zilongwang/ReadingBank huggingface dataset:
Finance UM Analytics Training Sessions Please visit the ULearn Training Site to register: https://humanresources.umn.edu/working-u/ulearn UMA103 - Creating Basic Analyses and Dashboards with Financial Data [3-hours, hands-on, $0.00] This course will focus on analyzing data from University sources (such as the University data warehouse) using UM Analytics, the Oracle Business Intelligence tool. Topics Include Creating, formatting, and manipulating different types of analyses (tables, pivot tables, graphs, etc.) Customizing analyses using filters, prompts, conditional formats, and calculations Creating basic dashboards Content Note This course uses financial data for activities. If you regularly work with student data, we suggest you register for instead. Wait List Guidelines If a session is full, you will be asked if you want to be added to the wait list - be sure to click "yes” (the question will appear in red either above or below the description). People on the waitlist are encouraged to attend the first day of class to see if a seat has opened for them. Upcoming Sessions Wednesday 5/2 1-4pm Wednesday 6/13 9-12am Thursday 7/19 1-4pm Wednesday 8/8 1-4pm UMA113 - UM Analytics Open Lab [3-hours, lab, $0.00] This lab session complements both the UMA103 - Creating Basic Analyses and Dashboards in UM Analytics with Financial Data course and the UMA102 - Creating Basic Analyses and Dashboards in UM Analytics with Student Data, giving participants an opportunity to work on their own projects with support staff present to answer questions. Members of the finance reporting team and the student reporting team will be available for one-on-one questions related to building content in UM Analytics. Feel free to arrive and leave as your calendar allows. Upcoming Sessions Wednesday 5/16 1-4pm Tuesday 6/26 9-12am Thursday 7/26 9-12am Wednesday 8/22 1-4pm
Cash value is liquid and you can borrow against it any time for any reason. (It can also be withdrawn, but we don't recommend withdrawals in most situations.) Cash value becomes "all-purpose" savings that, like a Swiss army knife, can be used for multiple purposes... home repairs, college tuition, a rental property down payment, healthcare costs, business expenses, a new car, etc. By being able to save in one large account (instead of many other smaller, single-purpose accounts), you can build liquidity and financial flexibility. Policy loans can be repaid on the borrower's schedule while the cash value used as collateral keeps growing, unaffected by the loan. Permanent insurance increases the policy holder's estate value and creates legacies for heirs and charities. The death benefit grows with a whole life policy and provides additional value to the estate. In certain situations, death benefits can be utilized by the policy holder while still living, as policies can be sold on the secondary insurance market or death benefits can be accelerated according to riders in cases of terminal illness. An adequately-funded permanent insurance policy with a Waiver of Premium rider can potentially eliminate the need for disability insurance or term life insurance. In many states, whole life policy cash value accounts are protected from liens, lawsuits, and (in all states) from the prying eyes of the IRS. Life insurance policy cash value is not counted as an asset for college, nor are dividends considered income by the IRS. Dividends can create reliable permanent retirement income at rates of return far beyond bank products, with greater protection and privacy of principle. (Although not guaranteed, dividends have been paid by mutual insurance companies for over 150 years through every economic challenge imaginable.) I describe MANY ways to use this age-old, rock solid financial strategy in my first book, . I encourage anyone who owns (or is considering owning) whole life insurance to read this little book - it's a "handbook" for getting the most out of your policy! The BIG Bonus of Saving:
8 Bribery and Corrupt Practices 8.1 The College is committed to the highest standards of openness, integrity and accountability and seeks to conduct its affairs in a responsible manner. As a part of this ethos the College has a zero-tolerance for bribery and corrupt practices. 8.2 Although the College’s activities present low risk of contravening the revised Bribery Act 2010, as its business is undertaken primarily in the United Kingdom, an offence of failing to prevent bribery can be avoided by demonstrating that adequate procedures are in place to prevent it. 8.3 Procedures must be commensurate with the bribery risks faced. Management of this risk is the responsibility of the Vice Principal (Finance and Corporate Services) and is implemented through its inclusion in the Risk Management procedures, as detailed in 7 above, which are subject to regular reviews by the governing body. C Financial Management and Control 9 Financial Planning 9.1 The Assistant Principal (Finance and Human Resources) is responsible for preparing annually a rolling three-year financial plan for approval by the governing body on the recommendation of the Resources Committee and for preparing financial forecasts for submission to the funding body. Financial plans should be consistent with the strategic plan and property strategy approved by the governing body. 9.2 Budget Objectives The governing body will, from time to time, set key financial objectives for the college. These will help the Assistant Principal (Finance and Human Resources) in preparing his or her more detailed financial plans for the college. 9.3 Budget Preparation The Assistant Principal (Finance and Human Resources) is responsible for preparing each year an annual revenue budget and capital programme for consideration by the Resources Committee before submission to the governing body. The budget should also include monthly cash flow forecasts for the year and a projected year-end balance
