Here are some simple guidelines to follow for making wise investments:

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Here are some simple guidelines to follow for making wise investments:"

Transcription

1 FAQ - Investment 1. What affects the value f mney? Mney has a tendency t lse its value ver time because the price f gds and services has an upward tendency. This is called inflatin. Here are sme factrs that culd eat away yur mney: Inflatin- Inflatin ccurs when the price f gds and services rises. When the price f gds and services level rise, each unit f currency buys fewer gds and services. Cnsequently, inflatin will result in a reductin in the purchasing pwer per unit f mney a lss f real value in the medium f exchange and unit f accunt within the ecnmy. That is why the mney yu earn tday will be wrth less 10 years frm nw. Fluctuatins in interest rates f depsit accunts - A drp in interest rates means a smaller return n yur depsits, and if the interest rate is lwer than the rate f inflatin, yur despsits lse value. But fr sme investments, such as equities and bnds, the value f yur investment may rise because f the drp in interest rates f depsit accunts. Internatinal ecnmic trends - What happens in ther ecnmies can affect the value f yur mney. Plitical circumstances, GDP grwth, and stckmarket indices in ther cuntries can all have an impact n the buying pwer f yur mney. 2. What are the basic rules t investing? Here are sme simple guidelines t fllw fr making wise investments: a. Set yur bjectives. b. D yur hmewrk befre investing. It is risky t rely n pure luck when making an investment. c. Ask yurself whether yu want t invest r speculate. d. Fr investment, make sure yu have a cut-ff pint in mind t prtect yur bttm line. e. In the case f speculatin, dn't make investment decisins ut f panic when the market becmes vlatile. f. Invest as much as yu can affrd, but n mre. g. Dn't leave mney lying arund in nn-interest bearing accunts except as stand-by cash. h. Make sure yur investment prtfli gives yu a big enugh return t beat inflatin. i. Always use a reputable investment firm r financial institutin. j. Diversify. Invest internatinally and spread yur investments ver a range f lw, medium and high-risk prducts in rder t hedge against lsses. k. Make sure yu understand exactly what risks are invlved with every investment yu make. l. If in dubt, seek prfessinal advice. m. Keep an eye n yur investments. Take pprtunities and shift prducts if it is beneficial t d s. Page 1 f 5

2 3. When shuld I start planning fr the future? The sner yu start, the better. The example belw shws the difference in accumulative savings between Mr Early and Mr Late, wh started saving at different times. Mr Early saves fr 10 years and then stps. Mr Late starts 10 years later and saves fr 20 years. But Mr Early still get 87% mre than Mr Late (based upn an investment that gives 10% annual grwth, nt taking int accunt annual inflatin).. Year Savings by Mr Early Accumulatin Savings by Mr Late Accumulatin 1 1,000 1, ,000 2, ,000 3, ,000 5, ,000 6, ,000 8, ,000 10, ,000 12, ,000 14, ,000 17, ,284 1,000 1, ,213 1,000 2, ,334 1,000 3, ,667 1,000 5, ,234 1,000 6, ,058 1,000 8, ,163 1,000 10,436 Page 2 f 5

3 ,580 1,000 12, ,338 1,000 14, ,471 1,000 17, ,018 1,000 19, ,020 1,000 23, ,522 1,000 26, ,575 1,000 30, ,232 1,000 34, ,555 1,000 39, ,611 1,000 44, ,472 1,000 50, ,219 1,000 56, ,941 1,000 63, What shuld I d befre I start investing? Knw yur current financial situatin. Befre yu begin t think abut investing yur mney, yu shuld knw hw much yu culd spare fr investment each mnth. Naturally, the mre yu can put aside nw, the better it will be fr yur future. It's up t yu t achieve a balance between yur current lifestyle and yur expectatins. Calculate yur incme and expenses taking int accunt the fllwing: Hme financing repayments Persnal tax Lans and verdrafts Living expenses Emergency funds Car expenses Entertainment Hlidays Schl fees Family cmmitments Page 3 f 5

