Applying for a loan is no fun. But sometimes, due to inflation or the desire for a better lifestyle, people must try to get a loan. In this video, we'll talk about some phrases that you can use to talk to others, including bank officials, about getting a loan. Get fresh English lessons daily! Subscribe to our YouTube channel. Don't forget to connect with us on Facebook : http://facebook.com/twominenglish Check out our website: http://twominenglish.com for lesson scripts and more learning. Get our mobile app for Android : https://play.google.com/store/apps/details?id=com.astrobix.twominuteenglish
Views: 23469 Twominute English
Taking time to make a budget can help you make smart financial decisions today and reach your goals in the future. Setting up your budget is simple. You just need to take the time to get started. To learn more about personal budgeting, visit http://StudentAid.gov/Budget.
Views: 503567 Federal Student Aid
So, we've been putting off a kind of basic question here. What is money? What is currency? How are the two different. Well, not to give away too much, but money has a few basic functions. It acts as a store of value, a medium of exchange, and as a unit of account. Money isn't just bills and coins. It can be anything that meets these three criteria. In US prisons, apparently, pouches of Mackerel are currency. Yes, mackerel the fish. Paper and coins work as money because they're backed by the government, which is an advantage over mackerel. So, once you've got money, you need finance. We'll talk about borrowing, lending, interest, and stocks and bonds. Also, this episode features a giant zucchini, which Adriene grew in her garden. So that's cool. Special thanks to Dave Hunt for permission to use his PiPhone video. this guy really did make an artisanal smartphone! https://www.youtube.com/watch?v=8eaiNsFhtI8 Crash Course is on Patreon! You can support us directly by signing up at http://www.patreon.com/crashcourse Thanks to the following Patrons for their generous monthly contributions that help keep Crash Course free for everyone forever: Fatima Iqbal, Penelope Flagg, Eugenia Karlson, Alex S, Jirat, Tim Curwick, Christy Huddleston, Eric Kitchen, Moritz Schmidt, Today I Found Out, Avi Yashchin, Chris Peters, Eric Knight, Jacob Ash, Simun Niclasen, Jan Schmid, Elliot Beter, Sandra Aft, SR Foxley, Ian Dundore, Daniel Baulig, Jason A Saslow, Robert Kunz, Jessica Wode, Steve Marshall, Anna-Ester Volozh, Christian, Caleb Weeks, Jeffrey Thompson, James Craver, and Markus Persson -- Want to find Crash Course elsewhere on the internet? Facebook - http://www.facebook.com/YouTubeCrashCourse Twitter - http://www.twitter.com/TheCrashCourse Tumblr - http://thecrashcourse.tumblr.com Support Crash Course on Patreon: http://patreon.com/crashcourse CC Kids: http://www.youtube.com/crashcoursekids
Views: 587056 CrashCourse
A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vital. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Views: 297013 MoneyWeek
June 14 (Bloomberg) -- Entrepreneur Mark Cuban discusses the U.S. Economy and starting a business with Trish Regan at the Clinton Global Initiative in Chicago on Bloomberg Television's "Street Smart." (Source: Bloomberg) --Subscribe to Bloomberg on YouTube: http://www.youtube.com/Bloomberg On Bloomberg Television's "Street Smart," hosts Trish Regan and Adam Johnson bring you the most important market news and analysis affecting the S&P 500, Dow Jones Industrial Average, and the Nasdaq for your last trade of today and first trade for tomorrow. Broadcasting daily from Bloomberg TV's headquarters in New York, this business news show centered around the closing bell on New York exchanges, is targeted to provide the best analysis of the day's leading market headlines with a mix of original reporting, earnings news and expert sourcing from Wall Street's sharpest options traders, equity strategists and company analysts. Trish Regan and Adam Johnson provide actionable insight on the capital markets daily with regular segments such as "Chart Attack," depicting likely market moves before they happen, and "Insight & Action" which explains original trading ideas that can make you money. In addition, "Street Smart" is filled with breaking news, political analysis, and market-moving interviews with exclusive guests such billionaire investor Carl Icahn, hedge fund titan Bill Ackman, automaker Elon Musk and more. "Street Smart" broadcasts at 3-5pm ET/12-2pm PT. For a complete compilation of Street Smart videos, visit: http://www.bloomberg.com/video/street-smart/ Watch "Street Smart" on TV, on the Bloomberg smartphone app, on the Bloomberg TV + iPad app or on the web: http://bloomberg.com/tv Bloomberg Television offers extensive coverage and analysis of international business news and stories of global importance. It is available in more than 310 million households worldwide and reaches the most affluent and influential viewers in terms of household income, asset value and education levels. With production hubs in London, New York and Hong Kong, the network provides 24-hour continuous coverage of the people, companies and ideas that move the markets.
