Basics Of Investment, Types Of Investment, Mutual Fund Investment. The fundamentals. The world of finance can be complicated and quite intimidating at times. We believe investments, as a practice is inherently simple, once you understand some of the major concepts and the lingo associated with them. In this section we endeavour to educate current or potential investors on the practice of investing from the ground up. Stock Basics; Economics Basics. An Introduction To The Indian Stock Market. What is a mutual fund. Why Asset Allocation Trumps Actual Investment Selection. Learn More About Mutual Funds. Basics Types of Funds. You just need to know a few basics. Understand the investment implications that come with a job change and related terminology such as lump sum distributions and. What is investing? It's actually pretty simple: investing means putting your money to work for you–actually, it's a different way to think about how to make money. Growing up, most of us were taught that you can earn an income only by getting a job and working. Free PDF download – beginners guide to investing in the stock market. Stock Market Basics Pdf Download. Learn about the basics of investing and help your money grow. There are many different ways you can go about making an investment. And so that's what most of us do. But there's a limit to how much we can work and how much money we make out of it–not to mention the fact that having a bunch of money is no fun if we don't have the leisure time to enjoy it. So, since you cannot create a duplicate of yourself to increase your working time, you need to send an extension of yourself–your money–to work. Erica Abbott & Jean Lown, FCHD Dept., USU. Determinants of Portfolio. More Investing 101 How Do I Invest? First, get your finances in order, and then pick a strategy that's right for you. What Should I Invest In? Stock Basics Tutorial. Stocks Basics: What Causes Stock Prices To Change? Basics Of Investment In India Pdf CreatorThat way, while you are putting in hours for your employer, sleeping, reading the paper, or socializing with friends, you can also be earning money elsewhere. Quite simply, making your money work for you maximizes your earning potential whether or not you receive a raise, decide to work overtime, or look for a higher–paying job. There are many different ways you can go about making an investment. This includes putting money into stocks, bonds, mutual funds, real estate, gold etc. The point is that no matter the method you choose to invest, the goal is always to put your money to work so it earns you an additional profit. Even though this is a simple idea, it's the most important concept for you to understand. What investing is not? Investing is NOT gambling. Gambling is putting money at risk by betting on an uncertain outcome with the hope that you might win money. Part of the confusion between investing and gambling, however, may come from the way some people use investment vehicles. For example, it could be argued that buying a stock based on a 'hot tip' you heard at the water cooler is essentially the same as placing a bet at a casino. A 'real' investor does not simply throw his or her money at any random investment; he or she performs thorough analysis and commits capital only when there is a reasonable expectation of profit. Yes, there still is risk, and there are no guarantees, but investing is more than simply hoping lady luck is on your side. Why bother investing? Obviously, to earn more money. However, investing is becoming less of an extra thing to do and more of a necessity. For the average person, investing is the only way they can retire and yet maintain their present standard of living. By planning ahead you can ensure financial stability during your retirement. Now that you have a general idea of what investing is and why you should do it, it's time to learn about how investing lets you take advantage of one of the miracles of mathematics: compound interest. Compound interest. Albert Einstein said that compound interest is 'the greatest mathematical discovery of all time.'The wonder of compounding (sometimes called 'compound interest') transforms your money into an income- generating tool. Compounding is the process of generating earnings (multiplying your money) on presently invested money. To work, it requires two things: (1) the re- investment of earnings, and (2) time. The more time you give your investments, the more you are able to accelerate the income potential of your original investment, which takes the pressure off of you. To demonstrate, let's look at an example: If you invest INR1,0. INR1,0. 60 in one year (INR1,0. Now let's say that rather than withdraw the INR6. If you continue to earn the same rate of 6 per cent, your investment will grow to INR1,1. INR1,0. 60 x 1. 0. Because you re- invested that INR6. INR1. 23. 6 in total, as against INR1. INR1. 00. 0 for two years without reinvesting the INR6. This is INR3. 6. 0 more interest than the previous year. This little bit extra may seem a paltry amount now, but let's not forget that you didn't have to lift a finger to earn the extra INR3. More importantly, this INR3. After the next year, your investment will be worth INR1,1. INR1,1. 23. 6 x 1. This time you earned INR1. INR1. 1. 0. 16 more interest than the first year. This increase in the amount made each year is compounding in action: interest earning interest on interest and so on. It'll continue as long as you keep re- investing and earning interest. Starting early. Consider two individuals, we'll name them Ram and Sham. Both Ram and Sham are the same age. When Ram was 2. 