Tutor: START YOUR OWN ENTERPRISE Module 5 Welcome!
|
|
- Shauna Chapman
- 6 years ago
- Views:
Transcription
1 Tutor: START YOUR OWN ENTERPRISE Module 5 Welcome!
2 WELCOME!
3 GROUP AGREEMENT FOR SUCCESSFUL LEARNING : Generated during week 1 - to include: Attend all sessions on time If running late, inform Tree Shepherd office If unable to attend or leaving early, make arrangements with class colleagues to collect homework/handouts and/or access them online Contribute Complete homework tasks Respect others Eat outside of classroom, except during designated breaktimes Keep learning area clean and tidy Observe health and safety and other TS/venue policies and procedures
4 COURSE ARRANGEMENTS 4.00 finish and Off or silent Handouts provided and/or online resources
5 GROUP INTRODUCTIONS
6 3) WCDI group discussion/feedback focusing on the above REVIEW HOMEWORK: 1)Complete USP on Business Plan 2)Social Media explain which social media platform is most appropriate for your business and why?
7 SESSION AIMS: > Personal/business budgeting and cashflow forecasting for a lean business start-up model > Legal structures/compliance > Elevator pitches
8 BASIC FINANCIAL TERMS (see tablet/website for further financial terms) BUDGET A summary of planned income and expenses COSTS Expenses in producing products or running the business, including the cost of your time FIXED COSTS Expenses incurred whether you trade/work VARIABLE COSTS Expenses which vary according to the amount of work CASHFLOW The movement of money in and out of a business REVENUE How much money you take in from sales before expenses are deducted TURNOVER Same as revenue PROFIT The surplus after you have deducted all costs from sales income
9 BUDGETING
10 BUDGET An estimate of income (revenues) and expenditure (expenses) over time, reflecting a reading of future conditions and goals
11 WHY A BUDGET IS IMPORTANT To: limit expenditure measure performance plan for foreseeable adverse conditions plan for achieving future objectives determine future budgeting
12 CREATING A LEAN BUSINESS Start small and grow But make sure you actually Start! Trial things first then get feedback Only add what you know your customers will pay for Perfect is the enemy of good It stops you doing anything until its right And you don t even know if your customers will like it! - The Lean Start Up by Eric Ries
13 CREATING A LEAN BUSINESS Questions: What could you offer NOW? Where would you sell it? Are you ready to listen to what your customers say? How would you measure their response?
14 CASHFLOW FORECASTING
15 QUOTE OF THE WEEK - 1 Business owners are often unrealistic in predicting their cashflow; they tend to overestimate income and underestimate expenses. Scott Allen
16 CASHFLOW FORECASTING The movement of money into and out of a business. The cashflow projection helps to ensure that the business has enough money to survive. Review regularly. Do not confuse profit with cash flow!
17 SIGNS OF CASHFLOW PROBLEMS struggling to pay wages (or yourself!) bill arrears lack of profit no working capital buffer lack of contingency funds
18 WAYS TO IMPROVE CASH FLOW Increase sales Increase price Reduce costs Collect money faster Pay slower Get a loan/overdraft/more investment
19 The legal structure of your business is likely to affect the way your business can raise money and the way management decisions are made Business Start Up Guide
20 LEGAL STRUCTURES see tablet/website for further information
21 MAIN BUSINESS LEGAL STRUCTURES Sole trader Partnership Limited Company by shares Limited Company by guarantee Community Interest Company (aka CIC)
22 HOW TO DECIDE WHICH LEGAL STRUCTURE What is the aim/purpose of my business? What is my motivation? What do you want to do with the profit/surplus? How much control do you want (or are willing to sacrifice)? How much help do you need to run the business? How do you feel about taking financial risks? How do you feel about company info being publicly available?
