Month: March 2020

Personal Loan Calculator – Estimate Monthly Payments

Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements. Loans are unsecured. Loans are fully amortizing personal loans as long as you pay on time.

You must have a minimum household income of $25,000 to be considered for a Discover personal loan. A Discover Personal Loan cannot be used to pay for post-secondary education or to pay off a secured loan.

Your APR will be between 6.99% and 24.99% based on creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 6.99% APR for a term of 72 months, you’ll pay just $256 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select.

We may

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International Business Center (CIBER) – Global Initiatives





About


The International Business Center (IBC) in the Broad College of Business at Michigan State University was
designated in 1990 as a National Resource Center by the U.S. Department of Education (i.e., a Center for
International Business Education and Research). Our mission is to provide superior education, research, and
assistance to businesses, public policy makers, academics, and students on international business and trade.


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IBC Fact Sheet


Annual Report

In 2004, MSU-CIBER began publishing an Annual Report. The purpose of these reports is to highlight our programs and activities.


Annual Report (PDF)



globalEDGE™ is the world’s leading online source in “international business” (as ranked by major search engines). globalEDGE is developed by the MSU International Business Center as “Your Source for Global Business Knowledge.” http://globalEDGE.msu.edu


Established in 1959, AIB has 3491 members
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Climate Finance Overview

The World Bank Group (WBG) is working on innovative solutions to help countries meet their climate commitments.

  • The World Bank Group’s Climate Change Action Plan (2016-2020) lays out ambitious targets to be met by 2020, including helping client countries add 30 gigawatts of renewable energy, put in place early warning systems for 100 million people, and develop climate-smart agriculture investment plans for at least 40 countries.
  • In December 2018, the World Bank Group announced a new set of climate targets for 2021-2025, doubling its current 5-year investments to around $200 billion in support for countries to take ambitious climate action. The new targets build on the World Bank Group’s 2016 Climate Change Action Plan.
  • The World Bank recently launched a new Action Plan on Climate Change Adaptation and Resilience. Under this dedicated plan – the first of its kind – the World Bank Group will ramp up direct adaptation
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Health Reform and Your Insurance Options

The world of health insurance is going through a lot of changes. If you’re trying to get your bearings, take a look at what’s different since the health reform bill became law.

The highlights:

  • No one can be denied coverage because of health problems they had in the past. This is known as a “preexisting condition.” In addition, health insurance companies cannot charge you more if you have a preexisting condition.
  • If you have children who are 19 to 26, they can stay on your insurance plan.

  • Insurance plans, with some exceptions, now cover some preventive medical services. You won’t need to pay a co-payment or reach the deductible first. These preventive services include certain vaccinations and screenings.


Health insurance Marketplaces are set up in each state or by the federal government. Marketplaces, also known as Exchanges, are websites where you can shop

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Business Formation – Choose a Business Structure: LLC, Corporation, Sole Proprietorship, Partnership

Common questions

What is a limited liability company?

A limited liability company, or LLC, is a business entity created under state law that combines characteristics of both a corporation and a partnership. Like a corporation, the owners of an are generally not personally liable for company debts. Like a sole proprietorship or a partnership, an LLC is, by default, a “pass through” entity for tax purposes. This means that the LLC does not pay taxes on its profits, but instead, profits and losses are “passed through” to the owners, who must then pay tax on their share of LLC income.

How does a corporation protect my personal assets?

If a business operates as a corporation, the business owners, called shareholders, are not personally liable for debts or other claims against the corporation. That’s because the corporation is a separate legal entity from its owners. If a corporation complies with the

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T-Mobile MONEY – Apps on Google Play

T-Mobile MONEY puts you and your money first. Everyone earns 1.00% Annual Percentage Yield (APY) on all balances and T-Mobile wireless customers with qualifying service who deposit at least $200 a month can earn an industry-leading 4.00% APY* on checking account balances up to $3,000.

No account fees, no maintenance fees, and no minimum balances. Plus, access over 55,000 fee-free ATMs in the U.S. and abroad with the Allpoint® ATM Network – that’s more than Bank of America, Chase or Wells Fargo!

T-Mobile MONEY accounts are held at BankMobile, a division of Customers Bank.
All Rights Reserved. Member FDIC.

PAY THE WAY YOU WANT
Your T-Mobile MONEY account includes a debit card with EMV chip, plus it works with Google Pay and Samsung Pay.

HASSLE-FREE MOBILE BANKING
Easily transfer money to and from your external accounts. Send a check, pay bills, or direct deposit a portion or all of your

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Protecting Personal Information: A Guide for Business

Most companies keep sensitive personal information in their files—names, Social Security numbers, credit card, or other account data—that identifies customers or employees.

This information often is necessary to fill orders, meet payroll, or perform other necessary business functions. However, if sensitive data falls into the wrong hands, it can lead to fraud, identity theft, or similar harms. Given the cost of a security breach—losing your customers’ trust and perhaps even defending yourself against a lawsuit—safeguarding personal information is just plain good business.

Some businesses may have the expertise in-house to implement an appropriate plan. Others may find it helpful to hire a contractor. Regardless of the size—or nature—of your business, the principles in this brochure will go a long way toward helping you keep data secure.

 A sound data security plan is built on 5 key principles:

  1. TAKE STOCK. Know what personal information you have in your files and on
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When Should You Have Life Insurance? What Are The Different Options?

Over the years, life insurance has also evolved to provide options for building wealth or tax-free investments. 

Who Needs Life Insurance FAQ

Is life insurance only for people who have a family to support? When should you buy life insurance? We’ll go through these questions and common scenarios of when life insurance is a good idea to buy based on different situations. This list will help you decide if it’s time for you to contact your financial advisor and start looking at your life insurance options.

Do I Need Life Insurance If I Have No Dependents?

There are instances where life insurance can be beneficial even if you have no dependents, the most basic of which would be covering your own funeral expenses. There may be many other reasons too. Here are some guidelines to help you decide if life insurance is the right choice for you:

At What Life

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Minority Business Development Agency

NOW OPEN: Nevada and New Mexico MBDA Business Center Grant Competitions

Loans & Grants

Learn more about available grant and loan programs, as well as information on loan packaging, private equity & venture capital sourcing.

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