Views: 3794259 Bloomberg
It's not about how much money you earn. It's what you do with the money that matters. In this video, I'm going to show you a business strategy on how to manage your money. I'm not gonna tell you what to invest in. That's not my role. Here are the best ideas of what the best professionals do to manage their money. Learn more from Tom LIVE at the next Summit event: http://bit.ly/2xgZ6Uq ------------ I hope you got some helpful tips and new ideas from this video. To ensure you don't miss all my FREE training videos all you have to do is sign up here with your email: http://bit.ly/TomFerry-VideoTraining Get a FREE copy of my new book: http://bit.ly/2Bblstw Download FREE Agent Scripts and Resources: http://bit.ly/2iDEjpJ Tom Ferry Coaching: http://bit.ly/2eP8UlA Tom Ferry Events: http://bit.ly/2gQBjbD Join Tom's VIP List: http://bit.ly/2sMb73n ------------- Connect with me on my other social channels: Website - http://TomFerry.com Facebook - http://facebook.com/TomFerry Twitter - http://twitter.com/TomFerry YouTube - http://youtube.com/CoachTomFerry Instagram - http://instagram.com/TomFerry Podcast - http://soundcloud.com/CoachTomFerry
Views: 1382499 Tom Ferry International
William Ackman: Everything You Need to Know About Finance and Investing in Under an Hour. WILLIAM ACKMAN, Activist Investor and Hedge-Fund Manager We all want to be financially stable and enjoy a well-funded retirement, and we don't want to throw out our hard earned money on poor investments. But most of us don't know the first thing about finance and investing. Acclaimed value investor William Ackman teaches you what it takes to finance and grow a successful business and how to make sound investments that will get you to a cash-comfy retirement. The Floating University Originally released September 2011. Additional Lectures: Michio Kaku: The Universe in a Nutshell http://www.youtube.com/watch?v=0NbBjNiw4tk Joel Cohen: An Introduction to Demography (Malthus Miffed: Are People the Problem?) http://www.youtube.com/watch?v=2vr44C_G0-o Steven Pinker: Linguistics as a Window to Understanding the Brain http://www.youtube.com/watch?v=Q-B_ONJIEcE Leon Botstein: Art Now (Aesthetics Across Music, Painting, Architecture, Movies, and More.) http://www.youtube.com/watch?v=j6F-sHhmfrY Tamar Gendler: An Introduction to the Philosophy of Politics and Economics http://www.youtube.com/watch?v=mm8asJxdcds Nicholas Christakis: The Sociological Science Behind Social Networks and Social Influence http://www.youtube.com/watch?v=wadBvDPeE4E Paul Bloom: The Psychology of Everything: What Compassion, Racism, and Sex tell us about Human Nature http://www.youtube.com/watch?v=328wX2x_s5g Saul Levmore: Monopolies as an Introduction to Economics http://www.youtube.com/watch?v=FK2qHyF-8u8 Lawrence Summers: Decoding the DNA of Education in Search of Actual Knowledge http://www.youtube.com/watch?v=C6SY6N1iMcU Douglas Melton: Is Biomedical Research Really Close to Curing Anything? http://www.youtube.com/watch?v=Y95hT-koAC8
Views: 2775617 Big Think
Alexa von Tobel is the founder and CEO of LearnVest.com which she has been developing and growing since 2006. LearnVest is the leading personal finance and lifestyle website that brings financial literacy to women. Since launching LearnVest, Alexa has been widely quoted as a personal finance expert and entrepreneur in top tier business and consumer publications including: New York Times, The Wall Street Journal, New York Post, BusinessWeek, Shape, Fast Company, Marie Claire, ForbesWoman, InStyle, People StyleWatch, Time Out New York, The Huffington Post, among many others. Alexa has been included on Vanity Fair's 2011 Next Establishment list, featured on Business Insider's 2010 and 2011 Silicon Alley 100 lists, named "One of the Coolest Young Entrepreneurs" in Inc. Magazine's 30 Under 30 feature, titled a "Woman to Watch" by Forbes and included on the publication's 30 Under 30 list, highlighted on BusinessWeek's annual list of "Best Young Tech Entrepreneurs," among others. LearnVest has been named one of "25 Women-Run Startups to Watch" by Fast Company, included on Forbes' list of the "Top 100 Websites for Women" for the second year in a row, featured on Business Insider's Digital 100 list and included on Time Magazine's annual list of "50 Best Websites." More information at http://www.TEDxWallStreet.com About TEDx, x = independently organized event: In the spirit of ideas worth spreading, TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. At a TEDx event, TEDTalks video and live speakers combine to spark deep discussion and connection in a small group. These local, self-organized events are branded TEDx, where x = independently organized TED event. The TED Conference provides general guidance for the TEDx program, but individual TEDx events are self-organized.* (*Subject to certain rules and regulations)
Views: 755519 TEDx Talks
Get Unlimited Access to GCSE Tutor Videos & Online Revision Here for £19.99: http://www.revisionapp.co.uk/product/online-gcse-revision. When choosing finance for a business, its essential that it's adequate for the needs of the business. For example, making sure that it's actually enough to pay for what it is you need. Its also important that its appropriate and won't leave the business with massive interest payments if it is already burdened with other high monthly payments. Finance can come from internal or external sources. If it comes from internal sources it's likely to come from three sources; retained profits from previous years after all deductions, sale of assets such as machinery and, more effective use of capitol. This may include chasing debtors and negotiating longer credit periods with suppliers. All of these sources are are a great way of raising large amounts of cash. External finance is generated from outside the business in a variety of ways. The main sources are loan capital, venture capital, ordinary share capital and personal funding. Loan capital is one of the most common ways of funding a business. Loans are often used to purchase fixed assets such as land and machinery. Typically they are re-payed in monthly instalments and the bank will usually require collateral in the event of a business defaulting. Although large amounts of funding are available, loans are becoming increasingly difficult to get and the application process can be long-winded. Furthermore too many loans increase the company's gearing to dangerous levels. Business bank accounts will often come with an overdraft facility that will allow the business to withdraw more money from the bank than it has in its account. It's a flexible, short-term method of borrowing extra money. However, its important to remember that interest is calculated on a daily basis and it can be recalled at very short notice. Venture capital is an extremely risky type of investment that a 'venture capitalist' will make in a business which they believe has huge growth potential. Venture capital provides long-term committed share capital to help companies grow and succeed. Venture capitalist typically prefer to invest in entrepreneurial businesses. Obtaining venture capital is very different from taking out a loan with a bank. Banks have a legal right to interest on a loan and repayment of the capital regardless of if the business is a success whereas venture capital is invested in exchange for an equity stake in the business. As a shareholder, the venture capitalist's return is dependent on the profitability of the business. This return is earned when the venture capitalist "exits" by selling its shareholding when the business is sold to another owner. Alternatively a company might want to use ordinary shares to raise cash. To do so they would raise new shares and offer them to new or existing shareholders. The market value of a company's shares is determined by the price another investor is prepared to pay for them. In the case of publicly-quoted companies, this is reflected in the market value of the ordinary shares traded on the Stock Exchange. Lastly, owners of small businesses may choose to invest their own money into their business. This money could come from; personal savings, inherited funds, personal bank loans. They may make this decision because they desperately want their business to work and, also because its difficult for business to get credit. The biggest risk is that if the business fails the owner losses their investment or assets.
