This document discusses financial planning during tough economic times. It notes that stock markets are down 70% and investors have lost confidence, leading to job cuts that further reduce demand. This creates an unstable environment with an uncertain future. The document advises checking three parameters: goals and objectives, risk appetite, and time horizon. It suggests different investment options depending on the time horizon and risk tolerance. Having insurance can help protect goals and dreams against uncertainties. The right financial advice can help people sleep better.
As part of our Investor education initiative, HDFC MF has sponsored a booklet on 'Plan Your Child's Education' which was printed and published with the current issue (December 30, 2013) of Outlook magazine.
As part of our Investor education initiative, HDFC MF has sponsored a booklet on 'Plan Your Child's Education' which was printed and published with the current issue (December 30, 2013) of Outlook magazine.
Top 5 Financial Mistakes Women Make and Way to Avoid Themcparker10
Paker Financial, LLC presentation to the 2009 Charles County Women's Fair, A Journey to Wellness. Charles County Commission for Women. College of Southern Maryland. Center for Business and Industry. La Plata, MD. 7 Mar. 2009.
Wallet4wealth delivering you a monthly newsletter to manage your personal finance. When we are out with our latest issue of NEWSLETTER by the end of February 2022, world is watching yet another crisis ! Russia - Ukraine war.
As Indian stock market tanked around 5% on Thursday 24th Feb 2022 amidst Russia - Ukraine war situation, most investors got into panic and fear grip. By the time we are publishing this newsletter, the WAR crisis is more intensified and the peace talk is looking dim. The Crisis seems to take an ugly turn if NATO members unite together and push Russia to take some dangerous turn.
There are many political and expert comments available in free media which are providing live updates on the situations. However we have shared a special note related to this WAR situation and key reasons behind this Crisis. Understanding the key reason for any crisis gives you better control on your emotional decisions related to such event.
If you want to give any feedback you can suggest us in the comment box. Also do like and share to motivate us so that we will provide you latest information in our next Newsletter. For more update visit our website https://wallet4wealth.com/ . Thank You.
The monthly newsletter by seeman fiintouch LLP February 2022Ashis Kumar Dey
BUDGET WAR & ELECTION,
MARKET OFFERS VOLATILITY & OPPORTUNITY
world is watching yet another crisis !
Russia – Ukraine WAR
A SIMPLE YET SUCCESSFUL METHOD FOR KIDS EDUCATION KITTY
"most important thing to understand is that every CRISIS is
temporary and is bound to end – hence there is a saying ‘ Fall is temporary but Growth is permanent’
1.EDITORIAL
2.INSPIRING CASE STORY
3.INVESTING DURING CRISIS
4.MARKET INDICATORS
A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
In this presentation we will deal with the “Concept of Investment” and further discuss the purpose, speculation and strategies to be followed while investing.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
Wallet4wealth newsletter-jan-2022. In this news letter we have highlighted Union Budget 2022, Inspiring case stories, 5 must do SIPs for 2022, Market indicators etc. Finance minister Nirmala Sitharaman presented her Budget which was based on 7 key priorities.
Top 5 Financial Mistakes Women Make and Way to Avoid Themcparker10
Paker Financial, LLC presentation to the 2009 Charles County Women's Fair, A Journey to Wellness. Charles County Commission for Women. College of Southern Maryland. Center for Business and Industry. La Plata, MD. 7 Mar. 2009.
Wallet4wealth delivering you a monthly newsletter to manage your personal finance. When we are out with our latest issue of NEWSLETTER by the end of February 2022, world is watching yet another crisis ! Russia - Ukraine war.
As Indian stock market tanked around 5% on Thursday 24th Feb 2022 amidst Russia - Ukraine war situation, most investors got into panic and fear grip. By the time we are publishing this newsletter, the WAR crisis is more intensified and the peace talk is looking dim. The Crisis seems to take an ugly turn if NATO members unite together and push Russia to take some dangerous turn.
There are many political and expert comments available in free media which are providing live updates on the situations. However we have shared a special note related to this WAR situation and key reasons behind this Crisis. Understanding the key reason for any crisis gives you better control on your emotional decisions related to such event.
If you want to give any feedback you can suggest us in the comment box. Also do like and share to motivate us so that we will provide you latest information in our next Newsletter. For more update visit our website https://wallet4wealth.com/ . Thank You.
The monthly newsletter by seeman fiintouch LLP February 2022Ashis Kumar Dey
BUDGET WAR & ELECTION,
MARKET OFFERS VOLATILITY & OPPORTUNITY
world is watching yet another crisis !
Russia – Ukraine WAR
A SIMPLE YET SUCCESSFUL METHOD FOR KIDS EDUCATION KITTY
"most important thing to understand is that every CRISIS is
temporary and is bound to end – hence there is a saying ‘ Fall is temporary but Growth is permanent’
1.EDITORIAL
2.INSPIRING CASE STORY
3.INVESTING DURING CRISIS
4.MARKET INDICATORS
A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
In this presentation we will deal with the “Concept of Investment” and further discuss the purpose, speculation and strategies to be followed while investing.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
Wallet4wealth newsletter-jan-2022. In this news letter we have highlighted Union Budget 2022, Inspiring case stories, 5 must do SIPs for 2022, Market indicators etc. Finance minister Nirmala Sitharaman presented her Budget which was based on 7 key priorities.
