find and excuse themselves, many of whom are not your fault, but in the end you hanging out to dry like in the end this with you.

To assist you in writing your financial projections section of your business plan, I have prepared a sample. This example is from a very simple business model, a mobile car wash, which is part of a franchiseSystem. Please feel free to print this page, fill out and sketching notes in the margin and then a notepad and your own financial projections and start-up capital is needed. I hope this example helps you.

- - - - - - - - - - - - - - - --

Financial Projections

We will continue our business plan to us in a profitable situation at all times. We will try to employ our car wash trucks at all times. We will stay on top of collections andEnsure that all the bills go to the time and to the person who authorized the payment sent. We will treat cash flow as a priority in order to achieve our financial forecasts. We will ensure the right mix of services.

Gross percentage distribution

Personal car washes 60%

Graffiti, industrial, concrete 20%

Washing fleet 15%

Other 5%

Gross Revenue:

Insert Graph or Pie Chart Here.

* Note: Car washing of personalVehicles will be 60% of our business. About 80% of this money will be collected at point of sale, either:

· Cash

Check ·

· Credit

Some are even in advance on a credit card that keeps us on track to be paid to achieve a positive cash flow at all times. Very few people have the opportunity to invoiced monthly.

** Note: Fleet washing and industrial (graffiti, concrete, etc.) is only 35% of the gross receipts. Twenty-fivePercent of which is currently the work is done is collected, so that only 26.25% of the gross receipts, canceled at the end of the month invoiced.

Billing

On fleet accounts, all invoices are payable net cash in fifteen days. After fifteen days they will be too late, and 2% are taken into account. If in the future, our mix changes in the share of services is carried out, we can offer 2% discount for payment within ten days and a 1% discount for payment within ten to fifteen days. We do not go awayChange in our mix. However, if our city gives us a Graffiti contract for $ 75,000 a year, we will accept in any case.

Expected total revenue from services

In the complex there is a first year of the expected pro forma revenue. We believe these figures are achievable. For various reasons, we are a 70% scenario for budgeting purposes to take, if not everything goes as planned. Just to be on the safe side. We expect to be conservative for the gross dollar amount:

$ 124,630Projected Gross Revenue X .70 70% of projected dollar = $ 87,241 A Conservative Safe Number To Project As a first year gross

Expected Cost Business

We project the amount of U.S. $ 56,112 for our first year of expenditure. Please read the attached table. We are in a 20% add fudge factor in case we have unexpected costs in the first year. We project a conservative business expense dollar amount to be:

Expected cost $ 56,112 X .20 20% FudgeFactor = $ 11,222 Potential additional and unexpected costs during Year One

Expected cost of $ 56,111 = $ 11,111 Contingencies 67,334 Total Expected and unexpected expenses for the year Business One.

Earnings per truck

Please note the chart on the next page of the "Net Profit A Truck". This diagram is listed on the spreadsheet "Anticipated Gross Sales from services," minus "pre-business expenses".

We know that when aconservative approach is taken, we must use the 70% scenario for total sales and 20% on operating expenses. We project a conservative net profit for the first car in the first year to be:

$ 87,241 gross revenues - expenses = 67,334 $ 19,907 First Year Profit. $ 19,907 First Year Profit of 12 Number of months = $ 1659 per month profit, shared a good number of conservatives.

Adam Carroll "Four Legacies"

Adam Carroll closes out the Georgia HOSA Fall Conference with the philosophy of the Four Legacies. Financial Freedom leads to Time Freedom which leads to Relationship Freedom which leads to Service Freedom. ... Four Legacies Adam Carroll Financial Freedom Relationship Georgia HOSA



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Financial Advisor Marketing - 4 Tips From Toyota For More Effective Marketing

Financial Advisor, you can also show Toyota how to improve your marketing.

These days everyone - from a prison in Los Angeles to a medical center in the parish of a small church - learning from Toyota. A good question is: What would you do differently if you are in the business expect in 100 years, since Toyota does? Or even if you saw only 10 years?

The answer: They had a lot less emphasis on short-term profits. They would take longer to display. OfToyota, we drive along 4 Marketing Tips especially for financial advisors.