Views: 112376 Revision App - Student Blog
The England Illegal Money Lending Team, have produced pfeg quality marked teacher resource packs to teach money management. This video is the first clip of the cartoon produced as part of the primary pack.
Views: 992 StopLoanSharks
Cha-Ching is a financial literacy program that provides a platform for 7 to 12 years old children to learn (with the help of their parents) the knowledge, tools and practice they need to make informed financial decisions to reach their own personal goals and dreams. Earn, Save, Spend, and Donate: Children have many misconceptions about where money comes from. One child, when asked where money comes from, answered, "The ATM machine". They were certain that the ATM machine actually printed money. This insight led to the creation of a music video showing how money is printed by a press (not in the ATM machine) and then passes through the cycle of every banknote: EARN, SPEND, SAVE and DONATE! Watch it on: Cartoon Network Asia Visit: www.cha-ching.com Brought to you by: Prudence Foundation
Views: 291964 PrudentialCorpAsia
Thanks to all of you who support me on Patreon. You da real mvps! $1 per month helps!! :) https://www.patreon.com/patrickjmt !! Annuities : Annuity Due , Finding Future Value. In this video, we invest a fixed amount at regular intervals in an annuity due. We then find the future value of the annuity.
Views: 451012 patrickJMT
In SUZE ORMAN'S MONEY CLASS, financial powerhouse Suze Orman delivers her expert take on what actions everyone needs to consider to secure a hopeful and sustainable financial future in light of the new economic reality. After the upheavals of the economic downturn that began in 2008, Orman believes it's critical to rethink many of the traditional strategies we've been using to achieve our financial goals. In this special, Orman offers hard-hitting advice in her trademark no-nonsense style on how to navigate today's unsettling economic waters. The core of her message is an inspirational re-imagining of the American Dream -- based on integrity and standing in your truth. Throughout this financial master class, Orman equips viewers with timely, powerful and often surprising advice for getting a grip on the most important financial fundamentals: understanding the opportunities and pitfalls of the real estate market, raising financially aware children, borrowing for college and paying off student loans, building a career, saving and investing, planning for retirement and more. As Orman puts it, "I am calling on you to re-educate yourself, to discover -- perhaps for the very first time -- what truly constitutes your new American Dream. You will learn what it means to stand tall in your truth today, so that you can realize your vision for tomorrow." Taped before a live audience in Minneapolis at the University of Minnesota, this special presents fresh insight in Orman's time-honored style: plenty of frank and down-to-earth advice combined with compassionate and humorous Q and A. Orman's much-anticipated new program will offer viewers nationwide the insight and encouragement they need to succeed on this new financial frontier. This DVD includes additional 20 minutes of Q&A not seen on broadcast. This DVD offers chapter selection making it helpful to return to sections of interest. This DVD features subtitles in English (SDH).
Views: 86741 101therealest
Introduction to how banks make money and the value they (potentially) add to society. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/money-and-banking/banking-and-money/v/banking-2-a-bank-s-income-statement?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: We all use money and most of us use banks. Despite this, the actual working of the banking system is a bit of a mystery to most (especially fractional reserve banking). This older tutorial (bad handwriting and resolution) starts from a basic society looking to do more than barter and incrementally builds to a modern society with fraction reserve banking. Through this process, you will hopefully gain a deep understanding of how money and banking works in our modern world. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 805558 Khan Academy
https://www.freedommentor.com/best-loan-for-real-estate-investors Discover the best loan for real estate investors. Get the money for renovations, a low down payment, low interest rate and a 30 year amortization. It's a conventional loan that very few people talk about in real estate investing but it could be the perfect loan for you.
