This document discusses 10 reasons why an investor needs a financial advisor for investment success. It uses everyday examples to illustrate how a financial advisor can help guide investors in the same way that a coach, mentor, teacher, friend or family doctor provides guidance. A financial advisor can help set goals and strategies, educate on different financial instruments, ensure decisions align with goals, and periodically review plans to account for changes - all with the investor's interests in mind. The overall message is that just as other professionals provide expertise, a financial advisor can help investors make well-informed financial decisions and achieve their objectives.
10 reasons why you need a financial advisor for invesment successMarwah Financial®
Like various mentors, a financial advisor provides valuable guidance in several ways:
1) They give professional advice tailored to your needs and help set measurable financial goals.
2) They help you understand different financial instruments and identify suitable products for your needs.
3) They monitor your investments and advise correcting your course when needed to stay on track for your goals.
12 rules to invest wisely investor education booklet Ashish Sahu
The document provides 12 rules for investing wisely. It summarizes each rule with a short phrase and provides illustrations to explain each rule in simple terms. The rules cover topics like starting early, regular investing, diversification, inflation and taxes, asset allocation changes over time, and avoiding complex products. The document emphasizes the importance of discipline, patience and financial planning at different life stages for successful long-term investing.
1. The document discusses various investment principles and strategies for making good investment decisions with practical examples. It defines different types of investments like stocks, bonds, mutual funds, and real estate.
2. Key principles for investors include starting early, diversifying investments, taking advantage of employer retirement plans and tax benefits, and using low-risk long-term strategies. Discipline, patience, and understanding risk/return are important characteristics for successful investors.
3. The document provides examples of calculating investment values like net present value, share price valuation, and treasury bill face value to illustrate making good investment decisions.
Things you can do, apart from the obvious lifestyle changes that will help you take better care of your finances.
Visit http:/blog.guarented.com for more useful content.
Investment planning in one's early 30s is important as goals like buying a house, retirement planning, and children's education will start to become priorities. The key steps involve identifying financial goals, learning about investment options and risk appetite, creating an investment plan, and allocating assets accordingly. By the 30s, income is more stable but risk tolerance may decrease as responsibilities increase. Investing regularly in instruments like the National Pension System, Public Provident Fund, government bonds, equity shares, and fixed deposits while increasing contributions over time can help achieve multiple long-term goals.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a financial planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of your unique financial situation.
This document provides an overview of personal financial planning and how to get started. It discusses why financial planning is important, the benefits it provides, and the basic steps involved. It emphasizes the value of working with a Certified Financial Planner (CFP) who is held to high standards of education, experience and ethics. The document provides tips for choosing a financial planner, what to expect from the financial planning process, and questions to ask potential planners.
10 reasons why you need a financial advisor for invesment successMarwah Financial®
Like various mentors, a financial advisor provides valuable guidance in several ways:
1) They give professional advice tailored to your needs and help set measurable financial goals.
2) They help you understand different financial instruments and identify suitable products for your needs.
3) They monitor your investments and advise correcting your course when needed to stay on track for your goals.
12 rules to invest wisely investor education booklet Ashish Sahu
The document provides 12 rules for investing wisely. It summarizes each rule with a short phrase and provides illustrations to explain each rule in simple terms. The rules cover topics like starting early, regular investing, diversification, inflation and taxes, asset allocation changes over time, and avoiding complex products. The document emphasizes the importance of discipline, patience and financial planning at different life stages for successful long-term investing.
1. The document discusses various investment principles and strategies for making good investment decisions with practical examples. It defines different types of investments like stocks, bonds, mutual funds, and real estate.
2. Key principles for investors include starting early, diversifying investments, taking advantage of employer retirement plans and tax benefits, and using low-risk long-term strategies. Discipline, patience, and understanding risk/return are important characteristics for successful investors.
3. The document provides examples of calculating investment values like net present value, share price valuation, and treasury bill face value to illustrate making good investment decisions.
Things you can do, apart from the obvious lifestyle changes that will help you take better care of your finances.
Visit http:/blog.guarented.com for more useful content.
Investment planning in one's early 30s is important as goals like buying a house, retirement planning, and children's education will start to become priorities. The key steps involve identifying financial goals, learning about investment options and risk appetite, creating an investment plan, and allocating assets accordingly. By the 30s, income is more stable but risk tolerance may decrease as responsibilities increase. Investing regularly in instruments like the National Pension System, Public Provident Fund, government bonds, equity shares, and fixed deposits while increasing contributions over time can help achieve multiple long-term goals.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a financial planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of your unique financial situation.
This document provides an overview of personal financial planning and how to get started. It discusses why financial planning is important, the benefits it provides, and the basic steps involved. It emphasizes the value of working with a Certified Financial Planner (CFP) who is held to high standards of education, experience and ethics. The document provides tips for choosing a financial planner, what to expect from the financial planning process, and questions to ask potential planners.