23 COMPLIANCE Things you must do when starting a business: Notify Job Centre/DSS Register with HMRC Register your company (if limited company) Register for VAT if turnover + 83,000 Other appropriate sector registrations Get a business bank account Get book-keeping/tax advice Take out relevant insurance Set up direct debits for tax, NI, business rates, utilities, VAT Keep strict records of income and outgoings Ensure business registration details on all public correspondence
24 THE ELEVATOR PITCH A brief persuasive speech to create interest in your business. Should be: interesting, memorable and to the point. Motivation my vision and personal driver. Market my customers. Mechanics what and how I deliver to my customers.
25 HOMEWORK: Individual homework: HW1: To research the specific regulations on food hygiene, health & safety, waste management, trading licenses. May use the following link: HW2: To have a look at the various company types and choose which may be appropriate for their business idea? May use the following link: HW3: Work out the 5 most expensive items you NEED to start up and how much they might cost? Group homework:
26 REVIEW OF DAY
27 TARGETS FOR NEXT WEEK: - Key resources needed for business start up - Budget & cashflow - Fixed & variable costs - Elevator pitches - Generating income
28 SESSION EVALUATION
Learner Outcomes. Target Audience. Materials. Timing. Want more background and training tips? Save Well A Savings Plan for Teenagers. Teens.
Learner Outcomes Outcome #1: Participants will be able to identify what a savings plan is. Outcome #2: Participants will be able to name a place that offers savings accounts. Outcome #3: Participants will
More informationNewable Business Finance User Guide
Newable Business Finance User Guide 22 MARCH 2018 2018 NEWABLE Welcome to Newable Business Finance Getting finance should be quick and easy, so you can get back to doing what you do best - running your
More informationFrequently Asked Questions
Page 1 of 9 Frequently Asked Questions What can JT Accounting do for you? We can take care of all of your accounting needs, such as; 1. Annual accounts for Companies House, if you are a corporate body
More informationC R E A T I V E W O R K B O O K / / J U N E / / S E T Y O U R G O A L S A N D A C H I E V E T H E M!
C R E A T I V E W O R K B O O K / / J U N E 2 0 1 8 / / O IT prioritize your life S E T Y O U R G O A L S A N D A C H I E V E T H E M! How to prioritize your life in 3 simple steps. 1. Plan a life you
More informationUnderstanding Minimum Contribution Increases (Phasing) and its Implications
Understanding Minimum Contribution Increases (Phasing) and its Implications This guide looks at what you must know about processing the increases in contribution rates in 2018 (and clients should thank
More informationDo you want more from life more money, more freedom, more security, and more time for the activities you love?
Introduction Why I wrote this guide Do you want more from life more money, more freedom, more security, and more time for the activities you love? If so welcome to the best decision you ve ever made in
More information3/26/2014. Effective Supervisory Practices. Session Three: Charting the Course and Staying on It. Meet your presenters. Today s Discussion:
Effective Supervisory Practices Session Three: Charting the Course and Staying on It 1 Meet your presenters Michelle Poché Flaherty City on a Hill Consulting Hyacinth Bryant City of Atlanta, Georgia 2
More informationF11 Freshman Check-in Summary Report
2. Do you live in a: Response Rate: 99% (N=190) Question Type: Choose one Tag: Q1 Residence Hall (1) 173 9 House / apartment near campus (2) 6 3% House / apartment far from campus (driving required) (3)
More informationWelcome to Employee Navigator your on-line benefits enrollment portal!
Welcome to Employee Navigator your on-line benefits enrollment portal! On this site you will enroll in the medical, dental, flexible spending, and voluntary term life insurance plans that best fit your
More informationfiling tool limited companies sole traders
filing tool limited companies sole traders associates ltd Limited Companies What are my filing regulations for a LTD company? The simplest way of dealing with your company filing is to appoint an accountant.