5 he invested INR1. For simplicity, let's assume the interest rate was compounded annually. By the time Ram reaches 6. INR2. 21,7. 80 (INR1. At that time, he invested INR1. By the time Sham reaches age 6. INR1. 02,7. 27 (INR1. Both Ram and Sham are 6. Ram has INR1. 19,0. INR2. 21,7. 80 - INR1. Sham, even though he invested the same amount of money! By giving his investment more time to grow, Ram earned a total of INR2. Sham earned only INR8. Both Ram and Sham's earnings rates are demonstrated in the following chart: You can see that both investments start to grow slowly and then accelerate, as reflected in the increase in their curves' steepness. Ram's line becomes steeper as he nears his 6. In fact even if Sham had invested INR2. INR1. 36,9. 70, which is still lower than what Ram would have accumulated had he invested INR1. This clearly demonstrates the power of compounding and the benefits of investing early. So keep your hands off the principal invested and interest earned ! Knowing yourself. Even though all investors are trying to make money, they all come from diverse backgrounds and have different needs. It follows that specific investing vehicles and methods are suitable for certain types of investors. Although there are many factors that determine which path is optimal for an investor, we'll look at three main categories: investment objectives, timeframe, and your personality. Investment objectives. Generally speaking, investors have a few primary objectives: safety of capital, current income, or capital appreciation. These objectives depend on a person's age, stage/position in life, and personal circumstances. A 6. 5- year- old widow living off her retirement savings is far more interested in preserving the value of investments than a 3. Because the widow needs income from her investments to survive, she cannot risk losing her investment. The young executive, on the other hand, has time on his or her side and can therefore risk losing his money simply because he has time to make more money. An investor's financial position will also affect his or her objectives. A multi- millionaire is obviously going to have very different goals compared to a newly married couple just starting out. Timeframe. As a general rule, the shorter your time horizon, the more conservative you should be. If your investment is for a long- term objective like retirement planning and you are still in your 2. At the same time, if you start when you are young, you have the power of compounding on your side. On the other hand, if you are about to retire, then the opportunity to recover losses on your investments is limited and therefore it is critical to invest your assets conservatively. Your personality. Peter Lynch, one of the greatest investors of all time, has said that the 'key organ for investing is the stomach, not the brain.' In other words, you need to know how much volatility you can stand to see in your investments. Figuring this out is difficult; but there is some truth to an old investing maxim: you've taken on too much risk when you can't sleep at night because you are worrying about your investments. This is an indicator of your investment personality. Putting it all together: your risk tolerance. By now it is probably clear to you that the main thing determining what works best for an investor is his or her capacity to take on risk (to get an indication of your risk taking ability, use our Risk Profiler). The core factors that define your risk tolerance are: Investment Objectives. Timeframe. Your personality. Types of investments. Bonds. Grouped under the general category called 'fixed- income' securities, the term 'bond' is commonly used to refer to any founded on debt. When you purchase a bond, you are lending out your money to a company or government. In return, they agree to give you interest on your money and eventually pay you back the amount you lent out. The main attraction of bonds is their relative safety. If you are buying bonds from a stable government, your investment is virtually guaranteed (or . The safety and stability, however, come at a cost. Because there is little risk, there is little potential return. As a result, the rate of return on bonds is generally lower than other securities. Stocks. When you purchase stocks (or 'equities' as your advisor might put it), you become a part owner of the business. This entitles you to vote at the shareholder's meeting and allows you to receive any profits that the company allocates to its owners–these profits are referred to as dividends. While bonds provide a steady stream of income, stocks are volatile. That is, they fluctuate in value on a daily basis. When you buy a stock, you aren't guaranteed anything. Many stocks don't even pay dividends, making you any money only by increasing in value and going up in price–which might not happen. Compared to bonds, stocks provide relatively high potential returns. Of course, there is a price for this potential: you must assume the risk of losing some or all of your investment. Mutual Funds. A mutual fund is a collection of stocks and bonds. When you buy a mutual fund, you are pooling your money with a number of other investors, which in turn enables you (as part of a group) to pay a professional manager to select specific securities for you.
