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Relationship between bond prices and interest rates | Finance & Capital Markets | Khan Academy
 
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Why bond prices move inversely to changes in interest rate. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/treasury-bond-prices-and-yields?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/introduction-to-the-yield-curve?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Both corporations and governments can borrow money by selling bonds. This tutorial explains how this works and how bond prices relate to interest rates. In general, understanding this not only helps you with your own investing, but gives you a lens on the entire global economy. 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: 539541 Khan Academy
What is AMORTIZATION SCHEDULE? What does AMORTIZATION SCHEDULE mean? AMORTIZATION SCHEDULE meaning
 
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What is AMORTIZATION SCHEDULE? What does AMORTIZATION SCHEDULE mean? AMORTIZATION SCHEDULE meaning - AMORTIZATION SCHEDULE definition - AMORTIZATION SCHEDULE explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. An amortization schedule is a table detailing each periodic payment on an amortizing loan (typically a mortgage), as generated by an amortization calculator. Amortization refers to the process of paying off a debt (often from a loan or mortgage) over time through regular payments. A portion of each payment is for interest while the remaining amount is applied towards the principal balance. The percentage of interest versus principal in each payment is determined in an amortization schedule. The schedule differentiates the portion of payment that belongs to interest expense from the portion used to close the gap of a discount or premium from the principal after each payment. While a portion of every payment is applied towards both the interest and the principal balance of the loan, the exact amount applied to principal each time varies (with the remainder going to interest). An amortization schedule indicates the specific monetary amount put towards interest, as well as the specific amount put towards the principal balance, with each payment. Initially, a large portion of each payment is devoted to interest. As the loan matures, larger portions go towards paying down the principal. This amortization schedule is based on the following assumptions: First, it should be known that rounding errors occur and, depending on how the lender accumulates these errors, the blended payment (principal plus interest) may vary slightly some months to keep these errors from accumulating; or, the accumulated errors are adjusted for at the end of each year or at the final loan payment. There are a few crucial points worth noting when mortgaging a home with an amortized loan. First, there is substantial disparate allocation of the monthly payments toward the interest, especially during the first 18 years of a 30-year mortgage. In the example below, payment 1 allocates about 80-90% of the total payment towards interest and only $67.09 (or 10-20%) toward the Principal balance. The exact percentage allocated towards payment of the principal depends on the interest rate. Not until payment 257 or over two thirds through the term does the payment allocation towards principal and interest even out and subsequently tip the majority toward the former. For a fully amortizing loan, with a fixed (i.e., non-variable) interest rate, the payment remains the same throughout the term, regardless of principal balance owed. For example, the payment on the above scenario will remain $733.76 regardless of whether the outstanding (unpaid) principal balance is $100,000 or $50,000. Paying down more than the monthly contractual amount reduces the amount outstanding and thus the interest that is payable to the lender; if the contractual monthly payment stays the same, the number of payments and the term of the loan must decrease. Conversely, paying down less than the monthly contractual amount increases the amount outstanding and thus the interest payable (negative amortization); if the contractual monthly payment stays the same, the number of payments and the term of the loan must increase.
Views: 1030 The Audiopedia
Lotter winning u/s 194B, Winning from horse races u/s 194BB, Contractual payments u/s 194C
 
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BLOG.NGPAEDUCATION.COM offers VIDEO LECTUES / E-books from Neeraj Gupta Tax Classes Delhi. Call 9599222549 or email your query at [email protected] Address : NGPA, C-7/188, Sector 7, Rohini, Delhi - 110085. Website has demo lectures and links for making online payments. All tax updates are available at blog.ngpaeducation.com with complete list. Follow Neeraj Sir on twitter for latest updates www.twitter.com/neerajguptatax. Video Classes available for CA, CS, CMA, CFA, M Com, B Com, MBA & BBA students. Office numbers : 9811651641, 98110139214, 9810398903, 011-27043600. For details of other subject videos visit www.ngpaeducation.com. Please Subscribe the channel for future updates. Drop your queries & response in comment box below. This video contains : Tags Income tax tutorial india, income tax, income tax lectures, income tax lectures in hindi, income tax lectures in English, income tax lectures ipcc, cs executive lectures, cs executive tax laws, cs lectures, cs lecture in hindi, ca final lectures, ca final, ca ipcc, ca ipcc taxation lectures, ca ipcc taxation lectures ay 16-17, ca ipcc taxation lectures for may 2016, ca ipcc taxation lectures in English, ca ipcc tax, ca ipcc tax lectures, cs professional lectures, cs professional tax lectures, cs professional classes, cs professional online classes, cs professional notes, ca final lectures, ca final may 2015, ca final classes, ca final tax lectures, ca final direct tax lectures, ca final direct tax, ca final indirect tax lectures, ca final indirect tax lectures, ca final indirect tax, ipcc income tax, ipcc indirect tax lectures, ipcc indirect tax lectures may 2015, cma lectures, cma classes, cma online classes, cma final classes, cma inter lectures, cma intermediate classes, cma intermediate lecture, cma inter online class CA IPCC TAX, CA IPCC TAXATION VIDEOS, BEST CA VIDEO CLASSES, BEST TAXATION CLASSES, BEST TAX VIDEOS, NEERAJ GUPTA TAX CLASSES, NEERAJ GUPTA , WWW.NGPAEDUCATION.COM, BLOG.NGPAEDUCATION.COM, CA, TAXATION, IPCC, M K GUPTA, DILIP BADLANI, DILIP BADLANI CLASSES, CA-CPT, CA-IPCC, CA-FINAL, CS-EXECUTIVE, CS-PROFESSIONAL, CMA-INTERMEDIATE, CMA-FINAL, BEST ONLINE CLASS OF INDIRECT TAX FOR CA-IPCC, CA-IPCC TAXATION CLASSES BY NEERAJ GUPTA, BEST ONLINE CLASS FOR INCOME TAX, MOST POPULAR VIDEO FOR CA-IPCC, AMENDMENT CLASS FOR CA IPCC MAY 2016, CA IPCC DIRECT TAX CLASSES BY NEERAJ GUPTA, BEST VIDEO CLASSES FOR INCOME TAX, CS, CMA, CPT, IPCC, TAX AMENDMENTS, AMENDMENTS MADE BY FINANCE ACT 2015, CA COACHING, CA CLASSES, CA CLASSES DELHI, CA COACHING INDIA, SUPER PROFS, CCI, CA CLUB INDIA, TAXATION, BASICS TAXATION LECTURES, TAXATION PGBP, TAXATION SERVICE TAXATION, CENVAT TAXATION, CAPITAL GAINS, TAXATION, INCOME FROM SALARY, CA IPCC TAXATION LECTURES, CA IPCC TAXATION LECTURES, PGBP CA IPCC TAXATION LECTURES, SALARIES CA IPCC TAXATION LECTURES, CAPITAL GAINS, CA IPCC TAXATION CLASSES, CA IPCC TIPS, CA IPCC TAX CLASS, IPCC TAX CLASSES, IPCC CLASSES, CA INTER TAX CLASSES, TAX COACHING CLASSES, TAX CLASSES FOR IPCC 2016, TAX CLASSES FOR CS EXECUTIVE, TAX CLASSES FOR IPCC MAY 2016, TAX CLASSES FOR IPCC MAY 2016, BEST TAX COACHING, TAX COACHING, CS EXECUTIVE LECTURES, CS EXECUTIVE, LECTURES NEW SYLLABUS, CS EXECUTIVE LECTUES, INCOME TAX, CMA INTER LECTURES, CMA CLASSES, CMA INTER CLASSES
Views: 962 NEERAJ GUPTA
TDS on Payment to Contractors 2018
 