Principles of Finance & Budgeting - Final ExamStacey Troup
The document discusses the pros and cons of personal budgeting. It examines the different aspects of developing and sticking to a budget, including estimating expenses, setting savings goals, and breaking down variable cost categories. The author reflects on learning about future value of money concepts and plans to incorporate alternative investments into their own budget to better secure their retirement. While sticking to a strict budget can be challenging due to impulse spending, proper planning and curbing spending habits are important for future financial success and security.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the planning process, and how to choose a financial planner. Specifically, a financial plan can help organize your finances, set goals, and make better financial decisions. The process involves gathering information, setting goals, developing recommendations, and monitoring progress. When choosing a planner, the document recommends selecting a CFP professional who is held to high standards of education, experience, ethics and fiduciary responsibility.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
Financial planning is a process that identifies a person's financial goals and needs, evaluates their existing resources, and designs strategies to help them achieve their goals. It is important because it helps people plan for major life expenses like education, marriage, retirement, and more. The Wealth Planners approach to financial planning involves an initial discovery meeting, a data meeting, designing a customized financial plan, strategy meetings, implementation, and periodic reviews to ensure the plan stays on track over time.
This document provides information and advice to students about developing financial capability and managing money, including budgeting, using credit cards responsibly, finding financial advice and support, and practical tips. The key goals are to help students understand basic financial management, take control of their finances, and provide hints for budgeting and managing money. Students are encouraged to open a student bank account, use cash machines without fees, regularly check statements, and report any fraud immediately. The golden rule for credit cards is to pay the full balance each month to avoid interest charges. Budgeting involves tracking income, expenses, and occasional costs to understand finances and cut unnecessary spending. Records of financial documents should be kept for tax purposes and to check for errors. The document
Admirable Worldwide is one-stop consultancy firm offering comprehensive solutions in Financial Planning and Consulting. We help individuals and corporates to achieve their strategic goals and objectives as well as increasing process efficiencies to optimize revenue and bottom line.
Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child's higher education or planning for your retirement.
Financial Planning is about “Planning Life” and “Financial Prosperity” and involves 95% strategy and 5% products. It is the blueprint for planning and management of all financial affairs for your entire life and consider holistic view that enables you achieving your life’s goals. For further details, please visit "http://www.admirableworldwide.com/".
Financial Fitness provides customized financial solutions for athletes and entertainment professionals. They understand the unique needs of clients in these industries, who typically have short peak earning years but require financial planning for long retirements. Their services include developing comprehensive financial plans through assessing clients' goals, situations, and making recommendations to implement strategies for investing, risk management, retirement, and estate planning. They emphasize asset allocation, diversification, long-term investing, and taking a consultative approach to manage clients' portfolios.
The document provides information on money management and budgeting. It defines key terms like needs versus wants, assets and liabilities for calculating net worth. It explains that a budget is a plan for spending, saving and tracking expenses. The document outlines steps for creating a budget like tracking spending, figuring out income and expenses, paying yourself first and building an emergency fund. It also gives tips for cutting expenses and increasing income.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
Goal setting for a better financial future.Conrad Francis
Goal setting is an important principle when it comes to financial matters - but how do you know what goals to set, let alone where to start...so here's a few tips!
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This document summarizes the key aspects of developing a comprehensive financial plan. It discusses that a financial plan should address goals, assets, debts, taxes, investments, insurance, estate planning and more. It outlines the multi-step process of developing a plan, including initial interviews, data gathering, analysis, draft reviews and implementation. It emphasizes that a good financial plan takes over 20 hours to fully prepare. The document also provides background on the author, Frank Wiginton, a certified financial planner who believes comprehensive planning is needed to make appropriate financial recommendations and decisions.
This document summarizes a new online financial planning service that will provide clients with a personal financial advisor via a secure online account. The service will review clients' finances annually and provide personalized financial advice, coaching, and reports. Clients can access financial calculators and scenarios and request assistance from an advisor. The service offers different packages at annual fees and additional services can be purchased separately. It will be marketed online and through financial brokers and advisors.
The document outlines the 4 main steps of financial planning:
1. Determine your current financial situation by calculating your net worth and analyzing cash flow
2. Set financial goals both short, medium, and long-term which include paying off debt, saving for retirement and children's education
3. Develop a financial plan that is flexible, provides liquidity, and minimizes taxes
4. Monitor your progress towards goals by regularly reviewing your budget, investment returns, taxes, inflation, and making adjustments if needed.
This document provides information and guidance for fundraising and budgeting for volunteer projects at the University of the Arts London Students' Union. It outlines that the Students' Union provides some baseline funding but volunteers will need to fundraise to cover additional project costs. It then discusses various fundraising methods like grants, corporate sponsorship, and events. The document emphasizes the importance of planning, including creating a timeline, budget, and contingency plan. It also provides tips for budgeting and cost control.
The document discusses the importance of financial planning and goal setting. It recommends opening separate accounts for different financial goals. It then provides a 4 step process for financial planning: 1) track expenses and income, 2) choose a financial goal and allocate savings, 3) periodically reevaluate goals and finances, 4) eventually realize the financial goal through compound growth and savings over time. The overall message is that clear goals and a long term savings plan can help people afford life goals like retirement, education, travel, and businesses.
The document discusses creating an income and expense statement and cashflow statement to assess financial position over time. It explains that an income statement shows income and expenditures over a period, while a cashflow statement only includes actual cash inflows and outflows. The key steps are to list all sources of income, expenditures, and determine the surplus or deficit. Creating these statements makes it easy to see where money is being spent and how earnings and expenses impact net worth over time.
