Financial planning
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This document discusses the importance of financial planning and creating a financial plan. It notes that a financial plan helps individuals achieve their life goals by making informed money management decisions. It also outlines some key questions to ask when making a financial plan, such as current financial situation and vision for the future. The document aims to study patterns in how individuals allocate savings across different asset classes and increase awareness of financial planning options.
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The document discusses different types and sources of intermediate-term financing or capital. It defines intermediate-term financing as borrowings with a repayment schedule of more than one year but less than ten years. Some key points made in the document include:
- Intermediate-term financing is used for small business expansions and typically comes from commercial banks and insurance companies. Common uses include machinery purchases and facility upgrades.
- Repayment is usually done through installment plans over 1-5 years. Options include equal principal payments, equal amortization, balloon payments, and deferred principal payments.
- Sources mentioned are private financial institutions like commercial banks, insurance companies, and finance companies, as well as government-backed banks
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Sources of Business Finance, from where the Business can get its money. Internal As well External.
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Businesses require finance for starting up, day-to-day operations, and unexpected expenses. Sources of finance can be internal, like retained profits or asset sales, or external through loans, shares, or debentures. Short term finance is needed for under a year and can come from overdrafts, trade credit, or loans. Medium term finance for 1-5 years includes leasing and hire purchase. Long term external finance over 5 years includes shares, debentures, and long term bank loans. The appropriate source of finance depends on the amount needed and the length of time for which it is required.
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This document discusses means of financing, stages of funding, and funding agencies. It outlines various means of financing a business including share capital, term loans, debenture capital, deferred credit, incentive sources, and miscellaneous sources. The stages of project financing are described as the pre-finance, financing, and post-financing stages. Key funding agencies mentioned include the University Grants Commission, All India Council for Technical Education, Council of Scientific and Industrial Research, and various Indian government ministries and departments.
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The document discusses different types and sources of intermediate-term financing or capital. It defines intermediate-term financing as borrowings with a repayment schedule of more than one year but less than ten years. Some key points made in the document include:
- Intermediate-term financing is used for small business expansions and typically comes from commercial banks and insurance companies. Common uses include machinery purchases and facility upgrades.
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This document discusses sources of finance for businesses. It outlines different classifications of sources including short, medium, and long term sources. Short term sources include bank credit, customer advances, and trade credit. Medium term sources include debentures, preference shares, and bank loans. Long term sources include debentures, shares, and plowing back profits. Sources are also classified as internal or external, owned or borrowed, and according to the mode of financing such as security/external financing, internal financing, and loan financing. Security financing involves raising funds through corporate securities like shares and debentures.
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The document provides an overview of financial planning using mutual funds. It discusses how financial planning helps meet life goals through proper management of finances. It also outlines the key steps in financial planning, including setting objectives, developing plans to meet objectives, creating a budget, and regularly reviewing progress. The document then discusses research methodology, highlighting the objectives to better understand financial planning and mutual funds as an investment avenue tailored to investors' risk profiles and goals.
Internship project
The document discusses mutual funds and ICICI Securities. It provides an overview of mutual funds, including their advantages like professional management, diversification, and convenience. It also discusses types of mutual funds such as close-ended, open-ended, and tax saving schemes. The document then provides details about ICICI Securities, including its mission to create informed access to wealth for clients through services like investment banking, broking, and financial product distribution. ICICI Securities operates out of 66 cities in India and has global offices in Singapore and New York.
FM PPTS.pdf
The PowerPoint presentation covers key concepts in financial management including:
- Definitions of finance and financial management from various authors.
- The nature and scope of financial management, including the functions of investment, financing, and dividend decisions.
- The objectives of financial management including maximization of profits, returns, and shareholder wealth.
- Key concepts in investment decisions like risk-return tradeoff, discounting and present value calculations.
- Other important financial concepts covered include cost of capital, capital budgeting techniques, and valuation of annuities, perpetuities and growing cash flows.