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Sec 194C : TDS ON PAYMENTS TO CONTRACTORS :2018 By Return Filing Team Partner with TCAINDIA http://linkshrink.net/7K62H6 http://linkshrink.net/7fVsw6 http://linkshrink.net/7mmfQH http://linkshrink.net/7mJqxf http://linkshrink.net/7ppzn4 click here for download Practical View Who is responsible? Rate of TDS? Practical TDS Computation Sheet-Excel format Cases – Judgments(HC/SC), Circulars etc. 26Q TDS Certificate ?..16A Interest & Penalty under TDS GST invoice –TDS ? Practical MonthlY Practical Calculation Excel sheet Case/Problems TDS at a Lower Rate According to Section 194C where the AO is satisfied that the total income of contractor or sub-contractor justifies the deduction of income-tax at any lower rate or non deduction of income-tax, as the case may be, the AO shall, on application made by the contractor or sub-contractor in this behalf give to him such certificate as may be appropriate.  Whether Individuals and HUF are laible to deduct tax if the payment  made to a contractor is for personal use?  Section 194C(4) provides that no individual or a Hindu undivided family shall be liable to deduct income-tax on the sum credited or paid to the account of the contractor where such sum is credited or paid exclusively for personal purposes of such individual or any member of Hindu undivided family. Whether contract for supply of labour shall attract TDS u/s 194C? Yes, payment made to Calcutta Dock Labour Board for supply of labor for assessee’s business, attracted TDS provisions of section 1 94C Dy. CIT v. Kamal Mukherjee & Co. (Shipping) (P.) Ltd. [2012] 51 SOT 73 (ITAT- Kol.), or Associated Cement Co. Ltd. v. CIT (1979) 120 ITR 444 (Pat). Due Date for deposit TDS? Due date is 7th of the following (Next) months. But in case of march due date is 30th April. E.g – Time-Limit for Issue of TDS Certificate 26AS The employee who wishes to know the details of deduction by his employer can access Form 26 AS  Sec. 201(1) Consequences on failure to deduct or pay TDS Sec. 201(1) provides that the deductor who fails to deduct the whole or any part of the tax on the amount credited or payment made to a resident deductee or does not deposited the whole or any part of the tax after deducting the same, shall deemed to be an assessee in default in respect of such tax. However if the deductor shall not be consider as assessee in default if the resident deductee fulfill the following conditions:- Has furnish his return of income u/s 139; Has taken into account such sum of computing income in such return of income; and Has paid the tax due on the income declared by him in such a return of income And the deductor furnishes a certificate to this effect from an accountant in such a way as may be prescribed Sec. 201(1A): Interest on Failure to deduct or pay TDS Sec. 271C: Penalty on Failure to deduct or pay TDS Fees and Penalty on default in furnishing TDS statement –Sec 234E & Sec 271H
Views: 6545 Return Filing
What is BALLOON PAYMENT MORTGAGE? What does BALLOON PAYMENT MORTGAGE mean?
 
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What is BALLOON PAYMENT MORTGAGE? What does BALLOON PAYMENT MORTGAGE mean? PAYMENT MORTGAGE meaning - PAYMENT MORTGAGE definition - PAYMENT MORTGAGE explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. A balloon payment mortgage is a mortgage which does not fully amortize over the term of the note, thus leaving a balance due at maturity. The final payment is called a balloon payment because of its large size. Balloon payment mortgages are more common in commercial real estate than in residential real estate. A balloon payment mortgage may have a fixed or a floating interest rate. The most common way of describing a balloon loan uses the terminology X due in Y, where X is the number of years over which the loan is amortized, and Y is the year in which the principal balance is due. An example of a balloon payment mortgage is the 7-year Fannie Mae Balloon, which features monthly payments based on a 30-year amortization. In the United States, the amount of the balloon payment must be stated in the contract if Truth-in-Lending provisions apply to the loan. Because borrowers may not have the resources to make the balloon payment at the end of the loan term, a "two-step" mortgage plan may be used with balloon payment mortgages. Under the two-step plan, sometimes referred to as "reset option", the mortgage note "resets" using current market rates and using a fully amortizing payment schedule. This option is not necessarily automatic, and may only be available if the borrower is still the owner/occupant, has no 30-day late payments in the preceding 12 months, and has no other liens against the property. For balloon payment mortgages without a reset option or where the reset option is not available, the expectation is that either the borrower will have sold the property or refinanced the loan by the end of the loan term. This may mean that there is a refinancing risk. Adjustable rate mortgages are sometimes confused with balloon payment mortgages. The distinction is that a balloon payment may require refinancing or repayment at the end of the period; some adjustable rate mortgages do not need to be refinanced, and the interest rate is automatically adjusted at the end of the applicable period. Some countries do not allow balloon payment mortgages for residential housing: the lender must continue the loan (the reset option is required). To the borrower, therefore, there is no risk that the lender will refuse to refinance or continue the loan. A related piece of jargon is bullet payment. With a bullet loan, a bullet payment is paid back when the loan comes to its contractual maturity—e.g., reaches the deadline set to repayment at the time the loan was granted—representing the full loan amount (also called principal). Periodic interest payments are generally made throughout the life of the loan.
Views: 3252 The Audiopedia
Aress Software - Refuses to Refund Customer for Incomplete Contract
 
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Aress Software and Education Technologies has received payment for Mobile APP contractual work and refuses to refund customer for the over payment received & refuses to refund advanced payments of incomplete work based on the agreed contractual project plan.
Finance/Sales-Type Lease--Carmichael Lessor (New FASB Rules) Intermediate Accounting | CPA Exam FAR
 
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Like us on Facebook: https://www.facebook.com/accountinglectures Visit the website where you can search using a specific term: https://www.farhatlectures.com/ Connect with LinkedIn: https://www.linkedin.com/in/mansour-farhat-cpa-cia-cfe-macc-2453423a/ A lease is a contractual agreement between a lessor and a lessee that gives the lessee the right to use specific property, owned by the lessor, for a specified period of time. In return for this right, the lessee agrees to make rental payments over the lease term to the lessor. 3. The lessors that own property include banks, captive leasing companies, and independents. Advantages of Leasing 4. In discussing the advantages of leasing arrangements, advocates point out that leasing allows for: (a) 100% financing at fixed rates, (b) protection against obsolescence, (c) flexibility, (d) less costly financing, (e) tax advantages, and (f) off-balance-sheet financing. 5. A variety of opinions exist regarding the manner in which certain long-term lease arrange¬ments should be accounted for. These opinions range from total capitalization of all long-term leases to the belief that leases represent executory contracts that should not be capitalized. The FASB requires capitalization of lease arrangements that are similar to installment purchases. In short, lease arrangements that transfer substantially all of the risks and rewards of ownership of property should be capitalized by the lessee. Lessee Accounting - Capitalization Criteria 6. (L.O. 2) For accounting purposes of the lessee, all leases may be classified as operating leases or capital leases. For a lease to be recorded as a capital lease, the lease must be noncancelable and meet one of the following four criteria: a. The lease transfers ownership of the property to the lessee at the end of the lease. b. The lease contains a bargain-purchase option. c. The lease term is equal to 75% or more of the estimated economic life of the leased property. d. The present value of the minimum lease payments (excluding executory costs) equals or exceeds 90% of the fair value of the leased property. If the lease meets none of the four criteria, the lease should be classified and accounted for as an operating lease. 7. A bargain purchase option is a provision allowing the lessee to purchase the leased property for a price that is significantly lower than the property’s expected fair value at the date the purchase option becomes exercisable. The 75% of economic life test is based on the belief that when a lease period equals or exceeds 75% of the asset’s economic life, the risks and rewards of ownership are transferred to the lessee and capitalization is appropriate. The reason for the recovery of investment test (90%) is that if the present value of the minimum lease payments are reasonably close to the market price of the asset, the asset is effectively being purchased. A major exception to the 75% and 90% rules is when the inception of the lease occurs during the last 25% of the asset’s life. When this occurs the 75% and 90% tests should not be used. Capital Leases for Lessees 8. Under the capital lease method, the lessee treats the lease transaction as if an asset is being purchased over time (installment basis). For a capital lease, the lessee records an asset and a liability at the lower of (a) the present value of the minimum lease payments during the term of the lease or (b) the fair value of the leased asset at the inception of the lease. In determining the present value of the minimum lease payments, three important concepts are involved: (a) minimum lease payments, (b) executory costs, and (c) the discount rate. 9. Minimum lease payments include (a) minimum rental payments, (b) any guaranteed residual value, (c) penalty for failure to renew or extend the lease, and (d) any bargain- purchase option. Minimum rental payments are the minimum payments the lessee is obligated to make to the lessor under the lease agreement. A residual value is the estimated fair value of the leased property at the end of the lease term. The guaranteed residual value is (a) the certain or determinable amount at which the lessor has the right to require the lessee to purchase the asset, or (b) the amount the lessee or the third-party guarantor guarantees the lessor will realize. This allows the lessor to transfer the risk of loss in the fair value of the asset to the lessee. 10. If the lessee guarantees the residual value, the present value of this residual value should be reported as part of the lease liability. If a bargain purchase option exists instead of a guaranteed residual value, the lessee should increase the present value of the minimum lease payments by the present value of the option price. In both the guaranteed residual value and the bargain purchase option cases, the lessee is committed to making these payments, and therefore the payments should be reported as an increase to the lease
Up to 500 Days Interest Free with ZipMoney at Musos Corner
 
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Up to 500 Days Interest Free with ZipMoney at Musos Corner *Available to approved applicants only and to in stock Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged interest at the contractual rate, currently 23.9% p.a. for new approved applicants. A one off establishment fee applies for new approved applicants. A monthly account service fee of $6 (when balance owing) will apply. See your contract for details. Terms & Conditions apply and are available on application. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878). Visit www.zipmoney.com.au to learn more. https://www.musoscorner.com.au
Views: 17 Musos Corner
What Is The Difference Between The Coupon Rate And The Current Rate Of Interest?
 
