zilongwang/ReadingBank huggingface dataset:
HOUSING – Short Term Support tenants to downsize where Welfare Reforms mean their rent is unaffordable Apr 15 to Oct 15 Host further Mutual Exchange Speed Dating events Landlord Services Welfare Reform Team Monitor & Review Discretionary Housing Payment policy Mar 14 Ensure DHP budget will cover expected demand in 14/15, and conditionality effectively supports tenants. R&B Programme Manager N/A Programme of council housing energy efficiency and renewable energy works to be incorporated into Asset Management Strategy based on stock condition data Sept 14 (AMS timeframe) Target and prioritisation of stock according to energy efficiency and vulnerable residents. Rolling programme set, adapted according to available funding Head of Housing & Property Direct Services Introduce a Tenant Ready Scheme Apr 14 Ensure tenants are equipped with the skills to manage their tenancy, especially payment of rent. Housing Strategy & Needs Manager External partners to be agreed Pilot project utilising thermal imaging to inform Housing Health & Safety Rating System enforcement action against poorly performing single occupancy properties May 14 Poorly performing properties enforced against as a result of the additional work Head of Environmental Development N/A Roll out of Winter Warmth outreach project to help vulnerable old people access guidance and funding for affordable warmth May 14 Future years dependent on resources available Stronger Communities Organisations in receipt of grants supporting this work Affordable Warmth grants - currently £25k/y to lever in additional funding. Mar 14 Continue to use to lever in external funding to alleviate fuel poverty for Oxford households where possible. Head of Environmental Development None HOUSING – Long Term Programme of insulation, heating and ventilation improvements carried out within the Tower Blocks refurbishment programme Mar 15 – end date Better insulated, ventilated properties that result in lower energy bills for residents Head of Housing & Property Direct Services Pilot to change HMO licensing conditions to necessitate carrying out of recommended measures in EPCs rated F and G Sep 14 Changes to HMO licensing researched, consulted on as necessary and implemented Head of Environmental Development N/A
Q3. State at dates indicated: Currently or at date of last interim report At last year end At previous year end Authorised capital Paid up capital Total Assets Total deposits Total loans and discounts Total funds under discretionary management Total profit before tax Q4. State the names of executive and non-executive directors, their length of service, specific responsibilities and professional qualifications. Name Length of service Specific responsibilities Professional qualifications
If you own your own business, please set out the name of your business, your business structure, (incorporated, partnership, sole proprietor, etc.) and explain how you are remunerated, value of company (is a business valuation required?), are there retained earnings and what are they used for, etc.
Avery has a checking and savings account. The table below shows his transactions for the month of August. Check Register Check # Date Type of Transaction Amount of Withdrawal Amount of Deposit Checking Balance Aug. 1st Paycheck $1,389.00 $3,055.43 3035 Aug. 4th Rent Payment $855.00 3036 Aug. 10th Utilities $65.62 3037 Aug. 12th Car Payment $225.80 Aug. 14th Groceries $131.84 Aug. 15th Paycheck $1,389.00 Aug. 21st Transfer to Savings $300.00 Aug. 31st Dinner Out $44.45 How much money does Avery have in his account at the end of the month? Record your answer and fill in the bubbles on your student answer document. Be sure to use the correct place value.
Ruppel, chapter 7 Hallam, chapters 5, 6, and 7 Hidden Costs of IT Systems After Costs of Library Construction Measure by Measure: Assessing Viability of the Physical Library Understanding Project Costs and Building Costs Assignment Due TBA Session 10 Topics Managerial accounting Responsibility Centered Management Activity Based Costing Cost centers and managerial cost control Life Cycle Costing Risk Management Readings for Session 10 Smith, G. Stevenson, Cost and Cost Concepts Ellis-Newman. Activity Based Costing in Library Trends, Winter 2003 Assignment Due Major assignment no. 2 due by 8:00 a.m. of the morning of Session 10 Final Project Section I draft due by the end of the week after Session 11 (i.e. Friday after Session 11 concludes) Session 11 Topics Managerial accounting Cost Benefit Analysis Return on Investment Break Even Analysis Differential Cost Analysis Cost estimation with probabilities and sensitivity analysis Cost estimation with learning curve Readings for Session 11
Money market - Financial claims and obligations traded in these markets have maturities of less than one year. Capital Markets - Financial claims and obligations traded in these markets have maturities of more than one year. Financial Intermediaries - Are specialized business firms whose activities include the creation of financial assets and financial liabilities. With financial intermediation, savings are transferred to economic units that have opportunity for profile investment. Real resources are therefore allocated more effectively and real output for the economy as a whole is increased. Among the main financial intermediaries include; Commercial Banks Insurance companies Pension funds Savings and loans Mutual funds Investment funds Finance companies Money market funds Credit unions. Types of Financial Instruments Currency – coins and paper
- Under and over pricing of securities - Few securities traded – lacks options, swaps e.t.c - High Market concentration - Few Intermediaries: Presence of rules and regulations that do not favor the development of the market 2.02 Indicators of Capital Market Development High liquidity Low market concentration Presence of international integration Many securities traded: shares, bonds and derivatives Low volatility of market returns Size – reasonable big High activity Advanced technology: CDs, Foreign investor participation Presence of international integration Qualified personnel Fair pricing of securities Market friendly Regulations: Supervised closely Clear regulations which do not conflict
Administrative Annex Annex 2 – FINANCIAL OFFER FORM Non-exclusive right to handle the marketing and distribution for sale of reference materials from the JRC world-wide Fixed discount required for sales from consignment stock: % For Full Name: Function: Date: Signature:
