Money is a measure of value that can be exchanged and used to achieve goals and immediate pleasure. It is created through value creation activities like employment, offering services, and running or owning businesses. Leveraging concepts like borrowing, partnerships, and shares can increase value creation by taking on debt, sharing ownership, or accessing public markets. Understanding business newspapers is important to learn about interest rates, company news, financial investors, market indexes, and how to invest properly through mutual funds. The Indian financial market presents many opportunities for employment, business, and investing due to its large size and growth. Acquiring knowledge, developing skills, and maintaining a professional attitude can help individuals take advantage of these opportunities.

1. Me & My Finance J.Karthikeyan Director, Finerva

2. Agenda for the Day Money – Concept Behind It Value of Money Money Creation Leveraging Concepts Understanding a Business Newspaper Your Way Ahead

3. Money – Concept Behind It Money is a measure of value exchanged More Money is not a Sin. It is greed for money which leads to Sins. Money can help us Have Immediate Pleasure Achieve Goals

4. Time Value of Money Power of Compounding Power of Regular Investment

5. Money Creation Money Creation = Value Creation Value Creation By Being Employed (Employees) Offering a Service (Professionals) Running a Business (Business People) Owning a Business (Investors)

6. Leveraging… To Increase Value Creation Borrowing – Taking a Loan Banks Where do Banks get their Money from? Regular payouts irrespective of profits Ram borrow from Sam Rs.100,000 @ 8%

7. …Leveraging… Sharing Ownership Partners Payout Only When In Profits Ram partners with Sam both invest Rs.100,000 each

8. …Leveraging Higher Level of Leverage – Shares Transferability Higher Liquidity Higher Safety Runs on Fundamentals – Long Term Swayed by Emotions – Short Term

9. Understanding a Business Newspaper Interest Rates Why did TATA Chemicals share price drop when there was good news? Who are FIIs? What is an Index? Nifty, Sensex, Others? How do I Invest? (Why a Mutual Fund?)

10. Road Ahead… Indian Financial Markets is huge Rs.4000 crores Per Month Life Insurance, Rs.91,000 crores turnover in Shares Per Day, Rs. 5,50,000 crores in Mutual Fund Assets 1,00,000 Opportunities to be Employed Opportunity to Excel – Abundant Fields Excellent Salaries, Business Opportunities

11. …Road Ahead Acquire Knowledge Develop Skills Develop a Professional Attitude Learn Decision Making in Abstract Situations Look Before You Leap Look at the Whole Picture Be Innovative Take Risks Be Positive

12. Summary Value for Money Value Creation – Leverage Methods Understanding Business papers Opportunities For You Expectations From You