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What is the difference between a bond's coupon rate and yield to fixed bond wikipedia. Differences between real and nominal rates q what is the difference a bond's coupon rate yield to maturity? A tells you annual amount of interest paid by fixed another measure that sometimes can be referenced current yield, which in finance, bond type debt instrument with (interest) rate, 1 floating bonds; 2 do they provide better returns? 3 early clean price convexity credit spread dirty duration i mortgage bought at par means equals. Googleusercontent search. Mar 17, 2017 the difference between coupon and yield to maturity interest rates have gone up in 2027 new treasury bonds are being issued with apr 15, 2014 terms reflect current market pricing, not quality, a bond will trade at premium when it offers (interest) rate that is higher sep 28, 2013. May 18, 2015 the coupon rate of a bond is interest it pays annually, which generally fixed at issuance and expressed as percentage bond's par, or face value. What's the difference between premium bonds and discount bonds? . Relationship between bond price & yield to maturity budgeting yields nominal and current yield, (ytm) with money banking chp 3 flashcards 4 distinguish a bonds coupon rate realized. Asp url? Q webcache. Relationship between bond prices and interest rates (video) boundless finance lumen learning. Yield to maturity the balance. Wall street oasis coupon rate and current yield mindxpansion. A bond with a face value and 5. Because the coupon rate takes into account present value adjusted yield what is difference between nominal interest on a loan and real distinguish bond's rate, to maturity, realized yield, explain why investors in bonds are subject risk it. Coupon interest rate affect its price? . F face value, if contractual interest rate, c f coupon payment (periodic bond price formula is the present value of payments and par at maturity. A bond bought at a premium means the coupon rate is higher than existing investment return of difference between what an investor pays for nominal yield, or rate, stated interest. Coupon rate e difference between 'interest rate' and 'coupon yield & coupon vs. Interest rate is the 3) ytm equates present value of future cash flows bond with its re what's difference between 'interest rate' and 'coupon jul 9, 2017 conversely, coupon a amount interest paid till maturity, face current price feb 4, 2012 2) (yield to maturity) by which all ok, i know relationship yields, prices coupons, but yield represents true fixed income security, such as or note this just way describing dollars for example, $100 that pays 10. Coupon interest rate affect its price? How does a bond's coupon do rates rate? What is the difference between and yield to. What is the difference b
Views: 310 Hadassah Hartman
What are the types of loan that contract workers can avail? - Property Hotline
 
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Expert: Harsh Roongta, Chartered Accountant and a SEBI registered Investment Advisor Question: What are the types of loan that contract workers can avail? They don't get the facilities that are available for salaried employees. They get less payment and loans with low EMIs are not available. Answer: If there is a track record of receiving payments regularly then the lenders will consider the borrower as a self-employed person and lend accordingly. If the cash flows have been regular over a longish period of time then the interest rates can be as competitive as a salaried person. Otherwise, it might be a little higher- say by 0.25% to 0.50%. Link: http://www.mbnow.in/property/videos/advice/what-are-types-loan-contract-workers-can-avail/31123 Be Un - Confused : http://www.mbnow.in/property
Views: 257 Mirror Now
Tim Akinnusi - Interest Rates
 
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In the event that interest rates go up, there are two ways in which it can impact on your monthly repayments. If it is just 50 basis points up or 100 basis points up that would be proportional to the increase that you would expect on your monthly repayments. The other factor that would go into that is the size of the repayment. So obviously the size of the repayment coupled with the particular rate hike would determine what your additional contractual payment would be. It is always advisable to make sure that you have some level of contingency between 10% and 15% handy, just in case you have multiple rate hikes over a short period of time. The other route to go is to actually fix your rate so you mitigate against the risk of multiple rate hikes. But you will be paying a premium for the privilege to fix that rate to ensure that your payments are not affected on a monthly basis. So for example if your rate was at 10% and your monthly re-payments were at R5 000, the impact of a 50 basis points increase to 10.5 would mean you could pay in an additional R500 on top of your monthly R5 000 commitment. That would be bringing your total instalments up to R5 500. Another good piece of advice is to pay a little bit more over and above your monthly required instalment, say between 10% and 15%. What that does is it allows you the flexibility to not worry about multiple rate hikes up to a particular point. You also get the benefit of being able to suppress the interest charges on the capital owing on the place. Those funds will also always be available to you, so are never lost to you. The surplus funds will always be available for you to draw against at a later stage.
Views: 533 Private Property
Leasing - Determining the lease term
 
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Learn more at PwC.com - https://pwc.to/2JBu7d4 Upon adoption of the new leases standard, companies will bring virtually all leases onto the balance sheet. The lease term is one of the key inputs that can impact the classification and measurement of a lease. Identifying the lease term may not always be as simple as it seems, and getting this wrong could have a significant impact on a company’s accounting under the new leases guidance. Key considerations for determining the term of a lease and the relationship between the lease term and the short term lease exception that is available for lessees. *Transcript text has been reduced for space restrictions. Watch the full video for the complete information. To determine the lease term, first, start with the non-cancelable period of the lease. Then, add any renewal option periods for renewals the lessee is reasonably certain of exercising. Third, add any periods covered by a termination option if the lessee is reasonably certain it will NOT exercise that option. Fourth add any periods from an option to extend (or not terminate) the lease that are controlled by the lessor. The sum of these four items equals the lease term. You may have noticed that the treatment of renewal and termination options depends on whether the lessee is reasonably certain to exercise the option. So that begs the question, what exactly does "reasonably certain" mean? The good news is that the concept of “reasonably certain” in the new leases guidance is the same as “reasonably assured” in the current guidance. The determination of whether exercise of an option is reasonably certain is based on factors at the lease commencement date that would create an economic incentive for the lessee either to exercise or to not exercise the option. Examples of factors that could create economic incentives include: - the pricing of a lease renewal option below market rates -significant leasehold improvements that would be impaired if the term was not extended -lease termination or relocation costs that would be avoided by extending the lease; and -the importance of the leased asset to the lessee’s operations in avoiding any business interruption. Evaluating renewal and termination options requires judgment, but it is a key step in determining the lease term. This judgment is critically important to assessing lease classification and measurement. The lease term also determines whether a lease qualifies for the short term lease exception, which could provide relief to lessees upon adoption of the new standard. The new leases guidance provides a short term lease exception in which lessees may elect to NOT apply the new recognition guidance for short term leases. This election should be made by class of underlying asset, so, foe, leases of office space or leases of office equipment. If a lessee chooses to elect the short term lease exception, it would NOT recognize a right of use asset or lease liability on its balance sheet and instead would recognize the lease payments as an expense on a straight-line basis over the lease term, consistent with the current leases guidance. Exactly what qualifies as a “short term lease”? As defined in the new guidance, a short term lease is a lease that, at the commencement date, has a lease term of 12 months or less and does NOT include an option to purchase the underlying asset that the lessee is reasonably certain to exercise. The evaluation of whether a lease qualifies as short term is based on the contractual lease term at the commencement date. This evaluation is NOT based on the remaining lease term at the time a lessee adopts the new leases guidance. The second point to highlight is that to qualify for this exception, the lease term must be 12 months or less. We believe that this definition should be applied strictly and should consider the impacts of renewal and termination options. In summary, it’s critical to understand and evaluate all provisions in each lease agreement. Small changes can impact if a lease qualifies as a short term lease, which may affect a lessee’s accounting for the arrangement. As companies prepare to apply the new guidance to their lease portfolios, they will be making many judgments that will impact the classification and measurement of right of use assets and lease liabilities. Determining the lease term, and identifying leases that qualify for the short term lease exception, are just a couple of these judgments. For more information, please refer to the Leases page on CFOdirect.com
Views: 6791 PwC US
DNA: Analysis of salary hike of central govt employees
 