RISK MANAGEMENT The council is responsible for putting in place arrangements for the management of risk. The Clerk/RFO shall prepare, for approval by the council, risk management policy statements in respect of all activities of the council. Risk policy statements and consequential risk management arrangements shall be reviewed by the council at least annually. When considering any new activity, the Clerk/RFO shall prepare a draft risk assessment including risk management proposals for consideration and adoption by the council. SUSPENSION AND REVISION OF FINANCIAL REGULATIONS It shall be the duty of the council to review the Financial Regulations of the council from time to time. The Clerk shall make arrangements to monitor changes in legislation or proper practices and shall advise the council of any requirement for a consequential amendment to these Financial Regulations. The council may, by resolution of the council duly notified prior to the relevant meeting of council, suspend any part of these Financial Regulations provided that reasons for the suspension are recorded and that an assessment of the risks arising has been drawn up and presented in advance to all members of council. * * * END OF FINANCIAL REGULATIONS MAY 2018
Area Action Specific Delegated Action Delegated to Financial Limits (where applicable) Executing University Contracts For the purchase of goods and services in relation to the ordinary activities within a College or Professional Service area To execute a contract Director of Service or SMT Lead Up to £100,000 over the life of the contract Director of Service or SMT Lead, with advice taken from the Head of Purchasing and Procurement Between £100,000 and £200,000 over the life of the contract SMT Lead and Chief Finance Officer, with advice taken from the Head of Purchasing and Procurement Between £200,000 and £1 million over the life of the contract SMT Lead and Vice Chancellor, with advice taken from the Head of Purchasing and Procurement Above £1 million over the life of the contract For the formation and operation of subsidiary companies, associates, joint ventures, spin-outs and any other strategic partnership To execute a contract Vice Chancellor N/A To enter in to any form of financial instrument including borrowings and interest rate agreements. To execute a contract Vice Chancellor and Chief Financial Officer (unless Governor signature specifically requested by other party) N/A Purchasing and Procurement To request the purchase of goods/services To authorise a purchase requisition Staff with formal delegated authority within the College/Professional Service* Up to £50,000 Director of Service or SMT Lead Between £50,000 and £200,000 SMT Lead and Chief Finance Officer Between £200,000 and £1 million SMT Lead and Vice Chancellor Above £1 million To approve purchase requisitions To approve purchase requisitions Staff with formal delegated authority within the College/Professional Service* Up to £50,000 Staff with formal delegated authority within the College/Professional Service and a member of the Procurement Team** Above £50,000 To approve a ‘one-off’ payment not related to the purchase of goods/services (e.g. payment to a partner on a research project, employee season ticket loan payment). To approve a ‘one-off’ payment request Staff with formal delegated authority within the College/Professional Service* Up to £50,000 Director of Service or SMT Lead Between £50,000 and £200,000 SMT Lead and Chief Finance Officer Between £200,000 and £1 million SMT Lead and Vice Chancellor Above £1 million
Assists low-income persons with purchasing hearing aids 1912 East Meyer Boulevard Kansas City, MO 64132-9990 816-333-8300 MIRACLE EAR CHILDREN’S FOUNDATION To provide hearing aids to children whose families do not qualify for public assistance. 1-800-234-5422 on website could not find any assistance but may have to call for it. Dental Dentistry for the heart is a program that dentists will give one day of their time to do one of the following services for free. Cleaning, extraction, or a filling. Here are the dentists in Utah that participate. All is first come first serve. Stonehaven dental 801-766-3600 181 North 1200 East Lehi, UT 84043 Rosewood Dental Associates - Tooele, Utah 181 west vine tooele 435-882-0099 4 Dental Health - Layton, UT 700 N Fairfield road Park City Dentistry - Park City, UT Snow Creek Drive Suite A Park City, UT 84060 Dentists that work with Medicaid or sliding scale fee Caring Foundation for Children The Caring Foundation Inc. operates exclusively for the benefit of children in need of appropriate dental care. 1-888-589-5437 PO Box 25185 SLC, UT Financial AMERICAN CANCER SOCIETY operates offices throughout the nation. The ACS can help patients locate various types of assistance. 866-228-4327 ASSOCIATION OF COMMUNITY CANCER CENTERS maintains a detailed list to reimbursement assistance programs for oncology-related services. The companies listed have programs for physicians and in some cases patients. CANCER CARE provides limited grants for certain expenses related to cancer treatment. THE ORIGINAL CHARITY CARS, INC. This program provides a vehicle that has been refurbished to insure safety and reliability, a license plate, the down-payment for insurance, an emergency roadside assistance membership, a service warranty, and case management services to families willing to work. 1-800-442-4451
