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Author: admin | Category: Auto Rate Calculator | Date: 04.04.2016

Around 24 lakh students took loans for education with banks having an outstanding amount of Rs 52,000 crore, Union Finance Minister P Chidambaram said today, as he asked banks to lend more money for this purpose. Chidambaram also asserted that his ministry was committed to the education loan programme of the banks.
Chidambaram was speaking at a function after formally inaugurating the Indian School of Business (ISB) campus here. The banks had Rs 27,000 crore outstanding on education loans as of March 2009, Rs 35,850 crore as of March 2010 and Rs 41,340 crore such loans as of March 2011, as per the data from the Reserve Bank.
Urging the young talent to contribute in building India, Chidambaram asked those who have spent some years abroad to return and help meet challenges faced by their own country. He asked the young talent to ask themselves a few questions as to in which other country of the world does one need to add 1,00,000 MW of power, construct thousands of kms of roads, bring drinking water and sanitation to over 700 million of people."The greatest challenge is to build India," he said referring to the brain drain. The Re- union of 1997 Ba€™com Batch of MIlagres College, Kallianpur was held as on 14-8-2016 at the college premises. As soon as your financial loan is accepted after that a person can get your financial loan package deal at following day. Enter your loan amount, interest rate, and loan term in the fields provided, or use our sliders to estimate how much your monthly payment will be.
You will get your auto payments through $500 each year normally by re-financing with capital 1 auto financial. What are Financial Statements, why are they important, and why do financial analysts use them? Income Statement: Reports a snapshot of a companya€™s business performance over a period of time.
Balance Sheet Statement: Reports a snapshot of a companya€™s outstanding balances in various accounts at a specific point in time. Statement of Cash Flows: Reports on all of the companya€™s activities that affect its cash position over a period of time. These financial statements all aim to provide an overview of a businessa€™s performance and position, either over time, or at a given point in time. Financial statements are issued by companies and reviewed by the Securities & Exchange Commission (SEC). All publicly-traded companies are required by the SEC to file quarterly and annual reports. Annual reports are filed as 10-Ks with the SEC and must be filed within 60 days of the companya€™s fiscal year end.
Quarterly reports are filed as 10-Qs with the SEC and have to be filed within 40 days of the end of the fiscal quarter. Cost of Goods Sold (COGS) represents direct costs of producing goods and services that the business has sold, such as material costs and direct labor. Net Interest Expense represents the total Interest paid on Debt liabilities, net of the total Interest received on Cash assets. Net Income represents the companya€™s profit, which is Revenue minus all of the aforementioned costs and expenses. EPS equals Net Income (after dividends on preferred stock) divided by the companya€™s Weighted Average Shares Outstanding.
EPS is an extremely important metric of a companya€™s value: it represents the profit generated by the company for each shareholder. The Balance Sheet provides a snapshot of a companya€™s financial position at the end of a period (either quarterly or annually). This may seem like an obvious statement, but in producing financial models it is easy to make an error wherein the balance sheet does not properly balance, which will lead to serious problems with financial projection.
As demonstrated above, the difference between Assets and Liabilities is Shareholdersa€™ Equity. Current Assets: Assets whose value is expected to translate into Cash in the near future (generally within one year).
Other or Long-term Assets: Assets whose value will not translate into Cash in the near future (outside of one year).
Debt (Liability): An obligation (almost always interest-bearing) that represents borrowed money that the company must repay.
Current Liabilities: Liabilities that a company must meet (via payment) in the near future (generally within one year). Other or Long-term Liabilities: Liabilities that do not need to be met (via payment) in the near future (outside of one year).
The Statement of Cash Flows, or Cash Flow Statement (CFS), provides an accounting of the Cash being generated by a business, and the uses of that Cash, over a period of time. Generally speaking the CFS will provide a clear view of the short-term viability of a business and its ability to pay its debts.
Now that you are familiar with the three main Financial Statements, we can ascertain how they all tie together. Cash: Ending Cash on the Cash Flow Statement flows into Cash within Current Assets on the Balance Sheet.
Shareholdera€™s Equity: Net Income (Earnings from the Income Statement) after Dividends Paid flow into Retained Earnings in Shareholdera€™s Equity. Beginning Cash: This is equal to the previous perioda€™s ending Cash balance on the Companya€™s Balance Sheet. Capital Expenditures (CFI): This is money spent on Long-term (Fixed) Assets on the Balance Sheet.
