Walkin Interview @ UNICON

Job Title

Tele Sales Officers/Tele sales Executives

Location

Delhi/NCR

Job Descriptions

Outbound Insurance Process

Calling prospective Clients to generate business sales

Making calls to the existing Clients

Tele-calling with convincing capability.

Fix meetings for RM with existing as well as prospective Clients

Eligibility

Qualification UG/ Graduate

Good Communication Skills Language Preference English, Hindi, Punjabi

Intersted Candidates can walk in at below Locations

Noida: - 221, Block- D, Sec-63

(Near Danik Jagran Building)

Contact: Ms.Charu – 9311028811

Pusa Road: - 26, Block No-34, 3^rd Floor

Pusa Road, Near karol bagh metro station.

Contact: Ms. Simran

Moti Nagar: - 33, DLF Industrial Area

Moti Nagar, Near Moti nagar metro station

(Metro Pillar No. 316)

Contact: Mr. Amit Arora -9311028812

All the best

Team Unicon

HSIL Ltd - Q2 FY11 Result Update

HSIL Ltd - Q2 FY11 Result Update

o    HSIL Ltd (HSIL)’s total revenue registered a growth of 29% YoY to INR 2220 mn backed by healthy growth in both building products and container glass segments. The results were marginally below our estimates.

o    The company’s operating profit at INR 449 mn, witnessed a 20% increase Y-o-Y. EBITDA margin at 20.84% registered a decrease of 121 basis points on a Y-o-Y basis.

o   PAT at INR 139 mn witnessed a growth of 52% as compared to the same quarter in the previous year. PAT margin at 6.46% has increased by 107 basis points Y-o-Y. EPS for the quarter stood at INR 2.53.

Valuation

At the CMP of INR 137, the stock trades at ~9x our consolidated FY12E EPS. We recommend to “BUY” the stock with a price objective of ~INR 178.

 Thanks & Regards,

Unicon Wealth Research

Banco Products (India) Ltd Q2FY11 Result Update

Banco Products (India) Ltd (BPIL) Q2FY11 Result Update

• BPIL reported a 21.5% YoY increase in standalone revenues to INR 1.2bn for Q2FY11.
• The company registered a decline of 920bps YoY in EBITDA margin to 20.0%.
• The company registered a decline of 910bps YoY in net margin to 12.3%.

Outlook & Valuation

The stock is currently trading at P/E multiple of 6.4x as per our FY12 earnings estimate. We maintain our Buy rating on this stock with a revised target price of INR 149.

Thanks & Regards,

Unicon Wealth Research

Mundra Port & Special Economic Zone Ltd Q2FY11 Result Update

Mundra Port and Special Economic Zone Ltd (MPSEZ) Q2FY11 Result Update

• MPSEZ reported a 26.3% YoY increase in revenues to INR 4.1bn for Q2FY11.
• The company registered a decline of 550bps YoY in EBITDA margin to 66.2% in Q2FY11.
• The company registered a decline of 180bps YoY in net margin to 50.0% in

Outlook & Valuation

The stock is currently trading at a PE multiple of 35x and 28x for FY11 and FY12 respectively as per our earnings estimate. We downgrade our rating from Accumulate to Hold on this stock with a revised target price of INR 175.

Thanks & Regards,

Unicon Wealth Research

Biocon Ltd Q2FY11 Result Update

Biocon Ltd Q2FY11 Result Update

Ø  Biocon registered strong 17% YoY increase in revenues with across-theboard growth in all core businesses like Insulins, Immunosuppressants,

 Statins and Branded Formulations. Quarter revenues increased by ~INR 1 bn to INR 6.8 bn on YoY basis.

Ø  EBITDA increased 27% YoY and 9% QoQ to ~INR 1448 mn in Q2 FY11. EBITDA margin improved by 164 bps to 21.3% on YoY basis, due to

 reduction in operating expense.

Ø  Net Profit also improved by 20.4% YoY and 16.3% QoQ to ~INR 892 mn. Slower growth was seen due to reduction in other income. PAT margin

 improved marginally to 13.1% from 12.8% same period last year.

Outlook & Valuation

Stock is currently trading at 22x its FY12E earnings. We rerate the stock to BUY with a fresh price target of INR 560.

Thanks & Regards,

Unicon Wealth Research

Tata Consultancy Services Ltd Q2FY11 Result Update

Tata Consultancy Services Ltd - Q2FY11 Result Update

Ø  Revenue at INR 92,864 mn; up 25% YoY & 13% sequentially.

Ø  EBITDA was at INR 27,762 mn, up 15% & 31%, QoQ and YoY respectively.

Ø  PAT was at INR 21,990 mn up 32%, YoY and 13%, QoQ.

Outlook & Valuation

Going forward, TCS expects clients to gradually increase their IT budgets. There is also a possibility that pricing could see a little bit of increase going forward. However, attrition remains a concern. With robust demand outlook we expect pricing to improve going forward especially in areas like enterprise solutions, cloud computing & consulting. However, there will be a concern about the uncertainty in global macro environment. With IT spending back and transformational deals making a comeback, TCS looks strong to deliver good performance in the coming quarters. At CMP of INR 986 the stock trades at 24x its FY11e EPS. We raise our price target from INR 1040 to INR 1148. Recommend Accumulate.