This document summarizes a presentation on financial fitness. It discusses calculating expenses and income to determine a net worth. It recommends dividing savings into categories like regular savings, education savings, and investment savings. The presentation provides tricks for saving money like spending less than earned and looking for discounts. It advises investing savings rather than just storing money. Overall, the key to financial fitness is properly managing expenses, increasing income when possible, and appropriately allocating funds to savings categories.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
Audio Wire Inc. presented a new web design to address issues with their current site. Their analysis found the site's logo, images, and design lacked attractiveness, while navigation, product info, and checkout created usability problems. They predicted the new design would increase online sales for returning and one-off customers by reducing user abandonment rates. The presentation concluded with a Q&A section.
Principles of Finance & Budgeting - Final ExamStacey Troup
The document discusses the pros and cons of personal budgeting. It examines the different aspects of developing and sticking to a budget, including estimating expenses, setting savings goals, and breaking down variable cost categories. The author reflects on learning about future value of money concepts and plans to incorporate alternative investments into their own budget to better secure their retirement. While sticking to a strict budget can be challenging due to impulse spending, proper planning and curbing spending habits are important for future financial success and security.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the planning process, and how to choose a financial planner. Specifically, a financial plan can help organize your finances, set goals, and make better financial decisions. The process involves gathering information, setting goals, developing recommendations, and monitoring progress. When choosing a planner, the document recommends selecting a CFP professional who is held to high standards of education, experience, ethics and fiduciary responsibility.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
Financial planning is a process that identifies a person's financial goals and needs, evaluates their existing resources, and designs strategies to help them achieve their goals. It is important because it helps people plan for major life expenses like education, marriage, retirement, and more. The Wealth Planners approach to financial planning involves an initial discovery meeting, a data meeting, designing a customized financial plan, strategy meetings, implementation, and periodic reviews to ensure the plan stays on track over time.
This document provides information and advice to students about developing financial capability and managing money, including budgeting, using credit cards responsibly, finding financial advice and support, and practical tips. The key goals are to help students understand basic financial management, take control of their finances, and provide hints for budgeting and managing money. Students are encouraged to open a student bank account, use cash machines without fees, regularly check statements, and report any fraud immediately. The golden rule for credit cards is to pay the full balance each month to avoid interest charges. Budgeting involves tracking income, expenses, and occasional costs to understand finances and cut unnecessary spending. Records of financial documents should be kept for tax purposes and to check for errors. The document
Admirable Worldwide is one-stop consultancy firm offering comprehensive solutions in Financial Planning and Consulting. We help individuals and corporates to achieve their strategic goals and objectives as well as increasing process efficiencies to optimize revenue and bottom line.
Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a house, saving for your child's higher education or planning for your retirement.
Financial Planning is about “Planning Life” and “Financial Prosperity” and involves 95% strategy and 5% products. It is the blueprint for planning and management of all financial affairs for your entire life and consider holistic view that enables you achieving your life’s goals. For further details, please visit "http://www.admirableworldwide.com/".
Financial Fitness provides customized financial solutions for athletes and entertainment professionals. They understand the unique needs of clients in these industries, who typically have short peak earning years but require financial planning for long retirements. Their services include developing comprehensive financial plans through assessing clients' goals, situations, and making recommendations to implement strategies for investing, risk management, retirement, and estate planning. They emphasize asset allocation, diversification, long-term investing, and taking a consultative approach to manage clients' portfolios.
The document provides information on money management and budgeting. It defines key terms like needs versus wants, assets and liabilities for calculating net worth. It explains that a budget is a plan for spending, saving and tracking expenses. The document outlines steps for creating a budget like tracking spending, figuring out income and expenses, paying yourself first and building an emergency fund. It also gives tips for cutting expenses and increasing income.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
Goal setting for a better financial future.Conrad Francis
Goal setting is an important principle when it comes to financial matters - but how do you know what goals to set, let alone where to start...so here's a few tips!
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This document summarizes the key aspects of developing a comprehensive financial plan. It discusses that a financial plan should address goals, assets, debts, taxes, investments, insurance, estate planning and more. It outlines the multi-step process of developing a plan, including initial interviews, data gathering, analysis, draft reviews and implementation. It emphasizes that a good financial plan takes over 20 hours to fully prepare. The document also provides background on the author, Frank Wiginton, a certified financial planner who believes comprehensive planning is needed to make appropriate financial recommendations and decisions.
This document summarizes a new online financial planning service that will provide clients with a personal financial advisor via a secure online account. The service will review clients' finances annually and provide personalized financial advice, coaching, and reports. Clients can access financial calculators and scenarios and request assistance from an advisor. The service offers different packages at annual fees and additional services can be purchased separately. It will be marketed online and through financial brokers and advisors.
The document outlines the 4 main steps of financial planning:
1. Determine your current financial situation by calculating your net worth and analyzing cash flow
2. Set financial goals both short, medium, and long-term which include paying off debt, saving for retirement and children's education
3. Develop a financial plan that is flexible, provides liquidity, and minimizes taxes
4. Monitor your progress towards goals by regularly reviewing your budget, investment returns, taxes, inflation, and making adjustments if needed.
This document provides information and guidance for fundraising and budgeting for volunteer projects at the University of the Arts London Students' Union. It outlines that the Students' Union provides some baseline funding but volunteers will need to fundraise to cover additional project costs. It then discusses various fundraising methods like grants, corporate sponsorship, and events. The document emphasizes the importance of planning, including creating a timeline, budget, and contingency plan. It also provides tips for budgeting and cost control.