Views: 22682 Phil Pustejovsky
This guide will show you how to prepare a high-quality business plan using a number of easy-to-follow steps, and includes a template business plan: https://businesswales.gov.wales/zones/starting-up It is essential to have a realistic, working business plan when you're starting up a business. A business plan is a written document that describes a business, its objectives, its strategies, the market it is in and its financial forecasts. It has many functions, from securing external funding to measuring success within your business. See the Welsh-language version of this video Sut i Lunio Cynllun Busnes at http://youtu.be/wkCY81ilwgs
Views: 1009767 Business Wales/Busnes Cymru
Check our Free Christian Android Apps: https://play.google.com/store/apps/developer?id=Porepedia 1. God's Purpose...Peace and Life God loves you and wants you to know Him so He can fill you with peace and give you real life -- forever. The Bible says:: Because of our Lord Jesus Christ, we live at peace with God (Romans 5:1) God loved the people of this world so much that He gave His only son, so that everyone who has faith in Him will have eternal life and never die (John 3:16). Jesus said: "I came so that everyone would have life, and have it in its fullest" (John 10:10). Since God planned for us to have peace and real life right now, why are so many people hurting or angry inside? 2. Our Problem...Separation From God- God created us in His own image so we can know Him personally and have a joy-filled life. He did not make us as robots to automatically love and obey Him, but gave us a will and a freedom of choice. Since the beginning of time, we have chosen to disobey God and go our own willful way. We still make this choice today. This results in separation from God and ends in misery. The Bible says: All of us have sinned and fallen short of God's holiness (Romans 3:23). The result of unforgiven sin is death. But God's gift is eternal life given by Jesus Christ our Lord (Romans 6:23). The Bible says that disobeying God results in being separated from Him. Our attempts can never unite us with God. Through the ages, people have tried many ways to bridge this gap and reach God -- without success. The Bible says: Adam sinned, and that sin brought death into the world. Now everyone has sinned, and so everyone must die (Romans 5:12). You may think you are on the right road and still end up dead (Proverbs 14:12). There is only one way to reach God. 3. God's Remedy...The Cross God's Purpose... Peace and Life Jesus Christ is the only answer to this problem. He is the only One who can bring us back to God. He died on the Cross and rose from the grave, paying the penalty for our sin and bridging the gap between God and people. The Bible says: There is only one God, and Christ Jesus is the only one who can bring us to God (1 Timothy 2:5). Christ died once for our sins. An innocent person died for those who are guilty. Christ did this to bring you to God (1 Peter 3:18). But God showed how much He loved us by having Christ die for us, even though we were sinful (Romans 5:8). God has provided the only way -- we must make the choice. 4. Our Response...Give Ourselves to Christ . Our Response... Give Ourselves to Christ We must trust Jesus Christ to forgive our sins and determine to obey Him for the rest of our lives. That way we can know God and find peace again. The Bible says: So you will be saved, if you honestly say, Jesus is Lord, and if you believe with all your heart that God raised Him from death. God will accept you and save you, if you truly believe this (Romans 10:9-10). Is there any good reason why you cannot turn your life over to Jesus Christ right now? How to give your life to Christ: 1. Admit you are a sinner and need forgiveness. 2. Believe that Jesus Christ died for you on the Cross and rose from the grave. 3. Through prayer, confess that Jesus Christ is the only way to God and commit to live for Him for the rest of your life God Bless You Resource.. cbn.com
Views: 110513 Christian Sermons
SUMMARY: In the above video I reveal a powerful strategy that is practically available to all, but is known and fully understood by a very few. If one takes the time to learn and implement this method of eliminating debt, one may find themselves pleasantly surprised of how quickly their home mortgage, auto loans, student loans or business loans can be completely paid off. This strategy is known as Velocity Banking and in the video I will demonstrate how Velocity Banking can be used to pay off a 30 year home mortgage in just 5-7 years without sending double payments to the bank or changing one’s current level of income. RECAP OF THE VIDEO: I start off by creating a scenario of a financial situation by taking an average household net income in the United States combined with some of the basic monthly expenses: home mortgage, minimum payment on a credit card, car payment and living expenses which include groceries, utilities, gym membership… Once all expenses are identified and subtracted from the net monthly income it is important to understand the impact of cash flow, the difference between a loan and a line of credit, how the interest of a loan and a line of credit is calculated, and how monthly payments on a mortgage are dispersed between interest and principal paydown. To help demonstrate these differences I create tables and an amortization graph. As I go on to unveil the main differences I also identify the biggest reason why nowadays most homeowners are unable to payoff their home mortgages due to the unstrategic use of home refinancing. By this point having had identified the difference between a loan and a line of credit I can reveal the benefits of utilizing a line of credit to pay off a home mortgage in 5-7 years. This is where I get into the Velocity Banking strategy which incorporates an unaccustomed method of moving one’s entire monthly paycheck into a line of credit instead of the accustomed checkings and savings accounts. By adopting this method one can leverage a line of credit to free up cash flow, gain cash back rewards, build credit history and improve credit score, but the greatest leverage created is the thousands if not hundreds of thousands of dollars in interest savings. KARL'S MORTGAGE CALCULATOR APP: https://itunes.apple.com/us/app/karls-mortgage-calculator/id1025852681?mt=8 ★☆★ SUBSCRIBE TO MY YOUTUBE CHANNEL FOR VIDEOS ABOUT REAL ESTATE AND BUSINESS ★☆★ ★☆★ CONNECT WITH ME ON SOCIAL MEDIA ★☆★ FACEBOOK: https://www.facebook.com/Laura-Pitkute-1464576883611081/ INSTAGRAM: https://www.instagram.com/laurapitkute/?hl=en LINKEDIN: https://www.linkedin.com/in/laura-pitkute-a039399b/ DISCLAIMER: Please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.
Views: 1562492 Laura Pitkute
Visit http://www.VideoVocab.TV to view and download more videos on Business English vocabulary for ESL. This is the first in a two-part Video Vocab TV series on Business English vocabulary related to bankruptcy. This lesson will focus on financial English related to the two most common types of bankruptcy in U.S. law: Chapter 11 & Chapter 7.
Views: 76343 Business English Pod - Learn Business English
Here, you will understand how the total conventional debt is used in Financial Screening.
Views: 878 Marifa Academy
Thanks to all of you who support me on Patreon. You da real mvps! $1 per month helps!! :) https://www.patreon.com/patrickjmt !! Understanding Simple Interest and Compound Interest - In this video I try to make clear the difference between simple interest and compound interest!
Views: 413539 patrickJMT
All week on Making it in America, weâre taking you through a Budget Boot Camp.HLN's AJ Hammer sat down with finance guru Suze Orman -- host of the Suze Orman show on CNBC. And when it comes to budgeting, she didn't mince words! Suze helps us whip our money into shape! For more informaton please visit http://www.hlntv.com/video/2013/01/15/budget-boot-camp-suze-orman-finance-tips
Views: 804915 HLN
The Rest Of Us on Patreon: https://www.patreon.com/TheRestOfUs The Rest Of Us on Twitter: http://twitter.com/TROUchannel The Rest Of Us T-Shirts and More: http://teespring.com/TheRestOfUsClothing Part 2: https://www.youtube.com/watch?v=fcjmVj5fM5k Credits: Music by The FatRat. https://www.youtube.com/channel/UCa_UMppcMsHIzb5LDx1u9zQ If you're a YouTuber, definitely check The FatRat. The channel offers a wide variety of free-to-use music for your videos.
