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Topic: Financial return

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	J&L Financial Planner Historical Return Analysis
		The problem with most financial planning is they accept a return rate on each of your investments and project your financial future on those rates.
		In summary, the Historical Return Analysis is able to estimate the probability of achieving the success of your scenario by accounting for the yearly variability in the two main factors contributing to it's outcome, the return rate on your investments and the inflation rate.
		Each trial is a fully independent execution of your financial plan, where each year the return rate on your investments and the inflation rate can take on a range of values based on historical asset class return data.
	www.jlplanner.com /html/hist.html (759 words)

	Return of Financial Aid Funds Policy (Site not responding. Last check: 2007-10-29)
		The law provides that the student is not required to return 50 percent of the grant assistance that was received.
		Any amount that must be returned is a grant overpayment, and the student must make arrangements with the college or the Department of Education to return the funds.
		Financial aid will be paid to only to those students who are meeting SAP, and who are accepted and enrolled at Bainbridge College.
	www.bainbridge.edu /student/fina_aid/ret_fin.htm (444 words)

	FPA Journal - Personal Financial Ratios: An Elegant Road Map to Financial Health and Retirement
		When it comes to assessing the financial health of individuals, however, there are no comparable ratios that would allow investors to conduct a similar analysis of their personal financial circumstances.
		But the fundamental purpose of the ratios is to provide a quick financial assessment of the progress an individual is making toward his or her target retirement date under certain stated assumptions deemed reasonable by the advisor.
		Therefore, it is important for individuals to get their financial ratios in order at a young age, or they may find that they do not have enough time or income to rectify the situation.
	www.fpanet.org /journal/articles/2006_Issues/jfp0106-art6.cfm (5177 words)

	KSU Financial Aid - Return Of Title IV Funds
		In general, new Federal and State regulations assume that you “earn” your Federal financial aid awards and HOPE directly in proportion to the number of days of the term that you attend until you withdraw.
		If you completely withdraw from school during a term, the school must calculate according to a specific formula the portion of the total scheduled financial assistance you have earned and are therefore entitled to receive up to the time you withdraw.
		This means that 70% of your scheduled awards remain unearned and must be returned to the Department of Education or State HOPE office.
	www.kennesaw.edu /financial_aid/return_title_IV.htm (887 words)

	CIAS: Dairy grazing can provide good financial return
		An ongoing financial study of farms that use management intensive rotational grazing (MIRG) shows that generation of income is the main factor separating the farms with the best financial performance from those with the worst financial performance.
		Financial success is possible for operations set up as MIRG dairy farms and for confinement dairy farms that transition to grazing.
		One purpose of this study is to provide financial benchmarks for MIRG dairy farms to give dairy graziers some information to evaluate their farm’s financial position.
	www.cias.wisc.edu /archives/2000/01/04/dairy_grazing_can_provide_good_financial_return/index.php (1309 words)

	FPA Journal - Does the Mean Really Matter? Using Historical Rates of Return in Financial Planning Projections
		Financial planners of today have several sophisticated tools at their disposal for investment management and financial planning projections.
		It is our job to make their expectations of future returns more realistic, and to help prepare them for the uncertainty that they face.
		A simple reliance on the average return understates this risk, and will likely cause our clients to fail in their pursuit of their financial goals.
	www.fpanet.org /journal/articles/1998_Issues/jfp0698-art3.cfm (892 words)

	Office of Student Financial Aid - Return to Title IV Funds
		Financial aid (federal/state/institutional) is awarded to you under the assumption that you will attend school for the entire period for which the assistance is awarded.
		The amount for the return of funds is calculated based on the lesser of institutional charges (tuition and mandatory fees, special course fees, and housing charges if you live on campus) or Federal Aid (Subsidized and Unsubsidized Stafford Loans, Perkins Loan, Plus Loan, Pell and Supplemental Education Opportunity Grants) you were awarded.
		The Return of Title IV funds calculation is performed if the certified date of withdrawal is prior to the 60% point of term completion, and no calculation is required if the certified date of withdrawal is subsequent to the 60% point of term completion.
	www.finaid.wsu.edu /r2t4funds.htm (1163 words)

	Financial Return from Tropical Hardwood Reforestation
		It is very easy to create financial models that make it look like you will be richer than Bill Gates in a few years.
		In truth, even though our projections show that you could have an internal rate of return (IRR) of around 20%, we will be happy as long as it is in the neighborhood of 10%.
		One of the scams is to show returns on premium wood without explaining the challenges in producing wood this good.
	www.fincaleola.com /financial_returns.htm (1175 words)

	Mueller: Can Financial Assets Beat Social Security? Not in the Real World.
		Yet average real returns on financial assets since 1926 were higher -- about 7% for a portfolio of common stocks, and about 5% for a mix of common stocks and corporate bonds, compared with 3% real economic growth.
		The argument is typically reinforced by comparing the average real return on the stock market since the end of 1925 (about 7%), or on a mix of stocks and bonds (4% to 5%), with the average real rate of economic growth (about 3% in the past, but possibly lower in the future).
		Since we wish to compare this return with the risks and real returns of financial investments from 1926 to 1996, we need to find out the average growth rate of the economy (adjusted by the same price index), as well as its volatility, during the same period.
	www.ourfuture.org /issues_and_campaigns/socialsecurity/key_issues/privatization/readarticle59.cfm (6570 words)

