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Personal finance presentation

Transcript: Tuition and Fee cost Occupational Therapist make about $34.77 an hour and about $72,320 a year. There are an estimated amount of 108,800 Occupational Therapist jobs in the United States alone. Requirements for Occupation Therapist Occupational therapists treat patients with injuries, illnesses, or disabilities through the therapeutic use of everyday activities. They help these patients develop, recover, and improve the skills needed for daily living and working. You have to have graduated high and pass all your required classes. You have to go to school for 8 years to get your Masters degree which is the minimum for an Occupational Therapist. IN STATE: Tuition rates generally run around $7,000 per semester. (including books, and housing) OUT OF STATE: Tuition rates generally run around $15,000 per semester.(including books, and housing) Athletics ETSU Buccaneers compete within the NCAA and the Atlantic Sun Conference. Mens sports are Basketball, Baseball, Soccer, Cross Country, Golf, Track and Field, and Tennis. Womens sports are Basketball, Cheerleading/Dance, Softball, Soccer, Cross Country, Golf, Track and field, Tennis, Volleyball. Facts about an Occupational Therapist ETSU HISTORY: ETSU CAMPUS ETSU was founded in 1911 as a teacher college. ETSU has grown into a multifaceted four-year public liberal arts, propelling students forward with over 125 undergraduate, graduate, and doctoral programs. With over 40 states and 60 foreign countries represented in the student body, ETSU is a melting pot of diversity and an environment of enhanced educational opportunity. What is an Occupational Therapist?

Personal Finance Presentation

Transcript: Banking Today we will go on a journey from writing the check all the way to collecting interest on the money to answer "How does the process of check to bank work?" By: Cole Pilachowski Imagine you are working for your neighbor, mowing his lawn for $25. When you finish, your neighbor tells you he's out of cash and doesn't know how to write a check. You tell him, "I know how to write one! It's easy!" Checks: How to Write Them 1. Checks On a check, there are many things to fill out. You fill in the date, write who or what you're giving money to on the "Pay to the order of" line, and write the amount in numbers on the right of the dollar sign. Next, you write the amount in words. The banks will trust that over the amount in numbers, so make sure you have that part correct. After that, write in why you are giving money on the memo. Finally, sign the check and you're done! What To Write On A Check What To Write Afterward, After you help out your neighbor, he fills out the check and hands it to you. You feel accomplished for doing the hard work of mowing his lawn, as well as helping him write out the check. Now that you have your very first paycheck, you want to put it in the bank right away. You go to your parents for help, but they say to research where you want to put your money. While researching, you see something called a credit union. "What is this, and how is it different from a bank?" you ask yourself. Banks Vs. Credit Unions 2. Banks Vs. Credit Unions The main difference between banks and credit unions is whether they are for profit or not. Banks are for profit, as they charge high fees, aren't the best with customer service, but they do have rewards programs for customers as well as low rates. Credit unions are not for profit, so they have lower fees and better customer service, while having higher rates than a bank would. Banks are also much more convenient than credit unions, due to them being in almost all major cities. If you live in a small town and/or don't want high fees, choose a credit union. If you live in a bigger city and/or like to earn rewards from the bank, choose a bigger bank. The Difference Between Banks and Credit Unions What's The Difference? Afterward, After you make your decision, you go to your parents. "I've made my choice," you tell them. You want to go with a bank. They have better rates and there is one right downtown to go to. You are going to have your own savings account! Now that you have your own savings account, you realize you don't really know what that means. For example what are the rates and why are they good. You decide to research them as well. Savings Accounts 3. Savings Accounts A savings account is for storing away money that you don't need at the moment. If you want to save for a new pair of shoes or to buy a new phone, you should establish a savings account and add money to it every month. Rates for savings account range from .01% to 2.10% per year, so if you want to open one check and see what rates each bank has to offer as well as benefits along with the rate. What is a Savings Account? What is a Savings Account? Afterward, After researching, you know for sure you want to put your money in a new savings account. You go to your parents and ask them to set up the account for you, which they agree to. The next business day, your mom takes you to the bank to cash your first ever check. After that's done she tells you that now that it's in the bank, you'll collect interest on it. "What's interest?" you ask. "Well, I'll explain it to you," she responds. Interest 4. Interest Interest is when a bank adds money onto the amount you already have at different rates based on what kind of account you have, how long you've had it, and what bank you have invested your money into. Interest can collect once a year (Annually), twice a year (Semi Annually), four times a year (Quarterly), or twelve times a year (Monthly). Interest starts with your principal, or the amount of money that you start with in an account. Banks can build off of your principal in two ways - simple or compounding. How Does Interest Work? How Does Interest Work? Afterward, After she explains it to you, you ask her if you have to do anything to get interest. "No, all you have to do is keep your money in the bank," she answers. "Awesome! Free money!" you say back. "Well, not exactly..." she replies. On that same car ride, while thinking about interest, you ask, "What is the difference between simple and compound interest?" Your mom thinks it over for a second and then says, "Well, it's a little complicated, but I'll try to explain," Simple Vs. Compound Interest 5. Simple Vs. Compound Interest Simple and compound interest are very different. Simple adds the same amount every time it adds interest, calculated off of your principal, or original amount. Compound, on the other hand, adds off of the principal just once, and after that it adds interest based on your principal and the first amount added and so on.