Views: 973362 The Rest Of Us
Dr. Manishika Jain in this lecture NCERT Class 10 Economics Chapter 3: Money and credit discusses Money versus Barter Barter System – Double coincidence of wants Money – eliminates double coincidence of wants; Medium of EXCHANGE Forms of Money Currency: Paper notes and coins – authorized by Govt. (India – RBI) Deposit with Banks – to earn interest for extra money; demand deposit (withdrawn on demand) – Cheque rather than Cash Depositor vs. Borrower Bank hold 15% of total deposit as cash B/w surplus & those who need Extend loans Higher interest rate on loan Diff. = INCOME for bank Credit (Loan) Situation Lender supplies the borrower in return for promise of future payment For industry, housing, crop production Can push borrower in further credit (crop failure) Terms of Credit Interest + Principal = Repayment Collateral: asset that the borrower owns and uses this as a guarantee to a lender until the loan is repaid Interest rate + collateral + documentation + mode of repayment = Terms of Credit Formal Sector Credit Formal sector loan – bank & cooperative – 90% rich household Informal sector loan - moneylenders, traders, employers, relatives and friends – not supervised & charge any amount (usually higher) – 85% poor households Formal – Supervised by RBI – Looks into Cash maintained by banks Loan not only to profit making businesses but others High borrowing cost implies most money goes in loan repayment Need for cheap & affordable credit 50% rural credit needs by formal sector Self-Help Groups Organize rural poor in groups and collect money Members take loan from group Group charges interest If group is regular in saving – can take bank loans Loan given in name of group – self employment opportunities Overcome problem of collaterals Grameen bank (Bangladesh) – 1970s – 6 million borrowers in 40,000 villages Concepts discussed are: Repo rate reverse repo rate CRR SLR Bank Rate For details on IAS visit https://www.examrace.com/IAS/IAS-FlexiPrep-Program/ For competitive exam preparation visit https://www.doorsteptutor.com/Exams/
Views: 45760 Examrace
NOTE: This is the old version of this content. The up to date version of the video, which features more up-to-date information and improved audio, is available here: https://youtu.be/azjCVzOQ96c This lesson is based off Chapter 15 of the text for Finance 418. Professor Bryan Sudweeks of Brigham Young University teaches this lesson. All lesson materials are available online at: http://personalfinance.byu.edu/content/15-home-decision Lesson Objectives: 1. Understand how a house fits into your personal financial plan 2. Understand the advantages and disadvantages of renting, buying, building, and renovating 3. Know the process on buying a home 4. Know how to compare different types of loans with different fees using the effective interest rate 5. Understand my recommendations in obtaining a home
Views: 1408 BYUPersonalFinance
Robert Kiyosaki is an entrepreneur and the author of “Rich Dad Poor Dad”, the #1 bestselling personal finance book of all time. In his talk, he discusses the power of financial education and how it relates to income inequality. Best known as the author of Rich Dad Poor Dad, Robert Kiyosaki has challenged and changed the way tens of millions of people around the world think about money. He is an entrepreneur, educator, and investor who believes the world needs more entrepreneurs.With perspectives on money and investing that often contradict conventional wisdom, Robert has earned an international reputation for straight talk, irreverence, and courage and has become a passionate and outspoken advocate for financial education. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at http://ted.com/tedx
Views: 2040186 TEDx Talks
http://GatewayCFO.com - Building a projection or budget for your business doesn't have to be a daunting task. Understanding your goals and tracking your progress against them can be a straightforward exercise, and doesn't have to require a ton of your time. In this video, Josh Turner with Gateway CFO Solutions shows you how to build a basic projection for your company's P&L or Income Statement. Business finance doesn't have to be complicated, and this screencast will quickly get you on the road to building your own financial projections. Be sure to visit GatewayCFO.com for more finance resources and tutorials that can help you achieve your profit potential, and to download a sample Excel template of this financial projection.
Views: 307644 GatewayCFO
http://www.subjectmoney.com This lesson is on Simple Interest. In this simple interest tutorial we cover the definition of simple interest and also show you how to some for all variables of an investment or loan that earns simple interest. We show you how to solve for the interest, the rate of simple interest, the principle of the loan, and the time periods of the investment or loan. We also provide several examples of simple interest using many different versions of the simple interest formula.
Views: 6281 Subjectmoney
The ABCs of Your 401k Lesson 5, "Loans and Hardship Withdrawals From Your 401k." Learn more at www.abcInvesting.com.
Views: 1533 Bill Conerly
Banks are a riddle wrapped up in an enigma. We all kind of know that they do stuff with money we don’t understand, while the last crisis left a feeling of deep mistrust and confusion. We try to shed a bit of light onto the banking system. Why were banks invented, why did they cause the last crisis and are there alternatives? The music from the video is available here! http://epicmountainmusic.bandcamp.com/track/banking http://soundcloud.com/epicmountain/banking http://www.epic-mountain.com Visit us on our Website, Twitter, Facebook, Patreon or Behance to say hi! http://kurzgesagt.org https://www.facebook.com/Kurzgesagt https://twitter.com/Kurz_Gesagt http://www.patreon.com/Kurzgesagt http://www.behance.net/Kurzgesagt Banking Explained – Money and Credit Help us caption & translate this video! http://www.youtube.com/timedtext_cs_panel?c=UCsXVk37bltHxD1rDPwtNM8Q&tab=2
Views: 4518739 Kurzgesagt – In a Nutshell
MIT 18.S096 Topics in Mathematics with Applications in Finance, Fall 2013 View the complete course: http://ocw.mit.edu/18-S096F13 Instructor: Peter Kempthorne, Choongbum Lee, Vasily Strela, Jake Xia In the first lecture of this course, the instructors introduce key terms and concepts related to financial products, markets, and quantitative analysis. License: Creative Commons BY-NC-SA More information at http://ocw.mit.edu/terms More courses at http://ocw.mit.edu
Views: 581149 MIT OpenCourseWare
Companies that purchase debt cheaply then collect it aggressively are shockingly easy to start. We can prove it! Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Views: 11507613 LastWeekTonight
Download this Financial English lesson from Business English Pod: https://www.businessenglishpod.com/category/finance-accounting/ In this Financial English lesson we’ll look at English vocabulary related to company financing. Companies may seek ongoing funding through debt financing, or loans, which require collateral. Or they may use factoring and lines of credit to access cash quickly. Other sources of funds include crowdfunding and public offerings, in which a company sells shares.