The document discusses the importance of financial planning and goal setting. It recommends opening separate accounts for different financial goals. It then provides a 4 step process for financial planning: 1) track expenses and income, 2) choose a financial goal and allocate savings, 3) periodically reevaluate goals and finances, 4) eventually realize the financial goal through compound growth and savings over time. The overall message is that clear goals and a long term savings plan can help people afford life goals like retirement, education, travel, and businesses.
The document discusses creating an income and expense statement and cashflow statement to assess financial position over time. It explains that an income statement shows income and expenditures over a period, while a cashflow statement only includes actual cash inflows and outflows. The key steps are to list all sources of income, expenditures, and determine the surplus or deficit. Creating these statements makes it easy to see where money is being spent and how earnings and expenses impact net worth over time.
This document summarizes a presentation on financial fitness. It discusses calculating expenses and income to determine a net worth. It recommends dividing savings into categories like regular savings, education savings, and investment savings. The presentation provides tricks for saving money like spending less than earned and looking for discounts. It advises investing savings rather than just storing money. Overall, the key to financial fitness is properly managing expenses, increasing income when possible, and appropriately allocating funds to savings categories.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
Audio Wire Inc. presented a new web design to address issues with their current site. Their analysis found the site's logo, images, and design lacked attractiveness, while navigation, product info, and checkout created usability problems. They predicted the new design would increase online sales for returning and one-off customers by reducing user abandonment rates. The presentation concluded with a Q&A section.
This document discusses issues and improvements needed for audio-visual classrooms in China. It describes the typical structure of audio-visual classrooms including rooms for lectures, preparation, and equipment. However, it notes several problems including too much focus on hardware without enough investment in software or teacher training. It also notes a shortage of high quality teaching materials limits the development of audio-visual education. Overall the document calls for a better balance of resources between equipment, teaching materials, and human resources to improve audio-visual education in China.
Start up a business and change the world vs4John Spindler
This document provides information about starting a business and growing it successfully. It introduces lean startup principles like the minimum viable product and business model canvas. It discusses the differences between self-employed and high-growth businesses and outlines a new startup model focused on customer discovery. Finally, it addresses common challenges like accessing funding and provides resources for entrepreneurs.
The document analyzes and compares the digipak artwork for two albums: Gorillaz' "Plastic Beach" and The Strokes' "Is This It". For Gorillaz, the artwork depicts a futuristic island rising from the sea in vibrant colors, referencing Thunderbirds, and encourages exploration of more artwork inside. The Strokes' monochrome cover features a gloved hand in a voyeuristic pose, suggesting danger and sexuality through use of red, with unconventional title placement. Both album covers break conventions and push creative boundaries to appeal to fans.
2011 cryopreservation of redwood (sequoia sempervirens)Tarek Ali
This study compared three vitrification-based cryopreservation techniques (vitrification, encapsulation-vitrification, and droplet-vitrification) for cryopreserving apical and basal buds from in vitro redwood (Sequoia sempervirens) shoot cultures. Only droplet-vitrification ensured bud survival and regrowth after cryopreservation. For apical buds, regeneration was possible after PVS2 exposure between 90-180 minutes, with a maximum of 18% regeneration at 135 minutes. For basal buds, regeneration was possible over a larger range of PVS2 exposure (30-180 minutes), with a maximum of 22% regeneration also at 135 minutes. Histological observations were made to examine the
The video depicts the artist feeling lonely and unhappy in a bar. Scenes show her stumbling through crowds, receiving mean looks from other women in the bathroom. Shots of the artist and other women looking disheveled in the mirror emphasize feeling pressure and competition. While the artist lip syncs, depicting the classic pop convention, other women join in to illustrate shared feelings of loneliness. The video has a sad tone despite the cheerful song. It breaks pop conventions by lacking a happy ending, as the male interest disappears, showing he was just a fantasy.
The document discusses the history and mysteries surrounding Leonardo da Vinci's famous painting the Mona Lisa. It describes how the painting was commissioned for Lisa Gherardini in 1503 and Leonardo worked on it until his death in 1519. The painting's fame grew over the centuries due to its enigmatic subject and Leonardo's innovative painting techniques. The document also discusses theories about the painting's origins and copies, as well as its high-profile theft in 1911.
An Approach to Data Extraction and Visualisation for Wireless Sensor NetworksM H
Ever since descartes introduced planar coordinate systems, visual representations of data have become a widely accepted way of describing scientific phenomena. Modern advances in measurement and instrumentation have required increasingly sophisticated visual representations, to ensure that scientists can quickly and accurately interpret increasingly complex data. Most recently, wireless sensor networks (WSNs) have emerged as a technology which is capable of collecting a vast amount of data over space and time. The sheer volume of the data makes it difficult to be interpreted by humans into meaningful insights. This presents a number of challenges for developers of visualisation techniques which seek to ``map'' the data sensed by a network. Visualisation techniques helps to turn large amounts of raw data into credible visual information such as graphs, charts, or maps, that can assist in understanding of the meaning of that data. In this paper we propose a map as a suitable data visualisation and extraction tool. We aim to develop an in-network distributed information extraction and visualisation service. Such a service would greatly simplify the production of higher-level information-rich representations suitable for informing other network services and the delivery of field information visualisation.