Tip # 1 - "Do not Go For The Grand Slam Home Run Ball Ground But For Singles"

It is not about cars, Matthew E. May, author, and a Toyota business partner, points out, but the one million ideas Toyota acts on each year. By May, they will not blockbuster innovations, but small ideas - "but effective, albeit small.

Financial Advisor Query: In order to groweach year shows the modest marketing ideas you can come into play? This could lead generation ideas of differentiation include your practice, improving client service, increase customer loyalty and much more.

Tip # 2 - Be consistent

The opposite of consistency is a financial advisory practice that is vague, nebulous, and scattered.

A financial advisor we spoke to wanted "by a systematic plan to grow." He was not able to get morespecific. He could not, for example, to identify a group (or groups) of people he wants to work with and his vision for his practice.

In contrast, Toyota knows its task "to enrich society through building cars and trucks." And customer satisfaction is a way to "enrich the society." In the design of the Tundra, Toyota's engineers proposed logging camps to observe stables, factories and construction sites - and ask questions.

It is not surprising that a horse farmhas several uses for a pickup from a logging camp or factory. To meet all of its customers produced 31 variants of the Toyota Tundra.

Financial Advisor questions: How well do you know your target audience? Good enough to "craft" services and programs specifically for them, so you only choice now?

Tip # 3 - Do not Get Stuck In Satisfaction

W. Edwards Deming took the idea of continuous improvement in Japan and the Japanese, they call"Kaizen".

It's not about perfection. It's about getting better. Author Matthew May describes these three steps to getting better:

- First, create a standard ( "Standard" is a starting point),

- Second, follow the standard and

- Third, to find a better way.

We see a fourth step: To repeat the three steps over and over again.

Financial Advisor Query: Think of a lead generation tool that allows you to call. What you can do to make itbetter?

Tip # 4 - Go For A Long-Lasting ROI

They invest resources - time, money and people - in the preservation and growth of your business.

Suppose you decided to invest for the long term? That the trend would go for the biggest short-term profit stamp.

This was more client-centric view, customer satisfaction increases customer loyalty and your top go with increased satisfaction. And you could get in linemore recommendations.

Financial Advisor Query: What are the investments in the marketing of your financial advisory practice, you can do now, which could pay off again and again over the long term?

Steven Levitt - Why Incentives Don't Work

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Glenn Beck - The Real Story, Touching the Third Rail

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http://www.youtube.com/watch?v=I-16u9x3tfE&hl=en

The Adventures of Hanuman

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http://www.youtube.com/watch?v=IShF-NB-5Ig&hl=en

Financial Assistance Means More Than Free Money to Single Mothers

There are many sources who claim that information on financial assistance for single mothers have, but many fees, just to give you the information. This is a red flag in most cases. Tired of offers that require a fee before they can be found in stocks, what you get.

If you are a single mother looking for financial support in the first place, of course, you do not have money on my information, which is free in most cases, if you do some research have waste.Although free information to give you the basics, you will be at least an idea of what you really need to buy. Single mothers with little time available, could the research grant time-consuming details. However, it is a godsend, because it helps you to develop habits could lead to the independence you hope to get through financial support.

Financial assistance for single mothers actually begins with you. You must create a budget. Knowwhere your money comes from and where it is gives you a confidence in your financial situation improve. It can not be everywhere, unless you know where you already have.

Start with your income. Account for every cent spent. This is a necessary process because it will help you distinguish between necessary and unnecessary expenditures. Many of us spend a small amount of money that we do not remember spending. For single mothers on a budget, add those small amounts very quickly. Spending asixty cents for a soft drink may not seem important, but if you buy a drink for five days a week for four weeks, the $ 156 a year!

Add to the list can sweets, coffee or anything else will be reduced, and you can see the image.

Single mothers living I am not advocating for a minimalist lifestyle. I would like to point out, as is known, to your finances if you pay attention.

Saving can be as addictive as the expenditure. I think you'll enjoy savings role anymore.It will lead to prosperity for your future.

Here are some simple suggestions to start with. Read books about money. I know you want the financial support, but there is only one bridge. You can have a considerable financial assistance package through hard work, but you will not improve your life over time, if you have developed a money-conscious.