INDEPENDENT PRESS STANDARDS ORGANISATION C.I.C. Introduction FINANCIAL SANCTIONS GUIDANCE Where the Regulator's Board has the power to impose a sanction on a Regulated Entity, the Regulator's Board has discretion on whether to impose a fine and its amount. The Regulator's Board will only impose fines where the Regulated Entity's conduct is sufficiently serious. The following guidance is designed to assist the Regulator's Board in acting effectively and proportionately when exercising its discretion to impose financial sanctions. Guidance Subject to paragraph 2.2 below, the Regulator's Board shall have the power to fine a Regulated Entity up to 1% of its UK annual turnover relating to the Publication(s) (both print and electronic) which is/are, following a Standards Investigation, found to have committed a Systemic Failure (as defined in the Regulations). The maximum fine which the Regulator's Board may impose on any one Regulated Entity shall be £1,000,000 in respect of each Standards Investigation. In determining the level of the fine or costs to be imposed on a Regulated Entity, the Regulator's Board shall take into account the following factors: the nature of the Regulated Entity including its size, the number of staff employed, number of Publications, circulation figures of the Publication(s) and annual turnover; the nature of the Regulated Entity's conduct and its impact; whether the Regulated Entity's conduct was inadvertent or repeated or deliberate or reckless; any aggravating or mitigating factors relating to the Regulated Entity's conduct (see paragraph 2.4 below); any adjustments for deterrence, if appropriate; any discounts for early settlement, if appropriate; and any other financial penalties or other sanction imposed on the Regulated Entity by any other body. The following non-exhaustive list of factors may have the effect of aggravating or mitigating a Regulated Entity's conduct: the conduct of the Regulated Entity in bringing (or failing to bring) quickly, effectively and completely the matter concerned to the Regulator's attention;
where a relevant institution has already reported details of accounts, other funds or economic resources held frozen for designated persons, they are not required to report these details again. 5. Failure to comply with financial sanctions legislation or to seek to circumvent its provisions is a criminal offence. Legislative details 6. On 27 September 2014 Council Implementing Regulation (EU) No 1013/2014 (“the Amending Regulation”) was published in the Official Journal of the European Union (O.J. L 283, 27.9.2014, p.9) by the Council of the European Union. 7. The Amending Regulation amended Annex II to the Regulation, with effect from 27 September 2014. Further Information 8. A copy of the Amending Regulation can be obtained from the Official Journal of the European Union website: 9. Copies of relevant Releases, certain EU Regulations, UNSC Resolutions and UK legislation can be obtained from the Syria Financial Sanctions page accessible via the Gov.uk website: 10. Please note there are also import and export restrictions on Syria that involve restrictions on insurance, reinsurance, etc. Further guidance on export and trade sanctions is available from the Gov.uk website: 11. Please see the FAQs for more information around financial sanctions: Enquiries 12. Enquiries, reports and licence applications should be addressed to: The Commissioner Financial Services Commission Brades Montserrat 30/09/2014
Our Lady of the Rosary, Staines Parish Financial Summary 2015 Offertory (Collection) and other assessable income An assessment of 29% is levied on all income in this table to support diocesan running costs. 2015 2014 2013 2012 2011 Offertory Envelopes 25,453.75 Offertory SOs 9,930.47 Offertory Loose Plate 19,952.79 Total Offertory 55,337.01 55,627.55 54,564.65 54,692.47 58,488.82 Gift Aid 8819.67*** 8765.78 5,566.14 14,060.39 7,929.59 General donations 1,446 Total Assessable Income before assessment 64,156.68 65,653.33 64,945.79 70,482.86 67,864.41 Assessment amount -18,843 - - - - Total Offertory after Assessment 45,313.68# 45,213.49 45,228.19 52,332.02 51,647.61 Non-Assessable Income 2015 2014 2013 2012 2011 Catechetics (FRHC, Confo etc.) 2084.40 Candles/Repository 2825.75 Christmas/Easter Offerings, Stipends 8688.20 Parish Activities 9368.58 Specific Donations 544.06 1969.21 Growing in Faith* 6,485 Sundry Income 53.56 Bank Interest 242.38 Total 23,806.93 28,142.43 16,783.99 16,594.64 9,822.17 Total Income 69,120.91# 73,355.92 62,012.18 68,926.66 61,469.78 Expenditure 2015 2014 2013 2012 2011 Clergy Salaries 9000 Non-Clergy Salaries^ 3,898.66 Travel Expenses 138 Supply Priests 2,450 Housekeeping 3168.54 Catechetics 1,034.35 Liturgical Expenses 4,489.54 Candles/Repository 1,196.03 Repairs & Renewals 16,007.79 Heat, Light & Water 4,473.93 Council Tax and Insurance 5,362.53
SECTION 5: FINANCIAL SUMMARY Please copy the totals from the previous sections* SECTION 1 – TOTAL FORTNIGHTLY INCOME (see total on page 4)* LESS - SECTION 2- TOTAL FORTNIGHTLY EXPENSES (see total on page 6)* = IS THE REPRESENTED PERSON’S FORTNIGHTLY INCOME MORE THAN THEIR FORTNIGHTLY EXPENSES?  YES  NO IF NO - please explain how you will ensure that the represented person’s fortnightly expenses can be paid in full eg sell an asset, family to subsidise income, reduce the represented person’s spending. SECTION 3 – TOTAL ASSETS (see total on page 7)* LESS - SECTION 4 – TOTAL DEBTS (see total on page 8)* = ARE THE REPRESENTED PERSON’S ASSETS MORE THAN THEIR DEBTS?  YES  NO IF NO - how will you pay the represented person’s debts e.g. negotiate a payment plan or debt write off/reduction, apply for bankruptcy?