Repayments of and Proceeds from Long-term Debt (CFF): This is money raised from, or used to repay, Long-term Debt obligations (Liabilities) on the Balance Sheet. Ending Cash: This is equal to the current perioda€™s ending Cash balance on the Companya€™s Balance Sheet. Depreciation is an especially tricky line item because it affects all three Financial Statements, but is often not broken out directly in the Income Statement even though it is an annual expense.
Income Statement: Depreciation is an expense on the Income Statement (often buried inside displayed line items such as COGS). Cash Flow Statement: Because Depreciation is incorporated into Net Income, it must be A added back in the SCF, because it is a non-cash expense and therefore does not decrease Cash when it is expensed. Balance Sheet: Net Fixed Assets (generally Plant, Property, and Equipment) is reduced by the amount of the Depreciation. Muhammad Ali Jinnah University Admissions 2016, Muhammad Ali Jinnah University Karachi, Admissions Open in Muhammad Ali Jinnah University, Karachi Universities Admissions, Admissions in Muhammad Ali Jinnah University Karachi 2016 in Daily Dawn Newspaper Ads. Papersblog provide newspaper ads with latest jobs in Pakistan from Karachi, Lahore , Islamabad and all major cities.
The frenzy is happening all over the United States at this very moment.Parents are poring over brochures showing pictures of students in front of lush trees.
In addition, greater gender and racial acceptance over the last decades has meant colleges are more heavily recruiting diverse students. International students come to the United States seeking undergraduate degrees more, and that means American undergrads face more competition from home and abroad. But even domestic students have more choices now than in the past, thanks to easier-to-access airline transportation and telecommunications which make parents more willing to send their kids across state lines. The increase in students and applications continue to push acceptance rates lower and lower.
Met with an influx in applications, selective colleges have refined the way they look at students.


But aside from the standardized testing, rigorous coursework and grades, students must develop their personalitya€™s unique dimensions, if they want to get into the elite schools.
They also need a fantastic application, which has pushed the age when a student needs to start thinking about college earlier and earlier. Where a student goes to college is a lot more important in American society than it was decades ago. Some of the competition can likely be attributed to the growing options for college and the need to separate elite from average students now that a college degree isna€™t rare. New research has shown not only college completion but also college prestige is now important in selecting mates. Another drive of the stress surrounding college admissions is no doubt the cost of college. In response to the rising cost of college, more students take out loans, and those taking out loans borrow more money.
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Get into account information with regard to login, and begin enjoying almost all online benefits as well as features provided by Capital One. This statement indicates how much revenue (sales) is generated by a business, and also accounts for direct product costs, general expenses, Interest on Debt, Taxes, and other expense items. The purpose of this statement is to demonstrate a businessa€™s financial heath at any given time, by enumerating it assets as well as the claims against them (liabilities and equity). These activities are broken down into three primary categories: Operating, Investing, and Financing.
The SEC requires publicly-traded companies to file quarterly and annual results of operations. Private companies are not required to file financial reports, although some may have to if they have publicly traded debt. 10-Ks are much more detailed than quarterly reports (10-Qs, discussed below), and contain information such as the companya€™s Business Overview, Risk Factors, Financial Data (Income Statement, Balance Sheet, and Statement of Cash Flows), Management Discussion & Analysis, and other important disclosures. 10-Qs are less detailed than annual form 10-Ks but do provide helpful detail around the quarterly Financial Data (Income Statement, Balance Sheet, and Cash Flow), Management Discussion & Analysis, and other Company disclosures. This will include salaries, shipping, insurance, utilities, rent, compensation for executives, etc. D&A that is directly related to production will generally be included in COGS and will be separated out on the Statement of Cash Flows (more on this later).
Shares Outstanding will typically be found either on the Income Statement, below Net Income, or on the first page of the most recent 10-Q or 10-K. It will be used extensively when working through valuation techniques such as Comparable Company Analysis and Precedent Transaction Analysis. The balance sheet lists company Assets, Liabilities, and Shareholdersa€™ Equity as of a specific point in time. In other words, the value of a companya€™s equity is equal to the value of its assets net of the outstanding obligations it has to other entities.
For accounting purposes, Cash generally includes currency and coins on hand, checking account balances, and undeposited customer checks.
Most Long-term Assets are classified as a€?Operating Assets,a€? or Assets required by the company as part of the functioning of its business operations.
Debt is usually part of Long-Term Liabilities (see below), although any portion of Debt which must be repaid within the next year will be classified as a Current Liability.
Most Current Liabilities (other than Debt) are classified as a€?Operating Liabilities,a€? or Liabilities generated by the company as part of the functioning of its business operations. Most Long-term Liabilities are classified as Debt, although some qualify as a€?Operating Liabilities,a€? or Liabilities generated by the company as part of the functioning of its business operations. This represents the value of the companya€™s assets after all outstanding obligations have been paid off.