Buy a small notebook. Start recording every penny that comes into your life and every cent that leavesit. If you find it is fourth in the credit column. If you lose a dollar, it is recorded. Do this carefully for three months. They are not just financial savvy single mother, but you know where you financially so you can determine how to get to where you want to be in the future.

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John Gerzema: The post-crisis consumer

www.ted.com John Gerzema says there's an upside to the recent financial crisis -- the opportunity for positive change. Speaking at TEDxKC, he identifies four major cultural shifts driving new consumer behavior and shows how businesses are evolving to connect with thoughtful spending.TEDTalks is a daily video podcast of the best talks and performances from the TED Conference, where the world's leading thinkers and doers give the talk of their lives in 18 minutes. Featured speakers have ...



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Carl Calleman The Mayan Calendar and Money

Carl Calleman The Mayan Calendar and Money July 2009 ... 2012 Mayan Calendar Carl Calleman 2011 Money Financial System Changes Humanity Shift Consciousness Elder Wisdom Don Alejandro End of the World Ian Lungold doomsday



http://www.youtube.com/watch?v=oPQnggFKbPo&hl=en

Financial Infidelity and Your Marriage

The marriage of two young souls is certainly a testament to the greatness of the human experience. But too often the couples are not fully prepared to face some of the practical aspects of keeping a marriage together.

Money is such a sensitive issue in marriage and if the two persons who are not on the same page, you can have it guess the negative things for the future of relations. Ultimately, financial infidelity is lying to your partner. Experts have notedbut that there are different degrees of greatness, lies about finances is a springboard to lie about many things, even if you can meet other people and what did you have with them.

Researchers decided to create a poll, so that they could try to better understand the behavior. The interviews over 1,700 adults aged between 25 and 55, which engaged either married or living together.

When asked, just exactly what they think about money and marriage,96% believe that it is the responsibility of both partners was to be perfectly honest about financial issues. For some 24% to be exact, was seen being openly about finances, much more important than the physically faithful. The same proportion had had a partner, they lie about the financial information.

They also found that three of four children sometimes argue about money. Half of these couples fight about spending on themselves. About the same numberarguing about how the household budget should be handled.

Every time this happens, the mystery of costs is regarded as a lie. If ultimately kill relationships. When a person is lying, it undermines the trust between the people and also compromises the integrity of the person who shared the lie.

In addition, a signal is very important for other hidden problems in the relationship. A partner might hide his feelings about a certain topic,Even more important than money. These opportunities will be held against you, was the little left is the big one.

The best thing to do, the question of money, finally talk to your partner before they are very serious. The expectations of behavior should be fixed well in advance, because the other alternative is divorce, which is absolutely devastating for some.

If would like more information about the possibilities of its finances in line, visithttp://www.kleinattorneys.com/prenuptial.php.

Accounting Basics 6-Expanded Accounting Equation

Financial Accounting ACG2021 Spring 2008 SFCC Chapter 1 Crosson ... Financial Accounting Crosson SFCC



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Financial Literacy - Political Agenda Priority One

The need for Financial Literacy among populations is not new. Former U.S. Federal Reserve chairman Alan Greenspan has identified and is currently fighting Robert Kiyosaki and Donald Trump, it is crucial to the future success of nations. The message will go unnoticed in the places where decisions are made governments. Duration refused to ignore the message in order to have an impact on two important reasons.

Basic One - The impact of reduced spending Capacity

Just a few days after the World Trade Center attacks of 9 / 11, when President Bush will encourage the American people and to keep that spending on the American economy. His message was twofold. First, keep spending to stimulate the U.S. economy and by its size, create a knock on effect on the global economy. The gobal economy is like a shark - it is to keep moving to survive and to do that they need to feed money. Given the current level of> Financial literacy, is the disposable income of such a thing as a finite resource, and we are at the upper end of the elastic, as can be.

Personal spending is done either through existing resources, ie, wages, or by credit. Both however, are not unlimited. In fact, for many of the content option is dry. Many people are now with credit cards and other sources of credit to maintain their spending patterns. Worse, the characters are displayed, people are now being extended soMeeting that they need more credit only to the existing credit repayments. Some have gone even beyond this extreme stage, and we begin to see the rising personal bankruptcy.

