Life’s biggest & longest holiday - Retirement
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An initiative aims to promote financial awareness in India by educating people on the importance of retirement planning and savings. It notes that 78% of Indians are not preparing financially for retirement and highlights how small monthly savings of Rs. 20,125 starting at age 30 can grow to Rs. 2,02,514 by age 60. The initiative stresses calculating future household and rising medical expenses to have sufficient retirement funds.
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An initiative to promote financial awareness is described. The document provides contact information for Biswajit Das, a diploma holder in wealth management and goal planning specialist. It also shares performance metrics for an investment portfolio from February 2015 to February 2016, showing returns that outperformed relevant indexes and mutual funds by significant percentages.
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Biswajit Das is a wealth management specialist who provides financial advising and goal planning services. The document lists his contact information and credentials, including a diploma in wealth management and certification as a goal planning specialist. It also poses the question "Can your family survive for life long with this money?" to prompt consideration of income protection and life insurance for financial security after death.
El origen del universo según las religiones
Más información en:
http://universidadpopularc3c.es/index.php/actividades/conferencias/event/2437
Ponente: Dr. Enrique Romerales Espinosa, Profesor de Historia de las Religiones de la UAM.
Tema: Conferencia sobre el origen del universo según las religiones.
Fecha: 19 de enero de 2016
Lugar: Universidad Popular Carmen de Michelena de Tres Cantos.
Resumen: La Cosmogonía es una narración mítica que pretende dar respuesta al origen del Universo y de la propia humanidad.
Generalmente, en ella se nos remonta a un momento de preexistencia o de caos originario, en el cual el mundo no estaba formado, pues los elementos que habían de constituirlo se hallaban en desorden; en este sentido, el relato mítico cosmogónico presenta el agrupamiento —paulatino o repentino— de estos elementos, en un lenguaje altamente simbólico, con la participación de elementos divinos que pueden poseer o no atributos antropomorfos.
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El contenido de la conferencia versará sobre el origen del universo según las diversas religiones, pero no se hará un recorrido histórico, sino temático (y sistemático), agrupando las cosmogonías en pluralistas (y dentro de estas las dualistas y las que se remiten a tres principios) y las monistas, dejando para el final las que se pueden denominar como "paradójicas" por su carácter sorprendente y difícil clasificación.
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An initiative aims to promote financial awareness in India by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. Das provides his contact information including phone number, email, and social media links to discuss financial literacy and advising, as financial literacy is currently very low in India according to a study.
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Biswajit Das is a goal planning specialist and holds a diploma in wealth management. He provides advising services to help clients plan for rising household expenses given inflation. Based on assumptions of the client's current age of 25, retirement at 60, and 8% annual inflation, Biswajit estimates that the client would need over 4.4 million rupees to cover household expenses at retirement compared to 300,000 rupees currently. He provides his contact information for clients seeking financial advising beyond standard recommendations.
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An initiative aims to promote financial awareness by emphasizing that people often make emotional, rather than rational, decisions about managing their money. While many believe they can manage their finances without professional help, most individuals actually take emotional decisions about money most of the time. Managing money effectively requires managing emotions as well.
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2016 02-04 reactie laure itard hh-tud
Presentatie Laure Itard voor SURFacademy Smart buildings: what ict can do op 4 feb 2016
Posturi ocupate dupa disciplina arges 25.02.2016 edu.ro
Lista publicata pe Portal SEI>Titularizare 2016> Rapoarte>Pagina judetului la data de 25.02.2016
Income protection - The ultimate protection
Biswajit Das is a wealth management specialist who provides financial advising and goal planning services. The document lists his contact information and credentials, including a diploma in wealth management and certification as a goal planning specialist. It also poses the question "Can your family survive for life long with this money?" to prompt consideration of income protection and life insurance for financial security after death.
El origen del universo según las religiones
Más información en:
http://universidadpopularc3c.es/index.php/actividades/conferencias/event/2437
Ponente: Dr. Enrique Romerales Espinosa, Profesor de Historia de las Religiones de la UAM.
Tema: Conferencia sobre el origen del universo según las religiones.
Fecha: 19 de enero de 2016
Lugar: Universidad Popular Carmen de Michelena de Tres Cantos.
Resumen: La Cosmogonía es una narración mítica que pretende dar respuesta al origen del Universo y de la propia humanidad.
Generalmente, en ella se nos remonta a un momento de preexistencia o de caos originario, en el cual el mundo no estaba formado, pues los elementos que habían de constituirlo se hallaban en desorden; en este sentido, el relato mítico cosmogónico presenta el agrupamiento —paulatino o repentino— de estos elementos, en un lenguaje altamente simbólico, con la participación de elementos divinos que pueden poseer o no atributos antropomorfos.
La cosmogonía pretende establecer una realidad, ayudando a construir activamente la percepción del universo (espacio) y del origen de dioses, la humanidad y elementos naturales. A su vez, permite apreciar la necesidad del ser humano de concebir un orden físico y metafísico que permita conjurar el caos y la incertidumbre.