4 Generally speaking, whatever spare cash yu have after allwing fr all yur expenses is what yu can affrd t invest. Yu can cmmit a certain amunt each mnth and lk upn it as a mnthly expense. As yur salary increases, yu are encuraged t increase the amunt yu invest prprtinately. By ding this, yu'll be keeping up with inflatin and yur mney will be wrking harder fr yu. 5. What shuld I d next when I knw hw much I can invest? Once yu knw hw much yu can affrd t invest, yu can set yur bjectives - why yu are investing and hw yu are planning t use yur investments. Yur bjectives culd incrprate ne r any cmbinatin f the fllwing: Retirement Prtectin fr yur family Educatin fr yur children Wealth accumulatin Divide yur bjectives als int lng-, medium- and shrt-term gals. This will help yu chse the type f investment yu want t make. Fr example, if yu plan t send yur children t study abrad in three years' time and yu need t save fr their tuitin fees and living expenses, yu'll need a fairly lw-risk investment. Think abut when yu will need the return as it als helps t determine the time hrizn f yur investment. 6. Hw d I determine my risk level? Keeping yur bjectives in mind, determine hw much risk yu're prepared t take. D yu want t adpt a cnservative, mderate r aggressive investment strategy? Ask yurself the fllwing questins befre yu make yur decisin: Are yu prepared t make lng-term investments, which will allw yu t take greater risks fr higher returns? If yu're ging fr shrt-term, high-risk investments, can yu affrd t lse sme f the mney yu invest? If yu're married with children, what level f risk can yu take and still be certain f their future? If yu want yur mney t be safe, will yu be cntent with a mderate rate f return? If yu pt fr safe investments, will the returns be enugh t cver inflatin? Everyne has different reasns fr saving, and the purpse f yur investment can affect hw much risk yu re prepared t take with yur mney. If yur investment is t pay fr yur children s educatin, then yu may be investing ver a lng perid f time, and lking fr a higher return, as a result yu may be inclined t chse a higher-risk investment ptin. Page 4 f 5

5 Cnversely, if yu re investing t pay fr an verseas trip, r a new car, yu may be investing fr a shrt perid f time and want certainty abut the utcme f yur investment, and yu may feel mre cmfrtable with a lwer risk investment ptin. 7. What type f financial prducts can I invest int? Yu can chse frm tw main financial prducts with varying degrees f risk: Depsits Investments Traditinally, savings accunts are the safest place t put yur mney. They prvide high liquidity - yu can quickly and easily retrieve yur mney - but ffer lwer rates f interest. Investment prducts ffer ptentially higher returns but with greater risk. 10. What investment prducts are available in the market? One thing t remember abut investments is that the level f return is generally prprtinate t the level f risk. Thus an investment ffering ptentially high returns will usually have a high-risk element. The prducts available in the market are: Securities/Stcks Bnds/Sukuk Freign currency Unit Trust Funds Structured Investment 11. What is Dllar Cst Averaging? Dllar cst averaging is an investment strategy whereby the investr invests a fixed amunt in a particular investment n a regular basis regardless f the price. Mre units are purchased when prices are lw and fewer units are bught when prices are high. Eventually, the average cst per unit f the investment prduct will becme smaller. Dllar cst averaging reduces the risk f investing a large amunt in a single investment at a wrng time. 12. Hw can I keep track f my investments? As a custmer f HSBC, yu may keep track f yur investment prtfli via Persnal Internet Banking under the Wealth Dashbard sectin. Page 5 f 5

Retirement Planning Options Annuities

Retirement Planning Options Annuities Retirement Planning Optins Annuities Everyne wants a glden retirement. But saving fr retirement is n easy task. The baby bmer generatin is graying. Mre and mre peple are appraching retirement age. With

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE The value f planning ahead The

More information

INVESTMENT BOND SUITABILITY QUESTIONNAIRE

INVESTMENT BOND SUITABILITY QUESTIONNAIRE INVESTMENT BOND SUITABILITY QUESTIONNAIRE We want t give yu the best financial advice. T d this, we will ask yu sme detailed questins t help us understand yur circumstances and bjectives. This will enable

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios NAVIPLAN PREMIUM LEARNING GUIDE Analyze, cmpare, and present insurance scenaris Cntents Analyze, cmpare, and present insurance scenaris 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Analyze

More information

R o t h IRAs : How They W o r k and How to Use Them

R o t h IRAs : How They W o r k and How to Use Them R t h IRAs : Hw They W r k and Hw t Use Them Rth IRAs differ frm ther tax-favred retirement plans, including ther IRAs (called "traditinal IRAs"), in that they prmise cmplete tax exemptin n distributin.

