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https://www.fnb.co.za/invest/index.html | When it comes to saving money, one of the first things that you should do is to be realistic about your current financial situation. For example, if you have any debt, don’t ignore it, because ignoring it won’t make it go away. Instead, it will only accumulate more interest and, therefore, slow down your financial progress. Read this document to learn about the dos and don’ts of saving.
https://www.fnb.co.za/invest/index.html | Delaying the process of saving money will cost you in the future. Yes, you might not be making a lot of money now but with the best savings account and a little guidance, you can easily turn the little that you have today into a whole lot for tomorrow. There are also many other great habits that you’ll develop from saving money. Read through the case study of Peter, Joe and their finances and learn more about how to invest your money.
https://www.fnb.co.za/business-banking/investments/business-flexi-fixed-deposit.html | The easiest way to make a safe investment is to open a Flexi Fixed Deposit Account with FNB. You’ll have to choose between a 3 month and 12 month deposit term, and you’ll be able to make two withdrawals (of 15% each) during this period. The best way to make certain that a Flexi Fixed Deposit Account is the right type of investment account for you, is to make sure you’ve read the rules and regulations.
Microsoft PowerPoint is one of the most popular presentation programs supported by both Mac and PC platforms. Microsoft PowerPoint can be used to create interactive presentations for classroom, business, or personal use. To begin Microsoft PowerPoint, go to Start Menu > All Programs > Microsoft Office > Microsoft PowerPoint 2010 (Figure 1). Select PowerPoint Presentation from the Project Gallery if a blank document does not open. Computers crash and documents are lost all the time, so it is best to save often! Saving Initially Before you begin to type, you should save your document. To do this, go to File > Save As (Figure 2). Microsoft PowerPoint will open a dialog box where you can specify the new file’s name and location where you want it saved. Once you have specified a name and a place for your new file, press the Save button. By default, the format for PowerPoint 2010 is .pptx (Figure 3) not .ppt like in previous versions. Note: If you want to save your document on a Mac and then open it on a PC you must specify a file extension (i.e. .ppt). Usually your computer will do this for you, but if it does not you must do this process while in Save As. Once you have named your document, you change the file extension by clicking Save As Type > PowerPoint 97-2003 Presentation (Figure 4).
We are very pleased to offer you a position as a Postdoctoral (appointment type) with the University of New Hampshire (UNH) in the department of __________________, effective _______. You will be responsible for _______. (See also attached list of general responsibilities for postdoctoral appointees.) Your appointment period will be from_______to________ with an initial salary of $_______. You will be paid on a bi-weekly basis and have the option for direct deposit. You will be eligible to participate in UNH's annual salary increase program based on your faculty mentor's recommendation, consistent with sponsor and University System of New Hampshire (USNH) salary increase guidelines and availability of funds. The terms and conditions of your employment will be governed by applicable University System and UNH policies. See www.usnh.edu/olpm/ This job offer and start date are contingent upon successful completion of the background check process. You will receive an email from the background check vendor, HireRight, with instructions to complete the background check process. Please respond to this request at your absolute earliest as the background check can take up to two weeks to process. This offer is also contingent upon your availability to be legally employed in the United States. The I-9 and W-4 forms must be completed prior to your first day of employment. Acceptable I-9 documentation must be presented to (Person, Department, Location) for verification.
This letter is to offer you the position of the ___________________ at the University of New Hampshire (UNH) (indicate full department name) ________________________, effective ______, with an hourly rate of $ ________ (for OS) OR an annual salary of $ ______ (for exempt staff). You will work under the direction of ________________, at (address of where hire will be working. This job offer and start date are contingent upon successful completion of the background check process. You will receive an email from the background check vendor, HireRight, with instructions to complete the background check process. Please respond to this request at your absolute earliest as the background check can take up to two weeks to process. This offer is contingent upon your ability to present proof of valid work authorization *for the period covered by this offer (*for term or grant positions). The I-9 and W-4 forms must be completed prior to your first day of employment. Acceptable I-9 documentation must be presented to (Person, Dept, Location) for verification. This appointment is _________% time. You will be paid on a bi-weekly basis and have the option for direct deposit. The terms and conditions of your employment will be governed by applicable University System of New Hampshire (USNH) and UNH policies. See www.usnh.edu/olpm/. (for heavy duty positions)…This assignment to work will follow a medical examination, which will be scheduled by your department, to determine your ability to perform the essential requirements of the position. (for safety sensitive positions)…This assignment to work is contingent upon passing (negative result) a drug and alcohol screening test and having no violations of DOT agency regulations documented in the records of drug and alcohol testing carried out by previous employers during the previous two years. You are required to provide written consent for UNH to obtain such records as are required by DOT agency regulations. In this assignment you will also be subject to ongoing random drug and alcohol screening.