Finally, the spending ability of these people is severely restricted and as such they are no longer in a position to never-ending appetite to feed the economy. Without a constant flow of money at best there will be a slowdown. The possibility of a downturn in the economy is also a very real possibility, together withIt beat on effects.

Two basic social spending and the spiral upwards

Social spending to spiral upwards. As Robert Kiyosaki and Donald Trump have in their book "Why We Want You To Be Rich We have calculated that the American social system begins to run debt to the American people, that is not redeemed repay all equity and bond markets in the world when you Watch also logged in, this could very well as the baby-boomer generation begins to deteriorateRetirement is an important train on an already overstretched resource.

The problem has always been known, but it has over us, like a ticking time bomb that governments, all expressing the hope that it will not move on its clock was. Unfortunately, this is always seems to be ticking faster indicates we are closer than ever before that bomb goes off.

Is there an answer? If it does not repeat his doubt that the same actions. Must also take financial literacy to increaseProminence in the countries spirits. People need to know how to think better about how they do with their money. One of the best ways to begin this process, is to start with young people. The way to do that it is exposed to financial education in the one institution, they spend their formative years in - school. This is, however, projects and plans to introduce financial literacy must now formulated. Not tomorrow, not sometime in the future. Today.

TheKind of political will it takes to achieve, it means the topic is on the list of every man and every woman who adheres to a certain political influence will have. It will talk about the points of all major politicians, to the nature of the swell does that make things happen.

Although this is a major undertaking sound, politicians respond to two important things that help could be put up on the agenda. The first is overwhelming demand for actionby the people who vote for them. When these people make enough noise, and they feel their position is not at risk - a politician. The second is when they understand there is something in it for them - it is being recognized as central to the performance and can create a legacy of their time in office - they react. Once they understand what is in it for them, this could easily become.

Well, what is our time for political figures?

If financial literacy isplaced in schools that we may produce the power, the first financially literate generation. The resulting impact would have more benefits for individuals and entire social groups, marketed as a plethora of laws and social programs ever achieved. Combining the expertise of both words and numbers provides a basis for socially disadvantaged groups and individuals from the different types of poverty they find themselves may impose on the

With this knowledge, theyReduce their dependence on others, on society and their government. The results from this may relate to on both sides of the political divide. Finally, a bipartisan initiative, a force for good, what can your policy.

If politicians are still asking what it this for them. Many talk about the need to do something useful and leave a legacy for their time in public service. Many distracted and put the cause to see them soworthwhile, compared to their political careers, this saps their will to get it done, and they are a shadow of the person who made them to be in the public service. By focusing on this case, the support is suddenly on both sides to find a political legacy that the future not only of individuals and social groups can rebuild, but of whole nations.

A better future there with the action from our politicians and public servants. You only need toTo do rewrite their list, so that Financial Literacy is at the top.

Accounting Software - Key Features and Benefits

Most people consider buying an accounting software application, if a private company. You can own a small business and want to get better organized, or are just beginning a web-based business and want to keep track of your finances. Whatever your reasons, there are several accounting software programs to choose from.

Some software programs in the category of enterprise systems and financial management. These software programs are usuallycomprehensive than the basic software packages, which typically handle common functions such as accounts payable, accounts receivable, general ledger and order entry. Some additional features you may want to look for include:

• Fixed assets

• Order checks

• Sending and receiving

• Services

• Marketing

• E-Commerce

• Payroll

• Fixed assets

• Customer Service Management

CustomizableFeatures

E-commerce is a relatively new application of some software vendors offer their online businesses so businesses can integrate with their traditional business models. Most programs offer a comprehensive and integrated financial solutions that help automate accounting functions. Look for an accounting software program that is customizable, if possible. You can customize your applications to meet your specific business needs. As a rule, even basicAccounting software programs like QuickBooks provides some customizable features, even if it is only the customization of reports and invoices.

Depending on the size to keep in mind the company you may have an accounting software solution that aims to allow multiple users access to examine and sign up so you can track who is doing to keep the information unless. This is a handy feature if you deal with other people to hire data entry or process financial transactions in your company.