Learning organisations and design thinkingemilia åström
The document discusses learning organizations and design thinking. It provides information about Hyper Island, an organization that designs learning experiences to enable companies and individuals to develop skills for tomorrow's technologies. Hyper Island uses learning by doing, problem solving, collaboration, and design thinking. Design thinking involves separating creative and analytical thinking, generating many ideas, listening, building on others' ideas, and defining problems before sketching solutions. The document includes exercises and tips for using techniques like brainstorming, feedback, and concept creation within one hour.
The document discusses the student's research and production process for a music video, digipack, and advert as part of a course assignment. The student began by researching different music video genres and conventions. They chose the band "BOY" and song "Boris" as inspiration. The student produced a music video that combined performance and narrative elements with flashbacks. For the digipack and advert, the student researched conventions and drew from photos taken during music video filming. They analyzed how their finished products did or did not follow typical codes and conventions of the genre.
Penelitian ini bertujuan untuk mengetahui pengaruh luas kandang dan pemberian beberapa level protein terhadap gambaran darah itik Kamang betina fase starter. Tidak ditemukan interaksi antara luas kandang dan level protein, namun peningkatan luas kandang dan level protein meningkatkan jumlah eritrosit, kadar hemoglobin, dan nilai hematokrit. Luas kandang terbaik adalah 0,05 m2/ekor dengan level protein 18% untuk mendapatkan gambaran dar
A person finds that everything they loved has been ripped away from them. Then suddenly at school, they are seen as a freak by others. This leaves the person in a difficult situation of having lost what they cared about and being ostracized.
This document provides an overview and analysis of camera shots planned for a visit to Sullivan Buses. It outlines several shots including an establishing shot of old buses in the back, a point-of-view shot, and a spotlight on a bus. Additional shots include a low-angle shot of someone boarding a bus with unclear intentions, the doors shutting from that angle, and then reopening while still keeping the person's identity hidden for some time.
Financial planning involves creating a budget, determining financial goals, saving money, getting insured, investing, tracking progress, and tax planning. It is a process to help meet life goals like buying a house, saving for education, or retirement. Young individuals should start financial planning to benefit from compound interest over many years and meet future goals. The key steps are preparing a budget, setting short, medium, and long-term goals, saving at least 35-40% of income, getting insured, investing in mutual funds, reviewing the plan annually, and consulting a tax expert. Financial advisors can help develop an appropriate plan based on a person's unique situation and goals.
Financial planning involves creating a budget, determining financial goals, saving and investing appropriately, maintaining adequate insurance coverage, tracking progress towards goals, and engaging in tax planning. The key steps in financial planning are to prepare a budget, determine short, medium, and long-term goals, start saving regularly through systematic investment plans, ensure life is insured, build an investment portfolio, regularly review the financial plan, and utilize available tax saving options. Maintaining an emergency fund, prioritizing goals, reducing credit card usage, and automating investments are important aspects of effective financial planning.
Avoid Dreadful Mistakes While Investing in Mutual FundsInvestmentz
If you don’t balance your earnings and spending, you will never save enough to invest which is a sure way to crash-land since you will never know when you ran out of fuel.
What You Should Know About Financial Planningmarcpico
This document provides information about financial planning, including what it is, its benefits, and the financial planning process. Financial planning is a process that helps people meet life goals like buying a home or saving for retirement through proper financial management. It involves gathering information, setting goals, examining one's financial situation, and creating a strategy. Financial planning provides direction and allows people to understand how financial decisions impact other areas. The financial planning process consists of six steps including establishing the client-planner relationship, gathering information and goals, analyzing the financial status, developing recommendations, implementing the plan, and monitoring progress.
This document provides an overview of financial planning and investing. It explains that financial planning can help achieve life goals and outlines the importance of having a plan. It also discusses key investing concepts like risk, return, diversification and different asset classes. The document notes that financial advisers can help create suitable investment portfolios and administer them over the long term. Overall, the summary emphasizes that financial planning and investing are important for working towards financial goals at different life stages.
Investing Rules You Should Never Break is a concise and practical guide that provides investors with essential principles for successful and sustainable investing. This e-book covers the fundamental rules that every investor should follow to avoid costly mistakes and achieve their financial goals.
The book offers insights and advice on how to create a diversified investment portfolio, manage risks, and maximize returns. It also includes strategies for managing emotions and avoiding common behavioral biases that can lead to poor investment decisions.
Investing Rules You Should Never Break is an excellent resource for both novice and experienced investors who want to improve their investment outcomes. The tips and strategies presented in this e-book are actionable and backed by research, making it a reliable guide for anyone seeking to invest wisely and profitably.
Financial planning involves more than just retirement - it is about planning for financial needs at every stage of life. At Future Wealth Planners, financial advisers follow a six step process to develop personalized financial plans and strategies for clients and ensure their plans remain relevant as clients' needs change over time. The six steps include assessing a client's current situation, setting financial goals, identifying any issues, presenting a personalized financial plan, implementing the recommended strategies, and ongoing review meetings.
1) The document provides an introduction to different ways of investing through ABN AMRO Bank, including self-directed investing without advice, investing with advice from an advisor, and letting the bank invest your capital through a portfolio manager.