More informationUW Business Plan. Financials and Funding. Alan Dishlip CFO Billing Revolution, Inc. February 04, 2010
UW Business Plan Competition Resource Night Financials and Funding Alan Dishlip CFO Billing Revolution, Inc. February 04, 2010 Introduction Agenda Financial Projections Funding - Raising Capital Summary
More informationContractCoach, LLC. A Jeff Hastings Agency, Inc. Company A-Coach
ContractCoach, LLC. www.contractcoach.com A Jeff Hastings Agency, Inc. Company 281-752-6565 844-4A-Coach 2 Budget Design Leads the Agency Toward the Vision Like anything else, you have to have a plan for
More informationBUDGETING Use Money Wisely. Training of Trainers Manual Toolkit
BUDGETING Use Money Wisely Training of Trainers Manual Toolkit Financial Education for the Poor Project Washington, D.C. 2006 TABLE OF CONTENTS Budgeting: Use Money Wisely TRAINING OF TRAINERS TOOLKIT
More informationTHE EDF ENERGY PENSION SCHEME. A guide for new joiners
THE EDF ENERGY PENSION SCHEME A guide for new joiners January 2016 CONTENTS Welcome 3 CARE Section 4 At a glance How it works Membership and contributions Building retirement benefits today Building retirement
More informationAccounting and tax for start-up and small businesses
Accounting and tax for start-up and small businesses A guide for clients www.bwm.co.uk 0151 236 1494 Contents Page Introduction - Small businesses and start-up services 2 Which structure is right for your
More informationWelcome to Employee Navigator your on-line benefits enrollment portal!
Welcome to Employee Navigator your on-line benefits enrollment portal! On this site you will enroll in the medical, dental, flexible spending, and voluntary term life insurance plans that best fit your
More informationKIWINET INVESTMENT COMMITTEE PROCESS GUIDE
KIWINET INVESTMENT COMMITTEE PROCESS GUIDE FOR ORGANISATIONS POOLING THROUGH KIWINET JUNE 2013 INTRODUCTION This document will outline the KiwiNet Investment Committee processes around the allocation of
More informationUnit trusts are also popular because they offer:
Unit trusts Unit trusts invest into assets including equities, bonds, cash and property and allow you to gain exposure to these assets without having to invest in them directly. They are also known as
More informationFrom application to pay-out.
An introducer s guide: From application to pay-out. Find out more W fundingcircle.com E introducer@fundingcircle.com T 0203 667 2208 Welcome to Funding Circle Business finance should be straight-forward,
More information9 STEPS FOR STARTING YOUR SMALL BUSINESS NINE STEPS FOR STARTING YOUR OWN SMALL BUSINESS
9 STEPS FOR STARTING YOUR SMALL BUSINESS NINE STEPS FOR STARTING YOUR OWN SMALL BUSINESS STEP 1: DESCRIBE YOUR DIFFERENTIATED OFFERING Differentiated means different from anything else Small businesses
More informationACCT Introduction to Accounting Chapter 6 - Closing Entries and the Post Closing Trial Balance Prof. Johnson
ACCT 100 - Introduction to Accounting Chapter 6 - Closing Entries and the Post Closing Trial Balance Prof. Johnson Purpose: The purpose of this handout is to summarize key concepts of Chapter 6. This represents
More informationPayday Lending Advocacy Kit
Payday Lending Advocacy Kit Financial counsellors and community organisations are on the 'front line', and have first-hand experience dealing with the problems caused by payday lending. Telling your clients'
More informationACCA Professional Level Paper P4 Advanced Financial Management
ACCA Professional Level Paper P4 Advanced Financial Management Mock Exam You are allowed three hours and 15 minutes to answer this question paper. You are strongly advised to carefully read ALL the question
More informationAccess to this webinar is for educational and informational purposes only. Consult a licensed broker or registered investment advisor before placing
Access to this webinar is for educational and informational purposes only. Consult a licensed broker or registered investment advisor before placing any trade. All securities and orders discussed are tracked
More informationThe 5 Do s and 5 Don ts of Trading as a Home Business
The 5 Do s and 5 Don ts of Trading as a Home Business Welcome to your introduction to Trading from Home from the International Day Trading Academy (www.idta.com.au) Our Truth about Business, Trading, and
