this ppt will help all people in general to understanad about finance insurance retriemnt plans etc
it will get clear ideas about how to plan future finance.this will defineatively help to minimize loss in the lond run even if followed 50% its effort to educate people about future finance
because school collages dont teach future finances planning
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
this ppt will help all people in general to understanad about finance insurance retriemnt plans etc
it will get clear ideas about how to plan future finance.this will defineatively help to minimize loss in the lond run even if followed 50% its effort to educate people about future finance
because school collages dont teach future finances planning
Financial Empowerment Seminar with focus on
1. Causes of Business Failures
2. Retirement Planning /Life after Work-Life
3. Overcoming Financial Challenges in Retirement
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Savings Survey - Imact of Teach Children To Save Summit Laja Shoniran
The Impact of Teach Children To Save Summit and The Use of Ant Bank to Encourage Savings Among Children and Youths
(Combining Savings and Financial Literacy for Poverty Reduction)
MPs grant MAS 'stay of execution' but say service is 'not fit for purpose' http://www.fundweb.co.uk/2003860.article?cmpid=fwnews_59206
In other news: In order to improve public understanding of public finance The Open University Business School, in co-operation with True Potential, is producing three interactive, freely accessible, self-teaching modules. These modules will help you develop financial management skills and gain an understanding of the financial services industry, the first of which will be available in Spring 2014. http://www.open.ac.uk/business-school-research/pufin/course-modules
True potential Art of Investing as found on the OU website http://www.open.ac.uk/business-school-research/pufin/course-modules
Saving for retirement can be challenging when your paycheques just barely cover your day-to-day expenses. But it can be done with proper planning and starting early. These tips can help.
Retirement Planning is one of most important part of everyone's life. But most of them ignore this very important thing. Early retirement planning gives you the power to choose the age when you will retire. FinAtoZ gives you the retirement calculator which is an early retirement planner and gives you the idea about the final corpus you need at the time of retirement along with the correct retirement age.
Retirement is one of the most important life’s event many of us will ever experience. From both personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. visit https://www.financialhospital.in/retirement-planning.php to know more
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.
Your ticket to financial freedom doesn’t lie in getting a raise or enlisting services of a personal financial consultant. Your ticket to financial freedom lies in mastering basic money management.
The reality is there is no link between what you earn and how well you manage your money. That is good news for everybody. It simply means that regardless of our earning levels, we can all learn good money management habits and we can all aspire to a good level of financial security. Indeed, we can do more than just aspire; we can actually do something to achieve that financial security during our lifetimes.
Planning for retirement is not as easy as it seems. Simply because you have to estimate your expenses 30 - 35 years hence in today's money. This visual presentation provides an overview of how to approach your retirement planning.
Kakeibo, pronounced "kah-keh-boh,“ is officially a “budgeting journal used to set savings goals and spend wisely”.
It hit the headlines in 1904, when it was promoted as a way for housewives to manage budgets.
The Japanese government encouraged the idea, to help people save
Kakeibo makes you plan how much to spend beforehand rather than writing down what you spent .
At the beginning of each month, you’re meant to sit down and think about:
How much you have to spend ?
How much you want to save ?
What you need to do to reach your goals ?
During the month, you track the money coming in and going out.
Then at the end of each week and month, you
Add up what you’ve spent,
Check if you are meeting your savings goals, and
Think about how you can improve in future.
Savings Survey - Imact of Teach Children To Save Summit Laja Shoniran
The Impact of Teach Children To Save Summit and The Use of Ant Bank to Encourage Savings Among Children and Youths
(Combining Savings and Financial Literacy for Poverty Reduction)
MPs grant MAS 'stay of execution' but say service is 'not fit for purpose' http://www.fundweb.co.uk/2003860.article?cmpid=fwnews_59206
In other news: In order to improve public understanding of public finance The Open University Business School, in co-operation with True Potential, is producing three interactive, freely accessible, self-teaching modules. These modules will help you develop financial management skills and gain an understanding of the financial services industry, the first of which will be available in Spring 2014. http://www.open.ac.uk/business-school-research/pufin/course-modules
True potential Art of Investing as found on the OU website http://www.open.ac.uk/business-school-research/pufin/course-modules
Saving for retirement can be challenging when your paycheques just barely cover your day-to-day expenses. But it can be done with proper planning and starting early. These tips can help.
Retirement Planning is one of most important part of everyone's life. But most of them ignore this very important thing. Early retirement planning gives you the power to choose the age when you will retire. FinAtoZ gives you the retirement calculator which is an early retirement planner and gives you the idea about the final corpus you need at the time of retirement along with the correct retirement age.