Thanks & Regards,

Unicon Wealth Research

Allahabad Bank Q2FY11 Result Update

Allahabad Bank Q2FY11 Result Update

Ø  Allahabad Bank (ALBK) delivered another strong quarter, with net profits increasing by 20% to INR 4025 Mn YoY.

Ø  The net interest income increased by 60% to INR 9690 Mn YoY. NIMs improved to 3.34% from 3.10% sequentially and 2.84% YoY..

Ø  ALBK’s Gross NPA declined to 1.77% in Q2FY11 from 1.78% YoY and Net NPAs increased to 0.56% from 0.35% YoY. ALBK is will capitalised with CAR at 13.49% wth Tier I Capital at 8.41%.

Outlook & Valuation

At the CMP INR 240 stock trades at 1.3x of its FY12E book value, we have BUY rating on the stock for 12-18 months target of INR 305.

Thanks & Regards,

Unicon Wealth Research

YES Bank Q2FY11 Result Update

YES Bank Q2FY11 Result Update

Ø  YES Bank net profits increasing by 58% to INR 1763 Mn YoY. This was supported by strong loan growth of 86% YoY to INR 303.5 Bn. The deposits grew by 107% YoY to INR 400 Bn.

Ø  The net interest income grew by 78% YoY to INR 3132 Mn. Bank’s net interest margins (NIMs) remained stable at 3% and CASA ratio to 10.1%.

Ø  Along with expansion of loan book the bank maintained a stable asset quality, with gross & net NPAs declining to 0.22% & 0.06% from 0.31% & 0.0.8% YoY respectively.

Outlook and Valuation

At the CMP INR 353 the stock trades at 2.6x of its FY12E Book Value., we have a BUY rating on the stock for target price of INR 461 for 12-18 months.

Thanks & Regards,

Unicon Wealth Research

Coal India Ltd - IPO Company report

Larsen & Toubro Ltd_Q2FY11 Result Update

Larsen & Toubro Ltd - Q2FY11 Result Highlights

L&T’s top-line came in line with Unicon’s expectation but positively surprised on margin front. While top-line at INR 83bn grew by 17.8% YoY, the operating profit was higher by 20% on yearly basis to INR 10bn. The operating profit margin, marginally improved by 20bps to 10.8%, (our estimate 10.2%). Due to sharp run up in base metal prices during the quarter, going forward, we expect its margin to ease. Improvement in margin was led by reduced cost, as percentage of sales, in cost of materials and sub-contracting charges. Net profit after tax at INR 6.9bn was higher by 19.6% on yearly basis before extraordinary items.

Outlook and Valuation

Having regard to the performance and order intake during 1HFY10, management guidance of 25% growth in its order-book and 20% topline growth seems achievable for FY11.

Currently, stock trades at 22.7 its FY12e earning per share of 88.7 and price to sales ratio of ~1.8x. Upgrade to Accumulate for price target of 2,250.

Thanks & Regards,

Unicon Wealth Research

Infosys Technologies Ltd Quaterly Report Result Update

Axis Bank Ltd Quaterly Report Result Update

Unicon Financial Intermediaries Pvt. Ltd.

Quiz For The Day

Guess the Closing Sensex Today.......................

Ashoka Buildcon Ltd

Ashoka Buildcon Ltd. (ABL) undertakes Engineering, Procurement and Constructions (EPC) contracts in roads, bridges (on Build Operate and Transfer basis, [BoT]), commercial and industrial buildings and power transmission and distribution (T&D) projects. ABL currently has an interest in 23 BOT road projects (17 operational and rest under execution) with blended concession period of ~21 years.

Objects of the Issue

ABL, through this public issue intends to raise ~INR 2,500Mn. Post IPO, promoter’s shareholding will reduce to 73% from 84%, currently. The object of the issue is to raise capital to invest in fixed assets, meet its working capital requirements, repay debt of its own and its subsidiaries & associates and for general corporate purposes.

Investment Rationale

Ø        Well-established player with proven ability in toll-based BOT projects execution

Ø        Healthy Order Book of INR 32,533Mn, 4x its FY10 consolidated revenue

Ø        Integrated Business Model with in-house traffic forecast expertise and RMC plants

Concerns

Ø        Any significant variation in cost estimates and actual cost could materially impact its future profitability

Ø        ABL has advanced a sum of INR 1,630Mn to its subsidiaries, Associates, Promoters etc without interest and any security

Ø        Of the total order-book as on May’10, ~73.95%; 9.8% and 10.6% comprises of projects in the states of Maharashtra, Madhya Pradesh and Chhattisgarh. As players in road sector faces stiff competition, regional concentration could hamper the future growth of the company

Ø        Unsecured debt of INR 1,599.62Mn on a standalone basis is repayable on demand

Valuation

At the upper price band of 324, ABL stock is offered at 3.8x its Price to Book value (FY10, pre-IPO) and 3x at the lower price band. With higher return on net worth of 17.4% for FY10, the issue is attractively priced for long term investors. Given the positive sector outlook, reasonable valuation and higher Return on Networth when compared with its peers, recommend SUBSCRIBE.