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Watch this special segment and get to know about the greed of central govt employees after a hike in their salary. Zee News always stay ahead in bringing current affairs from all the valley of National interest, Politics, Entertainment, Sports and International happenings. We take you to the depth of every matter by providing every small detail and makes you familiar with all the happening around you. Zee News is the highly popular Hindi News channel of India’s largest television network ZMCL. The channel, which has a huge following in India and abroad, has won several prestigious national and international awards. Among its popular programs are - Dr. Subhash Chandra Show: https://goo.gl/fCugXC Daily News and Analysis: https://goo.gl/B8eVsD Manthan: https://goo.gl/6q0wUN Fast n Facts: https://goo.gl/kW2MYV Your daily dose of entertainment: https://goo.gl/ZNEfhw Sports roundup: https://goo.gl/KeeYjf Aapke Sitare: https://goo.gl/X56YSa Bharat Bhagya Vidhata: https://goo.gl/QqJiOV Taal Thok Ke : https://goo.gl/yiV6e7 Subscribe to our channel at https://goo.gl/qKzmWg Check out our website: http://www.zeenews.com Connect with us at our social media handles: Facebook: https://www.facebook.com/ZeeNews Twitter: https://twitter.com/ZeeNews Google Plus: https://plus.google.com/+Zeenews
Views: 897138 Zee News
What is GROWTH CAPITAL? What does GROWTH CAPITAL mean? GROWTH CAPITAL meaning & explanation
 
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What is GROWTH CAPITAL? What does GROWTH CAPITAL mean? GROWTH CAPITAL meaning - GROWTH CAPITAL definition - GROWTH CAPITAL explanation. SUBSCRIBE to our Google Earth flights channel - https://www.youtube.com/channel/UC6UuCPh7GrXznZi0Hz2YQnQ Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Growth capital (also called expansion capital and growth equity) is a type of private equity investment, usually a minority investment, in relatively mature companies that are looking for capital to expand or restructure operations, enter new markets or finance a significant acquisition without a change of control of the business. Companies that seek growth capital will often do so in order to finance a transformational event in their lifecycle. These companies are likely to be more mature than venture capital funded companies, able to generate revenue and profit but unable to generate sufficient cash to fund major expansions, acquisitions or other investments. Because of this lack of scale these companies generally can find few alternative conduits to secure capital for growth, so access to growth equity can be critical to pursue necessary facility expansion, sales and marketing initiatives, equipment purchases, and new product development. Growth capital can also be used to effect a restructuring of a company's balance sheet, particularly to reduce the amount of leverage (or debt) the company has on its balance sheet. Growth capital is often structured as preferred equity, although certain investors will use various hybrid securities that include a contractual return (i.e., interest payments) in addition to an ownership interest in the company. Often, companies that seek growth capital investments are not good candidates to borrow additional debt, either because of the stability of the company's earnings or because of its existing debt levels. Growth capital resides at the intersection of private equity and venture capital and as such growth capital is provided by a variety of sources. The types of investors that provide growth capital to companies span a variety of both equity and debt sources, including private equity and late-stage venture capital funds, family offices, sovereign wealth funds, hedge funds, Business Development Companies (BDC), and mezzanine funds. Growth capital investments are also made by more traditional buyout firms. Particularly in markets where debt is less available to finance leveraged buyouts or where competition to fund startup businesses is intense, growth capital becomes an attractive alternative. Growth equity investments, as defined by the National Venture Capital Association, feature the following: 1. Company’s revenues are growing rapidly. 2. Company is cash flow positive, profitable or approaching profitability. 3. Company may be founder-owned and often has no prior institutional investment. 4. Investor is agnostic about control and purchases minority ownership positions more often than not. 5. Industry investment mix is similar to that of venture capital investors. 6. Capital is used for company needs or shareholder liquidity and additional financing rounds are not usually expected until exit. 7. Investments are unlevered or use light leverage at purchase. 8. Investment returns are primarily a function of growth, not leverage.
Views: 235 The Audiopedia
Debt Free what is front loading
 
10:49
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Should I pay my under water mortgage? Should I Strategic Default? Reduce Principal? Short Sale?
 
05:45
http://lasvegasrealestate-stevehawks.com/ 702.458.3999. Ask the expert. The number 1 Las Vegas Real Estate question. Should I make my house payment? Should I still pay my under water mortgage? Should I Strategic Default? Steve Hawks the top homeowner advocate in Nevada has helped thousands of Las Vegas and Henderson Nevada home owners find the right program and solution to their personal housing crisis. Each situation is unique and there are many different organizations and government entities that are out there to help. Unfortunately there are many foreclosure rescue scams too. You could be eligible for many of these programs that reduce principal, short sale and give you cash back and receive a full deficiency waiver. A sample of just a few of these programs are National Mortgage Settlement , Nevada Foreclosure meditation program, Nevada hardest hit funds program, HARP 2.0 and many other programs. Call Steve Hawks today he will deal with the bank for you. Steve will guide you through the process and answer all your questions. 702.458.3999. Find out the results of Nevada Face of Foreclosure Report. Find out what Suze Orman flat out told people on ABC World News report that are under water and the bank won't help. Find out how you can get your mortgage principal reduced. Find out how you can short sale your home and receive up to 30,000 dollars cash at closing. Find out how to get on the road to recovery. Do not stress about your mortgage any longer call Steve Hawks the top homeowner advocate in Nevada. If you need a short sale specialist for your Las Vegas or Henderson Real Estate questions ask the expert Steve Hawks Steve Hawks B.S. Finance Real Estate & Law Las Vegas short sale agent / Underwater mortgage/ full short sale deficiency waiver Las Vegas Realtor Short sale specialist / strategic default / Nevada Face of Foreclosure Report Reduce my mortgage principal http://www.shortsaleczar.com http://abcnews.go.com/WNT/video/homes-time-buy-sell-walk-14576520 http://mediaroom.bankofamerica.com/phoenix.zhtml?c=234503&p=irol-newsarticle&ID=1692738 from Bank America Website CALABASAS, Calif., May 08, 2012 (BUSINESS WIRE) --Bank of America Home Loans has begun reaching out to customers who may be eligible for forgiveness of a portion of the principal balance on their mortgage under terms of a recent settlement among five major banks, 49 state attorneys general and the federal government. To be eligible for this program, a homeowner must meet certain criteria, including: •Owes more on the mortgage than the property is worth today. •Was at least 60 days behind on payments on January 31, 2012. •Has a contractual monthly payment for principal, interest, property taxes, hazard insurance and any applicable homeowner association fees totaling more than 25 percent of gross household income. •Has a loan that is owned and serviced by Bank of America, or serviced for another investor that has given the bank delegated authority to do such modifications. Under Nevada law, the State of Nevada Foreclosure Mediation Program (FMP) is open to homeowners of owner-occupied houses who receive a foreclosure notice, formally titled Notice of Default (or Breach) and Election to Sell. Homeowners of owner-occupied houses have 30 days after being served with a foreclosure notice to elect to participate in mediation.
Views: 22737 Steve Hawks
Debt Free How do you use the mortgage coupon
 
12:13
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Stop Paying Your Mortgage CEPersVid-55
 
01:33
Pay cutback causes first employee to have problem in paying mortgage. Second employee, also getting pay cutback, has no problem. Working out the moral problem of not honoring one's contractual obligations. http://howtogetridofyourunwanteddebt.com
Views: 815 carlpers2
Debt Management Plan UK
 
02:08
Debt Management Plan UK, Other things to consider with DMPs Visit Our Website: http://ukdebtassistance.com Call Us: 0161 208 0082 Email Us: [email protected] Your creditors don’t have to agree to the reduced payment offering in a DMP, but even if they don’t we’ll still send them your payments, as they legally have to accept them as repayment on your debt. Until your DMP is set up your creditors won't receive payments from us on your behalf. You need to be aware that if creditors continue to add interest and charges, this could increase the total amount you currently owe. As you’ll be making lower, more affordable payments it'll take longer to repay your debts on a DMP than if you were to continue to make your contractual payments. Find out more about DMPs Is a DMP suitable for me? A DMP may be suitable if you have some surplus money available each month once you have met your priority costs such as food, accommodation and utility bills. We’ll work with you to establish a budget that meets your household’s needs. Any money left over will go to your creditors. How does a debt management plan work? What should I do if I've fallen behind with my household bills? Why shouldn't you have to pay for a DMP? Want to switch your DMP to us?
Views: 244 Denial Lan
Pay off mortgage Letty John Schepcoff
 
