This document discusses the benefits of family financial planning and the services provided by ARB Financial Consultants. It addresses common financial questions around loans, investments, taxes, insurance, and more. Family financial planning involves gathering financial data, setting goals, creating investment portfolios, analyzing cash flow, and implementing a customized plan to achieve goals and protect cash flow. The benefits include direct control of finances, risk mitigation, clarity on funds usage, and optimal resource utilization. ARB Financial provides unbiased advice and long-term relationships to help clients make superior financial decisions and reach their goals.
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
Do you know all of the financial decisions you need to make before you retireEducatorsFG
Do you know all of the financial decisions you need to make before you retire?
Do you (or will you) have enough savings to live the retirement lifestyle you want?
Are you aware of the top five OTPP misconceptions?
In this 45-minute interactive webinar, we’ll provide you with the key information you need when it comes to your retirement income – plus we’ll answer your questions and dispel some of the popular myths along the way.
Featuring: Michael Spohn, Financial Planner – Educators Financial Group
With Special Guest: Michael McAllister, Director of Client Services – OTPP
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
Watch our webinar about financial planning for women in the education community.
Some of the topics covered include:
How different life changes affect a woman’s finances
How to take control of your money
Understanding your investment options
The financial effects of future care giving duties
How to protect you and your family
Ways to become more financially savvy
It’s a live, web-based show hosted by Bruce Sellery, a former BNN anchor, and Lisa Raponi, a Certified Financial Planner.
Necessity of Elder Care Financial PlanningGeneral Advice
Have a look at the information on the necessity of elder care financial planning provided by General Advice. For more details, visit: https://www.generaladvice.org/.
Retiring from education: What will my life be like when I retire?EducatorsFG
As an organization that’s been offering financial products and resources exclusively to the education community since 1975, Educators Financial Group has seen teachers and educational workers through their first day on the job, all the way to retirement and beyond. So we’ve seen firsthand that the ‘financial side’ is only one aspect of education members’ planning for retirement. There is also the personal.
• “What will my life be like when I retire?”
• “What are my goals after teaching?”
• “Will my needs change?”
• “How will I adjust?”
To answer these, and a series of other retirement questions that cover both the personal and financial perspectives, Educators Financial Group has partnered with Doctor Alan Roadburg, the founder of the Second Career Program, to bring you Retiring from Education: The Secret to Retirement Happiness. Drawing upon the advice and personal experiences of hundreds of retired educators across Ontario, Retiring from Education is more than a webinar — but the definitive education members’ guide on how to make the most out of their retirement.
Featuring: Karen Hubbard, Financial Planner – Educators Financial Group
Featuring: Doctor Alan Roadburg, Founder of the Second Career Program
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
are you prepared for any sudden changes to your financial situation?EducatorsFG
From unforeseen car or home repairs that could potentially cut into your cash flow, to unexpected income disruptions or changes that might result from contract talks — are you prepared for any sudden changes to your financial situation?
What about your long-term financial goals? The house you want to buy or fix up? The trips you want to take? The dreams you have for retirement?
In this 45-minute webinar and you will come away with the educator-specific solutions you need to be prepared during these uncertain economic times.
Featuring: Michael Spohn, Financial Planner – Educators Financial Group
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
Helping you to reduce stress and build a happier and more financially-secure ...EducatorsFG
The Canadian Finance Blog lists ‘financial worries’ as one of the top three leading causes of stress in Canadians. In our 45-minute Financial Wellness webinar, we’ll provide you with the information you need to help you feel more in control of your financial situation – helping you to reduce stress and build a happier and more financially-secure future.
Featuring: Karen Hubbard, Financial Planner – Educators Financial Group
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
• Independent advisors and distributor of financial products, real estate & loans
• Vast Industry experience with comprehensive knowledge of financial products, real estate & mortgage
• Working with Business Class, Professionals, Self Employed & employees of Corporates such as GE Capital, Evalueserve, Simon Carves, Metso Minerals, Canon, McKenzie, Genpact, Cairn India, Philips, Punj Lloyd, Cargill, Hughes, etc.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
In this article we will be discussing the significance of financial planning, how every individual must – must make effective use of money, and why/how the professional may consider this as another unique area of service to use their expertise for
Do you know all of the financial decisions you need to make before you retireEducatorsFG
Do you know all of the financial decisions you need to make before you retire?
Do you (or will you) have enough savings to live the retirement lifestyle you want?
Are you aware of the top five OTPP misconceptions?
In this 45-minute interactive webinar, we’ll provide you with the key information you need when it comes to your retirement income – plus we’ll answer your questions and dispel some of the popular myths along the way.
Featuring: Michael Spohn, Financial Planner – Educators Financial Group
With Special Guest: Michael McAllister, Director of Client Services – OTPP
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
Watch our webinar about financial planning for women in the education community.
Some of the topics covered include:
How different life changes affect a woman’s finances
How to take control of your money
Understanding your investment options
The financial effects of future care giving duties
How to protect you and your family
Ways to become more financially savvy
It’s a live, web-based show hosted by Bruce Sellery, a former BNN anchor, and Lisa Raponi, a Certified Financial Planner.