2) Investing with advice offers options like Profile Fund Investing, Fund Advice, Fund Advice Plus, Investment Advice, and Investment Advice Active, which provide varying levels of advice and support.
3) Letting the bank invest your capital involves leaving management of your investment portfolio to an experienced portfolio manager who will take account of your risk profile and investment goals.
The document outlines six key reasons why having a financial advisor is a smart investment: 1) They have expertise in investing strategies and products to guide decisions. 2) They stay up-to-date on financial trends so clients don't have to. 3) Advisors provide understandable financial advice tailored to each client's goals, risk tolerance, and interests. 4) Advisors take the emotion out of investing by helping clients stay focused on their goals. 5) Advisors commit to supporting clients at all stages of life by considering future needs. 6) Working with an advisor brings peace of mind through their ongoing support and adjustments to financial plans.
Our approach to life-based Retirement Planning is very simple. We call it Design. Build. Protect. We design a plan built around your life. We help you clarify the plan and work towards achieving your goals allowing you to prioritize your family, worth and legacy.
This document provides guidance on choosing an investment advisor. It outlines important questions for individuals to ask themselves, such as their investment goals, risk tolerance, and needs. It also provides questions individuals should ask advisors, such as about their credentials, services offered, compensation structure, investment approach, and asset custody. The document emphasizes the importance of communication, understanding an advisor's investment style and decision-making process, and verifying their performance. It notes different types of advisors and services that may be needed, such as financial planners, money managers, or wealth managers. Overall, the document aims to help readers make an informed choice about hiring an investment advisor.
Invest Angles is a financial advisory firm that offers a range of investment solutions and financial planning services through a team of experienced professionals with expertise in areas such as mutual funds, insurance, loans, taxes, and portfolio management. The document outlines the company's services and products which include cash management, financial planning, tax planning, mutual funds, insurance, loans, and portfolio management to help clients achieve their financial goals.
Financial planning involves organizing one's current financial situation, setting financial goals, and choosing appropriate investment options to achieve those goals given one's resources. The key components of financial planning are assessing current resources, determining financial goals, and selecting suitable investment options. A financial planner helps clients through developing a plan that incorporates protection, emergency savings, debt reduction, and wealth creation strategies tailored to the individual. Asset allocation among different asset classes is also an important factor in financial planning.
6 step simple personal finance planning dont read if you plan your personal f...Vinod Pottayil
Personal finance is managing your finance for achieving your short and long term financial goals.
It means the application of self-discipline on your income to plan and secure your future. Personal finance planning only will lead you to the ultimate financial freedom.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of personal finance.
The Magic Of Lifetime Cash Flow Forecsatsbributcher
The document discusses lifetime cash flow forecasts and financial planning. It explains that cash flow forecasts can show a client's future income and expenses over their lifetime to determine if they will have enough money to support their desired lifestyle and retirement. The financial planner uses software to build forecasts that help clients understand how their financial decisions today will impact their future and determine if adjustments are needed. The planner aims to empower clients by helping them "see" their financial future and make informed decisions to achieve their goals and ensure their money lasts as long as possible.
1. Financial planning involves evaluating one's current financial situation, setting goals, and developing recommendations to achieve those goals. It includes areas like investing, taxes, savings, and insurance.
2. The document discusses the meaning and benefits of financial planning. It outlines the basic steps of financial planning as evaluating one's current finances, writing down financial objectives, exploring investment opportunities, and developing the right plan.
3. Maintaining and monitoring the financial plan is emphasized as important for adapting to changes in one's circumstances over time. Various tips are provided around managing expenses, savings, debt, and investments.
Financial planning involves more than just investment advice - it encompasses tax planning, estate planning, savings goals, and retirement planning. Investment advice focuses on structuring assets to meet financial goals but does not define the goals. When choosing an advisor, it is important to consider their compensation structure and level of control over assets, as advisors with discretionary authority act more as money managers while fee-based advisors take a broader planning perspective centered around client goals.
The document outlines 10 reasons to use a financial adviser:
1) They can help assess your needs and recommend the best options to protect yourself and your family from financial hardship due to personal tragedy.
2) They can help plan both your spending and saving to build assets and wealth as efficiently as possible for both short and long-term needs.
3) They can help plan for retirement by sorting through pension and investment options to maximize your long-term prospects.
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10 reasons why you need a financial advisor for investment success
1. An investor education initiative from
Deutsche Mutual Fund
10 Reasons
why you need a financial advisor
for investment success
www.dws-india.com | Toll Free 1-800-209-5005
2. An investor education initiative from Deutsche Mutual Fund
Foreword
Just as a good coach plays a key role in formulating strategies which
help a player realize his potential, a good financial advisor helps us
meet our desired financial goals. From the wide variety of financial
products available in the market, it is difficult to choose the right one
that suits our financial plan and risk appetite. As a result, we often
make wrong investment decisions and our financial goals remain an
illusion. The role of a financial advisor is of a friend, philosopher and
guide, who help us stay on the right track as we journey to our
desired financial destination.
This booklet titled '10 Reasons Why You Need a Financial Advisor for
Investment Success' is an attempt to better understand how the
financial advisor can help you achieve your goals. Using simple
language and colorful illustrations, concepts are explained with the
help of anecdotes taken from everyday life. We hope this booklet will
help you identify areas in your finances which will require the
expertise of a financial advisor and help you take a step forward in
identifying a good advisor.