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

Insurance Review. Types of Insurance Life Disability Property & Casualty Health Long-Term Care. Life Insurance What is life insurance?

Insurance Review. Types of Insurance Life Disability Property & Casualty Health Long-Term Care. Life Insurance What is life insurance? Insurance Review Insurance needs can change ver time as yu experience changes in yur life. The purpse f this dcument is t prvide a high-level verview f the varius types f insurance, ptential cverage benefits,

More information

Getting Ready for Finance

Getting Ready for Finance Getting Ready fr Finance When yur business needs finance it is imprtant t plan yur apprach t ptential lenders prir t making the appintment t present yur applicatin. The reasn fr this is that a well-prepared

More information

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals Budget Wrkbk This budget wrkbk was cmpiled t help yu find a simple and practical guide fr managing yur mney. Mney management abilities can have a great effect n the degree f satisfactin we gain frm life.

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths

More information

Typical Interview Questions and Answers

Typical Interview Questions and Answers Typical Interview Questins and Answers Why d yu want t wrk fr this cmpany? Why are yu interested in this jb? The interviewer is trying t determine what yu knw and like abut the cmpany, whether yu will

More information

Student Finance Myth Busting

Student Finance Myth Busting Student Finance Myth Busting Student Finance Mythbusting It s nw three years since student finance in England was radically verhauled, yet myths, panic and cnfusin are still widespread. S frget the plitics,

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Existing insurance coverage

NAVIPLAN PREMIUM LEARNING GUIDE. Existing insurance coverage NAVIPLAN PREMIUM LEARNING GUIDE Existing insurance cverage Cntents Existing insurance cverage 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Enter yur clients existing life, disability,

More information

Loan Repayment Planning Worksheet

Loan Repayment Planning Worksheet Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage

More information

Life Maker Pension Plan

Life Maker Pension Plan COVER PAGE Life Maker Pensin Plan IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. A pensin plan that helps yu plan yur secnd innings. INSIDE PAGES The Life Maker

More information

Thinking Different About Alternative Financing Options

Thinking Different About Alternative Financing Options Thinking Different Abut Alternative Financing Optins Christpher Mills Senir Business Develpment Officer Federal Natinal Cmmercial Credit This whitepaper will make yu think differently abut alternative

More information

How much life insurance do I need? Wrong question!

How much life insurance do I need? Wrong question! Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be

More information

managing your student loan portfolio

managing your student loan portfolio managing yur student lan prtfli Table f cntents 2 Step 1. Cnsider Yur Payment Optins 4 Step 2. Ask Yurself: Is Lan Cnslidatin Right Fr Me? 5 Step 3. Determine What Lans Are In Yur Prtfli 7 Step 4. Estimate

More information

Fixed vs. Variable Interest Rates

Fixed vs. Variable Interest Rates Fixed vs. Variable Interest Rates Understanding the Advantages and Disadvantages f Each Rate Type When shpping fr financial prducts, there are a lt f factrs t cnsider. Much has changed in the financial

More information

Basics Of Stock Market. By Ronak Nangalia Sohrab Kothari

Basics Of Stock Market. By Ronak Nangalia Sohrab Kothari Basics Of Stck Market By Rnak Nangalia Shrab Kthari Investment & Need f Investment The mney yu earn is partly spent and the rest saved fr meeting future expenses. Instead f keeping the savings idle yu

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014 INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR December 1, 2014 1 Table f Cntents Page Objectives & Methdlgy. 3 Executive Summary 4 Detailed Findings... 6 Questinnaire. 14 2 Objectives & Methdlgy

