A very simple introduction to personal finance and investing comparing investments in stocks or mutual funds. Presented at BarCamp Delhi on October 25th 2009.
1) The document provides information about various financial markets including equity, commodity, forex markets and trading in these markets.
2) It explains that forex trading was launched in India in 2008 under SEBI and RBI regulations and takes place on the NSE and MCX exchanges. Daily forex turnover in India is over 50 billion.
3) The document advertises training courses by Disha Forex on basic and advanced forex trading, including costs, duration, topics covered and benefits of the courses to learn trading.
This document shows the yearly sales from 2005 to 2008 for various mobile device categories sold by Hit-the-Road Mobile Services. Standard mobile phones and camera phones sales increased each year, with standard phones reaching $188,785 in sales in 2008. Total sales for all categories grew each year from $366,857 in 2005 to $451,878 in 2008.
1) The document presents financial data for various years including amounts, percentages, and calculations.
2) It shows investment amounts for years 1-4, with gains of $225,000 in years 1 and 3, and gains of $900,000 in year 4.
3) Various percentages are also presented such as 25% and 10% relating to the gains and losses between the years.
Weartech is an educational gaming platform that allows children to play games to stimulate learning while unlocking customization options to design their own t-shirts. It aims to educate children online and develop their skills and creativity. The founders provide an overview of the company, business model, competitors, SWOT analysis, target market analysis, cost projections, and revenue projections, demonstrating neutral financial performance. They request €305,000 for a 40% equity stake to fund operations over the next 6 years.
This document provides an overview of financial technology (fintech) in India. It notes that India has a large population that is young, mobile, and growing rapidly. The fintech market in India is poised for significant growth, especially in digital payments via mobile devices. Mobile banking and digital payment solutions have potential to better serve small businesses and help move India towards a more cashless society. The document outlines several trends in Indian fintech including growing smartphone and internet usage, and opportunities in areas like lending, payments, remittance, and banking technology.
The document presents data on housing market inventory levels from August 2011 through October 2011 for several Chicago suburbs. It shows the number of active listings, average days on market (DOM), and months of supply by price range for communities such as Addison, Algonquin, Antioch, Arlington Heights, Aurora, Barrington Area, and Bartlett. The data indicates that in most communities and across most price ranges, inventory levels decreased slightly from August to September to October while average DOM increased, resulting in a small decrease in months of supply over the three months.
This document presents a monthly report from the A. L. Wagner Appraisal Group analyzing housing market inventory levels by price range for several Chicago suburbs in February 2010. It provides data on the number of active listings, average days on market, and months of supply for different price tiers in communities such as Addison, Algonquin, Antioch, Arlington Heights, Aurora, and others. The report finds some decreases in inventory levels across most price ranges from the previous month in many areas.
1) The document provides information about various financial markets including equity, commodity, forex markets and trading in these markets.
2) It explains that forex trading was launched in India in 2008 under SEBI and RBI regulations and takes place on the NSE and MCX exchanges. Daily forex turnover in India is over 50 billion.
3) The document advertises training courses by Disha Forex on basic and advanced forex trading, including costs, duration, topics covered and benefits of the courses to learn trading.
This document shows the yearly sales from 2005 to 2008 for various mobile device categories sold by Hit-the-Road Mobile Services. Standard mobile phones and camera phones sales increased each year, with standard phones reaching $188,785 in sales in 2008. Total sales for all categories grew each year from $366,857 in 2005 to $451,878 in 2008.
1) The document presents financial data for various years including amounts, percentages, and calculations.
2) It shows investment amounts for years 1-4, with gains of $225,000 in years 1 and 3, and gains of $900,000 in year 4.
3) Various percentages are also presented such as 25% and 10% relating to the gains and losses between the years.
Weartech is an educational gaming platform that allows children to play games to stimulate learning while unlocking customization options to design their own t-shirts. It aims to educate children online and develop their skills and creativity. The founders provide an overview of the company, business model, competitors, SWOT analysis, target market analysis, cost projections, and revenue projections, demonstrating neutral financial performance. They request €305,000 for a 40% equity stake to fund operations over the next 6 years.