Financial Planning Firm Bio Real World Personal Finance Software Your Address Goes Here (503) 309-1369 Financial Planning Firm Bio Example Financial Management Group provides personalized and practical financial advice to businesses and individuals. Our clients benefit from the knowledge and experience of Financial Management Group associates, as well as sophisticated computer software support. As a member of a growing national network of 21 affiliated offices of First Financial Resources, we have unique access to specialized products and information. Financial Resources offices throughout North America assist in providing financial planning and investment management services to Northwest clients. Our typical business clients are closely-held and are active in wholesale, retail, banking, real estate, professional services, construction, manufacturing, health care and food service. We advise our business clients on successor (buy and sell) planning, pension, profit sharing, employee benefits and incentive plans. Our individual client services include all elements of personal financial planning from budgeting to investment advice to estate planning. We work with our clients to determine their objectives, and then devise sound strategies for achieving their objectives. We work closely with the clients' accountants, attorneys and other advisors. We do not practice law or accounting, but are conversant with the major points of law and regulations that affect a client's financial statement. Financial Management Group’s origin was the establishment of the area’s first insurance agency in 1979. We continue to serve many business and personal clients of that era, as well as their later generations and successors. Financial Management Group is committed to increasing the net worth of our clients. Our firm provides experienced, practical advice and a broad range of high quality, cost effective products and services.
(100 possible points) 10 Points 5 Points 0 Points Job/Career Paths & College Portion is completed appropriately. Questions answered & math correct. Great work. Portion is partially completed. Questions semi-answered & math mistakes. Good work. Portion is not completed. Questions are not completed & math is completely wrong. Poor work. Purchasing/Leasing a Car Portion is completed appropriately. Questions answered & math correct. Great work. Portion is partially completed. Questions semi-answered & math mistakes. Good work. Portion is not completed. Questions are not completed & math is completely wrong. Poor work. Purchasing/Renting a House Portion is completed appropriately. Questions answered & math correct. Great work. Portion is partially completed. Questions semi-answered & math mistakes. Good work. Portion is not completed. Questions are not completed & math is completely wrong. Poor work. Reflection *2 Reflection is and demonstrates thoughtfulness. Writing is grade-level appropriate and reflects clarity of thought. Reflection is adequate and demonstrates some thoughtfulness. Writing is not quite at Reflection is either not completed or very poorly done. Writing is well below grade level and demonstrates very little thoughtfulness. Mathematics *2 Math is correct & logical overall. Math is partially correct & semi-logical overall. Math is completely wrong or missing. Ability to Answer Questions Answers are thoughtful & insightful. Students incorporated their own opinions. Answers are & insightful. Students’ opinions are lacking. Answers are missing. There are no opinions. Overall Appearance of Project *2 Packet is completed fully with math work shown & questions answered in complete sentences. Packet is with minimal math work shown & a lack of complete sentences. Packet is hard to follow and unorganized. Questions are left unanswered.
Nonprofit Financial Policy Example Family Advocacy Network (FAN) Financial and Control Policies Philosophy The purpose of financial management in the operation of all FAN activities is to fulfill the organization’s mission in the most effective and efficient manner and to remain accountable to stakeholders, including clients, partners, funders, employees, and the community. In order to accomplish this, FAN commits to providing accurate and complete financial data for internal and external use by the Executive Director and the Board of Directors. Authority The Board of Directors is ultimately responsible for the financial management of all activities. The Treasurer is authorized to act on the Board’s behalf on financial matters when action is required in advance of a meeting of the Board of Directors. The Executive Director is responsible for the day-today financial management of the organization. The Board authorizes the Executive Director to hire and supervise staff and independent consultants, pay bills, receive funds, and maintain bank accounts. The Executive Director is authorized to sign checks up to $2,500. Checks for amounts greater than $2,500 shall require the signature of the Treasurer or Board Chair. The Executive Director is authorized to enter into contracts for activities that have been approved by the Board as a part of budgets or plans. The Board of Directors must authorize any contracts outside of these parameters and all contracts with a financial value greater than $15,000. The Executive Director is authorized to manage expenses within the parameters of the over- all approved budget, reporting to the Finance Committee on variances and the reason for these variances. The Board of Directors must approve any use of the board designated cash reserve fund. Responsibilities The Executive Director shall: Account for donor restricted and board designated funds separately from general operating funds, and clearly define the restrictions applicable to these funds. Report the financial results of FAN operations according to the schedule established by the Finance Committee, but at least quarterly. Pay all obligations and file required reports in a timely manner. Make no contractual commitment for bank loans, corporate credit cards, or for real estate leases or purchases without specific approval of the Board. Record fixed assets with purchase prices greater than $500 as capital assets in accounting records. Depreciation of capital assets will not exceed five years for furniture and equipment or three years for computer and other technology equipment. Limit vendor credit accounts to prudent and necessary levels. Obtain competitive bids for items or services costing in excess of $5,000 per unit. Selection will be based on cost, service, and other elements of the contract.
