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The Importance of Mutual Fund With Respect to Financial Planning

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Financial planning is the systematized process of meeting your financial objectives through appropriate investment avenues. Every investor harbours a different aim, in this regard. For some it is wealth creation for wealth’s sake, others aspire to buy a home (or several), whereas others wish to build their assets so that they may leave behind some financial security for their loved ones. However, to fulfil these dreams one must first analyse their current financial situations. Financial planning begins by looking at a person’s income, their savings and assets, their tax records, their expenses and debts, their appetite for taking financial risks and even their age, before laying down a tangible and realistic investment plan suited to these observations. Financial planning is ultimately the move one makes to take charge of their and their family’s long term financial security.

Mutual fund investments are relevant to financial planning as they are the epitome of all those financial products that allow us to achieve our financial goals. The ramifications of mutual fund investing, what they consist of and how they will contribute to our financial well being are pre-determined. Every fund has a different goal, which allows investors to invest only in those that will be advantageous to them. Equity mutual funds strengthen one’s finances in the long run, focusing on growth with short term risk. Thus, when engaged in planning your finances, try and figure out what your needs in the long term will be, taking into account old age, your children’s education, and inflationary prices and so on and so forth. Having calculated your potential requirements, invest in an appropriate equity mutual fund that, at the time of maturity will provide you with enough returns to meet your predicted needs. If they do not, then one can always reinvest the gathered returns.

This is a more convenient move than the painful process of building an equity portfolio in the stock market, one share after another. Mutual funds are highly beneficial in the process of planning your finances as they help you to focus your investments today based on your anticipated need for tomorrow in one swift move, rather than wasting your time with other more elaborate investment tools and duties that can be outsourced. For e.g., mutual fund investors are not required to have a keen knowledge of the market as executive decisions are all made by the fund manager.

The combined convenience of a mutual fund along with the experience of the manager as well as the lucrative nature of the medium itself results in a winning combination for anyone looking to invest with the view of long-term growth.

Yudhvir Malik, Financial Commissioner & Principal Secretary, Electronics & Information Technology,

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To strengthen and facilitate knowledge sharing platforms engaging with partners across the globe through International conferences to provide cross-cultural grounding to stakeholders and participants To provide stakeholders with a platform to share models of best practice, knowledge and experience on a range of issues in the domain of ICT in Governance, Education, Health, security, Urban and Rural Development To mobilise the communities towards creating a digitally informed knowledge society based on shared understanding

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Debt Consolidation Loans – The Solution To Your Financial Problems

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A debt consolidation loan is meant to help people that have defaulted, missed payments or fear that this may be true in a near future. If this is your current situation, here are some guidelines on how to face debt and your bad credit situation and which options are available for you to escape from the debt trap. Missed payments and default usually happen because someone has failed to take into consideration unexpected circumstances that can arise and prevent successfully paying one’s debts. It is essential for this people to get out of debt; otherwise further spending will severely compromise their credit capacity and even risk bankruptcy.

Even though there are many ways to get out of debt, not all of them are available for everyone. Sometimes reducing expenditures while meeting costly loan payments is impossible, and since some expenditures are unavoidable they default. For those with bad credit, it is hard to get a loan and bad credit loans are an option that is not always a solution and sometimes adds up to the problem due to the high interest rates.

Bad Credit Loans

Failing to pay (even if you just miss out one or two payments) affects your credit score and is recorded in your credit history. Though you may obtain a loan with bad credit, you will either have to bear with higher interest rates or put your house as collateral thus risking losing it if you continue to miss payments.

Though bad credit loans carry higher interest rates or the risk of repossession, they are sometimes the only option for those who cannot get regular loans. If you have too many stains on your credit history and you think you will not be able to be approved for a regular loan, then you can seek a bad credit loan lender.

There is another way of reducing the interest rate charged on this kind of loans that does not imply offering an asset as collateral. This is especially helpful for non homeowners who would not be able to offer collateral anyway. Getting the aid of a co-signer (a good credit one is better) will guarantee that you get approved and the interest rate will also be reduced as this person acts as a guarantor of your debt.

Debt Consolidation Loans

On the other hand, a debt consolidation loan will reduce your payments, your debt and your creditors to one. You will get to repay the loan in smaller monthly installments for a larger period of time. If you can offer some kind of collateral you will even get smaller rates making it easier getting out of debt in a near future if your income increases.

If you feel that bills and debt have leaded you to a trap you can not get out of but you know you can make the sacrifices to reduce or control your spending in order to meet only one payment and avoid getting into more debt, a debt consolidation loan is the right option for you. You will avoid the appalling consequences of a bankruptcy and yet get a fresh start.

Faxless Payday Loans-Get rid from unpredicted financial emergency

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When you are not holding ample funds to fulfill your unexpected financial hardships, faxless payday loans is one advantageous loan service for you. It is a swift loan aid that can be completely free from tiresome and time consuming faxing procedure. Thus, anytime you are required to arrange additional finance these loans are the loan option that helps to access quick cash right away without following tacky and messy loan procedure at all.

As its name indicated, faxless payday loans do not demand any collateral from the borrowers. So, one need not worry if you are unaffordable to pledge anything and also do not have to feel reluctant to place any valuable asset. With the back of this small loan assistance, you can borrow the finance that can be ranges from 100 to 1500 with flexible and convenient repayment period of 14 to 31 days.