Retirement is one of the most important life’s event many of us will ever experience. From both personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. visit https://www.financialhospital.in/retirement-planning.php to know more
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.
Your ticket to financial freedom doesn’t lie in getting a raise or enlisting services of a personal financial consultant. Your ticket to financial freedom lies in mastering basic money management.
The reality is there is no link between what you earn and how well you manage your money. That is good news for everybody. It simply means that regardless of our earning levels, we can all learn good money management habits and we can all aspire to a good level of financial security. Indeed, we can do more than just aspire; we can actually do something to achieve that financial security during our lifetimes.
Planning for retirement is not as easy as it seems. Simply because you have to estimate your expenses 30 - 35 years hence in today's money. This visual presentation provides an overview of how to approach your retirement planning.
Kakeibo, pronounced "kah-keh-boh,“ is officially a “budgeting journal used to set savings goals and spend wisely”.
It hit the headlines in 1904, when it was promoted as a way for housewives to manage budgets.
The Japanese government encouraged the idea, to help people save
Kakeibo makes you plan how much to spend beforehand rather than writing down what you spent .
At the beginning of each month, you’re meant to sit down and think about:
How much you have to spend ?
How much you want to save ?
What you need to do to reach your goals ?
During the month, you track the money coming in and going out.
Then at the end of each week and month, you
Add up what you’ve spent,
Check if you are meeting your savings goals, and
Think about how you can improve in future.
This beautiful presentation revolves around some basic but very important tips which can make you save some invaluable money from your own savings and can keep you growing also
How to Become Wealthy
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Napoleon Hill, in his great book, Think & Grow Rich, describes the six steps to turn your “desires into gold.”
First: Determine exactly how much money you want to accumulate.
Second: Determine exactly what you will do to get this money.
Third: Establish the date by which you will do this.
Fourth: Create a definite plan to accumulate this money.
Fifth: Write out a clear, concise goal statement.
Sixth: Keep your goal statement at the top of your mind.
This is an autoresponder series I did for Brian Tracy's Wealth Building Made Simple program. Each email focused on a specific lesson from the program with the goal of getting readers to order the program.
Here’s a presentation that tells you how you can manage your money the best way. To make a good saving and investing plan you need to take stock of where you stand financially – assess your goals and what the future might hold; and consider your experience and attitudes.
How’d you like the chance to get your hands on 80 more Klippyo Kreations, with all the benefits of UNLIMITED KLIPPYO KREATOR ACCESS, for just one, single, teeny-tiny dollar?
Mad About Money is financial management with a difference. It aims to make financial freedom a reality through interactive media and personal and group connect. It is about developing a mindset apart from the general mindset – A mindset which has made the rich rich and left the poor to remain poor.
Mad About Money is financial management with a difference. It aims to make financial freedom a reality through interactive media and personal and group connect. It is about developing a mindset apart from the general mindset – A mindset which has made the rich rich and left the poor to remain poor.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
3. We welcome you to a place where
your financial worries fade off.
4. Each one of us have different relationships in
Life. Our Relationship with money is no
different. It has some value, emotions and in
the absence of money all other relations go
wrong.
However wealthy we are , we always wish to
create more wealth at all points of life. That
is why we all are here today.
5. Money has no substitute. Earlier , there used
to be barter system in which exchange of
goods and commodities used to take place.
Money has no Religion....Rs.1000 note with
rickshaw puller has same value as with a
businessman
7. If it is Time, Then at the end of this
presentation give me some Money which you
can earn again.
If it is Money, Then You are Happy giving me
your Time which will never come back in this
Lifetime.
Here, most of us are not ready to part with
their money but ready to part with their
time.
8. Now , we have to establish a
relationship between Money and
Time. If this relationship is
established well, one will be
successful in Creating WEALTH!!
10. • Time allows you to take risks : Those who
begin to invest late in life are often
inherently more cautious with how they
invest their money.
• Be a step ahead of everyone else : “The
early bird catches the worm” is an idiom
worth adhering to. The earlier you begin
investing, the better your personal financial
situation will be down the line.
11. 1.33
Crores*
5.71
Crores*
40 years25 years 60 years
Ram Shyam
Investment Starting
Age
25 40
Investment - Monthly
SIP
Rs.5,000/- Rs.10,000/
Saving Years till age 60 35 years 20 years
Total Investment Made Rs.21 lacs Rs.24 lacs
Starting Early
Give time to your investments
rather than timing
* Constant Savings
Note: The above figures are for illustrative purpose only. Assuming ROI is 15%.