Community Care The Directorate is reporting a projected deficit of £2.865m. The Division projection is expected to reduce to breakeven once the balance of 2018/19 tariff uplifts, 2018/19 demography funding and revision of income in respect of clients in homes are actioned. Women & Childrens The Directorate’s deficit is £2.787m. The main areas centre around: Residential Units which have a range of non-recurrent costs in the region of £1.4m. The overspend includes £382,000 of supernumerary posts, £150,000 in relation to sickness absence cover and £386,000 for additional staffing to support complex needs. Other Leaving and Aftercare issues equate to £1.4m which includes £290,000 of supernumerary posts. Medical is reporting a project deficit of £551k which relates to Agency costs in Causeway Hospital. The division has a range of underspends in other areas which are abating the position Mental Health, LD & CWB The Directorate currently has a projected surplus of £1m. This can be directly linked to a range of a range of vacancies that the directorate has had difficulty in recruiting to. Corporate Overheads Whilst the projected variance is in the region of £200,000 the costs contributing to this are currently under review. Estimated positions in relation to electricity, gas and oil have been based on current market trends within the financial plan and the Trust has identified this cost pressure to HSCB. All other support directorates are in a projected surplus or breakeven position.
Section 4: Flexible Staff Costs as at 31st May 2018 A significant factor for the Trust in recent years has been our reliance on flexible staffing. This can be analysed into 2 categories. Agency/Locum/Enhanced Hours The total spend in these areas is summarised below: Division/Directorate Cum to May 2018 Cum to May 2017 Movement Agency (Medical) Agency (Other) Bank Overtime Addit Hours Totals £000 £000 £000 £000 £000 £000 £000 £000 % Medicine & Emergency Medicine 1,558 1,036 517 146 21 3,278 2,997 281 9 Surgical & Clinical Services 251 445 290 305 105 1,396 1,410 (14) (1) Community Care 199 755 196 86 1,236 1,051 185 18 Women & Childrens 435 344 322 73 38 1,212 943 269 12 Mental Health & Disability 155 315 656 9 27 1,162 1,092 70 64 Medical & Governance 27 2 14 7 50 55 (5) (1) Nursing & User Experience 353 116 38 159 666 695 (29) (4) Strategic Planning & Business Services 41 2 43 68 (25) (37) Estates 37 5 39 8 89 89 0 1 Finance 24 7 2 33 49 (16) (31) HR 6 14 2 4 1 27 23 4 17 Totals 2,405 2,835 2,665 833 454 9,192 8,472 720 8
.09 Perform monthly reconciliations between general ledger in the accounting system and bank accounts to ensure correct postings. .10 Investigate any noted differences on a timely basis. .11 Make regular reports to leadership and Ministry members concerning incoming funds to show fiscal integrity and build confidence in how gifts are received and receipted. .12 Require an external financial audit annually. .13 Safeguard and ensure the privacy of financial records by maintaining them in a place where they will not be destroyed or altered. 3.0 INTEGRATED AUXILIARY MINISTRIES .01 All integrated auxiliary ministries will be accounted for through the general operating bank account and their own separate bank accounts and reported in the monthly financial statements of XYZ, Inc. Integrated auxiliary ministries at Teen Challenge include each center and the Administration office, as well as related ministries at each center. .02 It is important to remember that the individual centers fall under the corporate status of XYZ, Inc. and are not separately established entities. Thus, it is important for the Executive Directors of these centers to understand that their center must follow all fiscal oversight, operational policies and procedures, and systems of internal controls of XYZ, Inc. as a whole. Section B. Date Approved/Revised: Approved By: RELEASE OF FINANCIAL INFORMATION Statement of Policy: The release of financial information must be in accordance with standards established by XYZ, Inc. and under the approval of the CFO. The Human Resources Manager will evaluate all personnel-related requests.