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Project Financing Notes - Free download as Word Doc (.doc), PDF File (.pdf), Text File (.txt) or read online for free. REQUEST: please contribute to keep this website going (project & notes only). Articles, Notes, and Book Chapters: This page contains six sections: 1) Project Finance Overviews and Theoretical Articles. Corporate Finance (2nd Edition) Lecture Notes; Weekly Puzzles. You can also download the files is portable document format (pdf). Project Management Lecture Notes II. International Finance Corporation’s Guidance Notes: Performance Standards on Environmental and Social Sustainability. However, these buses are in a very bad condition and they often break down and need to be pushed at times.“Even a little child can see these buses are not safe – they might cause an accident any time. We have spoken to the principal several times to ask for new buses.”Two weeks ago, when the KZN transport portfolio committee inspected the buses, parents had hoped they would be taken off the road. The Sunday Tribune went to the school on Thursday and found the buses were still operating. Two were parked outside waiting for pupils to finish writing exams. Some did not have windscreen wipers or hooters, had missing or non- functioning windows, the seat covers had rips in them, and the buses were rusty. Mteshane said the buses were also taking pupils from six other schools in the area and had been operating for three years. IN THE HIGH COURT OF SOUTH AFRICA. The issue for determination in this matter is whether the KwaZulu-Natal Liquor Licensing. All the buses had one thing in common – they were all registered with Mpumalanga number plates. One had a permit to transport passengers which expired in June. DA MPL Rafeek Shah, who was part of the committee that inspected the buses, described them as “coffins on wheels”.“Millions of rands in taxpayers’ money are paid annually to contracted transporters to take pupils to and from school, yet it appears some unscrupulous companies have chosen to use buses which belong on a scrap heap, with no concern whatsoever for the pupils’ safety.“The buses were all registered in Mpumalanga with roadworthy permits valid until 2. It is clear they could never have passed these tests. This could only have happened if someone literally drove to Mpumalanga with documents in hand, and renewed these licences by paying a bribe at a licensing bureau there.”Shah said he was disappointed the buses were still transporting pupils after the committee’s visit.“I am shocked and disappointed. The chairman of the portfolio committee, Mxolisi Kaunda, called the Road Traffic Inspectorate in Harding and instructed them to impound the buses on the day. How come they are still operating? This would not happen if officials within the department were dedicated to their jobs. It would also not happen if the local traffic law- enforcement authorities were diligent,” said Shah. The Department of Transport has a R1. Kwa. Zulu- Natal. A department of transport spokesman, Kwanele Ncalane, said it was aware the company providing the buses was not complying with safety standards.“We have been made aware by the transport portfolio committee and we have instructed the inspectorate to inspect all the buses belonging to that company; and some of the buses which did not meet safety requirements were taken off the road.“The company is aware that it should not compromise the safety of the passengers.“As the investigation is continuing, the company will be penalised for failure to comply with safety rules.“We will also be going to the depot to inspect all the company’s buses.”Sunday Tribune. KWAZULU-NATAL GAMING AND BETTING BOARD: 5. Consideration of applications by Board: 50. Decision-making in casino licensing: 51. Restriction on operating as. EThekwini’s Public Transport Plan Introduction 1.1 T. Vehicle registration plates of South Africa. In the Western Cape and KwaZulu-Natal. Natal Parks Board vehicles: NPC.
Radiologic Technologist Schools - Radiology Tech Programs. Radiologic Technologist fast facts. Learn about accredited radiation therapy schools to. This program also has an.CCSF provides outstanding training program in radiologic technology. Radiologic Technology Department at CCSF. Radiation Therapy Technology. An accredited program is a program that has been found to meet or exceed the Standards for an Accredited Program in Radiologic Technology. Major Radiation Therapy Technology Stage 5. Faculty and staff within the same program (at CCSF). Ccsf Radiation Therapy Technology Program Home; Prostate Cancer Government Funding; My Sister Has Pancreatic Cancer; Suffix Meaning Tumor. Ccsf Phlebotomy Program. City College of San Francisco Director. Radiation Therapy a health sciences program is required of any student claiming a medical or. Projected Jobs Created. Projected Job Growth. Low Salary$3. 8,1. Average Salary (Median)$5. High Salary$8. 