3RD SEM PROJECT PPT.pptx
This document summarizes a study on investor preferences for investment avenues in India. It conducted a survey of 110 investors to understand their awareness and preferences. The study found that while investors were aware of options like stocks, mutual funds, and bonds, many lacked comprehensive knowledge of financial planning and did not have a balanced investment portfolio. It suggested that financial institutions and the government should provide more financial education programs to help investors make wise investment decisions aligned with their goals and risk tolerance.
Financial Planning 1
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 2
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.
Introduction to finance.pptx
The document discusses the goal of the firm and agency conflicts. The main financial goal of a firm is to maximize shareholder wealth by increasing share price over the long run. However, there are agency conflicts as managers may prioritize their own goals over shareholders. Steps like incentive compensation plans, the threat of takeover, and bond covenants aim to align manager and shareholder interests. Firms also consider stakeholders and act socially responsible while still pursuing the primary goal of shareholder wealth maximization.
Introduction to investments
This document outlines the course Securities Analysis and Portfolio Management. The objectives of the course are to provide students with frameworks for evaluating investment avenues and managing funds. It will cover various financial instruments, markets, regulations, and portfolio management techniques. The course is divided into 6 units that will cover topics such as fixed income securities, security analysis methods, modern portfolio theories, and portfolio strategies. Students will learn to analyze investments and manage portfolios effectively.
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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.
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
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二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
RMIT University degree offer diploma Transcript
澳洲RMIT毕业证书制作RMIT假文凭定制Q微168899991做RMIT留信网教留服认证海牙认证改RMIT成绩单GPA做RMIT假学位证假文凭高仿毕业证申请墨尔本皇家理工大学RMIT University degree offer diploma Transcript
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
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Financial planning
- 1. By: Bunty Shah Enrollment No: 125764339 Roll No: A12018 Management Trainee : Motilal Oswal Financial Planning Department Bombay Stock Exchange Institute Ltd
- 2. • A financial plan is a path to help you achieve your life’s financial goals. It is the process of making learned money management decisions in order to safeguard your future. • It helps you to full fill financial goals and meet personal priorities. It takes into consideration your available resources, responsibilities, lifestyle and risk appetite. Allocating your savings across various asset classes to achieve an appropriate risk-reward balance and ensuring long-term financial security are the basics of financial plan. • You need to ask yourself some questions before making a financial plan, like: 1. What is your current financial situation? 2. What is your vision of your future financial situation? 3. How do you plan to achieve your vision?
- 3. • To identify investment habit of people. • To analyze the characteristics of different asset class. • To study changes in financial planning with change in age. • To identify various avenues for investment. • To spread awareness of financial planning. • To examine factors influencing the investment decision.
- 4. I have come across various avenues available for an individual to invest and ways to achieve long term and short term financial goals through financial planning. It intend to study the pattern in which individual allocates his savings in various asset class. It describes the awareness of investor about various alternatives available to them. It also aims at creating awareness of financial planning.
- 5. 1) Advising on clients current portfolio Example:- Equities, Mutual Funds, Insurance, Etc 2) Recommending new products to clients in case the client is not able to achieve his/her goal from the current financial plan
- 6. • Past performance of company • Credibility of the company • Credit rating of the company in case of company issuing bonds , corporate fd’s • Risk measure • After sales service of the company • Claim settlement ratio in case of insurance
- 7. • Investment made by the respondent in various avenues 0 5 10 15 20 25 30 35 40 45 50 Life Insurance Fixed Deposit Mutual Fund Equity Market Gold PPF Post Office Deposit Respondent Respondent
- 8. • Savings rate in India is comparatively higher than various other countries. • The major portion of financial saving goes into pension funds and life insurance • the prime two instruments for household long term saving like pension saving and life insurance have come to an idle state • Allocation of Portfolio is not upto the mark which makes the low returns from the market developments
- 9. • After all this it can be stated that the fundamental corner stones of successful investing are: • Save regularly, Invest regularly • Start Early • Diversify • Use tax shelter • Keep a regular check on investment and modify plans as and when needed
- 10. • Arrange for seminars and sessions • Regular meetings • Follow-up • Goal should be properly divided • Diversification • Investment through SIP should be encouraged