oversight of fixed assets and the establishment and monitoring of proper internal controls. The various center directors will be responsible for the use and control of furniture, fixtures and equipment and any other assets which are located in their respective centers. 2.0 DEPRECIATION .01 The cost (less salvage value) of all capitalizable assets will be depreciated over the estimated useful life in a generally accepted method consistent with that type of asset. .03 The CFO or Accounting Manager is responsible for compiling depreciation schedules for all fixed capital assets on an annual basis. Section H. Date Approved/Revised: Approved By: NET ASSETS Statement of Policy: The net assets financial statement line item is the difference between the XYZ, Inc.’s assets and liabilities. Net assets are increased or decreased by financial operations, other financial events, and circumstances affecting the organization. To ensure the accurate reporting of assets, liabilities and thus net assets, adequate internal controls will be established for the various financial systems of XYZ, Inc. XYZ, Inc. will not commingle restricted and unrestricted gifts. Such gifts will be accounted for in separate bank accounts. "This food shall be held in reserve for the country, to be used during the seven years of famine that will come upon Egypt, so that the country may not be ruined by the famine." Genesis 41:36 Procedures: 1.0 CLASSES OF NET ASSETS (AND REVENUES)
that may be reimbursed without deduction of tax are the lesser of those incurred on the Journey between: home and the temporary work location; or (b) the normal place of work and the temporary work location 10.1.2 Mileage expenses will only be processed if staff and tutors have submitted to the Accounts Assistant a letter from their insurance company indemnifying Athletics Ireland in the event of an accident. Checks for a valid driving license should be made on an annual basis. 10.1.3 The use of Athletics Ireland vehicles is only permitted in emergencies or for early morning meetings. These vehicles are not fitted with safety equipment for children and children should not be carried in these vehicles. 10.2 A clear policy for claiming expenses is communicated to staff 10.2.1 A clear policy for claiming travel expenses is specified in detail in the staff handbook and includes guidelines on: General Procedures Hotels and accommodation Travel Expenses (mileage rates, taxis etc.) Travelling overseas 10.2.2 The Association maintains a policy on cash advances including: Cash advances are processed on an exceptional basis e.g. imprest for foreign travel Approval requirements (signed by CEO) Disbursement and reimbursement procedures (Imprest are paid by bank transfer, petty cash or part of salaries and recouped through salaries) 10.2.3 All expense claims that are not covered by the Travel policy must be approved by their respective manager/CEO (where appropriate) and are termed miscellaneous expenses.
Summary of Athletics Ireland’s “Reports” Cycle External Environment Internal Environment Completion Date N/A Monthly Management Accounts 2nd Wednesday of the Month Finance Director Athletics Ireland N/A Review monthly actual expenditure against Master Budget and Department Budget. 2nd Wednesday of the Month Finance Director Athletics Ireland N/A Review actual expenditure against Master Budget and Department Budget and prepare An Accounts Pack for the Finance Committee A week before the Finance Committee meeting Finance Director Athletics Ireland N/A Summary Slides of Budget versus actual to be presented to the Board by the CEO A week before Board meeting Finance Director Athletics Ireland Draft Financial Statements 12 months Management accounts year ended 31st December 28th February Finance Director CEO / Auditor Financial Statements Financial Statements year ended 31st December 31st March Finance Director All
FINANCIAL REVIEW AND ASSURANCE SERVICES AGREEMENT For Administrative Purposes Only Ministry Contract No.: ____________________ Requisition No.: __________________________ Solicitation No.(if applicable): ______________ Commodity Code: _________________________ Contractor Information Supplier Name: __________________________ Supplier No.: __________________________ Telephone No.: __________________________ E-mail Address: __________________________ Website: ________________________________ Financial Information Client: ____________ Responsibility Centre: ____________ Service Line: ____________ STOB: ____________ Project: ____________ Template version: July 4, 2016 TABLE OF CONTENTS ___________________________________________________________________________________________ No. Heading Page Definitions 1 1.1 General 1 1.2 Meaning of "record" 2
Capital One Mastercard Joint Meridian Credit Union Card # 2234 5555 6666 7777 50% of 6,000.00 3,000.00 3,000.00 23. TOTAL OF DEBTS AND OTHER LIABILITIES $ 107,500.00 $ 107,500.00
Form 13.1: Financial Statement (Property and Support Claims) (page 9) Court file number PART 8: DISPOSED-OF PROPERTY Show by category the value of all property that you disposed of during the two years immediately preceding the making of this statement, or during the marriage, whichever period is shorter. Category Details Value $ 27. TOTAL VALUE OF DISPOSED-OF PROPERTY $ 0 PART 9: CALCULATION OF NET FAMILY PROPERTY Deductions BALANCE Value of all property owned on valuation date (from item [22] above) $ 312,000.00 Subtract value of all deductions (from item [25] above) $ 107,500.00 $ 419,500.00 Subtract total value of excluded property (from item [26] above) $ 12,500.00 $ 432,000.00 28. NET FAMILY PROPERTY $ 432,000.00 NOTE: This financial statement must be updated no more than 30 days before any court event by either completing and filing: · a new financial statement with updated information, or · an affidavit in Form 14A setting out the details of any minor changes or confirming that the information contained in this statement remains correct. Sworn/Affirmed before me at the City of St. Catharines municipality in the Province of Ontario province, state or country Signature (This form is to be signed in front of a lawyer, justice of the peace, notary public or commissioner for taking affidavits.) on February 21, 2014 date Commissioner for taking affidavits (Type or print name below if signature is illegible.)