More informationPSYCHOLOGY OF FOREX TRADING EBOOK 05. GFtrade Inc
PSYCHOLOGY OF FOREX TRADING EBOOK 05 02 Psychology of Forex Trading Psychology is the study of all aspects of behavior and mental processes. It s basically how our brain works, how our memory is organized
More informationCOURSE INFORMATION SHEET
COURSE INFORMATION SHEET ASSESSOR & INTERNAL QUALITY ASSURANCE CONTINUAL PROFESSIONAL DEVELOPMENT TRAINING PROGRAMME OUTLINE CPD Title: Assessor Workshop CPD Title: Internal Quality Assurance Workshop
More informationImportant information
Important information This workbook is intended to provide general information only and has been prepared by MLC Limited (ABN 90 000 000 402 AFSL 230694 without taking into account any particular person's
More informationHomebuyer Education TEST
To obtain the required Homebuyer Education Certificate through the Ohio Housing Finance Agency (OHFA), you will need to complete this test and related budget form. Once your loan is reserved, you may upload
More informationBoston University Undergraduate Finance & Investment Club Investment Policy Statement
Boston University Undergraduate Finance & Investment Club Investment Policy Statement [Adapted from Scott D. Stewart s Training Student Equity Analysts and Utilizing their Recommendations in Active Portfolio
More informationBusiness Banking. Working together for your Business
Business Banking Working together for your Business Contents Section 1: Section 2: Section 3: Section 4: Section 5 Section 6: Talk to us Reviewing your business for the future Managing your business today
More informationBEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS
BEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS To accomplish great things, we must dream as well as act. Anatole France, French Novelist AN EXTRAORDINARY
More informationTAX TAX & ACCOUNTANCY & ACCOUNTANCY
TAX & ACCOUNTANCY Open and friendly approach We are local to you, with a free initial consultation. Happy to meet you out of hours too. Up-front pricing Fixed fees, payable monthly, no surprises. Easy
More informationBusiness Debtline
BUSINESS DEBTLINE Business Debtline www.businessdebtline.org 0800 0838 018 Taxes are dealt with and collected by Her Majesty s Revenue and Customs (HMRC). There are different types of tax, which include
More informationA survival guide to Dealing with tax credit overpayments
A survival guide to Dealing with tax credit overpayments Making sense of the law and your rights Introduction If you ve received a letter saying you ve been overpaid tax credits and demanding repayment
More informationAccounting. Overview 1/8/2019. Intro to Business and Technology
Accounting Intro to Business and Technology Overview Required Assignments Introduction Essential Questions Assignment Key Terms Think About This Assignment Discussion 5 Language of Business Financial Statements
More informationBusiness Debtline
BUSINESS DEBTLINE Business Debtline www.bdl.org.uk 0800 0838 018 Taxes are dealt with and collected by Her Majesty s Revenue and Customs (HMRC). There are different types of tax, which include those listed
More informationA step by step guide to your home loan
A step by step guide to your home loan ARE YOU A LITTLE NERVOUS ABOUT APPLYING FOR A HOME LOAN? RELAX. It s quite simple once you know what to expect. That s why we ve prepared this easy guide; it tells
More informationAuto Enrolment - what employers need to know
Auto Enrolment - what employers need to know Welcome to Robson Financial Pension Auto Enrolment is hot on the agenda and you could well be one of the thousands of employers that have received a letter
More informationFinance 527: Lecture 35, Psychology of Investing V2
Finance 527: Lecture 35, Psychology of Investing V2 [John Nofsinger]: Welcome to the second video for the psychology of investing. In this one, we re going to talk about overconfidence. Like this little
More informationTHEBUYER S GUIDE Everything you need to know about insuring your van or pickup truck! Why choose us? / 5 Insurance products / 6-7 FAQ / 10-11
THE Everything you need to know about insuring your van or pickup truck! Take a look inside... Why choose us? / 5 Insurance products / 6-7 FAQ / 10-11 {Exclusive!} {Multi-year} {insurance} See pages 8-9
More informationEverything you need to know about Universal Credit NOW!
