Transcript: Bob & Mary Smith Personal CFO Have you developed a Financial Plan? 57% 80% Probability of Success Probability of Success In Confidence Zone In Confidence Zone Current Status Optimal Result Needs Currently trying to benchmark their budget Not sure how much they currently spend or would need to keep lifestyle in retirement Wants to be able to live off $6/month since mortgage is paid off Currently spend $1843/month of health insurance as self employed Connie may go back to work Concerned about outliving their money Goals Give the next generation a better chance than he was given Leave a legacy to his son Pay for Callum's college Doesn't see himself retiring but will want to slow down at some point Wants to be on the board of a company working 10-20 hrs/wk making $30-40k/year Lifestyle Needs Lifestyle Needs Determine amount of income needed to support your essential living expenses Determine purpose and cost of one-time large expenditures including education, vacation homes or assistance for family members Establish your financial independence goals and the price to be paid to achieve them Review your annual charitable giving objectives and how they should be funded What are the income and lifestyle needs and wants of your family currently and prospectively? Item 2 Item 3 Item 3 Income Sources Income Sources Understand current and projected income for your family Determine the amount of income that you wish to replace if your were to become disabled Review the cost/benefits of various pension or retirement plan pay-out options Analyze social security income options Have you evaluated all current sources of income and potential changes to these sources? Understand required minimum distributions from retirement plans Objectively consider any expected gifts or inheritances Item 2 Item 3 Item 3 Item 3 Item 3 Benefit Utilization Benefit Utilization Review participation in pre-tax reimbursement and cafeteria plans Determine levels of participation and type of company retirement plans (qualified and non-qualified) Review all available stock purchase and stock option plans Evaluate whether any forms of IRA contributions, rollovers, or supplemental retirement plans on self-employment income are appropriate Are you fully utilizing all benefits available to you? Item 2 Item 3 Item 3 Investment Consulting Do your investments match your risk tolerance and financial goals? Current Investments UK SIPP ($300k) Morgan Stanley IRA ($170k) Texas College Savings 529 Plan ($35k) Investment Philosophy Investment Philosophy Define your attitude toward investment risk Determine whether the optimalized target allocation is consistent with your risk attitudes Determine legal, investment, regulatory restrictions or unique circumstances impacting your portfolio Determine the least risky asset allocation that maximizes the probablility of success of your financial plan Have you developed an investment philosophy? Item 2 Item 3 Item 3 Portfolio Mechanics Portfolio Mechanics Decide accounts to consolidate, transfer, or maintain separately and how to handle for policy & advice Determine the type of investments/strategies to be utilized in each account Determine portfolio tax and expense efficiency Review portfolio performance relative to appropriate benchmarks Have you determined the mechanics for managing your portfolio and the evaluation of what success looks like? Item 2 Item 3 Item 3 Business Succession What's your business worth and why? Business Overview Not Applicable Exit Planning Exit Planning Determine business valuation Develop succession plan Have you developed an exit plan for your business? Item 2 Business Interests Business Interests Consider liability & tax implications of your business structure Establish and/or review buy sell and business continuation agreements Determine potential business impact of owner disability Establish appropriate funding mechanisms for buy-out upon death Have you defined and protected your business interests? Item 2 Item 3 Item 3 Wealth Preservation How are you protecting the wealth you've built? Current Net Worth Net Worth - $905,000 Investment Assets - $505,000 Other Assets (House) - $400,000 Liabilities - $0 Tax Planning Tax Planning Determine appropriate levels of withholding and estimated tax payments Determine whether tax-loss harvesting is possible and appropriate Review gifting opportunities and strategies to transfer assets and reduce current income tax liabilities Determine whether to accelerate or defer income and/or deductions for tax bracket or AMT reasons Are you proactively engaged in tax planning for you and your dependents? Item 2 Item 3 Item 3 Credit Strategy Credit Strategy Determine desired level of emergency fund and credit lines funding Evaluate appropriate credit cards for limits and benefits Develop a strategy for when you wish to be debt-free Have you established your philosophy regarding using savings or credit? Item 2 Item 3 Debt Management Debt Management Review the Risk
Transcript: 1 million $ in 30 days 76% expensive hard to make niche over 50 international design awards in the last decade Scott Wilson MINIMAL founder Over his 20 year career -Nike IDEO Motorola and more... http://www.core77designawards.com/2011/recipients/tiktoklunatik-watch-kits/ 2007. Chicago. disruptive. engaging supporters & fans crowd funding what is it? ID Magazine’s Top 40 Fast Company’s Masters of Design / Details Magazine / TIME Magazine’s Style+Design 100 Cooper-Hewitt National Design Triennial/ MoMA / MCA and Chicago Art Institute owners bought an Apple Nano because of the watch designs empowers designers full control social commerce multi-disciplinary. regardless of category or industry.