$ $ $ Real Property Owned, Rented, and Leased Attach additional sheets if needed Property Description Purchase/Lease Date Current Fair Market Value Current Loan Balance Monthly Payment Amount Date of Final Payment Equity (Fair Market Value Minus Loan) $ $ $ $ Purchased Leased Location (Street, City, State, Zip & County) Lender/Lessor/Landlord Name, Address, Phone Asset registered to: Property Description Purchase/Lease Date Current Fair Market Value Current Loan Balance Monthly Payment Amount Date of Final Payment Equity (Fair Market Value Minus Loan) $ $ $ $ Purchased Leased Location (Street, City, State, Zip & County) Lender/Lessor/Landlord Name, Address, Phone Asset registered to: Personal Vehicles Leased & Purchased Include boats, RVs, motorcycles , and airplanes Attach additional sheets if needed Description Purchase/Lease Date Current Fair Market Value Current Loan Balance Monthly Payment Amount Date of Final Payment Equity (Fair Market Value Minus Loan) Purchased Leased $ $ $ $ Year Mileage License # Lender/Lessor/Landlord Name, Address & Phone Make Model Asset registered to: Description Purchase/Lease Date Current Fair Market Value Current Loan Balance Monthly Payment Amount Date of Final Payment Equity (Fair Market Value Minus Loan) Purchased Leased $ $ $ $ Year Mileage License # Lender/Lessor/Landlord Name, Address & Phone Make Model Asset registered to: Personal Assets Include furniture, artwork, jewelry, coins, guns, antiques or other assets Attach additional sheets if needed Description Purchase/Lease Date Current Fair Market Value Current Loan Balance Monthly Payment Amount Date of Final Payment Equity (Fair Market Value Minus Loan) Purchased Leased $ $ $ $ Location (Street, City, State, Zip & County) Lender/Lessor/Landlord Name, Address & Phone 4- Personal Income and Expense Information Monthly Income/Expense Statement
Your composite living costs and variable expenditure are added together and balanced against your annual income. This is then divided over the appropriate number of weeks. An assumed income is added for single students and postgraduates. Assumed Income If you have no dependents, an assumed income is applied. This is intended as an average amount a student might have available over the year from part time earnings/student overdraft. The assumed income is £1869 per year, depending upon the amount of SFE support you receive, but only £623 in the final year of the course. If you work during term time or over the vacations, this is not counted in the calculation, only the assumed income. Therefore, even if you earn more than £1869 over the year, only the assumed income is counted. Certain types of income are disregarded, namely any grant or loan for tuition fees, an element of the Low Income Maintenance Grant or Special Support Grant, Disabled Students’ Allowances, Care Leaver’s Grant and certain disability benefits. For students starting in 2016 an element of the means-tested maintenance loan will be disregarded. Bursaries and Scholarships received under the University OFFA provisions will be partially taken into account. If you are unable to work due to a disability or other health problem, or due to high commitments, such as caring, the assumed income may be reduced or not applied at the assessor’s discretion. As a guide, the majority of applications are assessed over the following period: Single full-time undergraduates – 39 weeks Full-time undergraduates with dependent children – 43 weeks Full-time and part-time postgraduates – 52 weeks Part-time undergraduates – 39 weeks There will be some courses that are assessed over a different period of weeks. After applying the above calculation, any resulting shortfall is called an additional need. It is at the University’s discretion as to what percentage of any additional need is paid out and may vary from one academic year to the next. Percentages may drop later in the year as the Funds decrease, or if there is particularly high demand, or if the applicant is not in one of the priority groups. UNIVERSITY BURSARIES / SCHOLARSHIPS
Programme Overview - Families and Communities Programme Outcomes The Department of Social Services (DSS) funds organisations to develop and maintain a cohesive Australian community and improved independence and self-sufficiency recognising that government contributions are only one source of funding for the operation of community services. The Families and Communities Programme aims to support families, improve children’s wellbeing and increase participation of vulnerable people in community life to enhance family and community functioning. The following seven Activities make up the Programme and support the Commonwealth Government’s priorities and responsibilities: Financial Wellbeing and Capability Families and Children Strengthening Communities Settlement Services Civil Society Families and Communities Service Improvement National Initiatives
Table of Contents ITEM DESCRIPTION COMPLIANCE SATISFIED BY EITHER ATTACHING A FILE, CHECKING A BOX, OR ITEM IS NOT APPLICABLE FILE ATTACHED CHECK BOX N/A 1 Type of Conversion Note filename for upload if there’s been a change in conversion type Place an “X” by the appropriate selection 2 Physical Condition Assessment (PCA) Note filenames here for the narrative and the EXCEL tool 3 Scope of Work Note filenames here for upload Place an “X” here if not applicable 4 Completed Environmental Review Note filename here for upload Place an “X” here if FHA-insured 5 Relocation Plan Note filename here for upload Place an “X” here if not applicable 6 Development Budget Note filename here for upload Place an “X” here if not applicable 7 Development Team Note filename here for upload Place an “X” here if not applicable 8 Proposed Financing Note filename here for upload Place an “X” here if not applicable 9 Operating Pro Forma Note filename here for upload 10 Market Study Note filename here for upload Place an “X” here if not applicable 11 Rehabilitation/ Construction Management Note filename here for upload Place an “X” here if not applicable
escrow information. Proposal Information - Specific Terms Defines the basic parameters for the financing organizations to prepare their bid responses. Defines lessee, lessor, nature of the model lease contract, security required, desired terms of interest rate, pre-payment requirements, assignment rights, the need to specify all costs, requirements of the ESCO, and requirements of the lender. State whether client’s funds will be used as a down payment. Proposal Information – Conditions to Proposal This section defines the conditions: the cost of developing the proposal is the respondent’s responsibility, there are no oral or implied contracts, the client has the right to accept or reject the proposal, the lessor is required to enter into a tax-exempt lease purchase agreement with the client if selected, and any amendments that become part of the contract, and standard contract requirements. Financing Proposal Letter A prepared letter is provided for respondents to submit that includes the submittal requirements of lender information, financing structure (structure, security, proceeds, term, payments, prepayment, interest rate, closing costs, escrow account terms, model lease contract, payment and performance bond requirements The intent is for the ESCO to review the responses and present all responses to the client with the ESCO’s recommendations and comments on the most advantageous proposal.