This document provides an overview of financial technology (fintech) in India. It notes that India has a large population that is young, mobile, and growing rapidly. The fintech market in India is poised for significant growth, especially in digital payments via mobile devices. Mobile banking and digital payment solutions have potential to better serve small businesses and help move India towards a more cashless society. The document outlines several trends in Indian fintech including growing smartphone and internet usage, and opportunities in areas like lending, payments, remittance, and banking technology.
The document presents data on housing market inventory levels from August 2011 through October 2011 for several Chicago suburbs. It shows the number of active listings, average days on market (DOM), and months of supply by price range for communities such as Addison, Algonquin, Antioch, Arlington Heights, Aurora, Barrington Area, and Bartlett. The data indicates that in most communities and across most price ranges, inventory levels decreased slightly from August to September to October while average DOM increased, resulting in a small decrease in months of supply over the three months.
This document presents a monthly report from the A. L. Wagner Appraisal Group analyzing housing market inventory levels by price range for several Chicago suburbs in February 2010. It provides data on the number of active listings, average days on market, and months of supply for different price tiers in communities such as Addison, Algonquin, Antioch, Arlington Heights, Aurora, and others. The report finds some decreases in inventory levels across most price ranges from the previous month in many areas.
The document outlines a 3-step plan to succeed with a direct sales business: 1) Take daily action to talk to people and give product experiences; 2) Enroll 3 new distributors who will also take daily action and enroll their own 3 distributors; 3) Purchase and use the products monthly to experience the benefits firsthand and meet purchasing requirements.
This document promotes a multi-level marketing organization that sells websites and other online products and services. It claims the organization has thousands of customers worldwide and will allow members to earn commissions by building their own organization. Members can earn higher commissions as their organization grows in size and sales volume. The organization promises members can achieve a lucrative income by working from home with no advertising costs.
This document provides standardized price guidelines for various construction materials and labor in Indonesia. It lists base prices, transport costs, profits, taxes and rounded total prices for materials like stone, sand, wood, roofing and more. It also provides standardized daily wages for various construction roles like foremen, mechanics, laborers and more. The prices are intended to be used as references for construction project cost estimates and budgets.
This document contains a summary of student survey responses about favorite games to play on PS3 or Xbox 360. It shows that Modern Warfare 3 (MW3) was the most popular choice, selected by 7 students. Fifa 12 was the second most popular at 4 students. Blackops and Modern Warfare 2 were each selected by 3 students. The bar graph provides a visual representation of the percentages of students who chose each game.
The document outlines a multi-level marketing plan with different membership tiers called Regular, Advantage, and Ultimate kits costing Rs. 2,800, Rs. 5,000, and Rs. 9,000 respectively. It details the sponsor and pairing bonuses earned at each level. It also illustrates how performance bonuses are calculated based on personal sales and sales from direct recruits. Finally, it provides the qualifications and additional rewards and bonuses earned at different director levels like Bronze, Silver, Gold, Ruby, Emerald, and Diamond as more personal sales and recruits are accumulated.
The document contains several line and bar graphs comparing financial metrics such as total share capital, net worth, net block, book value, sales turnover, total assets, and earning per share for five companies - Sterlite Ind, Hind Zinc, Hind Copper, Tinplate, and Nissan Copper. The graphs show variations in the values of these metrics across the five companies.
The document discusses Joshua Baer's entrepreneurial journey and the Capital Factory startup accelerator program in Austin, Texas. It provides details about the Capital Factory program, which offers up to $20,000 in funding, $50,000 worth of free services and resources, mentoring from 20 mentors over a 10 week period, and culminates in a demo day event to showcase the startups. The document also discusses some lessons learned from startups, including the importance of talking to customers early to validate ideas, failing quickly to iterate, and focusing on distribution from the beginning.