Deutsche Mutual Fund, a leading fund house, as a part of an investor
education initiative, has tied up with ICRA Online Ltd. (a sister
concern of ICRA Ltd., a leading rating agency) to bring you a series of
booklets, which will help you understand the basics of financial
planning in an easy and simple reading format. Our objective is to
make you aware so that you can make the right investment decision.
Do write in with your feedback to deutsche.mutual@db.com or Call
1-800-209-5005 or visit www.dws-india.com
Happy Reading and Best wishes in identifying a Financial Advisor!!!
3. Reason 1: Like an experienced coach, a financial advisor gives
professional advice based on your needs
Like a coach who brings in his professional experience to help players, a
financial advisor brings with him professional knowledge and expertise to
help you set and achieve specific financial goals.
Example
League match
6 RUNS NEEDED
OFF 23 BALLS.
Final
1 WICKET
REMAINING
You shouldn’t
have taken the
risky single.
Thanks
coach...!!
If you wish to buy a house, a ϐinancial advisor can put
together a plan taking into account your assets, income
and time-frame to buy; there by advising you on where to
invest to meet your goals.
An investor education initiative from Deutsche Mutual Fund
4. Reason 2: Like a mentor, a financial advisor helps you set
measurable goals
Like a wise mentor who guides you towards the right career path, a
financial advisor helps you not only to set the overall financial target but
also to break-up the target into smaller measurable goals. Therefore by
taking a step-by-step approach the financial planner can measure your
progress and take corrective action when necessary.
I am confused..
what should
I do?
Brilliant Report
Card Manu! Now
target 500+ score to
get into the top
Medical college
I want to be a
I want to be a
scientist. I want to be an
engineer.
CA.
Few years later Dr. Manu Sharma runs a successful
medical practise
An investor education initiative from Deutsche Mutual Fund
Example
If you are wish to buy a house in 5 years, the ϐinancial
advisor will set investment targets against which
performance will be measured and monitored on a yearly
basis. Corrective action will be suggested where ever
necessary, so that your plan to buy the house is on track to
success.
5. Reason 3: Like a good teacher, a financial advisor helps you
understand various financial instruments
Just like a good teacher helps students understand various concepts, a
financial advisor helps you better understand various financial
instruments and their relevance to your goals. Sometimes you may choose
the wrong financial product due to a lack of understanding of the subject,
here a financial advisor can correct you and suggest the appropriate
product.
Example
Students
identify this
animal?
It’s
a dog!
Sir, an excursion
to zoo will help
students.
Ha Ha Ha
Ha...
This is
Giraffe!
If you are in your ϐirst job, it may not make sense to put all
your money into a ϐixed deposit which gives low returns,
rather a ϐinancial advisor may ask you to allocate money
into other asset classes like equities which have the
potential to give higher returns.
An investor education initiative from Deutsche Mutual Fund
6. Reason 4: Like a vigilant instructor, a financial advisor highlights
the effect each financial decision has on your overall financial
goals
Just as a driving instructor will highlight to you mistakes that can cost
you your life, a financial advisor guides you in making your financial
decisions after studying the impact they can have on your various goals.
You must therefore share every detail of your current financial situation,
so that he/she can advise you correctly.
Example
Each feature of the
car is important. You
must use them
wisely.
You should have
applied brakes
earlier..!!
Your
every decision on the
road, can impact your
safety.
If you plan to buy a car in 2 years, and also require a
substantial sum in hand to send your child for higher
studies in 5 years, your ϐinancial advisor can help you.
He may advice to increase your investments or defer the
car purchase, if your investments are not enough to fund
the higher studies in time.
An investor education initiative from Deutsche Mutual Fund
7. Reason 5: Like a well-meaning friend, a financial advisor reminds
you to re-evaluate your financial situation periodically
Just as you rely on your friend for timely advice, you can rely on your
financial advisor to track, review and re-evaluate your investments
periodically so that you avoid nasty surprises later. Financial planning is a
dynamic process and a financial advisor keeps regular track of your
investments and revises your financial strategy if there are changes in
lifestyle or circumstances.
Example
Few years later..
My plot.. One day
I will have my own farm
house here.
Oh my God..!!
You should visit the
plot to check if
everything is
alright!
If you are faced with an unexpected reduction in income
due to a slowdown, your ϐinancial advisor can help you
reprioritize your goals and reallocate your investments to
less riskier and more stable assets, till there is an
improvement in your regular income.
An investor education initiative from Deutsche Mutual Fund
8. Reason 6: Like a parent, a financial advisor encourages you to
start planning as soon as you can
Just as a parent constantly reminds a child about the importance of
starting studies early, a financial advisor will advise you to start planning
for your goals and start investing at the earliest so that you have the
benefit of time to achieve your financial goals.
Example
Raju you should
start studying early
to prepare well.
The semester has
just started and
Raju is studying.
Mom, I stood
1st in class.
At the early stages of your career you may want to spend -
rather than save and invest. Here a ϐinancial advisor can
explain to you the beneϐits of saving, and regularly investing a
part of your income through the Systematic Investment Plan
(SIP) route into equity funds - to beneϐit from their growth.