Michael Moore w/ Hannity - Who's Responsible For Financial Crisis?

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7 Steps Towards Financial Freedom

There are three basic rules for financial freedom. The first and most important of these is the absolute lack of discipline. The second is the effectiveness of the means and the third is getting value for money. These three rules sound so incredibly simple that anyone seems to understand it. In fact, no more discipline than you can afford to spend, effectiveness means focusing more on what is more important and less on what is important to spend less, and value for money means of avoiding unnecessary meansExpenditure. Is there something easier?

You will probably say: "This is common sense, Mr. Mihai Cuza, it is no secret here." But stop for a second and honestly: Do you really think these principles are absolute sense? And how many people you know, be really free to financially support? In fact, these days all the financial experts to learn how to claim more and more attractive nice problem credit packages you are enslaved even deeper. I am no enemy ofCredits. On the contrary, I know that we, the general well-being today, especially on this wonderful opportunity to borrow money. But we must be just, if you pay a loan for your home, in economic terms, that house is not an advantage for you is the bank capital. For you, is nothing more than a liability, as long as we need money from his pocket rather than all for you. What I am saying is it, the credits, you really need to get, but it is a disciplined first!

Easy to say and difficult todo I know. But here are 7 simple steps anyone can follow are, from today.

1. Put your financial situation on paper. O Hundreds of years of experience show that it is totally impossible to manage your money in your head. To take a piece of paper and write only two numbers: how much you earn compared to how much you spent this month. Take the difference between the two and now you have your balance. Do this as often as possible, because if there is one single most important reason whyPeople is unbalanced, that they do not know what their balance.

2. A maximum amount that you spend, you can be this month. Many people ask me how I know what should be this amount? If you found your balance right, you know. Only a limit set for less than you earn. It is so easy. The great mystery is here to this border before any calculations on how much you want or need to spend. Put simply the number down and then absolutely commit yourselfContext, no matter what happens. That is the discipline. The next steps will you financially through the process of managing within these limits.

3. Fix your fixed expenses. This is just another way to say that no bill, you should surprise him. You have to admit that you are not yet quite ready to receive invoices. Would not it be easier if you get all the bills, which at one time on your payday? Think of it. Well, they may not send the bills on the same day, if you have to pay ifthem out, but that does not mean that you can not intervene as they were. Just pretend it apart and make a reference.

4. Set your priorities. This is not as difficult as it may sound, and is very important, I can assure you. If you spend only your most important goals, to do for the (on paper trick you again not with daydreams) your money will tend to especially what will really matter for you, and it will not be lost on unimportant areas. Someone I know came one day with thisWeight list:

"$ 2.00 - Newspapers

$ 5.00 - sandwiches and coke

$ 4.00 - Flower

$ 450.59 - different things "

He did not even know remember what he spent! And that is as real as you and me. I know you do not want to end up like this guy. So, you have your spending priorities on paper.

5. Allocate amounts according to your priorities. This is as natural as more money for holiday gifts in December and in July, but few people actually do it consciously.Even if you have not been recovered, at least make sure you spend on what is important to you. Incidentally, you can not correct that without a written allocation of the amounts (sound familiar?).

6. Get value for money. This is similar to saying that you are sure that the product or service do you need to buy is worth much more than the money spent on them. Of course, this rule does not apply to drug abusers. A good way to value you get for your money is to check on it again soon to look overon the list of priorities, you have just done.

7. Enjoy the process. Make up creative ways to have fun, while the monthly financial planning. You can, for example, a financial genius put the economy in order to present a half hour, and hey, who knows, you can only have one.

Peter Schiff - Economy & Fake GDP Growth

Vlog for October, 29th, 2009 ... peter schiff economist oil NY stocks gerald celente trends research institute prediction forecasting socialism america fascism economy collapse financial crisis government bailout trillions debt inflation tax revolution protests gangs wars unemployment food riots nwo police state terrorists iraq democracy us troops barack obama new world order george soros bernanke federal reserve bank audit the fed ron paul illuminati bilderberg group council foreign relations ...



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