1,6. Entry- Level EDUAssociate's Degree. Sourced From BLS, June 2. Most radiologic technology programs lead to two- year associate degrees, although some lead to a bachelor. In order to become credentialed by the American Registry of Radiologic Technologists (ARRT). Please reference the . For all aspiring radiologic technologists, it. Please check out the . To be accepted into radiologic technologist school, admissions committees typically call for official secondary school transcripts, a personal statement, a completed application, and a fee. Students may also need to complete specific prerequisite classes (e. TOEFL for non- native speakers of English). Select schools include: Bellevue College: Based in Bellevue, WA, this associate in arts (AA) degree in radiologic technology involves eight quarters of classroom work and clinical experiences. Courses include positioning & related anatomy, basic patient care procedures, and principles of radiographic exposure. Students must maintain at least a C in all courses to earn the degree and students should be prepared to sit for the ARRT exam upon completion. Students may later apply their associate degree toward a bachelor. A certificate of completion to work as an imaging aide is another education option available at the school. Tarrant County College: Based in Fort Worth, TX, this associate of applied science (AAS) degree in radiology technology is a two- year program with selective admission. It comprises courses such as patient care, radiographic imaging equipment, and radiation biology & protection, as well as several clinical practicums. Clinical hours are required and students must meet pre- screening requirements before participating. To even be considered for admission, two biology classes need to be completed as prerequisites. Chaffey College: Based in Rancho Cucamonga, CA, this associate degree program features 7. Chaffey has classes such as anatomy for radiologic positioning, radiographic pathology, and venipuncture for imaging professionals. Applicants to the program need to be in good physical health and are required to complete a health examination beforehand. Students also must have completed two biology courses in the five years prior to enrollment to be eligible for admission. The program prepares students for the ARRT board exam, on which the average passing rate at the school between 2. Foothill College: Based in Los Altos, CA, Foothill offers a 2. Instruction includes lectures, on- campus labs, and supervised hands- on learning experiences. Students start in the summer of their first year and work through eight terms, finishing up in the spring of their second year. In their second year, they are required to complete three practicums and learn about professional development in radiology. Students should be prepared to take the ARRT test upon graduation and to seek California state licensure. Greenville Technical College: Based in Greenville, SC, this associate program in radiologic technology program comprises of two phases. First, students complete general education requirements, and second is the specialized radiologic technology coursework such as anatomy & physiology, radiography, and medical terminology. The clinical assignments are completed during this phase and students may be required to work evenings or weekends. Upon completion of the program, students are generally eligible to sit for the ARRT exam. Please note that admission into the first phase of the program does not guarantee admission into the second phase. Metropolitan Community College: Based in Kansas City, Missouri, this associate of applied science (AAS) in radiologic technology lasts 2. Students need to receive a C or better in all their coursework, and may be required to travel outside the Kansas City area to complete some of their clinical mentorships. The program prepares students to sit for the ARRT exam upon completion. Associate vs. The ARRT recognizes that a four- year bachelor. Additionally, a bachelor. The University of North Carolina. With broad- based training in medical imaging, UNC has units in cardiac catheterization studies, vascular imaging, orthopedics, and pediatrics. Specific classes include pathophysiology, leadership in radiologic science, and clinical decisions in radiology. Overall, pursuing a bachelor. If the ARRT trend continues toward requiring more advanced educational preparation to qualify for professional credentialing, it. Forbes' 2. 01. 5 Ranking Of U. S. Schools. Stanford Graduate School of Business. Top MBA Learn about MBAs and. Europe - Global 200 Business Schools Report 2013/2014. The world’s top distance online MBA programs - out now! Forbes MBA Rankings 2016 2017. I want to do MBA from top university so tell me that which is the best business school in world according to Forbes. The Best Business Schools. Years to PaybackClass of 2010 Pre. For the first time, Stanford took top honors over Harvard in Poets&Quants' ranking of the top business schools in the U.S. 10 best MBA programs in the U.S.
