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Loan Presentation Template

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Loan Committee Presentation

Transcript: ANDREW MELONI CEO NATE BARLOW CFO, AUSTIN SCHROEDER, ALEX ELMER FINANCE FINANCE INCOME STATEMENT INCOME STATEMENT ITEMIZED BUDGET ITEMIZED BUDGET R & D R&D NATALIA WEBBER, TREVOR SJORGEN, BRENTON HOLIDAY Cut customizable stickers Cuts cost per sticker by 82% $196 for cutter Cricut Cutter CRICUT CUTTER VINYL VINYL 10 stickers per sheet Typical roll has 10 sheets $14 per roll Need 4 rolls to start INNOVATION Budget $100 every 2 weeks Scratch and sniff Car decals FUTURE INNOVATION OPERATIONS How do we make it? NATE PARKS COO, JOEY GAULE, MARY WILSON, CRISTINA OSBON Processes from start to finish: 1) Receive designs from R&D 2) Edit on software 3) Cut & Print on Cricket Products per Hour Week 1 - 55 a day - 275 week Week 2 - 59 a day - 297 week The Process The Process Custom Stickers scratch and sniff efficiency trainings sales and production Efficiency Efficiency KASSANDRA SALAS CMO, BRACKEN QUINTON, BEN STEPHENS, JOSHUA ANDREWS MARKETING MARKETING Goal: 10,000 people to know about us by the end of week 2. MARKETING GOAL/DATA ] MARKETING PLAN MARKETING PLAN SOCIAL MEDIA PROMOTIONS ACTIVITIES VIDEO SOCIAL MEDIA PROMOTIONS ACTIVITIES VIDEO OTHER MARKETING TACTICS MARKETING PLAN

Presentation Template.

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Student Loan Presentation

Transcript: Sallie Mae BY: Luis Galvez 7.6 • Interest Rate (%) 0.25% • How much they will loan you ($$.$$) $1,000 minimum • How long you have to pay it back (months/years) 15 yrs • What are the requirements to get this loan Be a Texas resident or be entitled to pay resident tuition rates as a dependent child of a member of the U.S. armed forces; and Meet one of the following academic requirements: Have graduated in the 2002-2003 academic year or later from a high school operated by the U.S. Department of Defense or from a public or private high school in Texas under the recommended high school program, or its equivalent; or Have earned an associate’s degree from an eligible institution no earlier than May 1, 2005. Not have been granted a baccalaureate degree; Be enrolled full time in an undergraduate degree or certificate program at an eligible institution; Have completed a FAFSA and be eligible to receive federal financial aid. • What are the guidelines to follow once you have the loan 4-year public and private institutions: $3,850/semester ($7,700/year) 2-year public and private junior colleges: $1,320/semester ($2,640/year) Public technical colleges: $2,220/semester ($4,440/year). A 3% origination fee will be deducted from the loan proceeds. Student Loan FAFSA Bill Gates Millennium Scholarship • Interest Rate 3.4% • How much they will loan you $2,500 • How long you have to pay it back 9 months • What are the requirements to get this loan If selected as GMS finalists, students must demonstrate eligibility for the Federal Pell Grant Program as part of their financial aid package for the 2013 academic year. Students must submit a Free Application for Federal Student Aid (FAFSA) to the U.S. Department of Education, Federal Student Aid Programs. Students are urged to file a 2013 FAFSA at their earliest opportunity. The 2013 FAFSA form will be available January 1, 2013 at www.fafsa.gov. Federal Pell Grants typically are awarded to families that demonstrate significant financial need. Eligibility for a Federal Pell Grant is a function of many factors, including dependency status, family income, family size and the number of students in the family. To determine if a student is Pell Grant eligible, he/she and the parent(s)/guardian(s) should meet with a high school counselor or the financial aid officer at the college or university he/she plans to attend. For more information, visit www.fafsa.gov • What are the guidelines to follow once you have the loan N/A Be On Time Loan

Loan Words Presentation

Transcript: by: Shree Vaghela Jungle Cheetah Indian Loan Words derived from the Sanskrit word chitras meaning "uniquely marked"