Special Feature Everything you need to know about Universal Credit NOW! Your easy A B C to avoid debt ARE YOU READY? COMMUNITY MONEY ADVICE G E T M O N E Y W I S E This publication is available in large
More informationPrivate Equity Guide for Businesses
December 2017 Private Equity Guide for Businesses PRIVATE EQUITY GUIDE FOR BUSINESS OWNERS IN ETHIOPIA Private Equity (PE) is fast becoming an important source of finance for small and medium sized businesses
More informationLEASING vs. BUYING A CAR
LEASING vs. BUYING A CAR Generally, there are two choices for financing a new car: leasing and buying. Each has its benefits and drawbacks, and deciding which option is best depends on your finances, lifestyle,
More informationSocial Studies Coalition of Delaware Signature Lesson: Economics 2, Grades 4-5. The Business of Banking by Jeanine Moore, Indian River School District
The Business of Banking by Jeanine Moore, Indian River School District Revisions and Edits: Judy Austin, Center for Economic Education and Entrepreneurship Lesson Description: In this lesson students will
More informationPart 5: GLOSSARY OF TERMS
Part 5: GLOSSARY OF TERMS ABN Withholding Tax Account Levels Accounts Accounting Equation Accounts List Accounts Payable Accounts Receivable Accounting Period The amount withheld from a supplier who provides
More informationIR 272 April Taxes and the taxi industry. Information about tax issues for taxi drivers and owner-operators
IR 272 April 2009 Taxes and the taxi industry Information about tax issues for taxi drivers and owner-operators Self-employed or an employee? It s important to know whether you are self-employed or an
More informationWebinar: How NEST can help you support clients with auto enrolment
Webinar: How NEST can help you support clients with auto enrolment Questions and answers February 2016 Choosing to use NEST 1. Is a NEST pension scheme always a qualifying scheme for auto enrolment? Yes,
More informationForex System Development Workshop. Basics #4: Through Position Sizing.
Forex System Development Workshop Basics #4: Title goes Achieving here Your Goals Through Position Sizing www.fxrenew.com Welcome G day, Howdy, Guten Tag, Ni Hao, Вітаю, Hallo, Konnichiwa, Chào and welcome
More informationHOW-TO: CONDUCT MEDIA OUTREACH
HOW-TO: CONDUCT MEDIA OUTREACH It s important to build and sustain relationships with media who can: Profile your Project and clients whose pensions you have recovered Consult and quote Project staff on
More informationExaminer s report P6 Advanced Taxation (UK) December 2017
Examiner s report P6 Advanced Taxation (UK) December 2017 General Comments The exam was in its standard format; section A consisting of the compulsory questions 1 and 2, worth 35 marks and 25 marks respectively,
More informationsession five SAVE IT SCRIPTURE MEMORY Choose the ONE verse that BEST RELATES to you and commit it to memory.
session five SAVE IT SCRIPTURE MEMORY Choose the ONE verse that BEST RELATES to you and commit it to memory. Precious treasure and oil are in a wise man s dwelling, but a foolish man devours it. (Proverbs
More informationAccounting Principles. Question Paper, Answers and Examiners Comments. Level 3 Diploma June B/PQP/1
Accounting Principles Question Paper, Answers and Examiners Comments Level 3 Diploma 7B/PQP/1 Copyright of the Institute of Credit Management Institute of Credit Management The Water Mill, Station Road,
More informationDEBT ELIMINATION SYSTEM. Stop Accumulating Debt Starting NOW!
DEBT ELIMINATION SYSTEM Insider Secrets from www.getdebthelp.co.za I m sure you re very excited to get stuck into this training and learn how you can apply this system to get out of debt in one of the
More informationTrading Game-Plan Template
Trading Game-Plan Template Welcome back. By now you should have read our game-plan ebook which describes every aspect of the trading game-plan. This document is the template which helps you create your
More informationHow to Fix the Top 10 Fatal Errors of Trading One Flaw at a Time. April 14: #4 Unrealistic Expectations. From the Active Trend Trader
How to Fix the Top 10 Fatal Errors of Trading One Flaw at a Time April 14: #4 Unrealistic Expectations From the Active Trend Trader Disclaimer U.S. GOVERNMENT REQUIRED DISCLAIMER COMMODITY FUTURES TRADING
More informationGood afternoon and I hope you have enjoyed today s sessions.