This document presents housing market data for the Chicagoland area for January 2010. It provides statistics on housing inventory levels, including number of active listings, average days on market (DOM), and months of supply. The data is broken down by price range for various municipalities in the area, including Addison, Algonquin, Antioch, Arlington Heights, Aurora, Barrington Area, Bartlett, Batavia, Bensenville, and Berwyn. The report finds that in January 2010 inventory levels were generally stable or decreased slightly compared to previous months across most price ranges and locations in the Chicagoland region.
The document appears to be advertising a multi-level marketing business package for VMobile Technologies Inc. It promotes several ways for dealers to earn income, including from sales of products loaded to access cards, commissions from their own sales team's sales, and bonuses for recruiting new dealers. However, it does not provide enough information to clearly understand the full business model or evaluate the claims being made.
The document is a cash flow statement for a Kampung cuisine restaurant from August 2007 to July 2008. It shows monthly cash inflows from food sales ranging from RM40,000 to RM70,000, with total annual sales of RM650,000. Cash outflows included monthly expenses for supplies, wages, rent, utilities and loan repayments. The largest expenses were supplies, wages, rent and loan repayments. By the end of the period, tax payments of RM14,111 and zakat payments of RM3,618 were made.
Northern Virginia Fairfax County Housing MarketBetty Plashal
In December 2010:
- Total housing units sold in Fairfax County increased 9% compared to the previous month but decreased 2% compared to December 2009.
- Active housing inventory decreased 16% from December 2009 and 19% from the previous month.
- The median home sale price rose 8% compared to December 2009 to $390,000, and increased 4% from the previous month.
The document contains metrics for lead generation activities in 2009, including new leads by channel, opportunities in the sales pipeline, number of contacts in the database, cost per lead, and conversion rates. Key metrics show an increase in new leads from webcast registrations and free trials over the year, with opportunities in the sales pipeline peaking in October at $785,965. The number of contacts in the database grew but fell short of goals, while cost per lead and landing page conversion rates fluctuated over the four quarters. Email campaign click-through rates ranged from 2.0% to 7.3%.
The document provides information on the income, costs, and payouts of different jobs and properties in Mafia Wars. It includes a table listing various jobs/roles (e.g. Street Thug, Associate, Soldier), the experience points and energy costs for each job, and the range of possible income payouts. Another section shows properties that can be purchased, their costs and income amounts. The document aims to help players understand the most profitable activities.
This document provides a cost estimate for a network infrastructure project. It lists 16 items needed for the project along with their quantities, unit costs, and total costs. The total cost for the project is estimated to be $703,605 with an additional 5% for unexpected costs. A 3 month warranty is provided. The document then shows cost estimates for 5 alternative options, with the total costs ranging from $861,105 to $1,245,300 and warranties ranging from 3 to 7 months.
This document describes a multi-level marketing opportunity with VMobile Technologies Inc. It discusses how VMobile allows existing cellphone users to generate income by loading airtime and data onto their existing SIM cards to earn commissions. Dealers can recruit others and earn bonuses when people join their teams. The document promotes expanding one's business worldwide through VMobile and estimates large potential earnings through hypothetical growth scenarios.
The document summarizes the balance sheet and income statement of COFASA for the years 2016 and 2017. It shows increases in assets such as cash, investments, accounts receivable, and inventory. Liabilities and equity also increased, with higher accounts payable, taxes payable, capital stock, retained earnings, and net income. Revenue grew significantly from $9.24 million in 2016 to $12 million in 2017. Cost of goods sold and expenses also rose, leading to a larger net income of $1.6 million in 2017 compared to $964,000 in the previous year.
This document appears to contain charts and graphs with numerical data but no descriptive text. It includes various line graphs showing values over time, pie charts breaking down percentages, and what appear to be company logos or citations. However, without any accompanying explanation, the high-level meaning and important information cannot be determined from the visual data alone.
This document appears to contain charts and graphs with numerical data but no contextual information or descriptions. It includes line graphs showing values over time, pie charts breaking data into percentages, and bullet point lists. However, without any accompanying text, the high level meaning and significance of the data cannot be determined from the visuals alone.