	[No title]
		Calculating Return on Equity For publicly traded companies, the relationship of earnings to equity or Return on Equity is of prime importance since management must provide a return for the money invested by shareholders.
		Return on Equity is calculated by dividing $ 60,000 by $ 300,000 (average shareholders equity which is $ 315,000 + $ 285,000 / 2).
		Return on Assets is often modified to ensure accurate measurement of returns.
	www.exinfm.com /training/course01.doc (4024 words)

	Massachusetts College of Art: Financial Aid (Site not responding. Last check: 2007-10-29)
		The staff in the MassArt Financial Aid Office are committed to providing the resources needed to fund your education and to ensure that access to your chosen field is not limited due to the cost of attendance.
		Financial Aid Transcripts need to be requested from the Financial Aid Offices of the schools that you attended and are always free of charge.
		Financial aid is a supplement to the family resources if they are insufficient in meeting college costs.
	www.massart.edu /admin_and_finance/fin.aid.html (1615 words)

	WCTC - Financial Aid - Return of Federal Aid Policy (Site not responding. Last check: 2007-10-29)
		Because WCTC values you and wants you to be able to make an informed choice on the impact of leaving the college while classes are in session, we recommend that if you are considering withdrawing from all credit classes, that you first talk with your academic advisor or program counselor regarding this important decision.
		WCTC must also return a proportional part of your tuition to the federal funds that were originally used to pay your tuition.
		WCTC would return $900 to repay student's loan and would send a bill to the student for the $900.
	www.wctc.edu /web/finaid/app/return.htm (479 words)

	Financial Aid Return of Title IV Funds Policy
		The remaining 70% must be returned by the school and/or the student.
		The percentage of Title IV aid unearned (i.e., to be returned to the appropriate program) shall be 100% minus the percent earned.
		returning to the Title IV programs any funds that were disbursed directly to the student and which the student was determined to be ineligible for via the Return of Title IV Funds calculation.
	www.dt.uh.edu /admissions/financial_aid/return_of_title_iv_funds_policy.htm (789 words)

	Lake Superior State University :: Financial Aid :: Financial Aid Return
		If you are making any adjustments to your semester schedule, keep in mind that the Financial Aid Office will not recalculate student awards when a change in enrollment occurs after the end of the drop/add period.
		Then, your financial aid will be reduced in direct proportion to the length of time you remained enrolled, up to 60 percent of the semester.
		If there is still a credit on your account, the amount of the credit will then be applied to the remaining financial aid funds until the credit has been reduced to zero.
	www.lssu.edu /finaid/financial_aid_return.php (437 words)

	Communications Family Credit Union - Financial Resource Center
		The actual rate of return is largely dependant on the type of investments you select.
		From January 1970 to December 2005, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 11.4% per year.
		It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility.
	www.cu-village.com /cuv_calcs/index.php3?clientid=cu20831&calcid=37 (648 words)

	Financial Aid - Return of Title IV Funds
		During the first 60% of the semester a student earns Title IV funds in direct proportion to the length of time that he or she remained enrolled.
		An example of the Return of Title IV Funds Policy is available in the Financial Aid Office.
		It is very possible that a student who receives federal financial aid and withdraws from the College will owe a balance to the FSC Student Accounts Office and may be required to repay funds to the U.S. Department of Education.
	www.fsc.edu /finaid/refundinfo.html (405 words)

	Financial Scoreboard - Financial Dashboard™
		Click here to purchase and download Financial Scoreboard now and receive the essential companion book Managing by the Numbers, PLUS an introductory subscription to the Financial Dashboard™.
		The Purpose of the Financial Dashboard is to provide you a powerful tool with a simple and easy to understand interface that gives anyone the capacity “see” in graphical “whole pictures” the relationships between the financial statement fragments you currently use.
		Financial Scoreboard™ purchasers are automatically given a FREE trial subscription to Financial Dashboard at the time of purchase***.
	www.financialscoreboard.com /dashboard.html (715 words)

	Financial Aid Payments: Student Financial Services: Undergraduate Division: Northwestern University (Site not responding. Last check: 2007-10-29)
		If your student account indicates that you have a credit balance as the result of a loan that has not yet been disbursed, but for which anticipated aid has been applied to your account, you may be eligible for a cash advance in the amount of the anticipated aid.
		You are required to forward scholarship checks to the Office of Financial Aid for appropriate application of the funds to your student account.
		Financial aid recipients who withdraw from the University may be required to return a portion of their Title IV funds (excluding work-study earnings) to the federal programs as well as some of their state assistance, outside scholarships, and/or institutional financial aid.
	www.northwestern.edu /sfs/evugrad/paymntfa.html (1275 words)