El contenido de la conferencia versará sobre el origen del universo según las diversas religiones, pero no se hará un recorrido histórico, sino temático (y sistemático), agrupando las cosmogonías en pluralistas (y dentro de estas las dualistas y las que se remiten a tres principios) y las monistas, dejando para el final las que se pueden denominar como "paradójicas" por su carácter sorprendente y difícil clasificación.
05 is06 islam fiestas y ritos
El documento resume las principales fiestas y rituales del Islam: 1) Las principales fiestas religiosas son el aniversario del profeta, el ayuno de Ramadán, la noche del destino, el final de Ramadán, la fiesta del sacrificio y el año nuevo de la Hégira. 2) Los tres principales ritos del ciclo vital son la circuncisión, el matrimonio y los ritos funerarios. 3) El matrimonio y los ritos funerarios varían según la cultura pero siempre siguen los principios del Islam.
Resume_Yue_Xiao (Consulting)
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Posturi ocupate dupa disciplina arges 25.02.2016 edu.ro
Posturi ocupate dupa disciplina arges 25.02.2016 edu.ro
More from Biswajit Das. "Relationship Beyond Advising."
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 yearsBiswajit Das. "Relationship Beyond Advising."
The document discusses an iconic property in Mumbai that was purchased in 1957 for 18 lakh rupees and recently sold for 750 crore rupees. While this represents a 4,000 times increase in value over 58 years, when accounting for inflation the annual growth rate of the property was 15.45%, which is a reasonable return but not astronomical.Can you imagine 1 lakh become 2.96 cr?
This document promotes financial awareness and goal planning by analyzing the historical returns of various investment options in India from 1979 to 2017. It shows that investing 100,000 in the stock market index Sensex would have grown to over 29.6 million after adjusting for inflation, far outpacing similar investments in fixed deposits, public provident fund, gold, or the employees' provident fund. The document advocates for financial planning and investing to achieve long-term goals.
Long term wealth creation through equity investment
The document discusses various investment and savings options for individuals, including their typical returns and risks. It provides statistics on household savings in India for 2013-14, showing the majority in currency and bank deposits, followed by investment in shares, debentures, mutual funds, and life insurance. The document advocates that equity investment through the stock market can be a means to multiply wealth over the long run through participation in a country's economic growth, but that individuals tend to be more conservative investors.
Thank u
An initiative to promote financial awareness saw over 21,000 views in May. The author thanks well-wishers for viewing posts on different financial topics. He requests suggestions on other topics that could make the awareness program more meaningful.
Take the advantage of lower interest rate
An initiative aims to promote financial awareness by helping people take advantage of lower interest rates for existing housing and personal loans. The initiative offers free doorstep service across India with no processing fees for housing loan balance transfers until July 31, 2017. The goal is to help people benefit from lower interest rates through housing and personal loan balance transfers.
Equity is risky not investing in equity is risky - 2
The document promotes a financial awareness initiative by Biswajit Das, a diploma holder in wealth management. The initiative aims to educate people about basic financial concepts like job, income, investment, return, expenses, consumption, supply, demand, and manufacturing. It argues that investing in equities is not inherently risky and that not investing in equities to multiply wealth through economic development is actually the riskiest option.
Financial literacy in india very low
An initiative aims to promote financial awareness in India by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. Das provides his contact information including phone number, email, and social media links to discuss financial literacy and advising, as financial literacy is currently very low in India according to a study.
Real estate – real fact 2
An initiative aims to promote financial awareness by providing education on wealth management and goal planning. It is led by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. The initiative focuses on building relationships and advising clients beyond just transactions.
Client return as on jan17
This document discusses initiatives to promote financial awareness and provides data on returns from different investment options like LIC FD, PPF, EPF, gold, and the Sensex from April 1979 to March 2016. It also shares details on client returns from investments made between April 2005 to November 2006 and between February 2015 to January 2017, showing that the client returns outperformed index returns with lower equity exposure.
Post retirement health insurance expenses
This document discusses health and critical illness insurance premium costs for retirees. It provides an example of yearly premium costs for a floater health insurance policy with a sum assured of 25 lakh for two people and individual critical illness policies with a sum assured of 20 lakh each. The premium costs increase with age, with yearly health insurance premiums ranging from Rs. 75,450 for ages 61-65 up to Rs. 160,684 for ages 76-80 and critical illness premiums ranging from Rs. 312,000 for ages 61-65 up to Rs. 532,000 for ages 71-75. It concludes by asking if the reader knows how much money they will require after retirement.
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealthBiswajit Das. "Relationship Beyond Advising."
The document discusses predictions from Citi Group, PWC, Goldman Sachs, and HSBC that China will have the largest economy in 2050, followed by India and the US. It notes that 200 years ago in 1820, India had the second largest economy in the world after China, while the US economy was only 2% of the world's GDP. In 1700, India's GDP was almost 9 times larger than Britain's GDP, and just before Indian independence in 1947, Britain's GDP became 1.2 times larger than India's GDP.Rising house hold expenses – income not rising
Biswajit Das is a goal planning specialist and holds a diploma in wealth management. He provides advising services to help clients plan for rising household expenses given inflation. Based on assumptions of the client's current age of 25, retirement at 60, and 8% annual inflation, Biswajit estimates that the client would need over 4.4 million rupees to cover household expenses at retirement compared to 300,000 rupees currently. He provides his contact information for clients seeking financial advising beyond standard recommendations.