Yale University’s School of Management continued its upward momentum in the rankings by rising seven places to finish 1. MBA programs published today (Sept. Forbes magazine. UC- Berkeley’s Haas School of Business and The University of Texas’ Mc. Combs School also scored substantial gains, rising six and seven places, respectively, to ranks of 8th for Berkeley and 1. UT. But the biggest winner yet again was Stanford University’s Graduate School of Business, a school that seems to be in the right place at the right time. In the middle of what some people are worrying is now a tech bubble, Stanford claimed undisputed possession of first place with the highest return- on- investment of any two- year MBA program in the world. For Stanford, it was the second consecutive No. Forbes and the third in the nine editions of the ranking dating back to 1. Only its perennial East Coast rival Harvard Business School, No. Rounding out the top five schools are No. Northwestern University’s Kellogg School of Management, No. Columbia Business School, and No. Dartmouth College’s Tuck School of Business, the only other school besides Harvard and Stanford to ever win first place in the Forbes ranking. Tuck won it twice in 2. Kellogg improved its standing by two spots, while Columbia moved up three places, and Tuck edged up one. THE BEST ROI FOR AN MBA DEGREE ANYWHERE IN THE WORLD? INSEADThough no MBA graduates are earning more money five years out than Stanford, several European schools turned out even better ROI numbers. In the category of one- year international MBA programs, INSEAD topped the list with a five- year MBA gain of $1. That compares with a 4. Stanford diploma. INSEAD was followed by No. Cambridge University, No. SDA Bocconi in Italy, and No. IE Business School in Spain. London Business School, meantime, topped Forbes’ two- year international list, with a five- year MBA gain of $1. Entering LBS students left annual salaries of $7. London was followed by No. CEIBs in China, and No. Hong Kong University of Science and Technology (see HEC Paris & Cambridge Judge Gain Big Ground in Forbes 2. MBA Ranking). Forbes routinely publishes three separate rankings every two years: One for two- year U. S. One- year programs hold an obvious advantage when it comes to crunching ROI because students only lose one year of pay to get the degree and only have to pay one year’s worth of tuition. It would be tempting to suggest that schools which guide more MBA grads into finance might have taken a bigger hit in this ROI measurement which is based on more than 4,0. Class of 2. 01. 0. But gains by other schools, such as Columbia and New York University’s Stern School, that are largely dependent on Wall Street and finance, would prove that theory false. Unlike other MBA lists that often use a wide variety of metrics to rank schools, the Forbes methodology produces a . The magazine gathers all its rankings data from alumni, comparing graduates’ earnings in their first five years after graduation to their opportunity costs, including two years of lost income, tuition and fees, to calculate a five- year MBA gain. All the schools are ranked on the average five- year MBA gain for the Class of 2. Great Recession. Forbes said it had a 2. Schools with response rates under 1. ROI after five years. The magazine adjusts the median five- year gains for cost- of- living expenses and discounts tuition to account for students who pay in- state rates and for scholarships and non- repayable financial aid. Bottom line: If the graduates reporting the numbers are telling the truth, this is a fairly good set of data to judge the worth of an MBA degree.(See following page for the Top 2. Libro Record Guiness 2. Pdf Libro Records Guinness 2. Pdf. Guiness rekordok k. Free books and manuals. Share Ebook Guinness World Records 2012 Guinness. For many records, Guinness World Records is the effective authority on the exact requirements for them and with whom records reside, the company providing. Der talentierte Hund Smurf bekommt einen Eintrag in das Guinness World Records 2017 Buch f Download Guinness World Records 2012 or any other file from Books category. Guinness World Records. GUINNESS BOOK OF RECORDS www.guinnessworldrecords.com/index.asp?ID=58383. Guinness Book Of World Record Free Download Pdf. Guinness World Records. Free PDF Download Books by Guinness World Records. Incredible Records of Human Achievment (Guinness World Reco. EBOOK Guinness World Records 2012 PDF for free.
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Pentru indeplinirea obligatiilor profesionale, orice notar public se poate deplasa si in afara sediului acestui birou notarial, in limitele circumscriptiei teritoriale a judecatoriei in care isi desfasoara activitatea. Pentru asigurarea secretului profesional, acte notariale si lucrarile notariale cu caracter profesional aflate asupra unui notar public sau in biroul sau sunt inviolabile, acestea putand fi verificate sau ridicate numai in conditiile legii si in conformitate cu prevederile Codului de procedura penala, cu modificarile si completarile ulterioare. Notarul public si personalul unui notariat public au obligatia sa pastreze secretul profesional cu privire la actele si faptele despre care au luat cunostinta in cadrul activitatii lor, chiar si dupa incetarea functiei, respectiv dupa incetarea raporturilor de munca, cu exceptia cazurilor in care legea sau partile interesate ii elibereaza de aceasta obligatie. Inscrisurile referitoare la acte notariale se redacteaza potrivit vointei partilor si in conditiile prevazute de lege. Notarul public are obligatia sa desluseasca raporturile juridice dintre parti cu privire la actul pe care vor sa- l incheie in cadrul unui notariat public, sa verifice daca scopul pe care il urmaresc este in conformitate cu legea si sa le dea indrumarile necesare asupra efectelor lui juridice. De asemenea, el trebuie sa ceara partilor, ori de cate ori este cazul, acte notariale, documentele justificative si autorizatiile necesare pentru incheierea actului sau, la cererea acestora, va putea obtine el insusi documentatia necesara, avand acces liber la orice registru public,efectul diligentelor acestuia urmand a fi transpunerea intr- un act notarial a vointei partilor. Notariat sector 3 Bucuresti - Calea Vitan. In atentia tuturor beneficiarilor serviciilor notariale. Camera Notarilor Publici Bucuresti este persoana juridica si a fost creata. Cabinete de Notariat din Bucuresti » Adauga site: Cabinet Notarial State.
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