	From tax return to financial planning engagement. (Personal Financial Planning)
		A checklist can be used during the preparation of the personal tax return as a way to structure the financial planning process and as a basis for the marketing presentation of further financial planning for clients.
		The review of the tax return, Form 1040, during the preparation, as well as periodically during the year, can give very meaningful openings into expanded financial planning services to clients, which will be welcomed and profitable.
		A checklist to be used during the preparation and review of the client's personal tax return is a simple way to begin the financial planning process.
	www.nysscpa.org /cpajournal/old/07917344.htm (1143 words)

	Rose-Hulman Institute of Technology - Financial Aid (Site not responding. Last check: 2007-10-29)
		The amount returned is based on the percentage of enrollment completed and is calculated by dividing the number of calendar days completed by the total number of calendar days in the quarter.
		The amount returned will be based on the percentage of enrollment completed and will be calculated by dividing the number of calendar days completed by the number of calendar days in the quarter.
		If this percentage is greater than 60 percent, no financial aid will be returned and the student will retain 100 percent of this aid to offset expenses.
	www.rose-hulman.edu /financial/refunds.htm (610 words)

	Expenses and Financial Aid
		The mission of the Office of Student Financial Assistance is to maximize the use of all federal, state, university, and private funds.
		The Financial Aid Office certifies a student's eligibility for the loan based on the student maintaining satisfactory academic progress and the student's willingness to repay the loan.
		Independent (based on Federal Financial Aid definition) undergraduates may borrow up to $4,000 the first and second years and a maximum of $5,000 a year if the student has completed two years of study.
	www.csuohio.edu /undergradcatalog00/geninfo/finaid/aid/finaid1.htm (1779 words)

	Expenses and Financial Aid: Cleveland State University Undergraduate Catalog
		The major sources of financial aid are university scholarships and grants, federal aid programs, state-supported programs, and a number of sponsored scholarships described in this section.
		To receive financial aid or a determination of eligibility for financial aid, students must be admitted into a degree-granting program at Cleveland State.
		Independent (based on Federal Financial Aid definition) undergraduates may borrow up to $4,000 their freshman and sophomore years, and a maximum of $5,000 a year after having earned 60 or more credit hours.
	www.csuohio.edu /undergradcatalog/geninfo/finaid/finaid.htm (1997 words)

	UF Student Financial Affairs
		If you are receiving financial aid, your refund will be returned first to the aid programs and any additional amount remaining will be mailed to you.
		Any amount you do have to return is a grant overpayment, and you must make arrangements with UF or the U.S. Department of Education to return the funds.
		UF is required to return to the applicable federal program account the unearned percentage of institutional charges (tuition, fees, on-campus housing).
	www.sfa.ufl.edu /receiving/withdrawalrefund.html (2094 words)

	Genworth Financial return of premium term life insurance
		Genworth Financials' industry-leading term life insurance portfolio shines with a new light with term life insurance coverage that builds cash values and returns all available premium at the end of the initially selected 15-, 20- or 30-year guaranteed level premium period.
		Genworth Financial return of premium term life insurance offers competitive premiums plus cash value build-up.
		• Returns all premiums including rider premiums at the end of the 15-, 20-, or 30-year level premium period, if the insured is living.
	www.termlifeamerica.com /GEfinancialROP.html (512 words)

	MUW - Financial Aid Center Home Page
		One of the Financial Aid Center’s goals is to provide quality service and financial assistance to all our eligible students – new entering freshmen, transfer, continuing and graduate students.
		Learning how the financial aid and payment processes work is challenging, but the Financial Aid Center is here to help.
		Financial assistance for summer semesters is awarded on a funds available basis.
	www.muw.edu /finaid (458 words)

	H. John Heinz III School of Public Policy & Management - Financial Aid Application Process
		If you want to apply for financial aid and do not meet the suggested deadlines, you should still submit your financial aid forms for consideration for financial aid that is still available.
		If you are eligible for federal financial aid, the letter will include the loan amounts you are eligible to borrow to help cover your educational costs.
		Please note that you have the right to cancel all or part of your Stafford loan within 14 days of the start of the enrollment period for which the loan is intended or 14 days from the date the school notifies you of receipt of the loan funds.
	www.heinz.cmu.edu /finaid/forms.html (1091 words)

	Glossary of Financial Aid Terms
		This ineligibility for financial aid remains in effect until such time as the defaulted loan is paid in full or until you have made at least 6 consecutive on-time reasonable monthly payments as determined by the holder of the loan.
		Students with educational loans are required to meet with a financial aid administrator before they graduate or leave school or stop attending on at least a half-time basis.
		The financial aid package is the complete collection of grants, fellowships, scholarships, loans, and work-study employment offered to a student to financially enable them to attend the university.
	financialaid.gmu.edu /htmldocs/glossary.html (2316 words)

	Columbia College Financial Aid: Return of Title IV funds
		A student who withdraws from a course may be required to return unearned aid and still owe the college for the course.
		A student returns funds to the Federal Stafford loan programs based on the terms and conditions of the promissory note of the loan.
		For examples of the Return of Title IV Funds calculations or questions regarding the overpayment policy, please contact the Financial Aid Office.
	www.ccis.edu /offices/financialaid/returntitleIV.asp (821 words)

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