The document provides an overview of cryptocurrency and blockchain technology. It defines cryptocurrency as digital money used for transactions that is decentralized and uses cryptography. Blockchains are public ledgers that record all transactions in a network. Bitcoin was the first cryptocurrency, created in 2009, with a finite supply that is obtained through mining. Ethereum allows for creation of custom tokens and decentralized applications. Initial coin offerings have raised over $18 billion, though many are scams. Resources are provided for learning more about cryptocurrencies and blockchain.
A high level overview of cryptocurrencies focused on Bitcoin (BTC), Ether (ETH) and ICOs presented to the "Pay-it-Forward" group in Bangalore in October 2017.
The document outlines a 3-step plan to succeed with a direct sales business: 1) Take daily action to talk to people and give product experiences; 2) Enroll 3 new distributors who will also take daily action and enroll their own 3 distributors; 3) Purchase and use the products monthly to experience the benefits firsthand and meet purchasing requirements.
This document promotes a multi-level marketing organization that sells websites and other online products and services. It claims the organization has thousands of customers worldwide and will allow members to earn commissions by building their own organization. Members can earn higher commissions as their organization grows in size and sales volume. The organization promises members can achieve a lucrative income by working from home with no advertising costs.
This document provides standardized price guidelines for various construction materials and labor in Indonesia. It lists base prices, transport costs, profits, taxes and rounded total prices for materials like stone, sand, wood, roofing and more. It also provides standardized daily wages for various construction roles like foremen, mechanics, laborers and more. The prices are intended to be used as references for construction project cost estimates and budgets.
This document contains a summary of student survey responses about favorite games to play on PS3 or Xbox 360. It shows that Modern Warfare 3 (MW3) was the most popular choice, selected by 7 students. Fifa 12 was the second most popular at 4 students. Blackops and Modern Warfare 2 were each selected by 3 students. The bar graph provides a visual representation of the percentages of students who chose each game.
The document outlines a multi-level marketing plan with different membership tiers called Regular, Advantage, and Ultimate kits costing Rs. 2,800, Rs. 5,000, and Rs. 9,000 respectively. It details the sponsor and pairing bonuses earned at each level. It also illustrates how performance bonuses are calculated based on personal sales and sales from direct recruits. Finally, it provides the qualifications and additional rewards and bonuses earned at different director levels like Bronze, Silver, Gold, Ruby, Emerald, and Diamond as more personal sales and recruits are accumulated.
The document contains several line and bar graphs comparing financial metrics such as total share capital, net worth, net block, book value, sales turnover, total assets, and earning per share for five companies - Sterlite Ind, Hind Zinc, Hind Copper, Tinplate, and Nissan Copper. The graphs show variations in the values of these metrics across the five companies.
The document discusses Joshua Baer's entrepreneurial journey and the Capital Factory startup accelerator program in Austin, Texas. It provides details about the Capital Factory program, which offers up to $20,000 in funding, $50,000 worth of free services and resources, mentoring from 20 mentors over a 10 week period, and culminates in a demo day event to showcase the startups. The document also discusses some lessons learned from startups, including the importance of talking to customers early to validate ideas, failing quickly to iterate, and focusing on distribution from the beginning.
This document presents housing market data for the Chicagoland area for January 2010. It provides statistics on housing inventory levels, including number of active listings, average days on market (DOM), and months of supply. The data is broken down by price range for various municipalities in the area, including Addison, Algonquin, Antioch, Arlington Heights, Aurora, Barrington Area, Bartlett, Batavia, Bensenville, and Berwyn. The report finds that in January 2010 inventory levels were generally stable or decreased slightly compared to previous months across most price ranges and locations in the Chicagoland region.
The document appears to be advertising a multi-level marketing business package for VMobile Technologies Inc. It promotes several ways for dealers to earn income, including from sales of products loaded to access cards, commissions from their own sales team's sales, and bonuses for recruiting new dealers. However, it does not provide enough information to clearly understand the full business model or evaluate the claims being made.