More information

The Franchise Commitment: Scotiabank Guide to Choosing a Franchise

The Franchise Commitment: Scotiabank Guide to Choosing a Franchise Franchising & Sctiabank The Franchise Cmmitment: Sctiabank Guide t Chsing a Franchise At Sctiabank, we recgnize the imprtant cntributin that franchised businesses are making t ur ecnmy. As a result, we

More information

Relationship Disclosure Document

Relationship Disclosure Document Relatinship Disclsure Dcument Intrductin Lightyear Capital Inc. wuld like t welcme yu as a client f ur firm. We very much hpe t build a relatinship with yu that yu will find highly satisfactry. The purpse

More information

Allocation to Investment Grade Corporate Bonds is it time to reconsider? KPMG Investment Advisory August 2013

Allocation to Investment Grade Corporate Bonds is it time to reconsider? KPMG Investment Advisory August 2013 Allcatin t Investment Grade Crprate Bnds is it time t recnsider? KPMG Investment Advisry August 2013 Intrductin In this paper we take a fresh lk at the investment case fr UK Investment Grade Crprate Bnds,

More information

CHECKING ACCOUNTS AND ATM TRANSACTIONS

CHECKING ACCOUNTS AND ATM TRANSACTIONS 1 Grades 6-8 Lessn 1 CHECKING ACCOUNTS AND ATM TRANSACTIONS Tpic t Teach: This lessn is intended fr middle schl students in sixth thrugh eighth grades during a frty minute time perid. The lessn teaches

More information

SWARTHMORE GIFT PLANNING

SWARTHMORE GIFT PLANNING SWARTHMORE GIFT PLANNING Gift Basics Thank yu fr serving as a 50 th reunin gift planning representative fr yur class. Yur supprt fr the Cllege and yur membership in the Swarthmre Legacy Circle will serve

More information

Financial Aid Summary: Get Money for College

Financial Aid Summary: Get Money for College Financial Aid Summary: Get Mney fr Cllege Whether yu're enrlling in cllege fr the first time r returning t schl after a perid f time ff, yu shuld apply fr federal student aid. Federal student aid frm the

More information

Be Your Own Financial Planner Financial Workshop

Be Your Own Financial Planner Financial Workshop Be Yur Own Financial Planner Financial Wrkshp Special presentatin fr: [Yur Lg Here] Objectives: Get Organized Knw yur imprtant financial numbers. Create a simple budget that is easy t fllw. Make Sure Yur

More information

SUMMARY OF SURVEY FINDINGS

SUMMARY OF SURVEY FINDINGS MEMORANDUM TO: Allstate FROM: FTI Cnsulting DATE: 05 / 29 / 2015 RE: Allstate/Natinal Jurnal Heartland Mnitr XXIII Key Findings This memrandum utlines key findings frm a natinal survey f American adults

More information

Travel Insurance. Is your insurance company listening to you? Handbook on

Travel Insurance. Is your insurance company listening to you? Handbook on Is yur insurance cmpany listening t yu? If yur cmplaints have nt been addressed by yur insurance cmpany, please cntact t register yur cmplaints and track their status r yu may email us at cmplaints@irda.gv.in

More information

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Life Invest TM Plan UIN 104L031V01 IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Life Invest is a pwerful insurance plan that empwers yu t manage yur investments

More information

DECISION MAKING & PROBLEM SOLVING

DECISION MAKING & PROBLEM SOLVING Fact Sheet 7 Steps t Slve a Prblem Step 1 Identify the prblem clearly What are the facts f the situatin? Analysing: Explre the prblem Step 2 Establish the desired utcmes What results are yu aiming fr?

More information

DALBAR Due Diligence: Trust, but Verify

DALBAR Due Diligence: Trust, but Verify BEST INTEREST INVESTMENT RECOMMENDATIONS Advisr Rle under Best Interest Regulatins January 27, 2016 In the era when the cntractual bligatin is t act in the client s best interest, investment decisins can

More information

Blizzard Ball: Snowballs versus Avalanches

Blizzard Ball: Snowballs versus Avalanches Blizzard Ball: Snwballs versus Avalanches Blizzard Ball is a fun, active way t review the key cncepts f and debt cvered in Katrina s Classrm Lessn 3, A Fresh Start. The activity allws players t strategize

