Monthly Archives: April 2014

Finance

Finance Companies in India

 

There are so many Finance Companies in India giving loans for various needs. Some of the best Finance Companies India and the Top Finance Companies also dole out loans that have an urgent requirement. Also, there are many Finance Companies for Bad Credit in case your credit is not that good as per the industry standards.

There is a very long list of Loan Finance Companies and Financing Company based in India but this is a shorter List of Finance Companies such as Abhinav Capital Services Ltd, Aditya Birla Money Limited, Aeonian Investments Company Ltd., Allahabad Bank Ltd., Apollo Finvest (India) Ltd, Apollo Sindhoori Capital Investment Ltd., Autoriders Finance Ltd., Axis Bank Ltd., Bajaj Auto Finance Ltd, Bajaj Global Ltd, Bajaj Holdings & Investment Ltd, Bank of Baroda, Bank Of India Ltd, Bank of Madurai Ltd., Bank of Maharashtra, Bank of Punjab Ltd, Bank of Rajasthan Ltd., Bharat Overseas Bank Ltd., Bhoomi Infrastructures Corporation Ltd, Catholic Syrian Bank Ltd., Central Bank of India, Centurion Bank of Punjab Ltd., Chokhani Securities Ltd, Cholamandalam DBS Finance Ltd, City Union Bank Ltd., Finvest Ltd, Corporation Bank, Cosmos Co-Op. Bank Ltd., Dalal Street Investments Ltd, DCM Financial Services Ltd., Dena Bank Ltd., Development Credit Bank Ltd., Dewan Housing Finance Corporation Ltd., Dhanalakshmi Bank Ltd., DSP Merrill Lynch Ltd., Easy Fincorp Ltd, Edelweiss Capital, Export Import Bank of India, GE Money India, Geojit BNP Paribas Financial Services Ltd, GIC Housing Finance Ltd., Gujarat Lease Financing Ltd, Gujarat State Financial Corpn. Ltd, HDFC Bank Ltd., Housing Development Finance Corporation Ltd, HSBC InvestDirect (India) Ltd, ICICI Lombard General Insurance Company Limited, ICICI Securities Primary Dealership Ltd., IDBI Bank Ltd, IFCI Ltd, Indiabulls Financial Services Ltd. Indiabulls Securities Ltd, IndusInd Bank Ltd., Industrial & Prudential Investment Company Ltd., Industrial Investment Trust Ltd., ING Vysya Bank Ltd, Karnataka Bank Ltd., Karur Vysya Bank Ltd., Karvy Computershare Private Ltd., Kotak Mahindra Bank Ltd.

Also there are some other Top Finance Companies and other best, Finance Companies for Bad Credit and they are: LIC Housing Finance Ltd., Life Insurance Corporation of India, Mahindra & Mahindra Financial Services Ltd, Manappuram General Finance & Leasing Ltd., Manipal Finance Corpn. Ltd, Maruti Securities Ltd., Motor & General Finance Ltd., Nedungadi Bank Ltd., Network 18 Media & Investment Ltd., Punjab & Sind Bank, Punjab National Bank, RBS Group, Reliance Capital Ltd., Religare Enterprises Ltd, Religare Technova Ltd., Small Industries Development Bank of India, State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of India, State Bank of Indore Ltd., State Bank of Mysore, State Bank of Patiala, State Bank of Travancore, UCO Bank, Union Bank of India, United Bank of India, YES Bank.

 

 

Getting more information about Finance Companies in India or Loans in India Just visit Companies India Directory.

Finance

Alternative Investments in Finance

Alternative investment involves investment in assets other than the traditional products of stocks, bonds or cash. These assets include the likes of art, antiques, wine, coins or rare stamps – in other words, rare items. Financial assets like commodities, private equity, hedge funds and financial derivatives are also accommodated in alternative investment. Due to the complexities in their nature and the regulations and the illiquidity involved, alternative investment assets are usually held by institutional investors or accredited individuals.

A thorough investment analysis is required before buying and investing in alternative financial resources. They also involve a high minimum investment and fee structures compared to mutual funds. Traditional investment involves risk. We have seen how in recent times the world of finance was hit as bankruptcy triggered panic across the globe. But even in troubled waters, you don’t need to be bearish if you are the proud owner of a few bottles of Bordeaux or a Penny Black or may be a series of Andy Warhol prints as you are supposed to get their money back virtually.

Why do people go for alternative financial investment?

A probable reason why people invest in alternative resources is to diversify and reduce the overall investment risk. Portfolio diversification is suggested to potential investors to minimize the risk. And this can be achieved through alternative investment.