The document is a cash flow statement for a Kampung cuisine restaurant from August 2007 to July 2008. It shows monthly cash inflows from food sales ranging from RM40,000 to RM70,000, with total annual sales of RM650,000. Cash outflows included monthly expenses for supplies, wages, rent, utilities and loan repayments. The largest expenses were supplies, wages, rent and loan repayments. By the end of the period, tax payments of RM14,111 and zakat payments of RM3,618 were made.
Northern Virginia Fairfax County Housing MarketBetty Plashal
In December 2010:
- Total housing units sold in Fairfax County increased 9% compared to the previous month but decreased 2% compared to December 2009.
- Active housing inventory decreased 16% from December 2009 and 19% from the previous month.
- The median home sale price rose 8% compared to December 2009 to $390,000, and increased 4% from the previous month.
The document contains metrics for lead generation activities in 2009, including new leads by channel, opportunities in the sales pipeline, number of contacts in the database, cost per lead, and conversion rates. Key metrics show an increase in new leads from webcast registrations and free trials over the year, with opportunities in the sales pipeline peaking in October at $785,965. The number of contacts in the database grew but fell short of goals, while cost per lead and landing page conversion rates fluctuated over the four quarters. Email campaign click-through rates ranged from 2.0% to 7.3%.
The document provides information on the income, costs, and payouts of different jobs and properties in Mafia Wars. It includes a table listing various jobs/roles (e.g. Street Thug, Associate, Soldier), the experience points and energy costs for each job, and the range of possible income payouts. Another section shows properties that can be purchased, their costs and income amounts. The document aims to help players understand the most profitable activities.
This document provides a cost estimate for a network infrastructure project. It lists 16 items needed for the project along with their quantities, unit costs, and total costs. The total cost for the project is estimated to be $703,605 with an additional 5% for unexpected costs. A 3 month warranty is provided. The document then shows cost estimates for 5 alternative options, with the total costs ranging from $861,105 to $1,245,300 and warranties ranging from 3 to 7 months.
This document describes a multi-level marketing opportunity with VMobile Technologies Inc. It discusses how VMobile allows existing cellphone users to generate income by loading airtime and data onto their existing SIM cards to earn commissions. Dealers can recruit others and earn bonuses when people join their teams. The document promotes expanding one's business worldwide through VMobile and estimates large potential earnings through hypothetical growth scenarios.
The document summarizes the balance sheet and income statement of COFASA for the years 2016 and 2017. It shows increases in assets such as cash, investments, accounts receivable, and inventory. Liabilities and equity also increased, with higher accounts payable, taxes payable, capital stock, retained earnings, and net income. Revenue grew significantly from $9.24 million in 2016 to $12 million in 2017. Cost of goods sold and expenses also rose, leading to a larger net income of $1.6 million in 2017 compared to $964,000 in the previous year.
This document appears to contain charts and graphs with numerical data but no descriptive text. It includes various line graphs showing values over time, pie charts breaking down percentages, and what appear to be company logos or citations. However, without any accompanying explanation, the high-level meaning and important information cannot be determined from the visual data alone.
This document appears to contain charts and graphs with numerical data but no contextual information or descriptions. It includes line graphs showing values over time, pie charts breaking data into percentages, and bullet point lists. However, without any accompanying text, the high level meaning and significance of the data cannot be determined from the visuals alone.
The document provides an overview of cryptocurrency and blockchain technology. It defines cryptocurrency as digital money used for transactions that is decentralized and uses cryptography. Blockchains are public ledgers that record all transactions in a network. Bitcoin was the first cryptocurrency, created in 2009, with a finite supply that is obtained through mining. Ethereum allows for creation of custom tokens and decentralized applications. Initial coin offerings have raised over $18 billion, though many are scams. Resources are provided for learning more about cryptocurrencies and blockchain.