More information

Personal Financial Literacy: An Introduction to Financial Planning

Personal Financial Literacy: An Introduction to Financial Planning Persnal Financial Literacy: An Intrductin t Financial Planning Overview In this intrductry lessn n persnal financial literacy, students will discuss the imprtance f financial planning and the varius steps

More information

MONTHLY PREMIUM OPTIONS

MONTHLY PREMIUM OPTIONS GROUP FUNERAL SCHEME BROKERS FSP35033 TEL: (021) 919 1861 VOX: 087 808 3007 FAX: (021) 9195072 / 086 628 0359 Email: inf@insurancepartners.c.za Web: www.insurancepartners.c.za Up t R20000 fr all persns

More information

RI Student Loan Authority

RI Student Loan Authority RI Student Lan Authrity Executive Summary f Strategic Plan Apprved by RISLA Bard f Directrs Octber 17, 2014 Missin Statement: Cnsistent with the authrity granted by the General Assembly f the State f Rhde

More information

HOW TO SELECT A LIFE INSURANCE COMPANY

HOW TO SELECT A LIFE INSURANCE COMPANY HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman Small Business Fraud Custm Study amng Small Business Owners Cnducted fr SunTrust Banks/Natinal Small Business Assciatin/Edelman Octber 17, 2007 Objective & Methdlgy Objective In cllabratin with SunTrust

More information

RAMS Deposits FAQs RAMS Saver

RAMS Deposits FAQs RAMS Saver 12 May 2012 Accunt Sectin 1. Wh is eligible? Wh can pen a accunt? Yu can pen a accunt if yu satisfy all f the fllwing requirements: Yu are a persnal custmer (nt a business, cmpany r trust) Yu are aged

More information

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport Yur Mney: Hw t manage n AmeriCrps lw wages, save mney and get ut f debt! Presented by: Sarah Yunker-Keppel, Indiana Reading Crps Prgram Directr Facilitatr s Guide If yu are making lw wages (living paycheck

More information

The Cost of Not Nurturing Leads

The Cost of Not Nurturing Leads The Cst f Nt Nurturing Leads The Cst f Nt Nurturing Leads The legacy yu are stuck in and the steps essential t change it Lisa Cramer President LeadLife Slutins, Inc. lcramer@leadlife.cm 770-670-6702 2009

More information

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference Understanding Federal Direct Cnslidatin Lans 2012 Spring MASFAA Cnference UNDERSTANDING FEDERAL DIRECT & SPECIAL CONSOLIDATION LOANS Amy M. Mser, Reginal Directr Nelnet Educatin Lan Services 2 Nelnet Educatin

More information

FREEDOM 1. Smart Saver Flexible Premium Deferred Annuity Underwritten by USA Life One. Agent Product Brochure. For Agent Use Only

FREEDOM 1. Smart Saver Flexible Premium Deferred Annuity Underwritten by USA Life One. Agent Product Brochure. For Agent Use Only Underwritten by USA Life One Agent Prduct Brchure Fr Agent Use Only Here is what we knw thus far: We knw that annuities have surrender perids. The average annuity surrender perid is smewhere between five

More information

How to Finance your Investment

How to Finance your Investment Hw t Finance yur Investment Acquiring a Lan - Key Steps Using the bank's mney t finance the purchase f a business rather than using yur wn capital will give yu significant tax advantages, s speak t yur

More information

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program Refinancing Sectin 95 & 61 c-ps CHF Canada s Refinancing Prgram Lndn Educatin Event 2015 0 CHF Canada s Refinancing Prgram Intrductins Sectin 95 & Sectin 61 Purpse f the Refinancing Prgram Hw the new mrtgage

More information

DIGITAL MARKETING STRATEGY CHECKLIST

DIGITAL MARKETING STRATEGY CHECKLIST DIGITAL MARKETING STRATEGY CHECKLIST [CAMPAIGN NAME HERE] 1. SET CAMPAIGN GOALS What is yur mtivatin fr running this campaign? (e.g. sell 20,000 wrth f gift vuchers in x number f mnths) Are yur gals SMART?