The CFS shows how Net Income (from the Income Statement) and changes in Balance Sheet items affect a companya€™s Cash balance. If the business is not generating enough Cash from its operations to service its obligations, it should be evident from its CFS. This includes earnings delivered by the company as well as payments collected from its customers. Cash Flow from Investing Activities (CFI) includes the purchases of Fixed (long-term) Assets and maintenance of those Assets (Capital Expenditures), payments made for M&A activities (usually acquisitions of other companies), or Cash generated by Marketable Securities or other non-operating uses of Cash. Cash Flow from Financing Activities (CFF) includes the Cash inflows from shareholders and lenders as well as the outflows of dividends or sales of stock. This important concept will come into play directly in building financial models that help determine a companya€™s value.
In other words, the company did not actually spend the money being represented by Depreciation during the perioda€”that Cash expense was recorded as a Capital Expenditure in a prior period.
The change in these Assets should equal Capital Expenditures minus the yeara€™s Depreciation on these Assets.
We are providing all Pakistan Newspaper Jobs, Banks Jobs, Police Jobs, NGOS Jobs, Wapda Jobs, Pak IT Jobs, Educators Jobs, Board Results, Columns, Tenders as well as Latest Jobs in Pakistan. Tenders , admissions and newspaper jobs cuttings are in scanned forms and are updated daily. Although percentages of college enrollment have increased for all racial groups, Hispanic and blacks have seen the highest increases. At Emory University, international first-year enrollment has increased from 1 percent in 1997 to 15 percent currently, according to Scott Allen, senior associate dean of undergraduate admissions. Students apply to more colleges now, because of this and because of the common application, which has made applying to multiple schools as simple as a few more clicks. In 1988, the acceptance rate for Columbia University in New York was 65 percent, according to U.S. In the 1980s and before, colleges looked primarily at scores on standardized tests and grade point averages. They need to speak French, play the sitar, volunteer to clean up their local rivers, play on the schoola€™s soccer team and hold a position in the student government, on top of high grades and test scores.
At Columbus High school in Georgia, where Wingard taught, students begin projects on college in the ninth grade.
Sevier says she sees more students with anxiety issues, depression and other significant mental health issues in her office. Previously, a college degree was something to be proud of, and while that certainly is still the case, where a student got the degree is more important than ever -- to employers, strangers and potential spouses. After discounting for grants, the cost of college has increased for families at all income levels. In 2011-2012, about 68 percent of young adult undergraduate students in their fourth year of college or above received loans, up from half in 1989-1990. Parents want to know they, and their students, are getting the best education for the money and can turn to online resources to How much should you keep in a savings account? Gerald Pinto, Campus director Rev Dr Fr Prakash Anil Castelino and retired Professor Peter D Souza were present during the event.
The purpose of this statement is to show the companya€™s level of profitability, which is equal to a companya€™s Revenue net of its expenses. The purpose of this statement is to give a detailed reconciliation of how the companya€™s Cash is being used (and how much Cash is being generated).


For example, in the Statement of Cash Flows, a detailed account of the change in a companya€™s Cash balances is given. These are the summarized financial results of the company, and they are the backbone of financial modeling, company profiles and pitch book presentations. The Income Statement represents items over a period of time, usually over a quarter (3 months) or a year.
It can also be calculated as the average of the number of common shares outstanding at the beginning of the period and end of the period (from the companya€™s Balance Sheet).
This is, from an accounting (or a€?booka€?) perspective, what the value of a companya€™s shareholders positions a€?should be.a€? As we have seen, there are many reasons why a companya€™s equity will trade at a different valuation in the market than that derived from the Balance Sheet (usually, and hopefully, at a higher valuation than Book Value). Most Current Assets besides Cash are classified as a€?Operating Assets,a€? or Assets generated by the company as part of the functioning of its business operations.
The bottom line, therefore, is that the CFS reflects a companya€™s liquidity, solvency, and ongoing viability. In its simplest form, Cash Flow from Operating Activities (CFO) will equal Net Income + Depreciation & Amortization a€“ changes in Operating Working Capital. Items found in this line item will include: Dividends Paid, Cash raised via the sale of Common Stock, Cash proceeds from Borrowings (Debt), and repayment of Debt obligations. For example: if a€?Accounts Receivablea€? (an Operating Current Asset on the Balance Sheet) falls, this is because a customer had paid its bill and hence Cash increases. In particular, practically every line item on the SCF is connected to one of the two other statements.