1 Good afternoon and I hope you have enjoyed today s sessions. Before I get started, I just want to point out a correction to my bio, we manage approximately 750m of equity not 600m and assets of over
More informationEstate Planning & Administration
Estate Planning & Administration Introduction If you ve been putting off creating an estate plan, then you re missing out on a chance to get some peace of mind. Many of our clients tell us that they feel
More informationMODULE 4 MODULE 4 INTRODUCTION PROGRAMME LEVERAGE AND MARGIN
INTRODUCTION PROGRAMME LEVERAGE AND MARGIN This module explains leverage and gearing and compares CFDs with non-geared investments. Additionally, there are a number of worked examples of how our margin
More informationThe freelance ready reckoner Produced by Andrew Bibby, Andrew Bibby 2009.
The freelance ready reckoner 2009-2010 Produced by Andrew Bibby, www.andrewbibby.com. Andrew Bibby 2009. Equivalent annual gross salary Total cost to employer Total cost to employer per working day Recommended
More informationCoaching within the Forex industry. By Michael Staudacher
By Michael Staudacher Changes in the Forex industry: Within the last 10 years the image and the picture of the forex market changed dramatically. Based on factors like: the development of the internet,
More informationYOUR PENSION. Proposed changes and the consultation process
YOUR PENSION Proposed changes and the consultation process 01 LADBROKES PENSION PLAN CONTENTS 01 LADBROKES PENSION PLAN PAGE 3 02 A SUMMARY OF THE PROPOSED CHANGES PAGE 4 03 HOW THE COMPANY PROPOSE TO
More informationJobs and employment. Guidance for conversations on jobs and employment. Trainers Notes for Jobs and Employment with clients
Jobs and employment Guidance for conversations on jobs and employment Trainers Notes for Jobs and Employment with clients This session pack has been produced as part of Citizens Advice Financial Skills
More informationOUR APPROACH TO INDUCEMENTS. Under Markets in Financial Instruments Directive II (MiFID II)
OUR APPROACH TO INDUCEMENTS Under Markets in Financial Instruments Directive II (MiFID II) This document has been written for third party European Economic Area (EEA) investment firms, such as Investment
More informationFinancial Literacy. Budgeting
Financial Literacy Budgeting ACTIVITY SHEET 3-1 The B word budget 1 What do you think about when you hear the word budget? What words or feelings come to mind? Write down any other ideas the group came
More informationLife Insurance. Level term policies will pay out the same amount whenever you claim, no matter how far you are into the policy.
Insurances: A Guide Hello, and welcome to our guide to mortgage-related insurances, which we hope will give you a useful introduction to the types of cover you can take out to protect your home and family.
More informationA step-by-step guide to borrowing.
A step-by-step guide to borrowing. Welcome to Funding Circle. Getting finance should be quick and easy, so you can get back to doing what you do best - running your business. That s why we ve cut out the
More informationRassini Q4 and Full Year 2016 Earnings Call Transcript
Page 1 Rassini Q4 and Full Year 2016 Earnings Call Transcript Francisco Freyre, Assistant VP, Investor Relations & Finance Juan Pablo Sanchez, Chief Financial Officer February 21, 2017 10:00 a.m. ET Good
More informationFinance 4021: Derivatives Professor Michael Ferguson Lindner Hall 415 phone: office hours: MW 9:00-10:30 a.m.