More information

2012-13. YouthBuild AmeriCorps Program Manual: Education Award

2012-13. YouthBuild AmeriCorps Program Manual: Education Award 2012-13 YuthBuild AmeriCrps Prgram Manual: Educatin Award Table f Cntents The Segal Educatin Award: Basics... 4 The My AmeriCrps System... 5 Using the My AmeriCrps System... 6 The Official Wrd n the Educatin

More information

Understanding your home financing options and mortgage features

Understanding your home financing options and mortgage features Understanding yur hme financing ptins and mrtgage features At, we understand the imprtant rle yur hme plays in yur life. That s why we are cmmitted t prviding yu infrmatin that will help yu make infrmed

More information

Using PayPal Website Payments Pro UK with ProductCart

Using PayPal Website Payments Pro UK with ProductCart Using PayPal Website Payments Pr UK with PrductCart Overview... 2 Abut PayPal Website Payments Pr & Express Checkut... 2 What is Website Payments Pr?... 2 Website Payments Pr and Website Payments Standard...

More information

The shared ownership calculator is available to download from the HCA s capital funding guide.

The shared ownership calculator is available to download from the HCA s capital funding guide. Shared Ownership Affrdability Calculatrs Guidance nte Plicy The calculatr has been created t supprt further emphases being placed n applicants applying fr shared wnership maximising their wn cntributin

More information

SUMMARY This is what Business Analysts do in the real world when embarking on a new project: they analyse

SUMMARY This is what Business Analysts do in the real world when embarking on a new project: they analyse S yu want t be a Business Analyst? Analyst analyse thyself. SUMMARY This is what Business Analysts d in the real wrld when embarking n a new prject: they analyse Why? Why are we ding this prject - what

More information

Exploring your Student Loan Repayment Options

Exploring your Student Loan Repayment Options Explring yur Student Lan Repayment Optins Student Lan Crisis Yu Are Nt Alne! Currently at $1.26 trillin Increasing at $2,854 per secnd Average debt lad $29,400 43 millin Americans carrying student lan

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet

More information

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING.

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING. Frequently Asked Questins My applicatin fr an ING lan has been accepted. S, where d I have t g t sign the agreements? What is the minimum term fr an instalment lan? What is the maximum term fr an instalment

More information

ANTI MONEY LAUNDERING POLICY

ANTI MONEY LAUNDERING POLICY What is mney laundering? ANTI MONEY LAUNDERING POLICY 1. Mney laundering is where mney btained, as a result f a crime, is used t pay fr services r gds. Althugh the term mney laundering is usually assciated

More information

A Guide to Buying Foreclosures

A Guide to Buying Foreclosures A Guide t Buying Freclsures Use this step by step guide t better understand the freclsure market and the prcess invlved in purchasing these prperties. 9 Steps t help yu buy a freclsure. A Guide t Buying

More information

General Education Program Summary

General Education Program Summary Institutin: University f Pittsburgh Website: http://www.pitt.edu/ General Educatin Prgram Summary Overview: The University f Pittsburgh has undergraduate prgrams in the schls f: Arts and Sciences, Business,

More information

To help you, most jobs with application forms make the criteria they measure against explicit, this is either by:

To help you, most jobs with application forms make the criteria they measure against explicit, this is either by: Applicatin Frms Applicatin Frms Applicatin frms are used as a way f selecting between applicants. Sme jbs can be extremely cmpetitive, with sme graduate training schemes attracting thusands f applicatins

More information

Developing Your Professional Portfolio

Developing Your Professional Portfolio Cntact Infrmatin: Phne: (703) 677 3400 Fax: (703) 205 7645 Email: inf@uncfsp.rg Website: www.uncfsp.rg Develping Yur Prfessinal Prtfli WHAT IS A PROFESSIONAL PORTFOLIO A prfessinal prtfli is an rganized

More information

Customer Care Policy

Customer Care Policy Custmer Care Plicy Page 1 f 12 CUSTOMER CARE POLICY Keighley & District Vlunteer Centre and Bradfrd Vlunteer Centre are independent charities that wrk in partnership t prmte vlunteering and t supprt lcal