Advantages to investing alternatively:

1. Alternative investment involves low correlation with traditional financial investments like stocks and bonds. As a result several large institutional funds like the pension and private endowments have already begun allocating a small proportion, less than 10%, of their portfolios to alternative investments like hedge funds.

2.

It is comparatively less liquid in nature.

Disadvantages to investing alternatively:

1. Lack of published verifiable performance data and minimum opportunity to advertise to potential investors.

2. Determining the current market value of assets is often difficult.

3. Cost of purchase and sales is relatively high.

The most common types of alternative investment include:

• Hedge funds as alternative financial investments include a wide range of investment assets like stocks and commodities, which principally aim at offsetting the potential losses in the markets.

• Future funds as alternative investments are standardized contracts of sale and purchase of commodity at a predetermined price on a specific date. Futures are used to trade currencies and commodities like petroleum and agricultural products.

• Real estate can also serve as an alternative investment option, which typically involves buying and selling of immovable properties like land and premises. It yields rental income as well as capital appreciation.

• Though not always viewed as such, art is certainly an alternative investment. This investment option gained some new traction after the 2008 market downturn and recession period.

• Investment in vintage items, such as fine wine, has proved profitable with consistent high-yield returns, even in the months of 2008 credit crunch.

• The precious metal gold is used as a defensive alternative financial investment, which tends to grow in popularity during periods of prolonged economic upheavals.

In this readily evolving economic climate, as investors are striving to locate the best investment niche, these alternative financial investment options are gaining greater and greater appreciation due to their low-risk and high-yield nature.

Find more about hedge fund investment and certification in finance at CAIA.Org.

Finance

An Overview of Personal Finance

Finance does matter a lot in every segment of the economy. Whether it is an individual or group or financial institution or bank finance plays a pivotal role in it by any means. In fact, personal finance is the application of monetary decisions of an individual, group or family unit. Personal finance denotes that how an individual obtains, consumes, and saves his or her monetary resources over time. Components of Personal FinanceThere are several components of personal finance involving:• Checking and savings of accounts• Credit cards• Consumer loans• Investment in stock market• Retirement plans• Insurance strategies• Income tax management and • Social security benefitsProcess of Personal Financial PlanningGenerally personal financial planning goes through five unique kinds of processes which are typically known as: • Assessment• Setting goals• Creating a plan• Execution & • Monitoring and reassessment

Worth Mentioning Areas of Personal FinanceWhen it comes to the areas of expertise, there are six mandatory types of areas of personal finance management involving:• Financial position• Adequate planning• Tax planning• Investment and accumulation goals• Retirement planning &• Estate planningInterestingly all of these six areas of personal finance have been recommended by Financial Planning Standards Board.Benefits of Personal Finance BudgetingAs far as the rewards of personal finance budgeting are concerned, they are more than enough beyond your imaginations. Therefore the most prolific benefits of personal finance management typically involve:• Cost cutting• Personal savings• Maintenance of monthly budgets• Avoidance of extravagant expenditures• Improved budget lines• Decreased financial agony and stress• Improved balance sheet &• Strong financial stabilityContemporary Personal Finance ScenarioWell the contemporary financial management structure is not very much promising as recession has been prevailed all over the world.

It has been estimated that thousands of individuals in the United States of America have lost their jobs most recently. The truth of the matter is that contemporary recession has badly ruined the financial structure of the global economy. More importantly, financial chaos hit the United States of America viciously. As a result, the whole world is coping with recession. 

Time of Need & Self RelianceDuring the vicious financial chaos, we need a miracle so as to get ourselves rid of the economic muddle.  Moreover people need to become self reliant themselves. The more we cut down our expenditures and save for difficult times the more we become stable financially. SummaryIn short, personal finance is not a latest theory but it is quite a unique concept. In this article, we put our best effort to highlight the basic concepts of personal finance, its benefits, contemporary personal finance scenario, and theory of self reliance. We hope this article will help you to apply the theory of personal finance yourself strongly.

Here you will find Free online personal finance management and product reviews.