Transcript: What is the importance of an optimistic approach when dealing with a patient who suffered a stroke? CVA Decreased muscle strength and control Decreased endurance Limited range of motion Uncoordinated or jerky movements Nursing Diagnosis 2 Impaired Skin Integrity 4 Nursing Diagnosis 4 Bathing/Hygiene Self-care Deficit 2 Nursing Goal: Acknowledging factors that lead to the low self-esteem feelings When a cerebrovascular accident or stoke occurs the blood flow is temporarily restricted and does not allow the brain cells to receive the nutrients they need, as a result within minutes they begin to die. When a person suffers a stroke is it the opposite side of the brain that is affected and in turn the opposite side of the body. Ischemic stroke is one of the two kinds of cerebrovascular accident, it is caused when a blood clot blocks or plus one of the vessels in the brain. Name: R.R Age: 81 Allergies: NKA Hx: CVA, Chronic renal failure, hyperlipidemia, anemia,ischemic heart disease, prostate enlargement, coronary artery disease, degenerative c-spine. Married, 3 Children, 1 Grandchild, Retired Nimbus Owner Priority: A B C Client was hospitalized on May 12th, 2011 for chest pains. On May 13th he went for stinting of vessels resulting in a failed attempt. He had a pacemaker put in on May 17th due to second degree heart block. On May 19th a second trail was successful on inserting vessel stinting. Post procedure he developed hemiparesis with slurring of speech and flattening of left face. He was admitted to Wascana Rehab on July 7th, 2011 because of the cerebral vascular accident. How is the clients self-esteem threatened by this illness? Loss of independent functioning Social role chances Decreased Control over environment Nursing Goal: Encourage client to be optimistic Critical Thinking Questions: 5 Nursing Goal: Client will understand risk factors Nursing Diagnosis 6 Risk for Infection Client presentation Nursing Diagnose 1 Impaired Physical Mobility Physical Immobilization Body Moisture Scratches skin Extremes of age Shearing forces Pressure How would you be able to cope with loss of functioning of one side of your body and not being able to do previous activities? Nursing Goal: Encourage client to wash with washcloth daily Nursing Diagnosis 3 Moderate Powerlessness Ashly Laliberty Doubts regarding role behavior Dependency Loss of privacy Debilitating conditions Frustration over inability to preform previous tasks Nursing Goal: Client will be moved Q2H on my shift Broken skin on elbow Indwelling catheter Extremes of age Weakness, Fatigue Neuromuscular impairment Unable to do any bathing Nursing Diagnosis 5 Risk for Situational Low Self-esteem Nursing Goal: Client will engage in exercises by end of shift 29/11/12 Path of Physiology
Transcript: Minimalism describes movements in various forms of art and design, especially visual art and music, where the work is stripped down to its most fundamental features. Less is more when it comes to the minimalist fashion trend. Streamlined silhouettes and tailoring, solid, monochromatic shades of white, gray, and especially black, and generally pared-down looks and clean lines have taken up residence for the season. Designers and brands that are notorious for being masters of minimalism are Calvin Klein, Jil Sandler, Narciso Rodriguez, and Prada.