Views: 51907 Business English Pod - Learn Business English
MIT 18.S096 Topics in Mathematics with Applications in Finance, Fall 2013 View the complete course: http://ocw.mit.edu/18-S096F13 Instructor: Jake Xia This lecture focuses on portfolio management, including portfolio construction, portfolio theory, risk parity portfolios, and their limitations. License: Creative Commons BY-NC-SA More information at http://ocw.mit.edu/terms More courses at http://ocw.mit.edu
Views: 350828 MIT OpenCourseWare
FREE COURSE To Start Your Online Business: http://projectlifemastery.com/free-course Are you looking for ways to stop letting money control your life? In this video, Stefan provides you with some money management tips for how to budget and save money. Saving is very important. You have to make sure that you are putting money aside every month. The problem is that most people do not budget or save their money. In fact, most people live paycheque to paycheque. Whatever money they earn goes directly to paying off their monthly expenses. Therefore, there is no positive cash flow that they can then use and put aside. Harv Eker said it best – “It comes down to this: Either you control money, or it controls you. To control money, you must manage it”. It's time to master your money so that you can move forward with your life goals and experience financial freedom! ★☆★ VIEW THE BLOG POST: ★☆★ http://projectlifemastery.com/how-to-budget-and-save-money/ ★☆★ SUBSCRIBE TO ME ON YOUTUBE: ★☆★ Subscribe ► http://projectlifemastery.com/youtube ★☆★ FOLLOW ME BELOW: ★☆★ Blog ► http://www.projectlifemastery.com Twitter ► http://www.projectlifemastery.com/twitter Twitter ► http://www.twitter.com/stefanjames23 Facebook ► http://www.projectlifemastery.com/facebook Facebook ► http://www.facebook.com/stefanjames23 Instagram ► http://projectlifemastery.com/instagram Instagram ► http://www.instagram.com/stefanjames23 Snapchat ► http://projectlifemastery.com/snapchat Periscope ► http://projectlifemastery.com/periscope iTunes Podcast ► http://www.projectlifemastery.com/itunes ★☆★ MY PRODUCTS & COURSES: ★☆★ Morning Ritual Mastery ► http://www.morningritualmastery.com Affiliate Marketing Mastery ► http://www.affiliatemarketingmastery.com Kindle Money Mastery ► http://www.kmoneymastery.com 24 Hour Book ► http://www.24hourbook.com Kindle Optimizer ► http://www.koptimizer.com ★☆★ WANT TO BE COACHED BY ME? ★☆★ You can apply for my 1-on-1 and group coaching programs here: http://projectlifemastery.com/coaching ★☆★ RECOMMENDED RESOURCES: ★☆★ http://www.projectlifemastery.com/resources If you found this video valuable, give it a like. If you know someone who needs to see it, share it. Leave a comment below with your thoughts. Add it to a playlist if you want to watch it later.
Views: 238065 Project Life Mastery
Tim Bennett explains how an interest rate swap works - and the implications for investors. --- MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors. In all our videos we explain things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter.
Views: 479163 MoneyWeek
finance course, financial overview, basics, and best practices. at its core, finance is about deciding what to buy, getting the money, you need to buy it, and efficiently managing your resources after making the purchase. in this course, we provide a comprehensive overview of finance and touch on everything from reading a balance sheet to understanding derivatives and securities. we tackle questions such as "what is the difference between short-term financial management and long-term financing?" and "what is the difference between a traditional bank, an investment bank, and an investment fund?" and even analyze the data that go into personal financial decisions, such as deciding whether to buy a car and ensuring long-term financial success. this finance course and video tutorial includes: understanding financial statements, managing finances in the short term, analyzing risk and return, obtaining long-term financing, understanding the stock and bond markets, understanding the ipos, working with financial institutions, using capital budgeting, and creating simple personal saving and investment plans. education nerd’s social links: https://www.youtube.com/c/educationnerds https://plus.google.com/+Educationnerds https://twitter.com/educationnerds https://www.facebook.com/educationnerds https://www.pinterest.com/educationnerds http://educationnerds.tumblr.com https://medium.com/@educationnerds https://myspace.com/educationnerds http://www.stumbleupon.com/stumbler/educationnerds https://www.reddit.com/user/educationnerds https://digg.com/u/educationnerds http://educationnerds.livejournal.com http://educationnerds.com
Views: 772 education nerds | it's all about learning
🎶 Cut ‘Em Up, Cut ‘Em Up 🎶 - Slicing and dicing those “not as convenient as we think/thought” credit cards ✂️🗡🤺 during last night’s Financial Peace University’s “DUMPING DEBT” lesson. - If you haven’t seen yesterday’s video “I wrote a rap song about my Student Loan Debt,” you should head over and watch it first to understand what the heck I’m talking about. 😉 - Like Dave Ramsey says, “I am sick and tired of being sick of tired!!!” There’s a 🔥fire burning SO HOT deep within my SOUL. I am going to get out of this financial MESS my college SELF 👩🎓👱♀️ ignorantly created! - For the record, I NOW know there are PLENTY of other options besides pursuing “higher education” one could & should consider before knowingly signing themselves up for painfully consistent monthly repayments for the first 5, 10, 15 to 25 proper working years (tax paying years) of their life.