13.3 If no, who do you intend to sell the property to and how will it be valued? 13.4 Do you intend to use the services of a real estate agent?  YES  NO How do you intend to deal with any net proceeds of sale? Note: If the property is jointly owned, the net proceeds of sale should be divided equally between the represented person and the other owner/s or the description of the owners of any new property bought with the net proceeds of sale must be identical to the description of the owners of property that has been sold, including whether the ownership is joint or as tenants in common. 13.5 What do you intend to do with the represented person’s household contents (if any)? 14. Do you intend to: (a) rent out the represented person’s property?  YES  NO (b) allow any person/s (including the administrator/s and or any family members) to live in the represented person’s former residential property for a reduced rent or no rent?  YES  NO If yes: Name(s) of person to live in the property Relationship to represented person Amount of rent or other payment (per fortnight) If below market rental or no rent, state reason why Who will be responsible for rates/utilities/insurance
SECTION 5: FINANCIAL SUMMARY Please copy the totals from the previous sections* SECTION 1 – TOTAL FORTNIGHTLY INCOME (see total on page 4)* LESS - SECTION 2- TOTAL FORTNIGHTLY EXPENSES (see total on page 6)* = IS THE REPRESENTED PERSON’S FORTNIGHTLY INCOME MORE THAN THEIR FORTNIGHTLY EXPENSES?  YES  NO IF NO - please explain how you will ensure that the represented person’s fortnightly expenses can be paid in full eg sell an asset, family to subsidise income, reduce the represented person’s spending. SECTION 3 – TOTAL ASSETS (see total on page 7)* LESS - SECTION 4 – TOTAL DEBTS (see total on page 8)* = ARE THE REPRESENTED PERSON’S ASSETS MORE THAN THEIR DEBTS?  YES  NO IF NO - how will you pay the represented person’s debts e.g. negotiate a payment plan or debt write off/reduction, apply for bankruptcy?
19.1 Gifts/donations of property, including money Name(s) of person/organisation Relationship to represented person Reason for gift Amount ($) 19.2 Loans Name(s) of borrower Relationship to represented person Amount ($) Reason for loan Repayment terms (eg $ per month Interest payable How will the loan be secured? Will there be a written loan agreement?
Understanding the impact of the consumer changes in the financial services industry in recent years. 4 Sustainability of the Financial Services System: Understanding how financial services providers work and the environment in which they operate. Importance of sustainability for financial services providers and systems. Influences of external factors upon financial services providers The effectiveness of marketing materials produced by financial services providers Approaches used by financial services providers to attract, retain and satisfy consumers. How market segmentation and product development are used to meet the needs, wants and aspirations of financial consumers. UNIT 2 PART A 35 multiple choice questions, each worth 1 mark • Tests each of the 9 learning outcomes • 45 minute exam PART B Pre-release case-study • Essay style responses to 5 questions • 65 marks • 1 hour 45 mins
its operational shortfall increased from R1,4 billion in 2014 to R1,6 billion in 2015 confirming that its operating expenses are far too high for its revenue base. Furthermore, the pre-paid electricity meter project seems to be ineffective and more detrimental than beneficial as their revenue collection rate has declined from 95,5% in 2014 to 94,4% in 2015. It is likely that the implementation cost thereof exceeded the benefits. 4 Conclusion Given that the financial stability of the key local municipalities in South Africa is weak, our expectation is that the quality of service delivery is likely to deteriorate over the short to medium term. Weak service delivery impacts quality of living as well as the economic growth and development that are desperately needed to reduce unemployment in the country. In many cases the differentiating factors between financially stable municipalities compared with weak ones are the skill levels, experience, financial discipline and quality of management under sound governance guidance of the political leadership at municipal level. The weak financial stability of the municipal sector is detrimental to the South African economy and might place additional financial pressure on the central government for financial support to keep unstable operations going. The South African municipal sector is currently in a bad financial state as reflected by the weak financial stability. Correction will require decisive political leadership that looks after the interests of the residents including that of the business community rather than its own, roots out corruption, appoints managers with the right skills and experience to implement sound budgetary practices, and exercises strict financial discipline. The current political leadership in control of the majority of municipalities has demonstrated over the last five years and more to not being capable of sound governance. This is the main cause of their low financial sustainability.