Smart Money magazine is a fully personalised and branded consumer-driven personal financial planning client publication. Sent to key clients, professional intermediaries and prospects, every issue will enable your business to improve client communication, raise brand awareness, develop greater marketing efficiency, enhance client retention and increase sales - all of which are becoming increasingly important, particularly in the light of Treating Customers Fairly (TCF) and the Retail Distribution Review (RDR).
Goldmine Media has been publishing Smart Money magazine for over a decade and every issue features timely and accurate editorial combined with intelligent design. Whether you are a financial adviser, wealth manager, accountant or solicitor, every issue will provide you with the perfect marketing solution to engage more effectively with your business audiences.
The front cover of Smart Money magazine features your business logo and company name printed in your corporate colours and also includes your contact details and regulatory statement. At no additional cost you can change the title name to make every issue even more bespoke and relevant to your business.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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
2. Stock Market Down by 70% The TOUGH TIME
Investors lost their Confidence.
Higher Interest Cost for Corporate
Higher Interest Cost for Corporate
Job CUT : Further Leads to Negative Impact on DEMAND
Uncertain TIME, Uncertain FUTURE.
3. What are the EFFECTS?
1. Portfolio Value at Rock Bottom if
Invested most of the money in
Equity Market
Market.
2. No Fresh Demand is Creating
through IPO or E it NFO
th h Equity NFO.
3. Supply is Higher than DEMAND
hence, Increased possibilities of
Stock Market Going Down further.
4. Do you NEED to WORRY?
If your Portfolio is UNSTABLE
You h ld be
Y should b worried i d
If Your Portfolio is STABLE
Sit and Relax.
5. Unstable Equity / MF / Debt
Portfolio
P tf li and Others
d Oth
Emergency
Equity
Fund
Market
Mutual
Fund Insurance
Debt
Instrument
Stable
Portfolio
Emergency Fund
Insurance / Protection
Insurance / Protection You can be WORRY‐FREE if
your Portfolio is STABLE
6. THREE Parameters to CHECK…
GOAL or OBJECTIVE
Must be linked with Emotions and Not LOGIC only..
Must be linked with Emotions and Not LOGIC only
RISK APPETITE
RISK APPETITE
Lets define this Clearly, Don’t Expect 100% Return at 10% RISK
TIME HORIZON
•The Shortest TERM possible to get RETURN is only
CALL Money Market
y
•Define Time Horizon CLEARLY
7. GOAL or Objective of INVESTMENT
Financial
Planning
Protection
Insurance
Child’s education and
marriage
Creation of wealth, so the best can
Investment
be provided to the family
Money for emergencies
An independent
retired life
Legacy for future
generations
8. Head + Heart = Buying DECISION
STRONG Emotional Connect
Rational Thinking
Emotions Q
Question
Guaranteed Return of 10% or
Non Guaranteed Return of 10% Denial Nothing is going to happen to me
FEAR God Forbid
Financial LOGIC
Returns, Economic Conditions, Concern
C How much is enough to E
H hi h t Ensure
Product Comparison Financial Security for my Family?
Love and I love my wife and children very much.
Recommendation by Advisor, Affection
Friends and Relatives Determination I want my dreams for my family to be
Ensured, regardless of what happens
13. Protecting your
Risk GOALS and DREAMS
Management against Any
g y Estate Planning
state Planning
Uncertainty
Uncertainties Covered Whole Life Policies
•Pre‐matured Death
Pre matured Death MWP Act
•Accident Nomination
•Disability Absolute Assignment
•Sickness
INSURANCE
Retirement Planning
and Employee Benefits Choice of Asset Tax Planning
Allocation (Debt,
Pension Schemes
Immediate q y,
Equity, Market Section 80C
Deferred Linked Returns with Section 80D
Super Annuation Capital Protection) Tax Free Maturity
14. DYNAMIC FLOOR FUND
Bullish (Jan 07 to
( Bearish (Dec 07
(
Dec 07) to Dec 08) Fund in FOCUS
di
Sensex 13827 to 20288 20286 to 9832
NAV of Dynamic
NAV of Dynamic 10.17 to 13.11
10.17 to 13.11 to 13.05
to
Floor Fund
Last 2 Years Performance
Bullish – Jan’07 to Dec’07
ll h ’ ’ Bearish – Dec’07 to Dec’08
h ’ ’
% CAGR
15. Dynamic Floor Fund – Unique Advantage
Available with
Kotak Life
Insurance – Head
Start Plans
Capital Protection Returns
1. Goal Oriented : Child Education, Marriage and Start in Life Expense
2. i k
2 Risk Appetite : Low Risk – Moderate Return. Protection + Growth
i i k d i G h
3. Time Horizon : Advisable for Minimum Tenure of 10 Years
16. Financial Independence..
Stable Portfolio
Thoughtful Planning
Thoughtful Planning
Retirement Emergency
Planning Funds
Other Critical
Investments Illness
Ill
Financial
Independence
Disability Savings
g
Education Income
Funds
F d Protection
Protection
upon Death
Accident & Hospitalization