A high level overview of cryptocurrencies focused on Bitcoin (BTC), Ether (ETH) and ICOs presented to the "Pay-it-Forward" group in Bangalore in October 2017.
Early-Stage Investment Terms in India at LetsVenturePankaj Jain
This document summarizes early-stage investment terms discussed at a LetsVenture roundtable event. It defines key terms like pre-money valuation, post-money valuation, dilution, vesting and liquidation preferences. It notes that founders typically give up 25% equity to angels and 30%+ to a Series A, plus option pools. The document warns about dilution in India being higher than typical and discusses board seats, information rights, redemption rights and right of first refusal that investors may ask for. It provides resources for learning more about start-up investing terms and law.
A presentation given at the National Stock Exchange (NSE) of India to a group of young, first-time entrepreneurs on how to begin thinking about a global focus.
This document discusses startups in India and 500 Startups' investments in the region. It provides an overview of 500 Startups, their focus on small teams with functional prototypes and revenue, and interest areas like consumer e-commerce and financial services. Key statistics on India's economy and growing internet/mobile access are presented. The thriving Indian startup landscape of accelerators, angels, and funds is described along with billion dollar unicorns. 500 Startups' screening process and investments in India are covered, recommending connecting via AngelList or attending events to get involved.
The document summarizes the global financial crisis and its impact in India. It discusses how the crisis began with risky subprime mortgages in the US and spread globally. Key impacts mentioned include a steep drop in the Indian stock market, high inflation giving way to deflation, slowing GDP growth and job losses in India. The document warns that the crisis is still unfolding and will likely worsen further, and advises bracing for its full impact.
South Dakota State University degree offer diploma Transcriptynfqplhm
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In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
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
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
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[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.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
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.
Upanishads summary with explanations of each upnishad
Personal Finance for Barcampers
1. PERSONAL FINANCE FOR
BARCAMPERS
BarCamp Delhi
October 25th, 2009
Monday 26 October 2009 1
2. MAKE IT AND BURN IT
• what is your monthly income?
• what are your fixed costs (e.g.
rent, car payment, mortgage, etc.)?
• what are your variable costs (e.g.
eating out, telecommunications,
etc.)?
• how much are you burning?
• how much is left over every
month?
Monday 26 October 2009 2
3. START NOW!!
• make a simple spreadsheet of
monthly expenses and track it
• no income or expense is too large
or small to track
• start by understanding where your
money is and where it is going
• take steps to pull out a certain
percentage of income every month
for investing - 1%, 5%, 10%, 20% -
whatever you can start with
Monday 26 October 2009 3
4. DON’T SAVE - INVEST
• savings accounts paying interest
• fixed deposits (certificates of deposit)
• pension plans
• government bonds (short-term and long-term)
• life insurance
• health insurance
• annuities
• stocks/shares and mutual funds
• commodities - gold/silver/platinum
• derivatives - options/futures
• currencies (FX/FOREX)
• real estate
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5. THE STOCK MARKET
• it’s liquid, real-estate isn’t
• much more transparent than
other investments
• your options:
• self invest by picking stocks
• go on auto-pilot by picking
mutual funds
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11. IMAGES
All CC licensed images or purchased stock photos
• money by Wen-Yan King - http://www.flickr.com/photos/medapt/
407745883/
• piggy bank by alancleaver_2000 - http://www.flickr.com/photos/
alancleaver/2638883650/sizes/m/
• start by zhurnaly - http://www.flickr.com/photos/zhurnaly/
196310475/sizes/m/
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12. pankaj jain <pjain@teknatus.com>
www.teknatus.com
Twitter: pjain
Blogs: blog.linosx.com / teknatus.com/blog / semblr.com/blog
This work is licensed under the Creative Commons Attribution-Noncommercial-Share Alike 3.0 United States License. To view a copy of this license, visit http://creativecommons.org/licenses/by-nc-sa/
3.0/us/ or send a letter to Creative Commons, 171 Second Street, Suite 300, San Francisco, California, 94105, USA.
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