The Department of Financial Institutions (DFI) created this report as an educational tool for policy makers and other interested parties. The statistics presented in this report represent data reported to DFI from all payday lending licensees for calendar year 2011. NOTE: DFI is not able to track data from unlicensed Payday Lenders. What is a Payday Loan? Payday loan companies offer small, short-term, high interest loans secured by a post-dated check. The consumer’s post-dated check is written for the loan amount plus a fee. The check is held by the lender for the loan period (term). At the end of the term, the lender may deposit the check or the customer may reclaim the check with cash. The legislature passed Washington’s first payday lending laws in 1995 under the Check Cashers & Sellers Act (RCW 31.45). DFI is the regulator of payday lenders in Washington State. What is Allowed in Washington State? Maximum Loan Term: Maximum Loan Amount: Maximum Fee: 45 days $700 15% on the first $500 10% above $500 Example: A loan for $500 + $75 fee = $575 A loan for $700 + $95 fee = $795 Payment Plans and Installment Plans Borrowers are entitled to an installment loan at any time prior to default. Borrowers do not have to pay a fee for the installment plan and have from 90 to 180 days (depending on the original loan amount) to repay the loan in a series of installments. The number of payday lending locations decreased 30% from year-end 2009 to year-end 2010, and decreased another 40% from year-end 2010 to year-end 2011. Overall, the number of payday lending locations has decreased 65% since its height in 2006.
I n spite of public controversy and warnings from regulators, a few national and regional banks are routinely making payday loans, marketed under more appealing names. As shown by previous research and discussed here, these loans are promoted as a short-term solution to a financial shortfall, but in fact they keep borrowers trapped in extremely high-cost debt for a significant portion of the year. Bank payday loans are structured in the same way as other payday loans. The bank deposits the loan amount directly into the customer’s account and then repays itself in full, plus a very high fee, directly from the customer’s next incoming direct deposit of wages or funds such as Social Security checks. If the customer’s direct deposits are not sufficient to repay the loan, the bank typically repays itself anyway within 35 days, even if the repayment overdraws the consumer’s account, triggering high overdraft fees for subsequent transactions. The great majority of banks do not offer payday loans, but as of August 2013 we are aware of at least six that do: Wells Fargo Bank, U.S. Bank, Regions Bank, Fifth Third Bank, Bank of Oklahoma and its bank affiliates,1 and Guaranty Bank. The federal prudential banking regulators—who have long expressed concern about payday lending and who stopped banks from partnering with non-bank payday lenders years ago—have recently expressed serious concern about bank payday lending and proposed guidance that would put in place important protections. In addition, the Consumer Financial Protection Bureau (CFPB) recently released initial findings based on its analysis of bank payday data, expressed concern based on those findings, and indicated that it will take further action to address those concerns. CFPB’s findings are noted throughout this chapter, and the supervisory developments are discussed in the Legislation and Regulation section at the end.
Payday or deferred deposit loans may offer quick and easy access to money for consumers who have temporary cash flow needs or are facing a financial emergency and need to borrow funds for a short length of time. These loans may be less costly than overdraft and late fee charges imposed by other financial institutions, if paid back on a short-term basis. You are encouraged to read this brochure to learn more about payday loans and your rights and obligations you have under the law. An Introduction to Payday and Deferred Deposit Loans Payday or Deferred Deposit loans are commonly referred to as cash advance loans, postdated check loans or check advance loans. These loans are meant to be short-term (Utah law limits the extension of any loan to not more than 10 weeks) and are most advantageous to the consumer if paid within the original contract term. How You can Obtain a Payday Loan Utah Department of Financial Institutions P O Box 146800 Salt Lake City UT 84114-6800 801-538-8830 www.dfi.utah.gov
As of 2008, 95 of Kentucky’s 120 counties were home to 782 licensed deferred deposit lenders—also known as payday lenders. Using national data on number, size and fees associated with loans as well as information on average fees in Kentucky, the Center for Responsible Lending estimates local impacts of payday loans on a county-bycounty basis (Table 3). High interest rate lending has a long history in Kentucky. During the early 1930’s “Kentucky represented one of the last bastions of boodle for the nefarious loan sharks… Kentucky [was] known as the Bankruptcy State and Louisville as the Bankruptcy Capital of America.” Kentucky passed the Small Loan Law in 1934 and brought an end to legalized loan sharking. Borrowers enjoyed protection from most predatory small loan products from 1934 until payday lending re-emerged in Kentucky in 1992. The payday lending industry operated in the Commonwealth without the benefit of enabling legislation until 1998. In 1998 the General Assembly legalized deferred deposit transactions and freed the payday lending industry from the constraints of usury statutes.