12. •Compound interest
makes a BIG
difference: Essentially,
compound interest is
the interest earned on
interest. By
continuously reinvesting
your earnings, you are
exponentially increasing
your return on
investment.
13. Wealth will not be
created overnight. For
example: A seed grows
into a Tree in around
25 years. Similarly, if
we sow the seed of our
investments now and
keep watering it
regularly(discipline in
investments), it will
grow into a big tree at
the time of your goal.
15. Becoming Wealthy is not a matter of
How much you earn,
Who your parents are, or
What you do,
It is a Matter of Managing your Money
Properly
16. “The minute we need a thing , we begin
paying for it whether we buy it or not."
For example: If there is a need to visit
Dentist and you delay it thinking that the
problem will solve on its own, you might
have to pay more for the treatment in the
years to come.
17. Assuming that, for retirement corpus, one
needs to do SIP of Rs. 5000 pm for 30 years.
Even if there is a delay of 3 years in doing so,
one will lose Rs. 97 Lacs (assuming 15%
returns).
Another Perspective of the same Situation: If
you delay your investment, then you would
lose Rs. 17 Lakhs in today’s worth of money.
18. Stay away from short
cuts to wealth such
as gambling or get
rich quick schemes.
The chances of losing
or getting frustrated
are much higher than
success. You just end
up throwing your
money away.
19. Generally the
focus is on
selecting
products rather
than starting off
with your
investments.
Change this to
see the
change.
20.
21. EARNINGS - EXPENSES =
SAVINGS
Which also means that if anything is left after
expenses, that will be saved . Most of the time
income seemed to have evaporated by the end
of the month.
22. If you change this equation a little bit, it can
change your Financial Life as well:
EARNINGS - SAVINGS=
EXPENSES
First Save and then Spend.
23.
24. You can make a small notebook every month or
use a spreadsheet for the same or now a days
there are lot of Mobile apps which help you
track your expenses on daily basis .
Categorize your expenses under areas such as
Home loan EMI, Car payment, Electricity bill,
Gocery, Entertainment, Kids and other expense
categories. This way you can keep track of how
much is spent on each category and develop a
budget plan.
25.
26. Creating a budget can be a frustrating task.
Staying on budget can be even harder.
Once you've created your budget, it's
important to stick to it. Prioritize your
expenses and keep a watch on your
spending.
Living without a budget is similar to
travelling across the country without a
roadmap. While both can be accomplished,
the result is usually expensive and wasteful.
27.
28. Start with a disciplined investment where
outgo has to be there every month on a pre
specified date and structure should be such
that payment has to made compulsorily.
No easy exit option before the goal arrives.
There should be a kind of Forced saving
because if you promise to save for a
particular goal you fail to do so.
29. The rule to remember is if you can't pay it
with cash, you can't afford it.
Buy what you need, not what you want. If
you can't afford it, don't buy it.
If you Buy what you don’t need, one day will
come when you will have to sell things you
Need.
30.
31. Set your goal, make your plans and
preparations, and be ready to adapt when
circumstances demand it.
Remember that the goal is to reach the
destination you’ve chosen, not necessarily to
follow the exact plan you’ve laid out.
If you give the required time to fulfil your
goals, your goals will follow you.
32. Your LEGACY
(Estate Planning)
Your DREAMS
(savings, home ownership,
retirement, Education/marriage
planning)
Your RISKS
(Health cover, life cover, Emergency fund)
34. A Goal is an aspiration one wants to achieve.
35.
36. Estate planning is the process by which an
individual or family arranges the transfer of
assets in anticipation of death.
An estate plan aims to preserve the
maximum amount of wealth possible for the
intended beneficiaries and flexibility for the
individual prior to death
37.
38. Set your goal, make your plans and
preparations, and be ready to adapt when
circumstances demand it.
Remember that the goal is to reach the
destination you’ve chosen, not necessarily to
follow the exact plan you’ve laid out.
If you give the required time to fulfil your
goals, your goals will follow you.
39.
40. As a part of Corporate Social responsibilty,
Hareepatti provides Free Consultancy Service
to the Family of Deceased with regards to
Insurance Claim, Nomination Change,
Transfer of Funds, Surrender , Clearing
assignments etc.
Till date, we have approached 300 families
through sms/ mail/letters and out of which
we have served 8 families.