Views: 274 Jessica Kirsh
A video of voxpops asking young people 'Why do you save?'. This video can be used as a starter for a discussion with Primary School students about the benefits of savings. You will find the lesson plan and accompanying PowerPoints here: http://mybnk.org/financial-education-free-resources/lesson-plans-2/ This is a slice of MyBnk's Money Twist programme - the highest rated youth money skills project in the UK!
Views: 1179 MyBnk
This talk was given at a local TEDx event, produced independently of the TED Conferences. The Great Economic Myth of 2008, challenging the accounting to accounting principal. Brian Wesbury is Chief Economist at First Trust Advisors L.P., a financial services firm based in Wheaton, Illinois. Mr. Wesbury has been a member of the Academic Advisory Council of the Federal Reserve Bank of Chicago since 1999. In 2012, he was named a Fellow of the George W. Bush Presidential Center in Dallas, TX where he works closely with its 4%-Growth Project. His writing appears in various magazines, newspapers and blogs, and he appears regularly on Fox, Bloomberg, CNBCand BNN Canada TV. In 1995 and 1996, he served as Chief Economist for the Joint Economic Committee of the U.S. Congress. The Wall Street Journal ranked Mr. Wesbury the nation’s #1 U.S. economic forecaster in 2001, and USA Today ranked him as one of the nation’s top 10 forecasters in 2004. Mr. Wesbury began his career in 1982 at the Harris Bank in Chicago. Former positions include Vice President and Economist for the Chicago Corporation and Senior Vice President and Chief Economist for Griffin, Kubik, Stephens, & Thompson. Mr. Wesbury received an M.B.A. from Northwestern University’s Kellogg Graduate School of Management, and a B.A. in Economics from the University of Montana. McGraw-Hill published his first book, The New Era of Wealth, in October 1999. His most recent book, It’s Not As Bad As You Think, was published in November 2009 by John Wiley & Sons. In 2011, Mr. Wesbury received the University of Montana’s Distinguished Alumni Award. This award honors outstanding alumni who have “brought honor to the University, the state or the nation.” There have been 267 recipients of this award out of a potential pool of 91,000 graduates. About TEDx, x = independently organized event In the spirit of ideas worth spreading, TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. At a TEDx event, TEDTalks video and live speakers combine to spark deep discussion and connection in a small group. These local, self-organized events are branded TEDx, where x = independently organized TED event. The TED Conference provides general guidance for the TEDx program, but individual TEDx events are self-organized.* (*Subject to certain rules and regulations)
Views: 1553326 TEDx Talks
Saving for retirement means navigating a potential minefield of high fees and bad advice. Billy Eichner and Kristin Chenoweth share some tips. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Views: 9436004 LastWeekTonight
In this video, 25.01 – Statement of Cash Flows – Lesson 1, Roger Philipp, CPA, CGMA, is excited to present a brief conceptual overview of the statement of cash flows - an important topic that is heavily tested on the CPA Exam. Under U.S. GAAP, any company presenting results of operations in its financial statements must include a statement of cash flows. The statement of cash flows shows cash balance at the beginning of the year and cash balance at the end of the year, while also accounting for the changes between the beginning and ending balances. Cash flows derive from operating activities, investing activities, or financing activities, and the net amount from all these activities will equal the overall increase or decrease in cash balance from the beginning of the year to the end. Investing and financing activities are clearly defined by the FASB while operating activities is more of a catch-all category. Roger defines cash and cash equivalents while providing illustrative examples for the original maturity date to the purchaser rule for deciding whether an asset is a cash equivalent or an investment. Also, be forewarned – there are lots of journal entries that lie ahead! Website: https://www.rogercpareview.com Blog: https://www.rogercpareview.com/blog Facebook: https://www.facebook.com/RogerCPAReview Twitter: https://twitter.com/rogercpareview LinkedIn: https://www.linkedin.com/company/roger-cpa-review Are you accounting faculty looking for FREE CPA Exam resources in the classroom? Visit our Professor Resource Center: https://www.rogercpareview.com/professor-resource-center/ Video Transcript Sneak Peek: Welcome, welcome to a fun and exciting area called statement of cash flows. Cash flows, very heavily tested. Very important area, we are going to probably spend an hour, hour and a half on this right now. In different sections or different little video clips, but it's going to be a really important area. You need to understand this, heavily tested on the exam. Very important for real world, right? You are out there doing a job. This is stuff we're going to cover both for GAAP and then at the very end of the section under IFRS and the comparisons and differences. Alright, statement of cash flows. So we've got our statements. Whose statements are these? Management's, right? Management is responsible for the preparation for the content, and so on. A complete set of financial statements is a balance sheet, income statements, and statement of changes in stock holder's equity, statement of cash flows, other comprehensive income, and things like that. So a statement of cash flows is just this. It talks about how much cash did I have at the beginning of the year burning a hole in my pocket, how much cash do I have at the end of the year? We are looking at the difference between the beginning and the end and we are trying to see, what are the ch-ch-ch-changes in cash? So what it tells me is, how much cash do I have at the beginning, how much cash do I have at the end? The difference is the increase or decrease in cash. So let's say for example at the beginning of the year I had $100, at the end of the year I have $250. That means I've got $150 more cash burning a hole in my pocket. My job is to figure out, where did this cash come from? As we look at this we are going to see the cash could come from either operating activities or investing activities or financing activities. You are going to see this plus or minus this plus or minus this equals the net change. So what we are trying to do is say, “Hey, I've got $150 more money in my pocket, where did it come from?" Where did that money come from? That's the purpose of the statement of cash flows. So what we're going to have to do is understand, first of all, what is the definition of cash, because we are talking about the change of cash. The other thing is, we need to define what these activities are. The FASB very carefully defined investing and financing. If it's not investing or financing, what is? Boom, operating. Operating is like the catch-all. If you don't know where to put it, put it in operating. So that's what we're looking at as far as where the amounts are coming from. We've got operating, investing and financing. FASB carefully defines investing and financing. Everything else is what? Operating. So again, the key is the change. ♫Ch-ch-ch-changes, and face the strain ♫ who sang that song, many years ago? D-d-d-d-David Bowie. Ch-changes, there you go! Alright, looking at notes it says, "Statement of cash flows is required whenever a company presents their results of operations". So you provide an income statement you've got to have a statement of cash flows. The purpose is to provide in-flows and out-flows, sources and uses. What is the source of money coming in, what is the use of money going out? Where did the money come from, where is the money going to? That's our sources and uses.