University of Cincinnati College of Business Fall 2017 Finance 4021: Derivatives Professor Michael Ferguson Lindner Hall 415 phone: 556-7080 office hours: MW 9:00-10:30 a.m. e-mail: michael.ferguson@uc.edu
More informationDog Instructor. Transferees and Re-joiner Constables
Dog Instructor Transferees and Re-joiner Constables Contents Section One Section Two Section Three Role & Eligibility The Recruitment Process Salary & Pension Information Section One Role & Eligibility
More informationQuick Guide. RTI Submission. Abstract This guide provides an overview of how to do RTI submission.
Quick Guide RTI Submission Abstract This guide provides an overview of how to do RTI submission. Table of Contents Full Payment Submission (FPS)... 3 Report the reason for a late FPS submission... 3 Employer
More information5 Planning for the future
5 Planning for the future In this part Key points: Planning for the future 78 Financial matters 80 Driving 81 Working 83 Benefits 85 Making decisions for the future 86 Advance care planning 88 Things to
More informationSession Plan - Unit 3: Choosing a New Financial Product
Session Plan - Unit 3: Choosing a New Financial Product Session overview This session, which is Unit 3 of 8 in the financial capability programme, is titled Choosing a New Financial Product. It focuses
More informationBRIEFING NOTE: BREXIT 2019 A UK TREASURER'S CHECKLIST
BRIEFING NOTE: BREXIT 2019 A UK TREASURER'S CHECKLIST NOVEMBER 2018 Briefing note BEXIT 2019 Plan for the worst, hope for the best A UK Treasurer s Checklist This briefing note may be freely quoted with
More informationCompleting your online Tax Return
Completing your online Tax Return V10 21/06/2018 1 Contents Introduction... 3 Getting started... 4 Completing the online tax return... 6 State Pension... 10 Private Pension... 10 Foreign Income... 11 UK
More informationWhat is Asset Management Capacity?
1 Building Asset Management Capacity Allen Mapstone IPWEA Australasia What is Asset Management Capacity? 2 When I first read the title for this session I started thinking about... is the focus on Financial
More informationInsurance Agency Perpetuation Planning
Insurance Agency Perpetuation Planning Defining Perpetuation and Business Succession - Best Practices for Insurance Agencies STOP, just for a moment, and answer a serious question: If you had been hit
More informationCapital Markets Practice Group
Capital Markets Practice Group Preparing for a Smooth IPO Process a Guide for In-House Counsel Preparing a company for an IPO can be a very time consuming task for the in house legal team, but the process
More informationMountain Ash Comprehensive School
Mountain Ash Comprehensive School Hire of Premises Policy April 2017 USE OF SCHOOL PREMISES AND FACILITIES POLICY This policy was agreed by the Governing Body of Mountain Ash Comprehensive School in their
More informationEMPLOYEE SATISFACTION SURVEY
EMPLOYEE SATISFACTION SURVEY July Employee Satisfaction Survey July CONTENTS Overall How likely are you to recommend working at StreetTeam to a friend? The Company The company vision and goals have been
More informationTHE BETHANY LAW CENTER, LLP
THE BETHANY LAW CENTER, LLP ESTATE PLANNING WORKSHEET Information provided is held in complete confidence, and is used for the sole purpose of analyzing estate planning needs and designing estate planning
More informationCommentary of Wiener Börse AG on CESR s Advice on Possible Implementing Measures of the Directive 2004/39/EC on Markets in Financial Instruments
Commentary of Wiener Börse AG on CESR s Advice on Possible Implementing Measures of the Directive 2004/39/EC on Markets in Financial Instruments Wiener Börse AG welcomes the possibility to comment on the
More informationOverview of Legal Project Management
Overview of Legal Project Management Scope - Determining the goals and deliverables for the project Conduct of Legal Matter Carrying out the project within the established parameters, making adjustments
More informationSession #12 Trading in
Forex System Development Workshop Session #12 Trading in Title the goes Lion s hereden www.fxrenew.com FX Renew Disclaimer The information on this site is not directed at residents in any country or jurisdiction
More informationCONTENTS AFA Report
VALUE OF ADVICE 2018 CONTENTS Introduction How is financial stress affecting people s lives? Barriers to financial advice Scenario 1 The big check up Scenario 2 Loss of a partner Scenario 3 Upstarts Emotional
More informationA charity founded over 150 years ago, we re independent so you can be. The information in this factsheet applies to England only.