An investor education initiative from Deutsche Mutual Fund
9. Reason 7: Like a seasoned architect, a financial advisor will draw
up a financial plan which is practically achievable
There are many beautiful plans that an architect may have, but your house
plan will be based on how much you can afford. In the same manner a
financial advisor will give broad performance measures that can be
expected from each asset class, and will correct you if your expectations
are unrealistic.
I will have
my castle here
soon.
Please advice
how can i build my
dream castle??
Considering the
size of the plot, you
can have just a small
house here.
OK!!
An investor education initiative from Deutsche Mutual Fund
Example
While your advisor may recommend you to invest 5-10%
of your portfolio in gold ETFs; if you ask to increase the
allocation considering the high levels gold has touched
historically, your advisor may ask you to be realistic
considering that returns from gold have also languished
for decades in the past.
10. Reason 8: Like a good dietician, a financial advisor recommends a
plan, yet empowers you to take charge of your financial health
Just like a good dietician advises you on the best food options that
complement your body type, a financial advisor helps you chalk out your
investment strategy, offering options that suit your requirement but
leaves the final decision to you. This will make you realize that it is
actually you who are in charge of your hard-earned money.
Example
Follow this
diet plan. It will
help you reduce
I recommend
you this diet plan,
so that you can
gain weight.
weight.
If you are in your 30’s, your ϐinancial advisor may suggest
an asset allocation ratio (60 Equity: 30 Debt: 10 Cash); and
provide an investment recommendation list of equity and
debt funds that realizes your retirement goals. However the
choice of funds to select from the recommended list will be
yours.
An investor education initiative from Deutsche Mutual Fund
11. Reason 9: Like your family doctor, a financial advisor keeps your
interest in mind at all time
Your family doctor keeps your health in mind while treating your illness,
similarly, a financial advisor also gives priority to your interest and not his
own. An agent may push products which will fetch him more commission but
a financial advisor recommends such instruments that will help you realize
your short-term and long-term financial goals, while keeping your risk
profile in mind.
Example
Doctor,
please take care
of all necessary
immunity booster
drops.
At this age I suggest
start watching what
you eat. Heathly diet
is necessary for your
good health.
As you are
growing, start
focusing on your
fitness.
A ϐinancial advisor will not ask you to invest in a New Fund
Offer (NFO) with no merits, even when he could earn more
commission.
An investor education initiative from Deutsche Mutual Fund
12. Reason 10: Like a supportive spouse, a financial advisor frees up
your time so that you can concentrate on other important things
Just like a supportive spouse takes care of household work, a financial
advisor takes care of your financial planning needs. In the midst of various
daily engagements you may not get enough time to do the proper homework
before making an informed investment decision. A financial advisor does
this on your behalf.
Thank God,
my wife is there to
take care of other
works..
I can share your
work.
Example
While you may have made some good investment
decisions, to reap the beneϐits you will also need to know
when to sell these investments. But due to other priorities in
life, you may miss opportunities to sell your investments at an
opportune time. A ϐinancial advisor uses his expertise to tell
you a good time to sell/redeem your investments.
An investor education initiative from Deutsche Mutual Fund
13. How do you identify a
Financial Advisor?
A registered financial advisor will have an AMFI
Registration Number (ARN) and identity card e.g.
ARN-0002. AMFI stands for Association of Mutual Funds
in India. A financial advisor gets an ARN only after
passing the AMFI Certification Test, providing the Know
Your Distributor (KYD) details and going through a
verification process which includes submission of various
document proofs, in person verification and bio-metric
process. These procedures are as mandated by Securities
and Exchange Board of India (SEBI). There is a validity
period for the certification and you should check if your
advisor’s certificate is still valid, since your financial
advisor needs to go through refresher tests in order to
renew his/her certification. A financial advisor will also
offer a wide range of products covering major asset
classes such as Equity, Debt, Commodities, etc so that
there are enough financial instruments to choose from to
meet your financial goals.
To locate a financial advisor in your area
visit: www.amfiindia.com/locate-the-nearest-financial-advisor-details
An investor education initiative from Deutsche Mutual Fund
14. An investor education initiative from Deutsche Mutual Fund
10 Reasons
why you need a financial advisor
for investment success
Reason 1: Like an experienced coach, a financial advisor
gives professional advice based on your needs
Reason 2: Like a mentor, a financial advisor helps you set
measurable goals
Reason 3: Like a good teacher, a financial advisor helps you
understand various financial instruments
Reason 4: Like a vigilant instructor, a financial advisor
highlights the effect each financial decision has
on your overall financial goals
Reason 5: Like a well-meaning friend, a financial advisor
reminds you to re-evaluate your financial
situation periodically
Reason 6: Like a parent, a financial advisor encourages you
to start planning as soon as you can
Reason 7: Like a seasoned architect, a financial advisor will
draw up a financial plan which is practically
achievable
Reason 8: Like a good dietician, a financial advisor
recommends a plan, yet empowers you to take
charge of your financial health
Reason 9: Like your family doctor, a financial advisor keeps
your interest in mind at all time
Reason 10: Like a supportive spouse, a financial advisor
frees up your time so that you can concentrate
on other important things
15.
16. An investor education initiative from
Deutsche Mutual Fund
Toll Free 1-800-209-5005 | deutsche.mutual@db.com | www.dws-india.com
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