More information

WSI White Paper. Prepared by: Feras Alhlou Web Analytics Expert, WSI

WSI White Paper. Prepared by: Feras Alhlou Web Analytics Expert, WSI Optimize Yur Marketing Dllars During The Recessin WSI White Paper Prepared by: Feras Alhlu Web Analytics Expert, WSI Intrductin We have heard it many times, an ld management and marketing saying: Yu Can

More information

NDB TRAVEL PAL. National Development Bank PLC. - Card Business -

NDB TRAVEL PAL. National Development Bank PLC. - Card Business - NDB TRAVEL PAL Natinal Develpment Bank PLC - Card Business - 1. What is NDB TravelPal Card? NDB TRAVELPAL is a pre-paid freign currency card that makes yur freign trips hassle-free and cnvenient. Yu can

More information

Conversations of Performance Management

Conversations of Performance Management Cnversatins f Perfrmance Management Perfrmance Management at Ohi State The Secnd Cnversatin ~ Develpment 2011 The Ohi State University Office f Human Resurces Cntents Intrductin Welcme t Develping Emplyees...

More information

Guide to Marketing Faculty-Led Study Abroad Programs

Guide to Marketing Faculty-Led Study Abroad Programs Guide t Marketing Faculty-Led Study Abrad Prgrams Surces used in the cmpletin f this manual include faculty handbks frm UW-Oshksh, The University f Alabama, and Twsn.. Fr questins r cmments regarding this

More information

Aim The aim of a communication plan states the overall goal of the communication effort.

Aim The aim of a communication plan states the overall goal of the communication effort. Develping a Cmmunicatin Plan- Aim Aim The aim f a cmmunicatin plan states the verall gal f the cmmunicatin effrt. Determining the Aim Ask yurself r yur team what the verall gal f the cmmunicatin plan is.

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

The Millionaire Real Estate Agent (MREA) Book Club Guide

The Millionaire Real Estate Agent (MREA) Book Club Guide The Millinaire Real Estate Agent (MREA) Bk Club Guide An MREA bk club is a great way fr agents t strengthen their skills and understanding f The Millinaire Real Estate Agent in a mastermind-type envirnment.

More information

Phi Kappa Sigma International Fraternity Insurance Billing Methodology

Phi Kappa Sigma International Fraternity Insurance Billing Methodology Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t

More information

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006)

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006) Marketing Cnsultancy Divisin (MCD) Exprt Cnsultancy Unit (ECU) Exprt in Fcus Exprt Market Expansin Strategies Rabi-I, 1427 (April, 2006) 1 Exprt Market Expansin Strategies Intrductin It is clear that glbalizatin

More information

Dual Enrollment Programs: Educating the Next Generation Webinar Notes

Dual Enrollment Programs: Educating the Next Generation Webinar Notes Dual Enrllment Prgrams: Educating the Next Generatin Webinar Ntes What are Dual Enrllment Prgrams? Terminlgy fr dual enrllment prgrams varies widely frm state t state. 22 states use the term Dual Enrllment,

More information

UW Tacoma Cashier s Office Orientation. Tuition and Fee Payments Authorization Release Other Important Information

UW Tacoma Cashier s Office Orientation. Tuition and Fee Payments Authorization Release Other Important Information UW Tacma Cashier s Office Orientatin Tuitin and Fee Payments Authrizatin Release Other Imprtant Infrmatin Presented by Finance and Administratin CAR 400 Carltn Center 1551 Bradway This is where yu will

More information

How to Address Key Selection Criteria

How to Address Key Selection Criteria Hw t Address Key Selectin Criteria Yu've seen an jb pprtunity that yu're interested in, n a jbs bard r in the press and want t apply, but where d yu start? A key requirement fr jbs in Gvernment is t respnd

More information

Event Planning Questions To Answer Before You Begin i

Event Planning Questions To Answer Before You Begin i Event Planning Questins T Answer Befre Yu Begin i 1. D yu have clear gals fr staging a special event? Is the purpse t raise mney? Assuming ne f yur purpses is t raise funds, it is imprtant t determine