03:08
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Tds on interest other than securities Section 194A concept in hindi //tds on interest
 
10:53
welcome back friends...♥☺☺☺ Iss video me tds on interest other than securities ke baare me achche se bataya gya h Jo cover krta h Section 194A ko. I hope you like this video.... for more other videos.... Download gst certificate https://youtu.be/eWQfpDvf_kg GSTR-1 Nil return filing https://youtu.be/pX5AG60h7aM GSTR-3B return filing july https://youtu.be/wlkonYpwZP0 #1 TDS concept under gst https://youtu.be/LK9mta3essc #2 E-way bill generate 4 tally https://youtu.be/s46bf2QWc-4 #1 E-way bill in tally https://youtu.be/6C5m7mWFf98 Custom List https://youtu.be/kVnpqN8w2AU Advance Macro Part-1 https://youtu.be/FaOnB7cf6k4 Format coding Part-2 https://youtu.be/Gwshpa48nsk Format coding Part-1 https://youtu.be/5U1QOX4FD5M Format cell @,# function use Part-1 https://youtu.be/eq6DHUGcxrM Format cell @, # function use Part-2 https://youtu.be/e24OoM3XrM0 Purchase order https://youtu.be/wSJ8OkSnx4Q Receipt note and rejection out https://youtu.be/hy3pOKr_m9E Purchase invoice and Debit note https://youtu.be/WpylAX1RpMo Sale order https://youtu.be/HQ9qEAAZZ1M Delivery Note & Rejection inward note https://youtu.be/5cbf8iOO-I0 Sale invoice and Credit note https://youtu.be/R6e97Ap0eTg Batch, Manufacturing Date and Expire date https://youtu.be/Be9CIfWUe0w Price list with Trade discount https://youtu.be/6PIyWFZ1o4U Trade discount https://youtu.be/xB1w8Uxes-s Actual and Bill Quantity https://youtu.be/OL_1M6Vmj7g Credit limit https://youtu.be/Gs_xfq3UzEI Appropriation of expenses with inventory https://youtu.be/NqKzSQKwXx4 Standard Rate https://youtu.be/HNwQmrCaUPY Automatic calculation in payment voucher (Part-1) https://youtu.be/l6N9dK02VCY Automatic calculation in payment voucher (Part-2) https://youtu.be/uKZRwTiOZB4 Name of Class Automatic calculation in payment voucher (Part-3) https://youtu.be/qo1PKxlDt4g Gst automatic calculation in sales invoice https://youtu.be/NkUsZhyJeno E-way bill Part-2 https://youtu.be/vKtEsqzEblE POS(point of sale) automatic setting in sale invoice https://youtu.be/ZCyEWSJrBiU Gst Automatic calculation in sale invoice https://youtu.be/NkUsZhyJeno Cash Discount automatic calculation https://youtu.be/YzG75qLtw_A Children education welfare auto. calculation https://youtu.be/ppfeHmnxT0Y Interest calculation Part-1 https://youtu.be/ifO8LS_SNIU Interest calculation Part-2 https://youtu.be/x3_84bQdKX0 Advance interest calculation Part-3 https://youtu.be/r-DWGufr2TU Memorandum Voucher entry https://youtu.be/eBHBW8uOENY Optional Voucher https://youtu.be/8PUgqkhqqUo Reversing Journal and Scenario https://youtu.be/E9mkP3TZ7L0 Account confirmation https://youtu.be/fADUIIDa3Po Import and Export Ledger and items https://youtu.be/9DLZ-y0lFUo Import and export daybook https://youtu.be/fY9SG18sWRI GST Lecture 1.Compostion dealer and unregistered dealer https://youtu.be/IiUVf9I6Qcw 2. ISD (Input Service Distribution) https://youtu.be/2A-mnOm5seY 3. Reverse charge maintain bill lecture-2 https://youtu.be/DG1bu_5MrvU 4. Reverse charge maintain bill lecture-1 https://youtu.be/3Um8-L4NNCs 5. Import Goods & Services https://youtu.be/GIrTNoeqmuY 6. Advance receipt bill maintain https://youtu.be/O5USn-6LCNw 7. GSTR-1 Full explain https://youtu.be/B7Trqh4pUOk 8. Multiple Tax Rate in the invoice https://youtu.be/BnWKJ14QrmY 9. Job work lecture-1 https://youtu.be/3Bk_bVCQesM 10. Job work lecture-2 https://youtu.be/Jqhk3n6q0BI 11. Purchase from COmposition dealer https://youtu.be/o7B-kRt734o .......Thanks for watching☺☺☺♥
Views: 292 Tally Methodist
FRM: Promised Return on a Loan
 
05:09
The contractually promised return (k) is a function of loan features. The numerator is simply promised bank receipts: origination fee (f) plus base lending rate (BR; e.g., LIBOR or something approximating cost of capital) plus margin (m; includes credit risk premium). The denominator includes the compensating balance (b, the portion of loan held on deposit at the bank. As the borrower does not access this portion, it increases the borrower's cost and is an additional source of return to the bank) and the reserve requirement (RR, the Fed requires the bank to hold reserves against the compensating balance. Notice its effect is exactly analogous to the compensating balance). For more financial risk videos, visit our website! http://www.bionicturtle.com
Views: 5867 Bionic Turtle
Debt Free Your mortgage has been securitized
 
11:40
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Purchase Price in M&A Deals: Equity Value or Enterprise Value?
 
15:29
In this tutorial, you’ll learn why the real price paid by a buyer to acquire a seller in an M&A deal is neither the Purchase Equity Value nor the Purchase Enterprise Value… exactly. http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Table of Contents: 4:29: Problem #1: The Treatment of Debt 8:03: Problem #2: The Treatment of Cash 11:45: Recap and Summary Common questions: “In an M&A deal, does the buyer pay the Equity Value or the Enterprise Value to acquire the seller?” “What does it mean in press releases when they say the purchase consideration ‘includes the assumption of debt’? Does that mean the price is the Enterprise Value?” The Basic Definitions Equity Value: Value of ALL the company’s assets, but only to common equity investors (shareholders). Enterprise Value: Value of ONLY the core business operations, but to ALL investors (equity, debt, etc.). So when you calculate Enterprise Value, starting with Equity Value… Add Items When: They represent other investors (Debt investors, Preferred Stock investors, etc.) or long-term funding sources (Capital Leases, Unfunded Pensions) Subtract Items When: They are not related to the company’s core business operations (side activities, cash or excess cash, investments, real estate, etc.) The Confusion The problem is that many sources say Enterprise Value is what it “really costs to acquire a company.” But that’s not exactly true – yes, sometimes Enterprise Value is closer, but it depends on the deal terms and the items in Enterprise Value. We know, WITH CERTAINTY, that if you acquire 100% of a company, you must pay for 100% of its common shares. So the Purchase Equity Value is sort of a “floor” for the purchase price in an M&A deal. But should you really add the seller’s Debt, Preferred Stock, and other funding sources, and subtract 100% of the seller’s cash balance to determine the “real price”? There are many problems with that approach, but we’ll look at two of them here: PROBLEM #1: Does Debt really increase the purchase price? It depends, because debt can be either “assumed” (kept) or “refinanced” (replaced with new debt or paid off). Debt is Assumed: Does not increase the amount the buyer “really pays” for the seller. Debt is Repaid with the Buyer’s Cash: Does increase the amount the buyer “really pays”. Existing Debt is Replaced with New Debt: Increases the amount the buyer “really pays,” but the buyer still isn’t paying more cash. PROBLEM #2: Does Cash really reduce the purchase price? A buyer can’t just “take” a seller’s entire cash balance following a deal – all companies need a certain “minimum cash balance” to keep operating, paying the bills, etc. That portion of cash is actually a core business operating asset. Enterprise Value: As a simplification, we ignore the minimum cash and subtract all cash instead. So if a company operating by itself always needs some minimum amount of cash, it certainly still needs a minimum amount of cash in an M&A deal. Other Complications Transaction Fees: These always exist, and will always increase the price the buyer pays (lawyers, accountants, bankers, etc.). Unfunded Pensions, Capital Leases, etc.: These don’t necessarily have to be “paid” or “repaid” upon change of control… so they may not even affect the price, even though they factor into Enterprise Value. Extra Cash: What if the buyer’s cash + seller’s cash are used to fund the deal? Then the real price paid may not even be comparable to the seller’s Equity Value or Enterprise Value. The Bottom Line You have to distinguish between the *valuation* of a company or deal and the *actual price paid*. Equity Value and Enterprise Value are useful for valuation, but less useful for determining the real price paid. The real price paid may be between Equity Value and Enterprise Value, above them, or even below them, depending on the terms of the deal – due to the treatment of debt and cash, fees, and liabilities that don’t affect the cash cost of doing the deal. When you see language like “Including assumption of net debt,” that means the approximate Purchase Enterprise Value for the deal, because they are calculating it as Purchase Equity Value + Debt – Cash. But it’s still not what the buyer actually pays – it’s just a way to value the deal and get multiples like EV / EBITDA. RESOURCES: https://youtube-breakingintowallstreet-com.s3.amazonaws.com/108-10-Purchase-Price-MA-Deals.pdf
MATH TUTORIAL
 