Measures that should be prioritised to help consumers become a competitive force in the longer term include: consumer rights to have their financial data transferred directly from one service provider to another, either facilitated through Open Banking arrangements or as part of a more broadly-based consumer data right automatic reimbursement of the ‘unused’ portion of lenders mortgage insurance when a consumer terminates the loan payment system reforms that help detach consumers from their financial providers provision of information on median home loan interest rates provided in the market over the previous month inclusion on insurance premium notices, of the previous year’s premium and percentage change. In contrast to many banking products, consumers are reminded annually of their option to renew general insurance policies. Despite this, renewal of existing insurance policies is the default taken by many consumers. Yet there is a wide disparity between insurers in quotes for essentially the same risks and customer passivity is exploited by providers. The scope is considerable for improvement in consumer outcomes from more information on insurance renewal, such as by inclusion of the previous year’s premium and percentage change on renewal notices. Reforms to address the ongoing issue of provision of credit to SMEs on terms that are commercially viable have the potential to significantly improve the market for SME lending. Improved access of banks to information about businesses seeking credit, particularly new businesses — for example, through Comprehensive Credit Reporting, Open Banking and business accounting software) — should better inform lenders of the risk represented by SMEs seeking access to finance. Reforms that give individuals a greater role in competitive outcomes Consumers are in a weak position in financial services. Reforms aimed at improving the opportunity for individuals to defend their own interests can largely be achieved within the existing regulatory oversight framework. Usable information, without the overload Ensuring a critical mass of consumers have sufficient information to make informed decisions is necessary for a competitive outcome. Financial service providers in the product markets we examined have largely shifted liability to individuals via terms and conditions that are too dense, multi-layered, and poorly designed to understand. An exception is wealth management, under the Future of Financial Advice (FOFA) reforms.
4.2 Foreign banks have shown that they are willing to enter Australia’s banking system — between 2007 and 2018, the vast majority of new entrants to the banking system were foreign bank branches. The regulatory framework incentivises foreign banks to enter and compete in the wholesale banking sector, rather than compete for household deposits. While they are important to innovation and to price competition in certain market segments, foreign banks remain focused on specific market segments and are not likely to prove a competitive threat in the broader retail banking sector. 4.3 Australia’s fintech sector has grown substantially in recent years and offers a range of financial services. However, few fintechs consider themselves to be challenger banks. The vast majority are focused on providing services in areas of the financial system with less onerous prudential regulation, such as smallscale funds management and lending, and payments systems. Global technology companies, said to be the potential disruptors, are yet to make a mark in banking and the broader financial system in Australia. 4.4 Fintechs are not, on present indications, likely to have the kind of competitive disruptive effect that would alter the market power of major banks in the foreseeable future. In the long term, lowering barriers to entry and growth, including greater access to consumer data, may lead fintechs to favour competition against incumbents over collaboration. We must look further afield for substantial offsets to current market power.
Assessment of Funding and Capital The assessor is to form an overall opinion on the adequacy of the applicant’s proposed means of funding and its overall assessed level of risk. The Risk Effect, Risk Likelihood and Overall Risk Magnitude should be assigned in accordance with the classification matrices outlined within the Risk Allocation Guidelines (refer V. Risk Allocation Guidelines). Sample: Assessment of Funding and Capital Risk Effect Description High Very limited capability, capacity or experience and/or lack of understanding – substantial impact on the arrangement’s ability to meet the outcomes and requirements in the Act, the Regulation and the Instrument. Risk Likelihood Description High Is expected to occur in the first 12 months of the arrangement Risk Category Risk Effect Risk Likelihood Overall Risk Magnitude Funding and Capital High High Very High The assessor is also required to separately state their professional opinion from their overall assessment of funding and capital. The following paragraph should be used as a guide in stating the assessor’s opinion which should be consistent as well as reflective of the assessor’s assessed Overall Risk Magnitude. For the assessor’s ease of reference, the paragraph below has been colour coded to correspond with the traffic light reporting system defined in section ‘V. Risk Allocation Guidelines’. The applicant’s funding and capital was reviewed and in our opinion [the applicant has demonstrated adequate funding and capital to achieve the outcomes and requirements of the Act, the Regulations and the Instrument / the applicant does not appear to have demonstrated adequate funding given that total funding facilities amount to [x] which are inadequate in meeting total projected costs (less projected revenues) / although the applicant appears to have demonstrated an appropriate level of funding, the ability to secure adequate funds is contingent upon the following factors: ….. ]
Program Name/Code CIP Code No. of Weeks Total Clock Hours Total Credit Hours Request to Activate (Enter Yes Below) Request to Deactivate (Enter Yes Below) Example Only: Welding Technology Certificate (C50420C1) 48.0508 48 1200 17 Yes Program Name/Code CIP Code No. of Weeks Total Clock Hours Total Credit Hours Request to Activate (Enter Yes Below) Request to Deactivate (Enter Yes Below) Example Only: Business Administration/ Public Adm. Certificate (C2512HC3) Yes Program Name/Code CIP Code No. of Weeks Total Clock Hours Total Credit Hours Request to Activate (Enter Yes Below) Request to Deactivate (Enter Yes Below) Program Name/Code CIP Code No. of Weeks Total Clock Hours Total Credit Hours Request to Activate (Enter Yes Below) Request to Deactivate (Enter Yes Below) Program Name/Code CIP Code No. of Weeks Total Clock Hours Total Credit Hours Request to Activate (Enter Yes Below) Request to Deactivate (Enter Yes Below) Program Name/Code CIP Code No. of Weeks Total Clock Hours Total Credit Hours Request to Activate (Enter Yes Below) Request to Deactivate (Enter Yes Below) Program Name/Code CIP Code No. of Weeks Total Clock Hours Total Credit Hours Request to Activate (Enter Yes Below) Request to Deactivate (Enter Yes Below)
