The document outlines three steps to financial success: 1) Save money by setting goals and creating a budget to control spending; 2) Invest saved money to generate positive cash flow; 3) Protect assets and income by managing taxes and paying down debt. It provides information on concepts like assets, liabilities, income and expenses to understand personal finances and develop a net worth chart and cash flow plan.

1. Three Power Steps to Financial Success COGNIZANT TECHNOLOGY SOLUTIONS | 28-SEPTEMBER 2007 SAVE INVEST PROTECT

2. Success is Achieving Set Goals Set Goals Save Invest Protect Achieve Goals

3. We are Here Fundamentals of Financial Planning – 1 Fundamentals of Financial Planning – 2 Income Tax Management The Way Forward

4. Fundamentals of Financial Planning – 1 Dreams Dreams give energy Dreams are worth aspiring for Dreams give a reason for Living Dreams stimulate the Child in us. Please fill the Worksheet for Dreams Please fill the worksheet : Dreams

5. Goals Goals are worth achieving Goals are worth the effort you put in Goals stimulate the Whole Body and Spirit Please fill the Worksheet for Goals Please fill the worksheet : Goals

6. Goal Setting Goals remain Dreams without Goal Setting Goals remain Dreams without Goal Setting

7. Understanding Where We Are Now assets liabilities incomes expenses

8. Understanding Where We Are Now.. Please take the Test on Assets What they actually mean Asset – One that generates a POSITIVE Cash Flow Liability – One that generate a NEGATIVE Cash Flow Income – The Positive Cash Flows Expenses – The Negative Cash Flows * From the concepts of Robert Kiyosaki

9. The Cash Flow Concept Liability Asset Expense Income

10. The Net Worth Chart The Net Worth is the Difference between the Total Assets and Total Liabilities Based on the concept of assets and liabilities, please fill in your Net Worth Chart

11. The Cash Flow Chart The Cash Flow Chart is given to you, please enter details as applicable to the present situation. What you have done now is prepare a Budget Have you also found how and where your savings are going?

12. Cash is King Thinking about Personal Finance from the Businessman / Investor Point-of-View Why do you think Warren Buffet bought a used Rolls Royce 6 months ago? Why do you think Tata Steel bought Corus rather than build a company on its own? Why do you think Jet Airways leased its aircrafts when it began its business?

13. Successful Budgets Are... Well planned Realistic Flexible Clearly communicated

14. CONTROLLING YOUR SPENDING Budget and stick to it Learn to say “NO” Learn to go “Dutch” with friends Don’t have too many credit cards Use a line of credit not a loan Stop impulse buying – Carry a shopping list “ Do you really need it?” Don’t go shopping Control dining out Don’t carry cash Pay down debt ASAP so you can do other things

15. Take Away Concept of Assets & Liabilities based on Cash Flow Personal Net Worth Present Budget