Necessity of Elder Care Financial PlanningGeneral Advice
Have a look at the information on the necessity of elder care financial planning provided by General Advice. For more details, visit: https://www.generaladvice.org/.
Retiring from education: What will my life be like when I retire?EducatorsFG
As an organization that’s been offering financial products and resources exclusively to the education community since 1975, Educators Financial Group has seen teachers and educational workers through their first day on the job, all the way to retirement and beyond. So we’ve seen firsthand that the ‘financial side’ is only one aspect of education members’ planning for retirement. There is also the personal.
• “What will my life be like when I retire?”
• “What are my goals after teaching?”
• “Will my needs change?”
• “How will I adjust?”
To answer these, and a series of other retirement questions that cover both the personal and financial perspectives, Educators Financial Group has partnered with Doctor Alan Roadburg, the founder of the Second Career Program, to bring you Retiring from Education: The Secret to Retirement Happiness. Drawing upon the advice and personal experiences of hundreds of retired educators across Ontario, Retiring from Education is more than a webinar — but the definitive education members’ guide on how to make the most out of their retirement.
Featuring: Karen Hubbard, Financial Planner – Educators Financial Group
Featuring: Doctor Alan Roadburg, Founder of the Second Career Program
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
are you prepared for any sudden changes to your financial situation?EducatorsFG
From unforeseen car or home repairs that could potentially cut into your cash flow, to unexpected income disruptions or changes that might result from contract talks — are you prepared for any sudden changes to your financial situation?
What about your long-term financial goals? The house you want to buy or fix up? The trips you want to take? The dreams you have for retirement?
In this 45-minute webinar and you will come away with the educator-specific solutions you need to be prepared during these uncertain economic times.
Featuring: Michael Spohn, Financial Planner – Educators Financial Group
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
Helping you to reduce stress and build a happier and more financially-secure ...EducatorsFG
The Canadian Finance Blog lists ‘financial worries’ as one of the top three leading causes of stress in Canadians. In our 45-minute Financial Wellness webinar, we’ll provide you with the information you need to help you feel more in control of your financial situation – helping you to reduce stress and build a happier and more financially-secure future.
Featuring: Karen Hubbard, Financial Planner – Educators Financial Group
Moderated by: Bruce Sellery, financial journalist and former BNN anchor
• Independent advisors and distributor of financial products, real estate & loans
• Vast Industry experience with comprehensive knowledge of financial products, real estate & mortgage
• Working with Business Class, Professionals, Self Employed & employees of Corporates such as GE Capital, Evalueserve, Simon Carves, Metso Minerals, Canon, McKenzie, Genpact, Cairn India, Philips, Punj Lloyd, Cargill, Hughes, etc.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
In this article we will be discussing the significance of financial planning, how every individual must – must make effective use of money, and why/how the professional may consider this as another unique area of service to use their expertise for
IMW is designed for those who want to become RICH & HAPPY in life in Ethical way.
We believe every one in this world had a great potential to create Wealth, IMW is a mission to help people to realize their real potential to create great Wealth in Life.
We are building a community of RICH people who will all value in this world.
Marriage is a important milestone in life. Proper transference and understand about finance can build a Married life.
Bachelors should go through it.
Money is important in life and thus Money management.
This is about making you RICH and HAPPY.
Every individual has a potential to grow RICH how ever in the process of growing it gets lost and then getting success and creating wealth becomes difficult.
Wealth creation workshop will help you to understand what you are and starting your confident journey on the path of successful RICH and HAPPY life.
Wish you all a RICH and HAPPY life.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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
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
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@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
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
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
1. Do you face these questions often ?
Should I take a home loan today ?
Should I prepay my loans ?
Should I take a personal loan ?
At the time of taking loan the lender was friendly but today it is
my No. 1 enemy ?
Should I use credit card ?
Where should I invest to save tax ?
What is my tax liability do really I have to invest to save tax or it
is already done ?
Do my investments are made in proper manner ?
Do investments will help me in completing my child’s education ?
What should be my investment portfolio distribution ?
Do I am properly covered . ( medical insurance , life insurance ,
Disability insurance , property insurance etc…)
Etc…Etc….Etc…..
2. Family financial planning
services is a solution for you
Our family financial planning service can
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It is a process of channelizing your
existing investment and future income to
complete your financial goal and if your
cash flow permits , you should step up to
the next socioeconomic level .
4. Process of Family Financial
planning ?
Review Data
gathering
Implementation Goal setting
Investment portfolio Cash flow
creation analysis
Preparation of
financial plan Cash flow
protection
5. Benefits of Family Financial
planning ?
Immediate :
1. You will get direct control on your cash flows . ( Many of
us really don't know what is happening with our money.)
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to expect from investments.
Long term :
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6. Disadvantages of not doing Family
Financial planning ?
1. You will always keep on wondering where your hard
earned money goes ?
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when the time comes probably no one is there to help you.
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4 . Underutilization of resources or taking excessive risk in
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Contact us :
Ashish Ramesh Bhave ,
Chief financial planner.
ARB Financial consultants .
1535, sadashiv peth, Tilak road.
Flat no. 33, Shivmangal society,
Pune.
Website : www.arbfinancials.com
Email : ashish.bhave@arbfinancials.com
Cell : +91- 8793107044
ARB financial consultants, Pune