Replaced Certificate Serial No. Participant Companies New Replace Existing Certificate Alarm Monitoring Company* File Number* Service Center No. or City/Province* Monitoring Email Address Protected Property Name* Protected Property Address* City* Province* Postal Code* Period of Insurance (1 to 5 years) From* Until* File Number Service Center No. Service/Installer Company Service Type: Service/Installer Location Details Company Name* Address* City* Province* Postal Code* Installer Email Address*
Definition of Financial Literacy in WIOA and the NPRM As shown in the table below, the WIOA legislation defines financial literacy with a list of five services. The NPRM adds three additional components, including education about identity theft, opportunities to put lessons into practice, and “other approaches to help participants gain the knowledge skills and confidence to make informed financial decisions.” By adding these additional components, the Department of Labor moved the definition of financial literacy to a “financial capability” approach where the workforce system is directed to actively engage the consumer in addition to providing information and support. Definitions of Financial Literacy in WIOA and in the WIOA NPRM WIOA-- §129(b)(2)(D)-Use of funds for youth workforce investment activities. NPRM-- §681.500-Youth Activities Under Title I, What is financial literacy education? (i) supporting the ability of participants to create household budgets, initiate savings plans, and make informed financial decisions about education, retirement, home ownership, wealth building, or other savings goals; (a) Support the ability of participants to create budgets, initiate checking and savings accounts at banks, and make informed financial decisions; (ii) supporting the ability to manage spending, credit, and debt, including credit card debt, effectively; (b) Support participants in learning how to effectively manage spending, credit, and debt, including student loans, consumer credit, and credit cards; (iii) increasing awareness of the availability and significance of credit reports and credit scores in obtaining credit, including determining their accuracy (and how to correct inaccuracies in the reports and scores), and their effect on credit terms; (c) Teach participants about the significance of credit reports and credit scores; what their rights are regarding their credit and financial information; how to determine the accuracy of a credit report and how to correct inaccuracies; and how to improve or maintain good credit; (iv) supporting the ability to understand, evaluate, and compare financial products, services, and opportunities; and (d)Support a participant’s ability to understand, evaluate, and compare financial products, services, and
Has your organization been audited by a certified public accounting firm for the most recently completed fiscal year? If yes, please attach a copy of the most recent audited financial statements and/or A-133 audit. If yes, what type of audit (check all that apply)? Financial Statement A-133 If no, is one underway or scheduled? YES NO What is the scheduled date of completion? YES NO Did your organization take corrective actions indicated in the auditor’s report and any letters to management? If no corrective actions were indicated by auditors, mark here. YES NO Does your organization keep on hand or know how to access a current version of requirements applicable to all funding sources (e.g. OMB Circulars, grant terms and conditions, notice of grant awards, etc.)? YES NO Does your organization have written fiscal management policies and procedures for the following that have been in use for at least one year? Accounting Practices Management Controls Personnel Policies Salary Scales Employee Benefits Travel and Expense Reimbursement Procurement Documentation of Employee Time and Effort YES NO YES NO YES NO YES NO YES NO YES NO YES NO YES NO Do any of the above policies and procedures conflict with AmeriCorps grant terms and conditions? YES NO Please explain any “no” answers for Section B: GENERAL ACCOUNTING & FUNDS MANAGEMENT Are your organization’s accounting practices in agreement with those stipulated by its accounting and finance manuals? YES NO Are your organization’s accounting practices in agreement with those stipulated by requirements of its funding sources? YES NO Does your organization use an automated accounting system? If yes, what is the name of the system? YES NO Does your accounting system track the receipt and disbursement of funds by each grant and grant year? YES NO Does your organization have a written cost allocation plan (plan to distribute costs shared by one or more direct grants or projects)? YES NO Are all common or shared costs that are readily attributable to direct cost activities accumulated into cost pools for allocation to projects, contracts, and grants? YES NO Are indirect costs distinguished from direct costs in your accounting system? YES NO Does your accounting system provide for the recording of grant costs according to categories listed in your approved budget(s)? YES NO Does your accounting system allow for the comparison of budget versus actual costs by budget category? YES NO Does your accounting system allow for cash-basis financial reporting? YES NO Does your organization have a federally approved indirect cost rate? If yes, attach a copy of the
Focus Area: Costs Performance Measure Medical cost per medical visit Is this Performance Measure Applicable to your Organization? Yes Target Goal Description Numerator Description Total accrued medical staff and medical other cost after allocation of overhead (excludes lab and x-ray cost). Denominator Description Non-nursing medical visits (excludes nursing (RN) and psychiatrist visits). Baseline Data Baseline Year: Measure Type: Numerator: Denominator: Calculated Baseline: Projected Data (by End of Project Period) Data Source & Methodology Key Factor and Major Planned Action #1 Key Factor Type: [_] Contributing [_] Restricting Key Factor Description: Major Planned Action Description: Key Factor and Major Planned Action #2 Key Factor Type: [_] Contributing [_] Restricting Key Factor Description: Major Planned Action Description: Key Factor and Major Planned Action #3 Key Factor Type: [_] Contributing [_] Restricting Key Factor Description: Major Planned Action Description: Comments
Task 2 (thematic Team Lead) Deliverables Percentage of Total Price ( Weight for payment) Amount annotated Chapter outline; 15% First Draft of Chapter and Facilitation of relevant consultations 25% Second Draft of Chapter 25% final Chapter 35% Total 100% USD
investment service company A company whose main business is holding securities of other companies purely for investment purposes. The investment company invests money on behalf of its shareholders, who in turn share in the profits and losses. mortgage lender The lender that provides funds for a mortgage. Lenders also manage and review the credit and financial information and the property and the loan application process. securities A negotiable instrument representing financial value. Securities are generally categorized as debt securities such as bank notes and bonds, and equities such as common and preferred stock. Securities may be represented by a certificate or by an electronic book entry.