More information

Overview of the Edit Options Page for Individual Student Courses

Overview of the Edit Options Page for Individual Student Courses Overview f the Edit Optins Page fr Individual Student Curses Edit Optins fr an Individual Student s Curse The Edit Optins page allws teachers t cntrl curse features such as passing threshlds, grade weights,

More information

INTERNATIONAL SOCIETY FOR PHARMACEUTICAL ENGINEERING, INC. INVESTMENT POLICY March 2014

INTERNATIONAL SOCIETY FOR PHARMACEUTICAL ENGINEERING, INC. INVESTMENT POLICY March 2014 INTERNATIONAL SOCIETY FOR PHARMACEUTICAL ENGINEERING, INC. INVESTMENT POLICY March 2014 Overview 1. This statement f Investment Plicy has been adpted by the Bard f Directrs f the Internatinal Sciety fr

More information

How Checking Accounts Work

How Checking Accounts Work Hw Checking Accunts Wrk LESSON PREPARATION AND TEACHER INFORMATION Lessn Summary: This lessn is intended fr high schl students during a frty minute time perid. The lessn teaches students the purpse f a

More information

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions. This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented

More information

White Paper on Business Process Outsourcing in Automotive Industry

White Paper on Business Process Outsourcing in Automotive Industry White Paper n Business Prcess Outsurcing in Autmtive Industry Intrductin As autmtive industry is stepping int a market landscape which is favrable t it, there is untapped market ptential which is critically

More information

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

Ecommerce anyone? Options for setting up online purchasing on your website.

Ecommerce anyone? Options for setting up online purchasing on your website. Ecmmerce anyne? Optins fr setting up nline purchasing n yur website. Let s face it; shpping nline is easy and cnvenient and cnsumers lve it. Yu can buy almst anything nline and with a few clicks f yur

More information

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website. Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13

More information

Consumer Complaint Roadmap

Consumer Complaint Roadmap Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst

More information

Using IBD SmartSelect Ratings

Using IBD SmartSelect Ratings Using IBD SmartSelect Ratings Chapter 1 - IBD SmartSelect Ratings With mre than 5,500 stcks trading n U.S. exchanges, searching fr a winning investment candidate culd be a daunting - and time-cnsuming

More information

Derivative Markets and Instruments

Derivative Markets and Instruments 1 Mdule # 6 Cmpnent # 1 This Cmpnent: fcuses n the basics f as part f ur examinatin f Derivatives. assumes a base level f financial thery, but attempts t add a level f practical applicatin. We attempt

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

FoolProof Teacher Guides

FoolProof Teacher Guides Mike Sheffer Directr f Educatin FlPrf Teacher Guides Intrducing FlPrf Int Yur Curriculum Thanks fr becming a FlPrf teacher! Yu ll find eighteen separate teacher guides n this website ne fr each mdule.

More information

FNB Cellphone Banking. Frequently Asked Question

FNB Cellphone Banking. Frequently Asked Question FNB Cellphne Banking Frequently Asked Questin Q1: D I need t have a specific cellphne befre I start using Cellphne Banking frm FNB? N, anyne, with any cellphne, n any netwrk can start banking by simply

More information

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick;

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick; The Affrdable Care Act Health Insurance Respnsibilities f Large, Midsize & Small Emplyers; Buying Insurance n the Individual Health Insurance Marketplace and the Small Business Health Optins Prgram Intrductin:

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM

COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM Office f Career & Prfessinal Develpment 2014, UC Hastings Cllege f the Law The fllwing are examples f the mst cmmn interview questins. Speak

More information

Team Hpe Walk fr HD Where we have been. Where we are ging. 1 Welcme T Team Hpe Walk fr HD 2009! Jana Wilcx, Natinal Manager 2 Tday s Gals Gal #1: Share with yu The Visin f the Walk Initiative Prvide a

More information

Baltimore Conference Call with Director of Student Services 11-18-13

Baltimore Conference Call with Director of Student Services 11-18-13 Baltimre Cnference Call with Directr f Student Services 11-18-13 80,000 students 85% FRL Cntent f Cde Had 26,000 suspensins per year --- had a 24% drp in Year 1 after Cde changed Suspensin nw used as last

More information