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creationBiswajit Das. "Relationship Beyond Advising."
Biswajit Das is a goal planning specialist and wealth management professional who provides advising on rebalancing portfolios. Rebalancing periodically adjusts a portfolio to protect gains through effective risk management and achieve financial goals. Das shares insights on rebalancing as the ultimate art and science of wealth creation and promotes financial awareness through education initiatives. Contact information is provided for those seeking advising on portfolio management.Money management – Emotion management
An initiative aims to promote financial awareness by emphasizing that people often make emotional, rather than rational, decisions about managing their money. While many believe they can manage their finances without professional help, most individuals actually take emotional decisions about money most of the time. Managing money effectively requires managing emotions as well.
Inflation – The silent & invisiable killer
The document discusses the effects of inflation on investment returns. It provides an example where a Rs. 100,000 investment earning 7.25% annually over some period results in a maturity value of Rs. 107,250. However, after accounting for 30% taxes of Rs. 2,175 and 5.18% inflation erosion of Rs. 5,556, the real net maturity value is only Rs. 99,519, resulting in a net return of -7.73% rather than the 7.25% quoted return. Thus, the document illustrates how inflation can act as a silent killer by eroding investment returns over time if not accounted for.
Impulsive buying is dangerous – control it
Biswajit Das is a goal planning specialist who received his diploma in wealth management from IIFP Delhi. He is promoting financial awareness through initiatives on controlling impulsive buying and maintaining relationships beyond advising. His contact information is provided for those seeking advising on wealth management or goal planning.
Guaranteed return – wealth creation not guaranteed
Biswajit Das is a diploma holder in wealth management and goal planning specialist who provides relationship-based advising. He shares contact information including phone number and email on multiple occasions. The document discusses how an investment of Rs. 100,000 earning 7.25% return results in a net maturity of Rs. 99,519 after accounting for 30% tax and 5.18% inflation, showing that returns are not truly guaranteed once taxes and inflation are considered.
Gold – not glittering
The gold price crashed internationally three times from 1980 to 1999, falling from $850 per ounce to $252 per ounce. During this period, the Indian rupee weakened six times against the US dollar, causing the Indian gold price to rise three times in rupees from Rs. 1,159 to Rs. 4,474. However, few Indians now understand that gold prices can fall due to increased financial awareness. Indians currently hold around 20,000 tons of gold worth around $1 trillion, but gold is considered a non-productive asset. The myth that gold prices never fall is untrue.
Equity is risky - Not investing in equity is risky
The document promotes financial awareness by debunking the myth that equity markets are always risky. It notes that over the past 37 years, an investment of Rs. 100,000 in the Indian stock market would have grown to Rs. 2,53,42,000, showing the long-term potential of equity investing in India's growing economy despite short-term volatility. Contact information is provided for Biswajit Das, a financial advisor who specializes in wealth management and goal planning.
Equity is risky - Not investing in equity is risky
An initiative aims to promote financial awareness by addressing the myth that equity markets are always risky. The reality is that the Indian equity market has historically generated strong returns that have outpaced inflation rates. Investing in the growing Indian economy through the stock market can yield high returns over the long run.
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In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
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13 Jun 24 ILC Retirement Income Summit - slides.pptx
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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The Rise and Fall of Ponzi Schemes in America.pptx
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
Exploring-Madhya-Pradesh-Culture-Heritage-and-Land-Records.pptx
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
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Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.一比一原版宾夕法尼亚大学毕业证(UPenn毕业证书)学历如何办理
挂科购买【微信号:176555708】【挂科购买(UPenn毕业证书)】【微信号:176555708】《成绩单、外壳、offer、真实留信官方学历认证（永久存档/真实可查）》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。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路）我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
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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【微信号:176555708】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
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【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：客户在留信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！
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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.
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Life’s biggest & longest holiday - Retirement
- 1. An initiative to promote Financial Awareness by BISWAJIT DAS Diploma in Wealth Management – IIFP Delhi, Goal Planning Specialist – EDGE Learning Academy Relationship Beyond Advising Call – 9339288488, Mail – dbiswajitifcs@gmail.com https://www.linkedin.com/pub/biswajit-das/1a/504/148 https://twitter.com/dbiswajitifcs https://www.facebook.com/dbiswajit.ifcs 78% Indian suffers for not preparing for Retirement expenses – ET 28.8.14 Hope you are out of 78% of Indian At the age of 30 Rs. 20,125 At the age of 60 Rs. 2,02,514 Life’s biggest & longest holiday - Retirement Calculate future house- hold exp. & rising medical cost. Never Always Household exp. excluding health care exp.