Personal Finance - Presentation

Transcript: Seeing the Bigger Picture - Kevin Cope Nikhil Nilagiri Finance (p5) - Book Presentation Chapter 1 #1 Driver for Business Need for Cash - Failure Means of measuring Cash Driver #1 - Cash Cash Positions Cash Position - Amount of money a business has at a single time. - Money that can be used NOW - Cash on premises that had not been deposited ( Cash on hand) - Financial instruments that can be sold quickly (cash equivalent) Cash Flow Cash Flow - Volume of cash that flows through business - &+ cash flow - More cash inflows than outflows (+) - More cash outflows than inflows (-) - Cash Flow ≠ Profit - More cash flow --> More growth Liquidity Liquidity - The ability to generate cash quickly with less cost - Companies that grow money pushes investors away - For emergencies, selling assets is great - Combination of cash flow and position Chapter 2 Driver #2 - Profit - Arguably second most important aspect of a business - Difference in selling goods vs producing them - Future of companies depends on this - Can be earned in many ways Measures Gross: Sales Price - Cost of Goods - Net: Companies Revenue - Sales Price - Indicators of financial health - Gross can be used to measure much a product is earning - Net is to show how profitable a company is Profit Margin: - Amount of profit divided by amount of revenue - Shows how effectively a company turns revenue into profit Different forms of measuring profit Chapter 3 Driver #3 - Assets - Assets are items your company owns - Assets strength is important for investors - Asset Strength and Utilization Strength Asset Strength Liquidity: - Liquid assets are very useful for a company - Measured by amount and nature - Anything that impacts cash positively strengthens assets Utilization Asset Utilization - How effectively you use assets to produce revenue or reduced costs - Invest money into liquid or real estate - The amount of work accomplished or goods produced via assets used Chapter 4 Driver #4 - Growth - Increasing sales revenue and profits every year - Growth is reflected on a companies income statement - Top line and bottom line growth - Organic and Inorganic growth - Neither are better - balance Driver # 5 - People Chapter 5 - Employees are the foundations to success - Put effort in hiring - Companies strive for a strong, positive employees focused culture - Essential to provide good service to customers - Maintain a good reputation - Satisfaction & loyalty is expected not achieved. Chapter 6 Chapter # 6 Linking the 5 Drivers - Essential to make money using the 5 drivers - Cash, Profit, Assets, Growth and People - Drivers are independent - Different departments prioritize different drivers - Make sure to use external environments - Like the stock market to your advantage - Seeing the Bigger Picture Chapter 7 Simplifying Financial Statements Different kinds of Financial Statements - Income statements, Balance Statements, Statement of Cash Flows - Reflect preference around 5 drivers - Cash for statement of Cash flows - Profit for income statements - Assets for Balance sheets - Growth through all 3 --> People-Reflects on how valuable employees are to customers - Measured by Amount, Trend, Ration and Comparison to competitors Chapter 8 Chapter #8 - Income Statements Tracking Profits --> Revenue - Expenses = Profit (Net Income) - Income Statements measure profitability - Revenue - Cost of goods sold - Gross Profit and Margin - Operating Income - Net Income (profit) - Earnings per Share (EPS) Chapter 9 Balance Sheet Tracking Assets - Provides info on assets, liability and equity Equity = Assets- Liabilities Assets = Liabilities + Equity - Measure financial strength - Financial "snapshot" taken end of quarter, month etc - Liabilities are in order of due first to latest - Debt to equity ratio is used to finance growth for company - Anything done to impact cash, profits and assets influences balance sheet Statements of Cash Flows Chapter 10 Measure the amount of cash your company generates and uses - Cash from operating activities + Cash from financing activities = Net change in cash - You want cash from operations to increase each year - Operating, investing and financing activities are primary/use of cash - Cash from investing and financing activities might be positive or negative Summary Summary - 5 Drivers: Cash, Profit, Assets, Growth, People - Bigger Picture is about how well you utilize the 5 drivers - 3 Financial Statements: Statement of Cash Flows, Income Statement, and Balance Sheet - Goes with the 5 drivers.

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