tvm_Pmt(5,8,-25000,0,1,1) Press [ENTER]. Your screen should look like this: tvm_Pmt(5,8,-25000,0,1,1) 6261.41 Your payments would be $6261.41. Note that the rules for negative values are the same for this application as for the TVM Solver. Decision Flowchart for Time Value of Money Problems This flowchart should help you organize your approach to solving time value of money problems. Start at ‘Problem’ and work your way down the chart until you have identified the type of problem. Problem Types: Single Dollar, Mixed Cash Flow, Future Value Annuity, Present Value Annuity, Perpetuity Step 1: Is it a one time cash flow or a multiple cash flow problem? Step 2: If it is a one time cash flow, it is a single dollar problem. DONE If it is a multiple cash flow problem, are all the payments the same or different? Step 3: If all the payments are the same, are they finite or infinite? If the payments the different, it is a mixed cash flow. DONE Step 4: If all the payments are the same and infinite, it is a perpetuity. DONE If all the payments are the same and finite, it is an annuity–but is it like a savings problem or like a borrowing problem? Step 5: If it is like a savings problem, it is future value annuity. DONE If it is like a borrowing problem, it is present value annuity. DONE Once you have some experience with your graphing calculator, your main task will be to figure out the type of question being asked. Calculating is the easy part! Chapter 7–Non-Annual Compounding and Discounting
Executive Summary Summary of project SaveStudySpend was a Scotland-wide, student-led investigation funded by the Money Advice Service and delivered by Young Scot to identify what financial capability support and interventions currently exist for further and higher education students across Scotland. This was a co-design project with young people playing a full role in all aspects of the project including planning, delivery and evaluation though membership of a Student Investigation Panel (SIP). The SIP researched what financial capability support
3. Stakeholder organisations work in partnership with young people This process evaluation outcome contributes to the following Theory of Change outcomes: More joined up and enhanced financial capability support opportunities 3.1 Stakeholder organisations have developed a deeper understanding of financial capability service provision and accessibility from a young person’s perspective Stakeholder questionnaire at the end of the project Workshop - follow up at the end of the project February 2018 February 18 3.2 Stakeholder organisations have considered and provided feedback on the views and ideas of young people Stakeholder questionnaire – follow up at the end of the project Workshop - follow up at the end of the project Project Documents February 18 February 18 February 18 3.3 Stakeholders have built a relationship with and developed an understanding of ways young people can be involved Stakeholder questionnaire – follow up at the end of the project Workshop - follow up at the end of the project Young people’s questionnaire – follow up February 18 February 18 February 18 3.4 Stakeholders value the participation of young people in policy and service development Stakeholder questionnaire – follow up at the end of the project Workshop - follow up at the end of the project Follow up – February 2018 February 18
Learning and Sharing Plan It is important to take time out to plan the way that you will learn from your evaluation, and how you will share that learning with others. The best way to do this is to think about why the information is needed, what that information looks like, who needs to know it, and when and how they need to know it. You should do this when you start to think about your evaluation because it will influence the approach you take, but you should keep your plan at the front of your mind so that it can evolve over time. Use this template to work through the key stakeholders for your evaluation, whether they are internal or external – and their needs. Name of programme being evaluated: Who needs to know? Why is the information needed? What will it be used for? What is the information? When is the information needed? How should the information be supplied? In what format? Action: who will be responsible for delivering this? Example: Trustees Senior Managers Team Example: To inform decisions about running the xxx programme in future Example: Outcomes measurement showing impact on young people Example: 18th November 15th January Annually thereafter Example: Presentation to Trustees Presentation to SMT Example: Name of person Example: Policy manager writing grant application Example: To feed into grant application for the xxx fund Example: Outcomes measurement showing impact on young people Evidence to show that the xxx programme is effective at engaging young people Example: 28th February Example: Year 1 evaluation report Key findings document Example: Name of person Example: Programme development team Example: To better understand the needs of people engaged by the xxx programme, so we can refine the activities we deliver Example: Findings from case study work with young people to understand their motivations and needs Example: Regular updates: at quarterly development meetings (January, April, July, October) Example: Case study report Key findings document Example: Name of person