Loan Words Presentation

Transcript: How it came to be Native usage English Usage How it entered English How it came to be Native Usage English Usage How it entered English Shampoo How it came to be Native Usage English Usage How it entered English THE END The word shampoo originates from the Anglo-Indian and Hindu word champo. It was first seen in 1762 meaning "to smear or massage" In 1814 a Bengali businessman, Dean Mahomed, and his Irish wife, opened a spa bath in Brighton, England. His baths were like Turkish baths where clients received an Indian treatment of champi or a therapeutic massage. Dean's new treatment was immediately popular and he was appointed ‘Shampooing Surgeon’ to both George IV and William IV. When it entered the English language in the 1600s, it took its original native usage. In English, the word barbeque refers to the way meat is cooked over an open grill. Also, a barbeque has gone on to refer to a gathering to consume food that is quite similar to barbeque itself. This word was used to describe a wooded frame that dried, smoked, and grilled meat. However, it was also used to desrcibe a method of sleeping. My Special Loan Words In English the word shampoo is referred to as a beauty product to make the hair smooth and smell good. It is a grooming product to make the hair presentable and obtain a fresh fragrance. By:Josh Oliver Ketchup originates from China. Then, called Ketsiap, it was a spicy pickled fish condiment used in the 17th century. This sauce was very popular during that time and has had an exceptional influence in America today. The word is originally referred to as the Hindu plant 'champa'. The flowers from this plant are used to make fragant hair oil. Ketchup entered the English language when British seamen brought it home from China in the 1700s. It is hard to believe that ketchup did not always have tomatos in it. New Englanders added tomatos in the late 1700s. The word ketchup went from ketsiap to catchups to catsup to finanlly ketchup here in America. In English, ketchup is used as a noun representing a tomato sause. This word is often used in settings where food is consumed. People usually ask or are given this sauce to acommodate there food. KETCHUP Natives in China used this word as a name to represent a specifc condiment. In this case, it was a spicy pickled-fish sauce, rather than the popular tomato sauce we have grown to love today. It was usually pronouced as Ketsiap or Kecap; however, both pronunciations represented this peculiar native fish sauce. The word barbeque came from the Caribbean. This is where the Spanish word "barbacoa" was used to describe a wooden frame that was used to dry, smoke, and grill meat. Barbeque Originally, the word barbeque was spoken of, by the Taino people of the Caribbean. As people migrated out of the Caribbean and into countries such as Spain, France, and England, so did the word. People began to pick up on the word, change its spelling, and eventually in English it became barbeque.

Student Loan Presentation

Transcript: I'd like to discuss how we can better use or savings to tackle our student loans and better set ourselves up for the future. Student Loan plan August, 2017 How much do we owe? $55,034 Spread across 3* loans Loan Breakdown $8,000 AES - STEVE $11,105 AES - Molly $35,259 Great Lakes - Steve Student Loan Breakdown 15% Total: $53,034 21% 64% Deep Dive Total loan breakdown: Arranged from Highest to Lowest Balance How does this affect us? How does this affect us? Ramifications of carrying this much debt. Effects of carrying a large amount of debt. 1. It's expensive. We need to change the way we think about debt. 2. It sabotages our retirement. 4. It affects our credit. 5. It affects Junior. 3. It holds us hostage. It costs us an estimated $6 per day to carry this much debt. What we know now about compounding interest should change our thoughts on how we handle retirement savings. This affects us financially and emotionally. Not that we want to be taking out more loans, but should the need arise, this is an issue. AKA "Apollo", "RAM", "Bruce", "George", etc At our current rate of repayment, we will continue to pay $700 of our income towards our student loan debt for the next 10+ years(year 2027). Our current debt is $55,034. The amount we will pay back by paying only the minimum payment is $69,050. Continuing at our current rate of repayment will cost us $14,016 in interest. Attacking this debt is the smartest way for us to build for our future. Currently, we $700 of our income goes towards our student loan debt. The recommended amount to save for retirement is 15% of your income. The future value of $700, assuming 6% return, in 30 years(retirement age) is $4,020. Using the same figures above, putting $700 per month into a retirement account, instead of towards a student loan, could grow to be $703,000. Alternatively, if we wait 10 years to begin contributing, that same amount would only grow to $323,000. The $700 we pay in student loans each month is roughly %15 of our budget. Our budget is currently very tight. Removing this large expense sooner would allow for more wiggle room. We wouldn't have to scrimp to afford things like a gym membership, a bigger house, or a boat. Kids are expensive. Having less debt, sooner, can't do anything but ease things for us, and Junior. It would make saving for things easier. Imagine how quickly we could save for a down payment on a car, or a vacation, if we had $700 extra per month. Having a smaller monthly "nut" allows for less stress if times are tight. What else could we do with $700 per month? The Debt to Income Ratio(DTI) is one way that lenders measure the ability of a customer to pay back a loan. Carrying more debt can affect your ability to get a loan, and can increase the interest rates available to you. Carrying as much debt as we do affects our debt to income ratio Having more debt affects Junior. At our current rate of repayment, and based on my estimate of when he'll arrive, we'll be paying back our student loan debt until he's in 4th grade. That makes things harder, like: Shopping for clothes at places other than Carter's Going to summer camp Playing sports, or other extracurricular activities Saving for college It's not just our future. Proposed Plan of Attack Proposed Payoff Plan Plan of Attack Payoff Timeline 9/1/2017 - 11/2021 9/1/2017 9/1/2017 5/1/2019 11/2027 5/1/2019 Make a lump sum payment of $8,000 to close AES loan(STEVE). Total loan balance will decrease from $55,034 to $47,034. We use the $90 per month that was going toward the closed loan and apply it to AES loan(Molly). New payment amount will be $300, up from $180. Estimated date we will reach the $5,000 force out threshold on AES loan(Molly). Paying off this loan at this date will bring our total loan balance to $26,834. We use the $300 per month that was going toward the closed loan and apply it to the Great lakes loans, while specifically targeting those with higher interest rates. The new payment towards these loans will be $700, up from $421. 11/2021 Estimated date at which we will have reached the $5k force out threshold of our last loan. Paying this off will close all of our student loans. 6 years before our current projected payoff date. Year that Steve will be 47, Molly will be 44. This is when we are now scheduled to pay off our loans. Student Loan Debt Plan of Attack Debt vs Time - Proposed Plan Expected Results How this approach will benefit us. The Good News! The benefits of paying our loans off are sooner are substantial. Just by paying the one time, lump sum payment of $8,000 to close our lowest loan, we will save $3,500 and pay off our loans 16 months earlier. The benefits of paying our loans off are sooner are substantial. If we take it one step further, and then apply the $90 payment that was previously going to the $8,000 loan, we begin to see more benefits. Following the plan I've outlined would: Pay off our loans 6 years earlier We would repay a total of $59,000 instead of $69,050,