Finance

An Overview Of Personal Finance

Finance does matter a lot in every segment of the economy. Whether it is an individual or group or financial institution or bank finance plays a pivotal role in it by any means. In fact, personal finance is the application of monetary decisions of an individual, group or family unit. Personal finance denotes that how an individual obtains, consumes, and saves his or her monetary resources over time.
Components of Personal Finance
There are several components of personal finance involving:
Checking and savings of accounts
Credit cards
Consumer loans
Investment in stock market
Retirement plans
Insurance strategies
Income tax management and
Social security benefits
Process of Personal Financial Planning
Generally personal financial planning goes through five unique kinds of processes which are typically known as:
Assessment
Setting goals
Creating a plan
Execution &
Monitoring and reassessment

Worth Mentioning Areas of Personal Finance
When it comes to the areas of expertise, there are six mandatory types of areas of personal finance management involving:
Financial position
Adequate planning
Tax planning
Investment and accumulation goals
Retirement planning &
Estate planning
Interestingly all of these six areas of personal finance have been recommended by Financial Planning Standards Board.
Benefits of Personal Finance Budgeting
As far as the rewards of personal finance budgeting are concerned, they are more than enough beyond your imaginations. Therefore the most prolific benefits of personal finance management typically involve:
Cost cutting
Personal savings
Maintenance of monthly budgets
Avoidance of extravagant expenditures
Improved budget lines
Decreased financial agony and stress
Improved balance sheet &
Strong financial stability
Contemporary Personal Finance Scenario
Well the contemporary financial management structure is not very much promising as recession has been prevailed all over the world. It has been estimated that thousands of individuals in the United States of America have lost their jobs most recently. The truth of the matter is that contemporary recession has badly ruined the financial structure of the global economy. More importantly, financial chaos hit the United States of America viciously. As a result, the whole world is coping with recession.

Time of Need & Self Reliance
During the vicious financial chaos, we need a miracle so as to get ourselves rid of the economic muddle. Moreover people need to become self reliant themselves. The more we cut down our expenditures and save for difficult times the more we become stable financially.
Summary
In short, personal finance is not a latest theory but it is quite a unique concept. In this article, we put our best effort to highlight the basic concepts of personal finance, its benefits, contemporary personal finance scenario, and theory of self reliance. We hope this article will help you to apply the theory of personal finance yourself strongly.

Here you will find Free online personal finance management and product reviews.

Money

Doling Out Money

The government bailouts in 2008 were supposed to make a remarkable difference in our economy, even before Obama’s new multi-billion dollar plan that has not yet been released. The bailout is supposed to bring some stability back into the markets for people looking for financial survival and is aimed at the stemming credit crisis. Unfortunately it seems that nobody can agree on the attributes of the actual plan.

The initial agreement of the plan was reached on September 25th only to fall apart after it had reached the White House. The $ 700 billion program would have effectively nationalized a regalia of mortgages and securities backed by them; instruments whose devolving value has blocked the nation’s fiscal system. Chairman Barney Frank has been said to be working closely with the Obama Administration on plans to shift the focus. The TARP program (Troubled Assets Relief Program) itself was trying to take certain situations into consideration according to Treasury Secretary nominee Timothy Geithner. These situations and bailouts would have allegedly helped people such as home owners, small businesses, financial firms, and banks which will then create a recyclable system of sorts to help other people such as large businesses and consumers.

The fund was supposed to be given to banks in order to help home owners survive foreclosures. Unfortunately, the banks were taking the money and giving it to other banks. Five years ago when the economy was booming, no one expected that the economy would be the way it is today. And with no oversight by Bush and the Bush Administration it leads us to where we are right now.

More plans are in effect for further bailouts to help with big business failures and financial survival but right now nothing has been set in stone.

This is one reason a lot of Obama followers are excited about his election victory because many people think that Obama will be able to clean up the mess the Bush has caused over the years. The truly scary part of all of this is that it didn’t happen overnight. These problems are deeply rooted in both our culture and our economy. We need to be prepared to stay the course in correcting them.

Lets just hope Obama really can “fix” the problems that have risen over the years and that the economy isn’t already too far gone.

Catherine Ledger is a business coach and mentor based out Fairbanks, Alaska, that assists serious entrepreneurs in building a profitable online business with multiple incomes streams. Catherine and her team have assisted hundreds of people in generating profits that exceed 0K or more in their first year. For more information or to contact Catherine, visit, http://www.mlmreportexposed.com

Money

Blog to Make Money

I’m going to teach you ways to make money from your blog. Hopefully you can earn some big amounts of money, and do it so that maybe you could even do it as a full time job. Or you can just do it as a side thing and earn extra money on the side. It’s up to you, and how much you put in.

Beginning with the basics. A blog consists of regular published information about a certain topic, news event or even a peron’s life, that are all written up on the site. Blogs are free websites, that anyone can create for themselves. You can upload entries at any time you would like to, that is once it’s up and running.