Carer s Allowance You may not think of yourself as a carer, but if you look after someone else you might qualify for extra money to help meet your costs. This factsheet explains what Carer s Allowance
More informationAccessing your DC pension savings
BASF UK Group Pension Scheme ( the Scheme ) Accessing your DC pension savings This leaflet explains the retirement income options available for your defined contribution (DC) pension savings in the Scheme.
More informationBACS DIRECT CREDIT. An introduction to the service
An introduction to the service CONTENTS 3 The payments solution for maximum business efficiency 3 The benefits 3 Paying employees 3 Supplier payments 4 Making payments 4 Receiving payments 5 Using Bacs
More informationAegon Platform key information document
For customers Aegon Platform key information document Including the Aegon ISA and Aegon General Investment Account key features documents The information that follows is accurate to the best of our knowledge
More informationYour LPP Pensions Update
Your LPP Pensions Update LPP Employer Pensions Newsletter October Edition In this issue: Changes to your Newsletter Annual Allowance Shared Cost AVC s Employer Forum YourFund Feedback October 2017 Changes
More informationFoundational budgeting session
Foundational budgeting session Guidance for conversations on budgeting 2015 Citizens Advice Foundational budgeting trainer notes/sep16/v2 This session pack has been produced as part of Citizens Advice
More informationPensions Profile. Welcome to the 2009 edition of Pensions Profile, the annual newsletter for members of the Allen & Overy Pension Scheme.
Pensions Profile Welcome to the 2009 edition of Pensions Profile, the annual newsletter for members of the Allen & Overy Pension Scheme. The Trustee wishes to keep you informed of changes that may affect
More informationA charity founded over 150 years ago, we re independent so you can be. The information in this factsheet applies to England only.
Carer s Allowance You may not think of yourself as a carer, but if you look after someone else you might qualify for extra money to help meet your costs. This factsheet explains what Carer s Allowance
More informationLENDER AND ISA GUIDE
LENDER AND ISA GUIDE Great investments. Brilliant feeling. Huge impact. We believe in a fair deal for both Borrowers and Lenders, so as well as a great interest rate your FOLK2FOLK investment will be doing
More informationUK Business and Charity Digital Index 2018 Appendix. The fifth edition Benchmarking the digital capability and skills of UK SMEs and charities
UK Business and Charity Digital Index 218 The fifth edition Benchmarking the digital capability and skills of UK SMEs and charities Introduction The report contains research from 1,5 SMEs and 5 charities
More informationYOUR GUIDE TO RETIREMENT SAVINGS
YOUR GUIDE TO RETIREMENT SAVINGS CONTENTS PAGE 3 WHAT IS THE SCOTTISH WIDOWS RETIREMENT SAVER (THE PLAN)? PAGE 4 CAN I RELY ON THE STATE ALONE? WHAT ARE MY ALTERNATIVES? PAGE 5 HOW DO I JOIN? WHAT ARE
More informationCHAPTER 3.4. Trading Psychology
CHAPTER 3.4 Trading Psychology TRADING PSYCHOLOGY Stock and CFD traders have to not only compete with other traders in the stock and CFD markets but also with themselves. Often as a stock or CFD trader
More informationACCOUNT CHARGES. Your account charges explained
ACCOUNT CHARGES Your account charges explained June 2017 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges
More informationThe information in this factsheet applies to England only.
Carer s Allowance You may not think of yourself as a carer, but if you look after someone else you might qualify for extra money to help meet your costs. This factsheet explains what Carer s Allowance
More informationDefined Contribution Pension Solutions Supporting you on every step of the journey
Intended for pension fund trustees and their investment consultants only. Not to be distributed to pension scheme members. Defined Contribution Pension Solutions Supporting you on every step of the journey
More information