Loan Words Presentation

Transcript: Comes from French. Literally means "advance guard" and was originally used as a military command. It was used in English in the 15th to 18th centuries in the literal miliatry sense. It was borrowed again in 1910 to mean "pioneers or innovators of a particular period." By 1925 it was used as an adjective to mean "revolutionary" in terms of artisitc material. Comes from French. Originally it was used as an exclamation acknowledging a hit in fencing. In 1904 it was brought over along with fencing and used in the original sense. Over time it evolved to be used to admit an opponent's superiority or win in an argument or discussion. voilà By Abbey Geater avant-garde touché French Loan Words Comes from French. It originates from the words "voir" which means "to see," and "la" which means "there." It first appeared in the English language in 1739. It's modern definition is, roughly, "here it is."

SBA Loan Presentation

Transcript: Social Connecting Finding a commonality Linked In Create a template Remember that this is an opportunity, so SEIZE IT! At a real event, you only need 2-3 connections, but one is still a win! Please feel free to leave testimonials and feedback for me. Put it in your calendar to follow-up on contacts that you have met today, and/or at future and past events. Exercise: If someone you don't know tries to connect with you on LinkedIn, reply and ask to meet with them. Linked In connections are meaningless without real life meetings! Pricing & Terms Exposure: jar of memories Question: Should I set up a meeting IMMEDIATELY if we are having a good and deep conversation? - no. Attend speaking engagements and opportunities Other networking events. IMPORTANT: Mark down in your calendar, on the day after the event, to follow-up on the connections you've made. Set aside some time - preferably before the start of your working day- 30-45 minutes Now, get up and practice your new pitch. Subject: " It was great meeting you at event XYZ..." Body: Include that you enjoyed the conversation and want to explore more opportunities. Ask for follow-up E-mail: Tie information that you have gathered about them from the points you jotted down on their business card. Example: "Maybe we can catch up over a game of tennis, I remembered that you play competitively." Golden rule: this is not a numbers game - its about the quality of the relationship. Post exercise: How do I build a network? How do I find out about networking events? Developing a relationship Be attentive and be interested Ask open-answered questions Don't reply to with one-worded answers. You want people to know what you are doing and connecting with others. Why? - because you want others to see you as a GIVER. "Hi, what do you do for a living?" How many people should you talk to? - 2 to 3 connections Natural referrals who we can give out Extra tips: Puts your name in front in another direction Also, get to learn about them more Add your LinkedIn connection to your e-mail template. Leverage your friends and family Use your resources Experienced networking tips: Tip: Cardmuncher app: take a picture of your collected business card with the app and it will direct you to the LinkedIn profile. Attend various events - instead of staying within your industry. Go after peoples rolodex, not them. Five minutes Use the new approach why? - Their contacts may not be regular net workers and may be a source for your business. Personalize: Remember to follow through. If they don't respond, try again, but don't be a badger. Spice up your pitch: Instead of "I represent buyers in residential real estate closings" - say "I help people reach their desire of owning their dream home.." Be creative and use descriptive words. For instance, instead of house use dream home. My Approach: www.swapthebiz.com Remember to spice up your pitch, and take a new spin on your traditional sales pitch. Remember: Connect socially and ask healthy open-answer questions DON'T ASK ABOUT THEIR OCCUPATION Stay engage and interested Don't have a poor attitude Don't forget that everyone has a limited networking capital. Most common approach is the wrong approach: Beginners net working tips: BREAK OUT EXERCISE: Follow-up: What is 'Networking capital'? YOU DO BUSINESS WITH PEOPLE YOU LIKE You want as much exposure as you can Make the time to completely fill out online profiles Always announce meetings, deals and closed businesses Small Business SBA Loans Social aspect of Networking: Take out your collected cards, and jot down a few basic notes that you collected during your conversation. DO NOT SELL yourself, this is not direct sales. Healthy questions: "How was your day?" How It Works SmartBiz makes it easy for businesses to obtain an SBA loan from $5,000 to $350,000. While the normal SBA process can take months to complete, SmartBiz enables businesses to pre-qualify in 5 minutes, get pre-approved in 30 minutes, and receive funds as fast as 7 days after the application is complete, though timing depends on the size of loan. Just follow the steps below to apply. Or if you're interested in $151,000 - $350,000, contact us directly and our loan consultants will guide you through the process.

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