Monday 14th Tuesday 15th Wednesday 16th Thusday 17th Friday 18th AM Bank of England launch event: Breakfast round table Symptoms of debt FinCap in the workplace event Financial Capability conference MP Visits Great to see @MartinSLewis cutting the ribbon for the start of #FinCapWeek! @FinCapStrategy @bankofengland Spotting early signs of problem debt helps ensure interventions are as effective as possible #DebtAdvice #FinCapWeek @FinCapStrategy Action to improve #FinancialCapability in the workplace stands to benefit employees and employers alike #FinCapWeek @FinCapStrategy Pleased to be attending @FinCapStrategy’s first annual event! #FinancialCapability #FinCapWeek TBC depending on regional events #FinCapWeek starts today & aims to raise awareness about the importance of financial capability. More info at fincap.org.uk @FinCapStrategy @FinCapStrategy launches new research into early symptoms of problem debt #FinCapWeek <link to news article> @FinCapStrategy says employers have a vital role to play in improving #FinancialCapability #FinCapWeek Great to see the progress made by @FinCapStrategy over the last 12 months #FinancialCapability #FinCapWeek TBC depending on regional events PM Children and young people event: Westminster Hall debate: Young adults and apprenticeships Economic analysis round table event @FinCapStrategy’s new research into #FinancialCapability among children and young people #FinCapWeek <link to news article>B11 Apprenticeships for young adults can help lay the groundwork for #FinancialCapability in later life #FinCapWeek @FinCapStrategy Improving levels of #FinancialCapability stands to have a notable impact on the UK economy #FinCapWeek @FinancialCapability Levels of #FinancialCapability remain stubbornly low, improving them is incredibly important #FinCapWeek @FinCapSurvey TBC depending on regional events Cross-sector collaboration will give young adults high levels of #FinancialCapability and financial security in later life #FinCapWeek Fascinating research into the relationship between #FinancialCapability and the UK economy @FinCapStrategy #FinCapWeek @FinCapStrategy highlights the importance of collective impact to improve levels of #FinancialCapability #FinCapWeek TBC depending on regional events
Email the completed application form, along with your recent CV (resume), to “” and copy to with the subject line Fellowship application from Indian Association of Preventive and Social medicine (IAPSM). Name: ___________________________________ Age: _____________________ Gender: ________ Medical Council of India /State Medical Council registration number: ______________ Name of State Council: __________________ Complete postal address: Plot No. ____________________________________ Street/ Area: ____________________________________ City & State: ____________________________________ Pin Code: ____________________________________ Email id: Phone number: Relevant qualifications: Relevant Experiences: Please write why do you want to apply for the Fellowship (in 500 words) Please write what would you want to do after the Fellowship (in 500 words) Place: _____________ Date: __ __ / __ __/ __ __ Last date for submission : 31st May 2017
Table of contents 1. Introduction to Fincoin seed 3 2. Fincoin 4 3. Fincoin desktop wallet 5 3.1. Download, install and run 5 3.2 Using Fincoin wallet for the first time 6 3.2.1 Running Fincoin wallet for the first time 6 3.2.2 Creating Fincoin wallet for the first time 7 3.2.3 Restoring Fincoin wallet for the first time 8 3.3 Fincoin UI 10 3.4 Creating a new wallet 14 3.5 Add address, hide address with 0 balance, lock/unlock a wallet and rename …………………..15 3.6 Sending Fincoin 17 3.7 Receiving Fincoin 22 3. Balance check 23 3.9 Backup wallet: 23 3.10 Load wallet and restore from backup 24 3.11 Search transaction records 25 3.12 Fincoin 25 3.13 Searching for Seed 25 3.14 Sent, but not 27 3.15 FAQ 27
wallets can be restored in this version. Copy and paste the seed in “Confirm seed” section, then click “Create”. A dialogue box will pop up after you click “Create”, Plese make sure you have backed up the seed. Click “Continue” to set the password. Double confirm the password and then click “Finish” (Setting a password is not mandatory but highly recommended). 3.2.3 Loading Fincoin wallet for the first time Click “Load”, and then in the “name” section input how you would like to name your wallet. Input the seed of the wallet which you wish to load. Then click “Create”. Click “Create” to set the password. Double confirm the password and then click “Finish”. (Setting a password is not mandatory but highly recommended). 3.3 Fincoin UI Fincoin UI is composed of three parts as shown above. Total Balance coin & hour, Settings, and More Wallets, Send, History
Click “show more”, and details of the entire transaction is shown as below: 3.7 Receiving Fincoin Switch to Wallet interface; scroll the address list to choose one that you wish to receive coins. Leave the mouse over the chosen address, and a blue “copy” button will show up. Click it to copy the address: The address copied can be pasted and sent in any text-sending method e.g., QQ, WeChat, and email etc. For withdrawal from an exchange, paste your address on exchange website. (Please follow the instructions of exchange, they might be different) 3.8 Balance check Go to “Wallets”, the total balance of each wallet is shown on the right of the specific wallet. For balance check of each address, click the drop-down menu to show the address list, and the balance is shown on the right. 3.9 Backup wallet: Back up a wallet by keeping its Seed. Please print out or write down the seed and store it safe (for how to check the seed of your wallet, see to 3.13) 3.10 Load wallet For how to load a wallet via your seed: Go to “Wallets”, Click “Load Wallet” as shown below:
November 16, 2015 Week 13 Lawrence Education Center Find That Job Image and text used with permission -2012 WorldBook Online and FamousQuotes.com “Any fact facing us in not as important as our attitude toward it, for that determines our success or failure.” Norman Vincent Peale, (1898-1993), an American clergyman, won fame for his writings and his radio and television programs. Food Service: Cracker Barrel located at 5975 S. 6th St. is hiring cashiers, servers, and dishwashers. Age 18 and up, apply at the restaurant or on line at crackerbarrel.com. Applebee’s located at 2554 Sunrise Dr is hiring evening servers. Age 19 and up. Apply between 2 – 4pm at the restaurant. Pease’s Candy Shops located at 1701 S. State St. and 3417 Freedom Dr. are hiring. Apply at the store. .Lawrence Education Center • 101 E Laurel Street, Springfield, IL 62704 • 217/525-3233 “Find That Job” is prepared by Janet Ulm, Workforce Specialist. It is available online at http://www.sps186.org/schools/lawrence/?p=286&b=58&cat=14084 Burger King located at 2900 S. 6th St. is hiring. Apply on line at snagajob.com, Search Burger King, zip code 62703 and complete application. Hardees located at 1700 Wabash Ave is hiring. Apply on line at 123work4us.com or mihjobs.com.