Running a blog, is one of the easiest websites to run for any individual. Furthermore they are very common all over the Internet, and incredibly easy to use. Many blog directories will promote your blog if it consists of awesome information. The Internet is full of valuable information nowadays about so many topics, so writing about anything will do.

Two terms that you might see, are “blogger”, which is what you are if you start running your own blog, and “blogging” which is the activity of running the blog. People on the Internet are free to see your blog, and the entries you put up.

When information is put up on your blog, people will start visiting, and this is how your “money-making” journey begins. Use your visitors as a means to begin making an income from your blog. Ways in which you can blog to make money are:

1. Advertisements – Advertisements can be put onto your site from many places. The top places to get ads from are Google Ads and Yahoo Ads. My personal preference is Google AdSense. On your blog, you can put free advertisements from Google AdSense once you’ve signed up.

You get profit for every ad which is clicked. Commonly, you’d receive over 50 cents per each click, sometimes more, which is awesome. For more information about advertising on your blog, see the link below.

2. Affiliating – You can promote products from sites like Clickbank. You’d be able to earn the best amounts of money from your blog through affiliate marketing. The best thing about this, is that you don’t need to worry about product checkouts, refunds and all those problems, because you are promoting someone elses product. For more information about Affiliate Marketing, see the link below.

3. Referrals to reward sites – Whenever a person joins a reward site, such as a survey site, through your link, you get rewards in turn. Easy money can be earned from this because every time a referral reads reward emails, completes a survey or clicks an advertisement, you also get paid. payments are sent to you. This results in a very neat money-making system set up, as it’s a referral matrix of rewards being sent up the chain. There are lots of reward sites that you can join up to, all free of course, otherwise it’s most likely not worth it. To find out more about this, see the link below.

Something you should note is Google AdWords. It’s a way that you can generate more traffic to your blog. It allows for advertising that is targeted to websites with a relating topic to your blog. So it’s definitely worth checking out. More information about it is available from the link below.

When wishing to make money from blogs, these are the best ways. The best thing for a blogger is to get more and more visitors, and this can be done by putting up great content on your blog. When free valuable information is provided, the |traffic comes automatically and you will generate reputation. You can make money like this because of the connection created between you and your readers, they will keep coming back to your blog. Blogging for money is an easy and affordable online business, and you should definitely try it.

For free information, tutorials, guides and courses about making money from your blog, just go to Blog to Make Money. You can also find many other articles there, helping you to make money online.

Money

Show Me the Money

This topic is one that carries so much energy with it and yet it’s extremely important. I once heard that money is not the cure for everything; however it ranks right up there with air!

Being an entrepreneur, you can find ways to produce money almost everywhere. The trick is you must enjoy what you’re doing and believe in it 100%. Many people, including myself, have been caught up in the “Bright and Shiny Object Syndrome” and entertain too many opportunities.
 
Don’t get me wrong, to be successful you should always have multiple streams of income but they should at least all compliment and feed one another. Before you take on anything new think about how it will be viewed by your target audience.
 
When I started my web development company in 2003, I thought about all the things that business owners need to have a successful website. They need a great site with valuable content and images but more importantly, they need to promote it. So I created different methods and tools to help them get the word out including email marketing, search engine optimization, social media, etc. The only problem was I couldn’t make each of these services produce a high volume of sales. Each one took a lot of time with very little income which ultimately cost me too much.
 
Since I’m such a big believer in networking your business, I would be approached by every business opportunity possible. I think I actually had a bullseye tattooed somewhere on me that made me a target! At one point in time, I had 4 businesses that all produced a little income but none of them could sustain full-time income.
 
I made the decision to focus most of my energy into building someone else’s company. Keep in mind, I was still a business owner and managed my own time. The challenge was that no matter how many hours a week I’d dedicate to this organization, it still wouldn’t produce enough income to support myself and my family.

 
Looking back at it today, I realized that by splitting my focus, I actually diluted the effectiveness and yet when I applied all my energy into the one I thought would work, it failed.
 
So how do you produce the money you need? By putting yourself in full alignment with the products and services you represent or create. Sometimes we need to let go of what doesn’t serve us to allow new opportunities to blossom. Focus only on one until it runs smoothly, grows with little effort and produces the revenue you desire.
 
Never look back at what you coulda, shoulda, woulda done. Simply accept what is, be in the moment and always have vision to the future.