GRANT AGREEMENT FOR ERASMUS+ TRAINEESHIP /…/2019 No 2018/2019 – LT KAUNAS02- Kaunas Kaunas University of Technology (called hereafter the Sending institution), address K. Donelaičio g. 73, LT-44029, Kaunas, institution code 111950581, represented for the purposes of signature of this agreement by Head of Department for Internationalisation, acting in accordance with the Rector’s authorization (No. A-3, 08 of January, 2018), of the one behalf and Mr/Mrs/Ms Student’s name and forename: Date of birth: Nationality: Address: Phone: E-mail: Sex: Academic year: 2018/2019 Study cycle: Subject area: Code: Number of completed higher education study years: Student with: a financial support from Erasmus+ EU funds other, non-EU, financial support (National / ESF funds), a zero-grant a financial support from Erasmus+ EU funds combined with zero-grant The financial support includes: special needs support financial support to student with disadvantaged background Bank account where the financial support should be paid: Bank account holder (if different than student): Bank name: Clearing/BIC/SWIFT number: Account/IBAN number: I hereby confirm that the account number and bank name are provided in the University‘s Academic Information System (AIS). I am taking responsibility for any changes, corrections and/or failure to provide information. I will not have claims against Kaunas University of Technology if the account information in the AIS is incorrect. ______________________ (signature) Called hereafter the Participant of the other behalf, have agreed upon the Special as well as General Conditions and Annexes below which form an integral part of this agreement (the Agreement): Annex I Learning Agreement for Erasmus+ Mobility for Traineeships
good standing. Income-based repayment options are now available to help you set up a payment schedule you can afford. It can take six to nine months for your loans to be returned to good standing. If you want to attend college while restoring your good-standing status, contact the college you plan to attend to see if they have any options for you while you resolve this issue. However, it is possible that you will have to wait until your eligibility is fully restored. Credit history In general, your credit history does NOT affect your ability to receive federal and state financial aid or to take out federal student loans. However, as noted above, defaulting on previous student loans can affect your eligibility. In addition, if you are returning to a college you previously attended, the college may require you to pay any outstanding fees, such as library fines or parking tickets, before processing your enrollment or your financial aid. Finding scholarships for adult students Many private and community scholarship programs are open to adults as well as traditional age students. Start your search by checking out theWashboard.org. This website is a free, web-based scholarship matching service for Washington students. It is supported by the Washington Scholarship Coalition, a public/private partnership of foundations, non-profit organizations, and state agencies. This website makes it easy to find and apply for scholarships. Plus, it is spam free. Remember: You should NEVER pay to search for scholarship opportunities online. Appendix Financial Aid Options, Financial Terms Glossary, & Additional Resources
‣ Financial Aid is granted for one year at a time. Players with continued need must re-apply each year. ‣ No one will be disqualified from consideration because of sex, race, color, creed or religious beliefs. ‣ Soccer skill and aptitude are not factors in awarding financial aid. ‣ Financial Aid awards does not cover a player’s entire playing fee. You are asked to pay $100 towards your player’s registration fee at the time of registration. Player Name: ______________________________________________________ Player’s Team: _____________________________________________________ Registration Fee: ___________________________________________________ Seasonal Year: _____________________________________________________ 1. How long has your child been playing for SYSA? 2. What teams and for which coaches has your child played? 3. Do you or your child participate in any of the following programs; National School Lunch Program (NSLP), youths of families who qualify for the Housing Choice Voucher Program sponsored by the US Department of HUD (Section 8) and/or Supplemental Nutrition Assistance Program (SNAP)? If yes, please attach appropriate documentation. Scan and email or mail to: Administrator2@shakeryouthsoccer.org Aaron Steinmetz, 2943 Sedgewick Rd, Shaker Heights, OH 44120
Financial Declaration This form may be lodged by email or mailed to your Grant Agreement Manager listed as DSS's contact officer for notices in your Grant Agreement. If lodging by email please send a scanned copy of the signed form. Please complete the following form with details of the schedule ID, name of the activity, financial year funding amount (GST Exclusive) and indicate any amount which has not been spent on the activity in accordance with the grant agreement. Social and Community Services (SACS funding) Additionally please indicate if your organisation receives SACS funding. Please also indicate if your organisation has not spent the full amount of the SACS funding below. Please note a separate SACS declaration is not required if this form is completed. Organisation Name Financial Year Schedule ID (as noted on Grant Agreement) Activity ID (if known) Activity Name Funds carried over from previous financial year (Please enter GST Exclusive $ amount or nil) Funding Amount Please enter the amount of funding (excluding GST and SACS) received in this financial year Amount of Unspent and Uncommitted Funding from this financial year (Please enter GST Exclusive $ amount or nil) SACS funding received (Please enter GST Exclusive $ amount or nil) Unspent SACS funding (Please enter GST Exclusive $ amount or nil) If more rows are required for this declaration, please add additional rows.