Transcript: MINIMAL Absolute price level Numeraire choice determines whether changes in the real exchange rate appear as changes in domestic prices or in changes in the exchange rate. Real variables unaffected. Labour supply Closure determines whether labour market changes appear as changes in either wage or employment. Size and composition of absorption Either exogenous or else adusting to accommodate fixed trade balance. Closure determines how changes in national income appear. ORANI-G These are the quantities of retail and wholesale services or transport needed to deliver each basic flow to the user. For example V3MAR(c,s,m) is the value of margin type m used to deliver commodity type c from source s to households (user 3). ORANI-G Three Macro Don't Knows There are many CGE Models. But still very similar to Minimal Documents: theory: MINIMAL: a Simplified General Equilibrium Model software: Computing Guide for MINIMAL Please tell me if you find mistakes in the documents ! MINIMAL A Simplified General Equilibrium Model Three Macro Agnostics
Transcript: Nahin Shah Projects are focused on the dialogue between present and future technologies. He creates subtle interventions for big brands, researching and developing prototypes for them. Sticky Storm "From innovative new start-ups to the most recognized companies in the world, MINIMAL creates iconic, disruptive, brand-building products and experiences that connect emotionally with users. MINIMAL Inc. Elie Ahovi Elie Ahovi Windows 8 Interested in technologies that can be used in futuristic projects such as a marine drone to deal with plastic rubbish collected in the sea, low energy washing machines and game boxes. World Wildlife Fund Work Cited "Be Open Creative Think Tank." RSS. N.p., n.d. Web. 29 Apr. 2014. <http://beopenfuture.com/inside-the-academy/young-talent-award/short-listed>. "Dell XPS All-In-One." Dell XPS All-In-One. N.p., n.d. Web. 29 Apr. 2014. <http://www.mnml.com/21277/992865/our-work/dell-xps-all-in-one>. "Microsoft HD LifeCam." Microsoft HD LifeCam. N.p., n.d. Web. 29 Apr. 2014. <http://www.mnml.com/21277/526734/our-work/microsoft-hd-lifecam>. "MINIMAL (MNML) on Behance." Behance. N.p., n.d. Web. 29 Apr. 2014. <https://www.behance.net/MNML>. "Nike Amp+." Nike Amp+. N.p., n.d. Web. 29 Apr. 2014. <http://www.mnml.com/21277/678071/our-work/nike-amp>. "Sticky Storm." Sticky Storm. N.p., n.d. Web. 29 Apr. 2014. <http://www.mnml.com/21277/1196451/our-work/sticky-storm>. "What Is the Difference Between Modern and Postmodern Art?" Smithsonian. N.p., n.d. Web. 25 Apr. 2014. <http://www.smithsonianmag.com/arts-culture/ask-an-expert-what-is-the-difference-between-modern-and-postmodern-art-87883230/?no-ist>. "Windows Designer Explains Why Windows 8 Is Such a Mess [updated]." BGR. N.p., n.d. Web. 29 Apr. 2014. <http://bgr.com/2014/02/18/windows-8-design-criticism/>. "World Wildlife Fund." World Wildlife Fund. N.p., n.d. Web. 29 Apr. 2014. <http://www.mnml.com/21277/224142/our-work/world-wildlife-fund>. "Xbox 360 + Kinect." Xbox 360 + Kinect. N.p., n.d. Web. 29 Apr. 2014. <http://www.mnml.com/21277/223110/our-work/xbox-360-kinect>. “...tries to apply an industrial design method based on users, developing powerful tools to answer different challenges.”
Transcript: Who is Metz Culinary Management? Our Values... Our people... Proudly Serving We are your partner... Fresh...From Scratch Cooking Customer Service Expectations Local and Sustainable Products
Transcript: –Heart Sutra "Emptiness is form" - Notes to Case 51 of ‘The Blue Cliff Records’ saha vīryam karavāvahai "Form is emptiness" May our efforts have strength together. "Paradoxically, with true freedom of mind one has no choice. The mind that is free is decided from the beginning. "When negative feelings restrict us, the opposite should be cultivated." Habit patterns: an analogy My sand mandala. –Yoga Sutra 2.33 "If you feel a possibility of choosing, your mind is divided and disturbed, and that is not freedom." Minimal –Heart Sutra Creative Mornings Pittsburgh
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