Darlene Willman, aka The Sassy Networker, is a keynote speaker, author and coach, specializing in small business networking and referrals. She provides resources, connections and support to entrepreneurs, small business owners and other professionals that have a strong desire to promote their companies through relationship marketing. She will show you how to build an incredible network of people who refer business to each other plus so much more. You can start receiving her eZine, The Networking Focus (a value) by visiting http://www.SassyNetworker.com

Money

Business and Money

Another way of looking at this article is as tips to creating your own business. Business needs, among other ingredients, money to create it and to maintain it. If the business is a success, it will, over a given period of time, bring in more money than it takes to create and maintain it.

Creating a business calls for time and commitment. It calls for passion. Anybody old or shrewd enough to know the value of money would wish for money. We all know that wishing for money would not bring the money. There is need to organize something in exchange for goods or services.

This organization of product or services, in sufficient quality and quantity, and offering it for monetary reward is business. Properly done, it can lead to business success. In going into any business, it is necessary to ask and get answers to some questions.

The first of these questions relates to knowledge of self. What are your passions? If you were not held back by other commitments, such as your day job, what would you be doing? Sports? Writing? Fitness regime? Offering services? The list is almost endless. It helps to be in an area of business where you are passionate or at least interested. When the going gets rough, as it surely will, your passion or lack of it could mean the difference between soldering on or giving up.

Next is the Knowledge. You may not have all the knowledge you need when you start out in business, but, do you know where to get it? Can such knowledge be paid for? (outsourcing). Is the product or service already out there? Can you market it better, at a lower cost? What is it about your product or service that makes it different from other products or services already out there? In practical products, such as web design, it helps to realize that your finished product may lack the finesse of experts who have been there and may be, who have done the same things over a period of time.

Last is the big M. Yes money. How much would it cost to start this project? If the business is not bringing the results you expected, how long can you keep it going? Suppose the business is not performing well, would you know why? If the business is bringing in returns as planned, what next? This area is about budget and cash flow. Would it help to obtain independent advice?

Any genuine business carries a degree of risk. A lot of the time, all the factors that influences a business cannot be known. There is that little extra that goes into business success. It is your hunger for success. Your passion. Your commitment.

Matthew Shofoluwe is a publisher and entrepreneur.
His hobbies include writing, reading, sightseeing, traveling and a fascination with the internet. For achievement motivation, do visit his website at http://www.Success-Junction.com
A free download awaits you at his website.

Money

Save Money on Food

I speak to reptile keepers frequently and find a trend developing. Most people that keep lizards as pets keep multiple animals. With more than one animal being maintained, food costs add up quickly.

If you are like me, you look for any way you can to save money on the food you are feeding without sacrificing quality.

There are several methods to do this….

Buy in quantity.

When I owned just a couple of bearded dragons, I would hit the pet store about every other day to buy crickets. Let’s see, 20 crickets for $ 2.00 didn’t seem all that bad. I promised to cut down on my diet coke consumption and all was well. Within 6 months though, I was up to 2 dragons, 5 chameleons, and about 6 leopards. 20 crickets turned into 75 crickets every other day. Though I could purchase 75 crickets for about 6 bucks…. That’s around $ 20 per week and over $ 1,000 per year!

I quickly found an on-line insect business where I could buy 1000 crickets for about $ 17 shipped to my door. Even with loosing some insects, that’s still a dozen feedings, and more importantly, a huge savings! Score! Buying on-line was the answer. As my collection grew to over 200 animals (not including babies at any one time), you can see how this method of purchasing feeder insects has save me loads of money.

All it takes is a couple of 40-50 qt containers, some screen, scissors, a little hot glue and somewhere to store the containers. Feeding them table scraps (gut load is better- see below), ensuring they have water, and cleaning their tub once a week will allow crickets to last two weeks easily. If you are dealing with mealworms, it’s even easier. As they cannot jump, a shallow tub, some paper towel, and food every other day is all it takes to keep them for weeks and weeks.

If you have several animals, buying on-line is certainly the way to go. If you only have one or two geckos, you may be able to buy in larger quantities for less from your local pet store and keep them for future use as mentioned above.

Less waste

So I started saving money by buying on-line. However, I still made mistakes. These mistakes resulted in wasted food… and lost money.

One of my initial thoughts was that if I could buy so many for XXX dollars, I could buy twice as much and save even more dollars. Well, this works if you can feed all those crickets. There is nothing worse than having twice as many crickets being stored than you can feed. Eventually, you will start to experience die off. As you feed, you will find out what you’re capable of storing and feeding in a certain time period and will only order as much as you can use.