In order to grab swift monetary aid with faxless loans, you should meet the stated below loan criteria:

1. The borrower should be a permanent citizen of UK.
2. An adult with eighteen years or more.
3. Possess a valid and active checking account not more than 3 months old.
4. You need to be in regular employment earning 1000 per month.

Internet is an advanced technology that makes the loan application and approval really easy and fast for everyone. If you want to get applied with this loan, you just have to spend few minutes in completing the online application method. It demands few of your personals details like your monthly income, checking account number, name, address and so on. Once you get verified, the approval will send to you through an email. The money will be in your checking account within matter of hours.

The good thing about this loan is that even the bad credit borrower can also get the benefits of this loan. Even if you are having adverse credit status and holding bad factors like insolvency, foreclosures, bankruptcy, arrears, defaults and so on, you are just welcome. One can access the funds with this loan without a meager discrimination as it is free from credit checks.

Money Matters Financial Services Limited

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Money Matters Financial Services Ltd. is one of the fastest growing financial companies in India. Money Matters Financial services Ltd. is a Non Banking Financial Company and is categorized as a Non-deposit taking systemically important (ND-SI) Non Banking Financial Company (NBFC) by Reserve Bank of India (RBI). Money Matters Financial Services Ltd. is among the leading institutional debt market firm in our country which provides advisory, consultancy and other financial services to corporate and institutional clients.

Money Matters Financial Services Ltd. along with its group companies has set out to become the leading institutional debt market company in India. Money Matters Financial Services Ltd. intend to grow services related to its core debt market practice while scaling other businesses like investment banking and asset financing to support this practice. Money Matters Financial Services Ltd. punctual and dedicated services have given them a growing list of reputed corporate clients. Money Matters Financial Services Ltd. also provides merchant banking and broking services through its subsidiaries, and had about 100 employees as of June 30, 2010 at their Mumbai and Delhi offices.

Establishment:
Mr. Rajesh Sharma is a founder of Money Matters Financial Services Ltd. In the year 1997 with the help of couple of employees Rajesh Sharma started the small office of Money Matters at Fort area in Mumbai.

MISSION:
Excellency, passion, distinctiveness, integrity, knowledge are the core value of Money Matters which helps them build strong long-term relationship with their clients and that helped them to be one of the leading Financial Company in India.
The key to the success of Money Matters Financial Services Ltd. is based on experienced management, innovative structuring, strong relationship capital, effective execution, and diverse client base. Money Matters work closely with clients to understand their needs and they always provide customized solutions to the various financial needs of their clients.

ABOUT RAJESH SHARMA:
Mr. Rajesh Sharma, Chairman and Managing director of Money Matters Financial Service Ltd. has more than 17 years of experience in capital market and financial advisory services.

SPECIALIZATION:
Money Matters Financial Services Ltd. is expert in debt syndication, debt placement, financial restructuring, Financial Turnaround Advisory and Private Equity/M&A (mergers and acquisition) Advisory. Money Matters Financial Services Ltd. also gratifies other financial services (along with subsidiaries) like investment banking and corporate finance advisory and private equity funding. Money Matters Financial Services Ltd. has been serving various corporate sectors such as Real Estate, Power, Telecom, Hospitality, Retail and Financial services. Money Matters Financial Services Ltd. is full service investment bank which offers advisory services that are relevant across life cycle of a corporate.

Money Matters also provides asset financing which aims to accomplish short-term and long-term financing needs of corporate house which helps in asset financing, prompter funding, structured debt finance, and stressed asset funding and margin finance and debt syndication services like Project Finance: to increase the existing capacity or to set up a green field project.
Structured Finance: to increase the scope of financing by customizing financing structures as per business needs.
Working Capital Finance: short term finance to fill up the gap in operating cycle.
Acquisition Financing: finance to domestics or international acquisitions.
External commercial borrowing: Cost-effective long-term finance, denominated in foreign currency, to fund capital expenditure in Manufacturing and Infrastructure space.
Mezzanine Finance: High-yield debt with equity option for special business needs in the form of last-mile funding.

Debt Capital Market includes services like Long term corporate finance and Short term corporate finance. Money Matters Financial Services Ltd. provides complete investment solution in Equities, Derivatives, Debt Market Segment, IPO and Depository Services.

Money Matters Financial Services Ltd. has been servicing various corporate sectors such as Real Estate, Power, Telecom, Hospitality, Retail and Financial services.

Achievements:
In 2010, Money Matters Financial Services Ltd. was honored with Amity HR Excellence award for performance Management 2010 at global HR summit of Amity International.

By completing Qualified Institutional Placement (QIP) Last year in October 2010 Rajesh Sharmas Money Matters Financial Services Ltd. raised Rs. 445 crores to meet the funding requirement and capital. Expenditure for proposed asset financing business to house products such as Bridge financing, corporate loan/ Project financing structured product funding, Pre- IPO financing etc. to corporate. Money Matters Financial Services Ltd has a corporate lending book of Rs.257 Crore as on Nov 2011.

Net profit of Money Matters Financial Services Ltd. rose from Rs.9.92 crore in Dec 2010 to Rs.12.39 crore in Dec 2011 (by 24.90%), and sales rose from Rs.51.87 crore in Dec 2010 to 149.04 crore in Dec 2011(187.0%). Net worth of Money Matters Financial Services Ltd. is Rs.750 till this date.

Money Matters Financial Services Ltd. supports NGOs like Atma Mumbai, which works in the field of education and children, to bring positive change in the lives of thousands of poor and needy children in Mumbai.
Money Matters has over 70 employees working for them and have offices in Mumbai and Delhi