Description Natural hazelnut kernel is processed with heat and the skin is peeled and the hazelnut kernel turn into roasted form with 5% skin and between 0,8 – 3% desired humidity level Calibration 9-11 mm, 11-13 mm, 13-15 mm or any size from 9 mm to 15 mm with 1-2 mm intervals Packaging 25/50 kg nylon jute bags, 25/40 kg. kraft bags, 5/10/12,5/20/25 kg vacuum bags with or without cartons, 500/800/1000 kg big bags Usage Snack and Bakery 5.Roasteded Hazelnut Kernels with Skins Description Natural hazelnut kernel is processed with heat so the skin is peeled and the hazelnut kernel turn into roasted form with 5% skin and between 0,8 – 3% desired humidity level Calibration 9-11 mm, 11-13 mm, 13-15 mm or any size from 9 mm to 15 mm with 1-2 mm intervals Packaging 25/50 kg nylon jute bags, 25/40 kg. kraft bags, 5/10/12,5/20/25 kg vacuum bags with or without cartons, 500/800/1000 kg big bags Usage Snack and Bakery 6.Natural Diced Hazelnuts
Most articles have a much faster turnaround time. Newspaper articles, for example, are often written, edited, and published the same day as a major event. Short This may seem obvious, but since articles are much shorter than books, they can help you consider a variety of perspectives, reports, or studies related to your topic much more quickly and easily. When you consider multiple perspectives and publications, you strengthen your own credibility as a student writer. Specific Articles tend to cover a very specific aspect of a topic, while books often cover a subject more broadly. For example if you’re researching plastic bottle recycling initiatives in Austin, TX, you might find general material about plastic bottles and urban recycling in a book about recycling. But the local facts and specific details related to projects in Austin are more likely to come from articles in local news sources like the Austin American-Statesman and the Austin Chronicle. Scholarship & Research Has your professor asked you to find scholarly or academic journal articles? Academic journals contain the latest research and experimental study results. Academic articles are written by scholars in a particular field.
This analysis fulfills the requirements of NEPA, as implemented by the CEQ regulations (40 CFR 1500- 1508), as well as the requirements of the Environmental Analysis of Army Actions (32 CFR 651). Therefore, issuance of a FNSI is warranted and an Environmental Impact Statement (EIS) is not necessary. Reviewed and Approved by: ______________________________ _______________________________________ Date BRIAN E. WALSH COL, AV Garrison Commander
Finding the nth Term of a Quadratic Sequence Find the nth term: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. Finding the nth Term of a Quadratic Sequence Find the nth term: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. Finding the nth Term of a Quadratic Sequence: ANSWERS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14.
sight impaired with no useable sight, but their needs are likely to be different and would require a separate study. Additional costs and why they were considered important Technology and communication People who are sight impaired need various technological items with higher specifications than fully sighted people, such as larger computer screens, and televisions with talking menus and other additional features. They need higher grade mobile phones to provide extra accessibility features and apps. They also require specialised items such as a video magnifier, assistive computer software and training in its use. The research groups agreed that such technology is important to sight impaired people, to enable communication, facilitate access to written materials, and make the best use of the sight that they have, as expressed by one research participant: “The more independence you have with aids or talking facilities or large print or font sizes or whatever, the more we feel normal. That is hugely important.” While some technology items only involve one-off purchases, having a more expensive mobile phone can add significantly to regular monthly costs. Domestic help every two weeks for two hours Groups agreed that someone who is sight impaired could do some cleaning, but having regular help to give the home a ‘good once over’ or to deal with particular jobs in the home would be beneficial. They noted that maintaining the presentation of the home is important for ‘self-esteem’. Additional travel costs People who are sight impaired can require additional taxi journeys for some medical appointments where eye drops are administered and to allow for times when a condition fluctuates making it harder to use the