03:36
A math tutorial of how to solve problems about COMPOUND INTEREST, DEFERRED ANNUITY, AND ORDINARY-SIMPLE ANNUITY. Compound Interest is interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan. Deferred Annuity is an annuity that commences only after a lapse of some specified time after the final purchase premium has been paid. Ordinary-Simple Annuity is a series of equal payments made at the end of consecutive periods over a fixed length of time. Annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. The period of time when an annuity is being funded and before payouts begin is referred to as the accumulation phase. Once payments commence, the contract is in the annuitization phase. By: Group 3 of SH208 University of Mindanao Hazel Joyce Q. Bubuli Ruzyl Mae Labite Allysa Paula Pasamonte Jennezelle Sapong Kimlhoyd Alagon Honey Grace Mozo Like and Share this video: https://www.youtube.com/watch?v=hUuLfUxwKVE
Views: 85 Hazel Bubuli
Debt Free Biweekly you're getting ripped off
 
10:19
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free  What is APR Annual Percentage Rate
 
06:56
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Simplest way to solve Annuity problems with example Part-2 in Hindi
 
05:33
Hello friends! In this video you'll learn how to solve annuity questions in easy way. Such kind of questions are asked in JAIIB exams most of the time. An annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.
Views: 26802 GrowYourself
universal life insurance new site
 
01:55
Universal life insurance (often shortened to UL) is a type of permanent life insurance, primarily in the United States of America. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate (often 2%). When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is an "Indexed Universal Life" contract. These types of policies offer the advantage of guaranteed level premiums throughout the insured's lifetime at substantially lower premium cost than an equivalent whole life policy. This not only allows for easy comparison of costs between carriers, but also works well in irrevocable life insurance trusts (ILIT's) since cash is of no consequence.
Views: 1422 Shahena Akter
CYA John Meyer and John Schepcoff paying off consumer debt
 
05:14
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
TDS on Contractor # Section 194C of Income Tax Act # TDS on GTA
 
07:34
This video is about section 194C i.e. TDS on contractor and sub contractor, generally 1% or/and 2% TDS will be deducted when payment made to person by specific person subject to some exceptions. Who are specified person, who can deduct tax, on which services or contract TDS will apply, this video covers all aspect. For further details watch complete video You can reach me at Email: [email protected] You can also watch following videos: Benefits of filling ITR https://www.youtube.com/watch?v=SpwlR2Jxp1w How to file ITR 4 https://www.youtube.com/watch?v=a4v120DEfG8 How to file ITR 1 https://www.youtube.com/watch?v=oielnF9gSME Penalty for late ITR filling https://www.youtube.com/watch?v=GsIy2BThfF8 Types of return https://www.youtube.com/watch?v=eyxvgk-LJfU Disclaimer: This video is solely opinion of speaker. It will not constituted any legal opinion. Any financial or other loss or damage caused to any person is not the responsibility of speaker or channel.
Views: 538 GST SATHI
Debt Free CPA agree using mortgage coupon
 
13:12
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free How the program works
 
12:57
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free How does my mortgage coupon work
 
13:06
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Totally Debt Free Including the Mortgage in 5 to 9 years
 
08:29
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Variable Universal Life Insurance Spreadsheets
 
14:39
brokersalliance.com (800)-290-7226 Presented by Brokers Alliance. Variable Universal Life Insurance Lifetime/ Age 100 Guarantees Some carriers offer a guaranteed underlying death benefit with a required premium payment. This does not guarantee the accumulation of cash values, only death benefit amount. Current Variable Universal Life Insurance Illustrated Values The current rate is the selected rate based on the proposal's illustrator. It is not guaranteed and may not reflect the true rate of the underlying separate accounts. Separate accounts selection may or may not be utilizing historical data or current account performance. Proposals should be viewed as a carrier advertisement and/ or tool to view expense loads and the net rates of return. Current Variable Universal Life Insurance Income Illustrated Values The current rate is the selected rate based on the proposal's illustrator. It is not guaranteed and may not reflect the true rate of the underlying separate accounts. Separate accounts selection may or may not be utilizing historical data or current account performance. Proposals should be viewed as a carrier advertisement and/ or tool to view expense loads and the net rates of return. In addition, proposals that illustrate income distribution may be illustrating withdrawals to basis and policy loans of gain or policy loans exclusively. Policy loan costs may be illustrated as current company practice or contractual, fixed or variable loans and a variety of interest charging formats: zero net cost loans, wash loans, spread loans. Life Insurance Basic Entry Manual: Order it at [email protected] This video was produced by http://bizmediastudios.com/
Views: 3529 BrokersAlliance
Hillier Questions Minister over Contract Details regarding MaRS Phase 2
 
04:18
Randy Hillier continued to question Minister Duguid over the ongoing scandal plaguing the MaRS Phase 2 Project. Hillier brought to light concerning details that despite the Government being aware of the contractual details between MaRS and ARE since 2011, the Government ignored them until this year costing taxpayers $65M and an additional $4.1 Million thus far in interest payments.
Views: 49 Randy Hillier
Lehman Brothers Holdings Appeals
 
08:47
[2017] UKSC 38 UKSC 2015/0137 Lehman Brothers Holdings Inc (Appellant) v The Joint Administrators of Lehman Brothers International (Europe) (In Administration) and others (Respondents) UKSC 2015/0138 The Joint Administrators of LB Holdings Intermediate 2 Limited (Appellant) v The Joint Administrators of Lehman Brothers International (Europe) and others (Respondents) UKSC 2015/0139 The Joint Administrators of Lehman Brothers Limited (Appellant) v Lehman Brothers International (Europe) (In Administration) and others (Respondents) On appeal from the High Court, Chancery Division Lehman Brothers International (Europe) ('LBIE') entered administration in September 2008 during the global collapse of the Lehman Brothers group. LBIE has a large surplus following payment of or provision for unsubordinated proved debts in full. Various groups of creditors claim to be entitled to payments from the surplus. They include creditors claiming statutory interest, subordinated debt holders and foreign currency creditors. LBIE is an unlimited company with (according to Companies House and LBIE's share register) two members (LB Holdings Intermediate 2 Limited and Lehman Brothers Limited, the second and third appellants). Both have filed ordinary unsecured claims against LBIE and LB Holdings Intermediate 2 Limited has filed a large claim as a subordinated loan creditor. The first appellant, Lehman Brothers Holdings Inc, is the ultimate parent company for the Lehman Brothers group. The issues and judgments in this appeal are: · Issue 1 concerns the ranking in the waterfall which can be claimed by LBHI2 in its capacity as holder of three subordinated loans made to LBIE, and in particular whether LBHI2’s claims rank ahead of statutory interest payable under rule 2.88(7) and/or non-provable liabilities. The Supreme Court unanimously (a) agrees with the courts below in rejecting LBHI2’s arguments that statutory interest and non-provable liabilities should not have priority over the subordinated debt (b) allows LBIE’s appeal on the point that LBHI2 cannot prove for the subordinated loans until the non-provable liabilities are paid or clearly could be met. · Issue 2 arises from the fact that LBIE’s creditors with debts denominated in a foreign currency will be paid under rule 2.86 at the rate of exchange prevailing at the date LBIE went in to administration, and sterling may have depreciated on the foreign exchange markets between that date and the date of payment. The foreign currency creditors claim that they are entitled to receive any contractual shortfall as a non-provable claim. The majority allows LBHI2 administrators’ appeal on the narrow ground concerning the effect of rule 2.86 in its context. · Issue 3 concerns whether a creditor of LBIE who had been entitled to, but had not been paid, statutory interest, can claim such interest in a subsequent liquidation. LBL’s appeal against declaration (iv) of issue 3 is unanimously allowed and the Supreme Court upholds the Court of Appeal’s allowance of the appeal against declaration (v), albeit for different reasons. · The remaining four issues arise because LBIE is an unlimited company and so its members can be called upon to make contributions under section 74 of the 1986 Act to meet its liabilities if LBIE is in liquidation. Issue 4 is whether such contributions can be sought in respect of liability for statutory interest and for non-provable liabilities of LBIE. The LBHI2 administrators’ appeal is unanimously allowed in part. · The other three issues arise because LBHI2 and LBL are creditors of LBIE as well as members of LBIE liable to contribute as such. Issue 5 is whether LBIE can prove in the administrations of LBHI2 and of LBL in respect of their contingent liabilities to make contributions in LBIE’s prospective liquidation if they are called on to do so pursuant to section 150 of the 1986 Act. LBHI2 and LBL’s appeal is unanimously allowed. · If LBIE cannot do this, issue 6 is whether LBIE can exercise a right of set off. LBIH’s appeal is unanimously allowed. · If not, issue 7 is whether LBIE can invoke the so-called ‘contributory rule’ which applies in a liquidation, namely that a person cannot recover as a creditor until his liability as a contributory had been discharged. The LBIE administrators’ appeal is unanimously allowed.
Views: 1031 UKSupremeCourt
Debt Free What happen to layaway
 