IMPORTANT INFORMATION For: Your SS#: - - Spouse SS#: - - Wife: Date of Birth: Child: Date of Birth: Child: Date of Birth: Accountant: Address: Phone: Attorney: Address: Phone: Banker: Address: Phone: Guardian: Address: Phone: Executor: Address: Phone: Insurance Agent: Address: Phone: Stock Broker: Address: Phone: Other Advisors: _______________ ____________
Supplemental Information: Note, if applying for the combined session, the applicant should provide information for the examiner that will also be attending or should consider submission of a second application form: Name: Job title: Business address: City: State: Zip: Business phone: Email address: Division/Department: Length of service in years: In the space below, briefly describe your responsibilities in your present position: Please list previous positions held within the Insurance Department, or other relevant work experience and approximate number of years in each position: Submit completed application for requested session to: Bree Wilson NAIC Financial Regulatory Services 1100 Walnut Street, Suite 1500 Kansas City, MO 64106-2197 Phone: 816-783-8412 E-mail:
Issue High worry Medium worry Low worry Working Well Do your money worries impact on your day to day health and well-being? Yes, these worries disrupt my sleep and impact everyday Yes, I often have sleepless nights occasional never Are you able to meet your household bills and essential outgoings fully and on time? No, never No, I often fall behind or have to turn to payday lenders Mostly, but sometimes I pay the odd bill late Yes, I am consistently able to meet these costs and can plan ahead. Are you worried about your rent? Significant rent arrears that I don’t know how to address I’m worried about eviction I have some arrears but I am seeking to address this Had some trouble in the past but things are mostly under control, I have a repayment plan Rent is up to date Is debt stopping you from moving on? Yes, I don’t see a way out of my debts Yes, I am worried what impact a change in my circumstances might have on these debts Yes, but I have help to understand how I can manage better No, I am confident that I can move on regardless of my debts How do you feel about money?
Do your money worries impact your health? Yes, Yes, I am always thinking… Yes, but I am starting to see a way out No, I am now confident and feel budget plan working for now Do you have arrears for any of the following? Rent Court Fines Electricity Council Tax Child Maintenance Mortgage Gas Water TV Licence Do you have arrears with any of the following? Credit Cards or Overdrafts Loans or doorstep lender Catalogues or store cards Mobile phone or TV company Higher Purchase or furniture rentals What best describes your current housing? Private tenant Housing Association or Council tenant Own property Living with family No fixed Abode How much is your rent or mortgage? £ ……………………………………………………………………… per week/per month Do you currently have rent or mortgage arrears? If so, how much? £ ………………
Do you have appropriate household or contents insurance? YES NO Are you currently in work? YES NO What benefits and tax credits do you currently receive? Employment and Support Allowance Disability Living Allowance Maternity Allowance Housing Benefit Jobseekers Allowance Personal Independence Allowance Child Benefit Council Tax Reduction Income Support Attendance Allowance Child Tax Credit Working Tax Credit Universal Credit Carers Allowance Wages/Earnings Other ……………………… Do you have a bank account? YES NO If so, are you able to access Internet or Telephone banking? YES NO
If yes, are you confident using these banking channels? YES NO Do you know of organisations that can offer advice about money and debts? YES NO Have you sought professional advice about debts in the past? YES NO Have you been Insolvent or taken out Debt Relief Order in the last 6 years? YES NO
Dave Lofthouse, Senior Finance Officer Payroll/Pensions controls, APTOS development, procurement advice, procurement cards 7177 Shaun Dyke Senior Finance Officer Budget monitoring, coding, budgets, year-end accounts, budgets 7476 Roger Burnham, Procurement Officer Procurement advice, Tenders, Procurement cards, contract register 1948 Amie Brown, Finance Officer Debtors accounts, petty cash, invoice payments 7422 Nikki Turner, Finance Officer APTOS set up, workflow, access, training 7457 Julie Rock, Finance Officer Payroll queries, deductions 7180 Sarah Keyes, Finance Officer Pensions queries, Pension Board reports 7410 Vacant Procurement Advisor Requisition and delivery queries 7457 WYPA Pensions Administration 01274 431223 Service Support Centre/Service Support admin Invoices, overtime, mileage, subsistence, pay queries 7111 7444 Appendix 1 Requisition Process – Simple Flowchart This process should be followed with reference to the purchasing and procurement guidelines as laid down in the Constitution of Humberside Fire & Rescue Service.