That value is allocated over a long time horizon, and Depreciation in any given year represents that yeara€™s ascribed value of the Assets being used. It also reduces Net Income A and therefore Retained Earnings (Shareholdersa€™ Equity) as well. On Papersblog you can search blog Jobs, Paperpk Jobs, Paperpk Jobs Ads, PaperpkAds Jobs in newspapers like Jang , Dawn, Express, Nawaiwaqt and other today newspapers. Admissions officials in the nationa€™s top colleges are beginning to court not just high school seniors to fill their next class, but also juniors, sophomores and freshmen -- even reaching out to some middle school students.This a€?right collegea€? frenzy is responsible for hundreds of millions of dollars in revenue for companies in college preparation and college admissions, and ita€™s shortening the childhood of our nationa€™s teenagers.
Essays much be interesting enough to set the student apart and are often worked on in class through multiple revisions. This added stress and anxiety affects students and parents that arena€™t gunning for the ivy leagues.
There is a lot more information on the Internet about colleges and data released on SAT, GPA and after college earnings, mean comparing schools is easier.
For those with high income, the cost for one year of college increased from $20,000 to $26,000 from the 1999-2000 year to the 2011-2012 year.
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This change must exactly match the change in Cash balances listed on the beginning and ending Balance Sheets for the Company. Papersblog also giving help to find out part-time and full time jobs as well as University, College and School Admission dates, Date Sheets and Board Results around Country.
All jobs in companies , admissions in Universities , tenders from private and government departments are updated daily Max 11 AM PST. The environment of college admissions has led to higher confusion, which means stress for parents and students. Our rankings and others like them have likely played a role, according to several sources interviewed. Similarly, many items in the Income Statement directly reflect changes in Balance Sheet accounts over time, and must match the changes there. Papersblog also offering part time jobs, full time jobs, students jobs and daily wages jobs in Pakistan. There are 5,000 colleges and universities in the United States; there are plenty of seats in the system overall. To get into elite schools, students now need highly personal letters, according to Wingard.
For example, if a company issues Debt (a Liability on the Balance Sheet), Cash will rise by the same amount as the value of the loan taken out. There are just a limited number of seats at the top.a€?Because of many changing factors over the past decades, the children of the baby boomers entered a college landscape drastically different from the one their parents saw.
The cost of a college education is 12 times higher than it was a generation ago, according to Mother Jones.
Similarly, if a Company repurchases common shares outstanding, Cash will decrease by the same amount as the value of the Equity being retired in the transaction.
The group of college-going students is larger than in the past and experiences more stress and a longer timeline for college admissions. However, that doesn’t mean that you need to keep your entire emergency fund in a savings account.Consider how much money you are likely to need access to quickly. While some see the payoff in the form of increased salaries after graduation, many never finish college or, if they do finish, they dona€™t obtain the skills needed for employment, and are saddled with loans they cana€™t pay.
I only keep about three weeks’ worth of expenses in the savings account portion of my emergency fund.
These factors have led to a crescendo over the last decade that is about to change the landscape of college admissions -- again.More StudentsThere are more students considering college than in the past. And that means more people to compete with and more students to choose from.From population increases seen with the children of the baby boomers, there are more college-aged students in general. Between 2000 to 2010, the population of 18 to 24-year-olds surged from 27 million to well over 30 million, a 13 percent increase.
The greatest increase of any age group was for the aging baby boomers -- 31.5 percent for ages 45 to 65 -- who are the parents of these college-aged students. Look at your own finances, and decide if a similar arrangement could work on your behalf.If you are still wary of investments, you can put a portion of your emergency fund in a savings account, and then use a CD ladder for better yields on the rest of the money.
You can keep two or three months of expenses in the savings account, and then set up a ladder in a way that a CD matures every two months.
Between 1980 and 2012, the overall college enrollment rates increased from 26 percent to 41 percent. You can keep renewing the CD when you don’t need the money for an emergency, and take advantage of rising rates going forward.You don’t have to keep all of your money in a low-yield savings account. Some will apply and are accepted into selective colleges (those that accept less than half of applicants) but the increase has also been driven by for-profit colleges.
About Miranda Marquit Miranda is a freelance writer and professional blogger specializing in financial topics.
The percentage of young women and men with at least a high school education increased from 79 to 84 percent for women and from 75 to 81 percent for men from 1980 to 2012.
There is a good chance that you can arrange matters to improve your yield over time, and still retain a level of security and liquidity. About Miranda MarquitMiranda is a freelance writer and professional blogger specializing in financial topics.
Her blog is Planting Money Seeds.Get weekly personal finance tips and tricks, as well as regular money saving deals.




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