This applies more with crickets than it does mealworms. Mealworms will keep quite a while without significant die off if kept correctly. However, they will start transforming into beetles that usually cannot be used for feeding. You can cool mealworms down to 45 degrees to slow this process down and keep the insects for months… if your spouse can tolerate worms in the fridge.

When ordering insects, make sure you order the correct size. If you are buying only adult crickets yet have sub adult crested or leopard geckos, the crickets will go uneaten. Not only is this a waste of food but also, if the crickets do not have other food to eat in the enclosure, they will bother the animal.

I’ve always had issues with shipments in the winter. I would say about every forth shipment (even shipped overnight) will come in with some fatalities, even up to 50% dead. This holds true in the summer as well when temperatures are excessive. Work out the math. It might be cheaper to forgo the shipments in winter (or summer) and pay more at the pet store if the temperatures are extreme.

Buy at Shows

If I am between purchases of feeder insects and am planning to attend a lizard show, I will wait and order from a vendor at the show. The crickets or mealworms may be a tiny bit more expensive but you can eliminate shipping charges. Again, do the math and see if this works out for you.

Do It Yourself

One of the best ways to save money on your feeder insects is to breed them yourself. Crickets and mealworms are reasonably easy to breed and raise up to feeding size. Crickets are a bit more difficult than mealworms. There are plenty of great sites on the web to find insect breeding information, including our information library.

Another option, again if you can slide it past your spouse, is raising cockroaches. They breed like, well cockroaches. Once they settle in, you can produce hundreds or thousands if you have the room each month. Chameleons and bearded dragons love them!

It is very important to feed your insects with a good, nutritious food. This is called ‘gutloading’. The food you provide your feeders will ultimately be passed on to your animals. There are several very good gutload pre-mixed foods available on-line. I’ve been feeding chick feed purchased from a feed store. It is called Layena Poltry Feed and 50 pounds can be purchased for about 7. It is loaded with nutrients, including calcium. In addition, I will include a meal of carrots or oranges.

Crested & Day Geckos

If you are feeding crested or day geckos, you have the unique opportunity to offer a food that is both a complete diet and is the least expensive food you can feed- it is both the best food and feeding it will save you quite a bit of money. A powdered diet called MRP (meal replacement powder) (or crested gecko diet) provides all the nutrients these animals find and need in nature, plus it is so easy to use! See below for more information on MRP.

No one likes to spend more money than they need to on the supplies for their animals. I hope the above suggestions help you to save some money on feeder insects. The way I think about this is that I now have more money to spend on more animals.

Wally Kern operates Supreme Gecko. Our focus is on both producing quality leopard geckos and crested geckos at a great price but more importantly offering reputable customer service.

Finance

The Art Of Finance Management

Financial planning is a broader term, which is not just about managing daily finances but focuses on long-term saving strategies. When we talk about short and long term goals: buying a home, going on a vacation, saving for education are a few things that strike us immediately. And for all these dreams to come true, one needs a strong money management strategy.
If you are looking at long and short term goals, it doesn’t mean you have accomplished the task of financial planning. After clearly listing out what you want, the next step should be identifying the areas to be worked-upon that will help in acquiring the goals. Analyze where you are currently standing, how much savings you have, your assets and debts, monthly expenditure and how are you trying to increase savings. Risk management is one thing most of us overlook while making financial plans.
Always ensure that you have insurance for house, health and other possessions. A smart decision taken today can save you big bucks in the coming time. Once you are done with the process, next step is to review and revisit these goals as well as the progress you have made every month.
It is true that financial plan building can take the shape of a confusing process. The moment you find your finances are scattered all over, you should take the advice of a personal finance planner.
We generally opt for a financial planner in case the sums are larger and unmanageable, we are undergoing losses, the decision making power is somewhere lost or the finances are disturbing us. A money management expert will keep your finances in order. Make sure he has enough experience and required knowledge, so that he can handle everything smoothly and also comes up with profitable ideas.
We are often mistaken that cash management is all about balancing the chequebook. But, it involves everything from preparing a budget, using credit wisely and minimizing income tax to be paid. All of us are not blessed with the art of taking care of everything from credits, debits to insurance, and at certain point of time, we need a trained professional to provide us with a financial security.
If you are facing financial crisis or it is becoming unmanageable for you to take care of finances, it’s high time to consult the right personal finance planner and let him take away all your worries.

TheLivingBalanceSheet provides money management , budgeting help, managing your money and budgeting money . TheLivingBalanceSheet also provides personal finance management software to set up the guidelines for evaluating the financial growth.