Views: 25517 Roger CPA Review
VIDEO: Sales Motivational Video in Hindi by Vivek Bindra This video discusses in detail the basics, the intermediaries and nuances of selling. Mr.Vivek Bindra who has helped hundreds of corporates and thousands of sales men and individuals achieve their sales goals and target through his path breaking and game changing videos on selling skills and techniques. To Attend a 4 hour Power Packed “Extreme Motivation & Peak Performance” Seminar of BOUNCE BACK SERIES, Call at +919310144443 or Visit https://bouncebackseries.com/ To attend upcoming LEADERSHIP FUNNEL PROGRAM, Call at +919810544443 or Visit https://vivekbindra.com/upcoming-programs/leadership-funnel-by-vivek-bindra.php Watch the Leadership funnel Program Testimonial Video, here at https://youtu.be/xNUysc5b0uI Follow our Official Facebook Page at https://facebook.com/DailyMotivationByVivekBindra/ and get updates of recent happenings, events, seminars, blog articles and daily motivation. In this video he discusses at length, the FABing techniques, and its distinct advantages. He also tells his audience how Conviction and Communication are the 2 key levers in enhancing your sales. Leverage your competitive advantage. Mr. Vivek Bindra delivers high power sales trainings, sales seminars and sales related sessions in cities like Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Ahmedabad, Pune, Kanpur,Indore,Jaipur,Vadodara,Surat,Nagpur,Lucknow,Patna,Bhopal,Bhubaneswar, Bikaner, Bokaro Steel City, Chandigarh, Coimbatore, Cuttack, Dehradun, Dhanbad, Durgapur,Faridabad, Ghaziabad, Gurgaon, Guwahati, Gwalior,Hubli,Indore, Jabalpur, Jalandhar, Jamshedpur, Jhansi, Kanpur, Kochi, Kota, Kozhikode, Lucknow, Ludhiana, Madurai, Mangalore, Mysore, Nagpur, Noida, Pondicherry, Raipur, Rajkot, Ranchi, Rourkela, Surat, Thiruvananthapuram, Vadodara, Varanasi, Visakhapatnam. He is also the best Sales trainer in India, NCR, Andhra Pradesh, Arunachal Pradesh, Assam, Bihar, Chhattisgarh, Goa, Gujarat, Haryana, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Punjab, Rajasthan, Sikkim, Tamil Nadu, Telangana, Tripura, Uttar Pradesh, Uttarakhand, West Bengal. . He is widely known for his selling skills in Asia, South East Asia, Malaysia, Kualalumpur, Singapore, Thailand, Bangkok, Vietnam, Dubai, Abu Dhabi, Qatar, Maldives, Bhutan, Nepal, Thimpoo, Kathmandu, Burma, Rangoon and middle east for his sales improvement, sales and selling acumen improvement trainings, workshops and seminars. This is the best sales training video, sales motivational video, sales technique and selling technique video made ever that can and will impact your sales bottom-line. Contact Mr. Vivek Bindra for the most outstanding sales motivation workshops, sales training programs, sales symposiums and sales training. Individual sales man and salesmen can immensely benefit from this video. Mr. Bindra is an excellent facilitator for sales training for beginners. Mr. Bindra is a world class sales trainer in Hindi and English and a superb facilitator for sales training in Hindi and English. He is bestknown for sales and salesman problem solving issues. Mr. Bindra is widely recalled for his outstanding skills in sales integration trainings, workshops and seminars. He is also well known for Sales interview questions and answers. He delivers widespread trainings for sales skills in Hindi and English, sales skills fundamentals and others. He is called upon by many to conduct seminars on selling concepts ad sales concepts. Selling and sales fundamentals, sales and selling technique. He is also known for selling skills customer service training and selling skills presentation. Widely popular for selling techniques and strategies in hindi and English, Mr. Bindra is very famous for selling techniques in wholesale and retail. He is also known for his exceptional training on selling skills over the phone, direct and indirect sales and selling technique and skills, bestselling and sales techniques, and upselling plus cross selling skills, technique and trainings that work. Known for his training at selling at the point of service skills, Mr. Vivek Bindra has acquired critical acclaim for being the best sales coach in the country. Mr. Bindra has been known for his short selling strategy and selling option strategy technique training. He is also known for his put training strategy techniques. Mr. Bindra is a master sales strategist, sales strategy planner, channel sales strategy,b2b sales strategy and b2c sales strategy. He is renowned for his online selling and sales strategy techniques, sales marketing strategy and online sales and selling strategy. Ask Mr.Bindra for his sales motivational video in Hindi and english, sales motivational videos for success, sales motivational videos for success in hindi and english,sales motivational speech in hindi and English.
Views: 793989 Dr. Vivek Bindra: Motivational Speaker