09:01
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free can the bank change the rate
 
06:44
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Webinar #22 - Financing Your Equipment
 
01:01:09
Today we met with a company called Lease Station. These guys actually contacted Snowie Shaved Ice and told us that they believed they could offer a financing program that nobody could compete with. After some convincing conversation, we decided that we would like to give them a shot. Lease Station is actually very similar to Paramount Financial, but they felt like they had a few items that differentiated them. I will touch on a couple of those here. It was a great conversation and I encourage you to have a listen if you are considering Financing for your Snowie Equipment. Lease Station now offers their minimum financing amount at $1000. Paramount currently sits at $3000. They both have very high Maximums that exceed $2,000,000. When we originally spoke with Paramount Financial, they offered a 90-Day Interest Free option that got canceled later that summer. Lease Station has now brought back that in the form of a deferment. The way these loans work is that the interest is already put into the total cost of the loan. So it does not matter if you defer the payment, or soften some of the payments during your off-season, you will still pay the same amount in interest. This is an incredible opportunity for people who run a seasonal business. I mean, you can’t beg a company to reduce and even remove your payments during your off-season and increase them in your busy season. I know for a lot of people, this is a dream come true. They talk a lot about helping people with a 580 FICO and some bankruptcy history. Obviously this is a hard area to be able to fund, and those funds are limited in their amount, but the good news is that they can help you get started. Make a change in your life and become profitable. I just had a question online today that asked what the penalty would be if they were to purchase a building and then not be able to make the payments on that. The financing company is going to be the company that will issue penalties and repossessions. Snowie does not do that. We also are not a franchise, so we are not throwing quotas at you. We do not charge you royalties and/or franchise fees. As long as you keep paying the financing company, you will be alright. You do not owe snowie money after your initial purchase. We will help you get into the business and will continue to help and educate you, but you do not have financial contractual obligations to be in business with us. With that said, we do have Management/Marketing packages where people will pay a monthly subscriptions to have access to various content, logos, etc. but those are optional. The discussion continues and touches on many areas. Please have a listen, and feel free to ask questions if any arise. We are here to help you get into business for yourself, and we love to help make that happen in the best way possible. - Aaron
Views: 936 Snowie Shaved Ice
“What Does Direct Compensation Include?” | Payroll Tutorial
 
02:40
Payroll Training blog: https://www.patriotsoftware.com/payroll/training/blog/ Try our online payroll software: https://www.patriotsoftware.com/payroll/ Visit our homepage: https://www.patriotsoftware.com/ -- Hi, I’m Aurora, and I’m here at Patriot Software to break down the key components of direct compensation. What is direct compensation? Well, it’s the monetary benefit an organization gives to its employees in exchange for their services. In other words: it’s what you pay employees to complete their job. So, what does direct compensation include? We can break it down into 6 different components. The first component is salary and wage. This includes basic annual salaries or hourly wages, and refers to monetary benefits received for work done for a specific duration, like an hour, a week, a month or a year. It also includes financial compensation payments, contractual payments, pay for unscheduled time and overtime, and any retroactive pay. The second component is a car allowance. If companies offer employees the use of a car, the car allowance and associated costs--like parking and fuel--are examples of direct compensation. Allowances for public transportation and cab fare are also considered direct financial compensation. The third component is a housing allowance. If workers need to relocate for their job, companies might provide workers with a housing allowance. If you’re lucky, your company might even provide accommodation to facilitate the process of relocation. The fourth component is medical reimbursement. Companies may offer workers medical reimbursements not only for workers, but also their family members. These claims can reimburse medical bills and health insurance. The fifth component is leave travel allowance. Some companies can offer leave and an allowance for recreational travel. These allowances are typically scaled based on the employee position and length of service with the company. And, the sixth component is special allowances. These forms of direct pay can include meals, commissions, mobile phone expenses, reduced interest loans, and more. Thanks for watching! For more payroll tips and training, subscribe to our channel and follow our blog. More helpful links and information can be found in the description below.
Views: 5198 Patriot Software
Trust in|Wisconsin|High Interest Rates|Reviews for BQ team|BQ Experts
 
03:03
Show us your devotament by visiting http://repaircustumercredit.betterqualifiedlandingpage.com . Media Credits list http://broadcaster.beazil.net/public/credits/youtube/videos/112374 . Better Qualified team love sharing good news with everyone who is interested. When one of BQ customers says something pleasant about the company and experiences a high quality service, Better Qualified undoubtedly shares with it. If you're one of 77 million Americans with debt in collections, chances are you may need help with your credit. Bad credit can destroy your life. Your credit score can hold you back from getting the home, car, or even job you desire. Just one late payment can remain on your credit for 7 years! Lucky for you, Better Qualified is here to help! Better Qualified, LLC Eatontown Impressive Five Star Review by John L. Once you become a client with Better Qualified, you become a client for life. The finance and insurance sector is part of the financial activities supersector. The Finance and Insurance sector comprises establishments primarily engaged in financial transactions and/or in facilitating financial transactions. Three principal types of activities are identified: Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire financial assets by making loans and/or purchasing securities. Pooling of risk by underwriting insurance and annuities. Establishments engaged in this activity collect fees, insurance premiums, or annuity considerations; build up reserves; invest those reserves; and make contractual payments. Leave us a comment on https://www.facebook.com/betterqualifiedllc . Join us at our Linkedin account https://www.linkedin.com/company/better-qualified-llc?trk=tyah. A proven credit management program can help you manage your credit and save money. Better Qualified offers people such a possibility to manage the business or consumer credits. The Better Qualified credit management process guarantees the best results. Better Qualified has teamed up with the affiliates to help people build credit through secured credit cards. Secured credit cards require that people put a down payment as collateral, so that they can build their credit risk free. Better Qualified has helped thousands build, manage, and monitor their credit since 2006. The state of Wisconsin is also called The Badger State and is famous for its numerous landmarks and places of interest. One of the most northerly of the US states and bordered by Lakes Michigan and Superior, Wisconsin offers a diverse landscape. To the north and west are large expanses of hills perfect for hiking, and areas of lowlands to the south and east have proven excellent for dairy farming. While many of Wisconsin's top cultural attractions are in its two largest cities, Madison and Milwaukee, smaller communities such as Spring Green, home to Frank Lloyd Wright's best work, are worth exploring. Consumer credit can be defined as "money, goods or services provided to an individual in the absence of immediate payment". Better Qualified is a company that helps people get secured credit cards. Paul J. Oster is the CEO of Better Qualified, LLC, a limited liability company that specializes in business and consumer credit services. Better Qualified has consulted for thousands of individuals and corporations on their credit ratings, operations, sales and business models. Secured credit cards require that you put a down payment as collateral, so that you can build your credit risk free.
WHAT IS TDS | TDS| TAX DEDUCTED AT SOURCE
 
09:55
In This video we will cover the following topics What is TDS?? Payer, payee, Deductor and Deductee meaning . Certain payments covered under TDS :- TDS on salary TDS on Interest TDS on Commission TDS on Professional Fees. TDS on Contractual Payments. Person liable to Deduct TDS :- Every Person other than Individual and HUF But Individual and HUF also liable to Deduct TDS if Liable for Tax Audit u/44AB on income tax act. Procdedure for TDS
Views: 329 CA Naveen Sharma
Debt Free who pays the points buying a home
 
11:39
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Tax Benefits to Senior Citizens during Fin Year 2018-19; Reverse Charge Mortgage Scheme
 
13:43
#SBR_266_08_10_2018 https://youtu.be/8hCfKqRm4zQ (14 Minutes) Tax Benefits to Sr Citizen during FY 2018-19 1. Attaining the age of 60 yrs by 01-04-2019 (Sr Citizen) No Tax Upto Rs. 300,000 2. Attaining the age of 80 yrs by 01-04-2019 (Very Sr Citizen) No tax upto Rs. 500,000 3. Standard Deduction allowed from Pension too Rs. 40,000 4. Section 80TTB (SB Intt + Bank or PO FDR/ RD Intt) But Not Cos/ SCSS Rs. 50,000 5. Section 80DD (Medical Ins Premium & Medical Exps) Rs. 50,000 6. Section 80DDB (Specified Diseases) Rs. 100,000 7. Section 194A: No TDS if Bank / PO FDR/RD interest is upto Rs. 50,000 10% 8. Filing of Form 15H for Non Deduction of TDS Limit: T.I. after Deductions 9. No Need to pay Advance Tax (15-June; 15-Sept; 15-Dec; 15-Mar) No BP 10. Higher Rate of Interest as compared to Non-Sr Citizen 0.50% to 0.75% 11. Investment in Pradhan Mantri Vaya Vandana Yojana 15 Lakhs 12. Investment in Senior Citizen Saving Scheme-2004 15 Lakhs 13. Less Chances of Scrutiny (Except Third Party Information) 14. Physical Filing of ITR is allowed, if no Refund and Income upto Rs. 500,000 15. No Tax on the amount received under Reversed Mortgage Scheme
Do Fixed Annuities Beat Bank Interest Rates?
 
07:40
http://annuityguys.org/do-fixed-annuities-beat-bank-interest-rates Nowadays, it seems nearly impossible to beat the bank — unless you are talking about their interest rates paid to a saver! Retirees have been pummeled by an artificially depressed rate environment which filters down to interest offered by banks. Good thing, there are alternatives to traditional money market and certificates of deposits paying next to nothing. Insurance companies and the payments on annuities have also dropped off, although they still manage to consistently offer substantially better yields than their bank counterparts. So, do fixed annuities beat bank interest rates? Simply compare and you will see that they do quite handily! (Learn more, click our link above. Full article at http://annuityguys.org) Disclosure: Videos are educational and conceptual only and not a solicitation. They are not to be considered investment, insurance, tax or legal advice. It is recommended that you work with licensed professionals for individualized advice before making any important financial decisions. Annuities are not FDIC insured and their guarantees are based on the claims paying ability of the issuing insurance company. State Guarantee Associations, while offering specific protections, are not the same as FDIC insurance. Read more Annuity Guys disclosure at: http://annuityguys.org/about-us/site-terms-conditions-and-disclosure
Views: 609 Annuity Guys
Debt Free bank offer grace consumer debt
 
06:17
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
What Is A Deferred Interest Rate?
 
00:45
Talking deferred interest pro & con nytimes. How you pay interest on 'no interest' loans the balance. I got a credit card promising no interest for purchase if i pay in full consumerfinance. Wayfair card what is a deferred interest promotional plan? . Beware of deferred interest credit cards cnbc lendingtree glossary. Or this can occur if you have an adjustable rate mortgage, or arm, and a payment cap but jun 19, 2017 for 0. What is deferred interest? Comparecards. With this type of plan, you may pay for I got a credit card promising no interest purchase if i in full what is deferred interest? Deferred terms and glossary. Deferred interest investopedia. Apr 1, 2016 deferred interest, also known as retroactive will charge interest on the card act banned arbitrary rate increases, which definition of unpaid an adjustable mortgage that is added to principal loan if payments due not aug 1982 fluctuations depend what happening rates in such cases, borrower allowed defer some increase until a promotional plan special, limited time financing allows you make specific purchase. What is deferred interest? Definition and meaning investorwords. I got a credit card promising no interest for purchase if i pay in full what is deferred interest? Deferred terms and glossary. Your minimum payments probably won t be enough to pay off the entire balance by end of deferred learn about it and specifics how interest cards work when you features an introductory or promotional period rate 0. Nov 14, 2012 but if something happens and you can't pay the full by sixth month, you'll be hit with around $50 in interest rates, even only nov 2016 once promotional period ends, normal rate kicks in, from that date forwardoct 11, 2013 one of his bills to a store card has deferred will expire two months. How credit card promotional rates work the balance. Deferred interest credit card costs you money yes, i am barclaycard us deferred financing. Deferred interest is the amount of added to principal balance a loan when contractual terms allow for scheduled payment be made that less than due. Gov i got a credit card promising no interest for purchase if pay in full within 12 months how does class "" url? Q webcache. 2016 deferred interest study the retailers with the sneakiest zero percent versus deferred interest credit cards. 99 percent this can happen if you have a deferred interest mortgage. Googleusercontent search. When a loan's principal balance increases because of deferred interest, it is known as negative amortization interest definition payment plans that offer to delay (or defer) low rates & fees during specified period time are nov 23, 2015 dell, for example, has 12 mont
Views: 172 Hadassah Hartman
Learn About-New York-Monitor Your Credit-Better Qualified LLC-High Interest Rates
 
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Many landmarks in New York state are well known to both international and domestic visitors, with New York State hosting four of the world's ten most-visited tourist attractions in 2013: Times Square, Central Park, Niagara Falls (shared with Ontario), and Grand Central Terminal. New York is home to the Statue of Liberty, a symbol of the United States and its ideals of freedom, democracy, and opportunity. In the 21st century, New York has emerged as a global node of creativity and entrepreneurship, social tolerance, and environmental sustainability. New York's higher education network comprises approximately 200 colleges and universities, including Columbia University, Cornell University, New York University, and Rockefeller University, which have been ranked among the top 35 in the world. This sector’s three principal activities are: 1. Financial Intermediation – Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transform or repackage the funds with respect to maturity, scale and risk. 2. Insurance – Pooling of risk by underwriting insurance policies and annuities. Establishments engaged in this activity collect fees, insurance premiums or annuity considerations; build up reserves; invest those reserves and make contractual payments. Fees are based on the expected incidence of the insured risk and the expected return on investment. 3. Support Services – This segment includes establishments that provide specialized services that facilitate or supporting financial intermediation, insurance and employee benefit programs. List of Video Credits can be found here http://broadcaster.beazil.net/public/credits/youtube/videos/233518 . Better Qualified is a global leader in Credit Care / Credit Repair business. Our staff of credit experts works diligently to attack derogatory accounts, while advising you towards building a better credit score. Better Qualified has developed a proven credit management program that will help you manage your credit and save money. Better Qualified offers businesses and consumers solutions that include, but are not limited to, establishing lines of credit, analysis and consulting on business and consumer credit reports, establishing business credit scores, credit card approval processes, and identity theft protection. Consumer credit is a debt that a person incurs when purchasing a good or service. Consumer credit includes purchases obtained with credit cards, lines of credit and some loans. Consumer credit is also known as consumer debt. The most common form of consumer credit is a credit card. Secured credit cards require that the clients put a down payment as collateral, so that they can build their credit risk free. Better Qualified has teamed up with the affiliates to help the clients build credit through secured credit cards. Consumer credit allows consumers to get an advance or loan to spend money on products or services for family, household or personal uses repaid at a specified future date. Check our YouTube channel https://www.youtube.com/channel/UCLicV8e8fJMBTF-Wn8DsE8w . Check our Twitter account https://twitter.com/FICODr. Take actions now! Visit http://repaircustumercredit.betterqualifiedlandingpage.com . Almost all Americans come across the problem of bad credit score. Steve, the author of the video, gives several useful suggestions to resolve this problem. First of all, one should look at the turning factors when it comes to scoring his credit. Payment history is the most important one. 35% of FICO score is based on payment history, so if you pay on time, your score will never be dropped on hundred points. Next, one should pay attention on the Amounts Owed, which takes 30% of FICO score. The rule №1 – don't keep “max out credit cards”. If it happens, try to pay these accounts down.