Tecpro Systems Limited

Tecpro Systems Limited (TSL) provides turnkey solutions in material handling, ash handling, balance of plant ("BoP") and engineering, procurement and construction ("EPC") contracts. Over the years TSL has developed in-house capabilities for providing comprehensive solutions in material handling and ash handling systems. TSL has received the highest number of orders for coal handling plants during the Eleventh Five Year Plan (2007-2012), (Source: RHP, www.cea.nic.in). Leveraging on its capabilities in coal handling, ash handling and established project management track record, TSL has begun to focus on turnkey BoP contracts in thermal power generation sector

Investment Rationale  

Ø        Current order-book of INR 23.1bn, 1.6x its FY10 revenue on consolidated basis shows quick conversion of order-book to sales and growth outlook for core sector like, Coal, Steel, Power, and Cement etc remains positive over medium to long term. TSL has received the highest number of orders for coal handling plants during the Eleventh Five Year Plan

Ø        Strong project management expertise and established track record of project execution

Ø        Strong in-house design and manufacturing capabilities

Ø        TSL revenue has grown on year-on-year basis by 119.5%, 58.4% and 82.0%, for FY08, FY09 and FY10, respectively and growth outlook continues to remain positive

Concerns

Ø        One of the BoP order worth INR 9,930Mn (43% of the current order-book) is subject matter of apex court judgement. Any adverse decision against TSL in these proceedings could result in loss to the extent of expenses incurred but not recovered from client and significant reduction in its order-book.

Ø        Top 10 customers constituted ~65% of TSL’s income from operations for FY08-10. Dependency on few clients for most of its revenue exposes TSL to the risk of loss of client / revenue which could materially impact its future business.

Ø        TSL had negative cash flows for last five fiscal years

Valuation

At the upper price band of 355, TecPro Systems Ltd is offered at 14.2x its FY10 EPS of INR 25 and 13.6x at the lower band, while its peers are trading at 16x – 20x. Given the robust outlook for core infrastructure sectors like Power, Cement, Steel, Coal, lower valuation and higher Return on Networth when compared with its peers, TSL valuation remain attractive, recommend SUBSCRIBE.

How to have best investment with high return.

Every investor wants to double his revenue and wants to get double or much more than his hard earned money. Hence for getting highest return it is very necessary to invest in right place. But for investing in right place , the first question which strikes our mind is “which is the best place to invest, for getting high returns?” before we continue to find this questions answer make sure that you are not going to count all of your previous experience of the investments. You would have seen many brokers by saying to prove themselves with the right best place to invest your hard earned money but sooner you might get to know that the low level stock broker is performing under actions which might get success rates below than you expected.

Hence to get the right information about the best sectors to invest it is important to take the benefits of internet rather than digging out the earth.

1. This website is the best suitable for the new investors, they can get abundant information about the best places to invest.

2. The funds section gives important information regarding the mutual funds, stock, bonds etc.

3. In Unicon you can get the regular updates about mutual funds statistics hence we can say, you will not be served the old dishes of information.

4. In Unicon you will be getting the regular updates about the best and worst performing sectors hence by that you will be able to find it easy to get the best suitable sector for your investment.

Many investor find them well comfortable in investing the equity funds, hence to get the right and good returns it is very important for them to have an up to date equity reports. The equity report comes in several formats. A general equity report is a document which has the necessary information about the equity funds and the return of it. The equity report is one of the important document for the investor, the equity reports plays an important rule while applying for the loans.

Well we just moved out to the equity funds but the stock market is not just limited to equity funds or any other types of funds, bonds. In fact the stock market is limitless. But this abundance makes the new investor to feel confused about selecting the best place to invest. A typical good investor should have the passion, a good sense of seriousness and fox minded brain, and eagle sighted eye view on his trading.

Although these qualities do not come as inborn but these qualities can be achieved by having regular stock market updates. Every investor does the investment and trading by having different types of goals in his minds hence every investor applies different way of action ,some of them get high returns while some of them loss the revenue. No body wants to become a loser, not even in regular life of stock market investment. Hence for being a successful a investor should have the courage like a stone and a good knowledge about every current status of the stock market. Hence the stock market updates should be taken with while investing in any sector.

How to become stock broker?

The world is of investment era and every new individual is trying to try their luck
by investing in stock markets. It is no doubt about the stock market’s dominance
among various investments sector. Every Friday of the week brings tears and joy
among various investors but still the investors do not give up and try them up in the
right way to get good return. The investors invest their money through the middle
person of the stock market and that middle person is known as stock broker. The
stock broker does all the actions required in stock broking to make their clients
enjoying high returns. As a matter of fact, only the members of the stock market
can do the stock broking hence a stock broker is the member of the stock market
who makes the investment of different people in the market through his account.
Hence being a stock broker is a good career option. And being a stock broker is not
in terms of the market’s guru guy but an individual stock broker can earn much
more income hence it’s a big deal for all the new generation seeking their future in
financial world. But when we think about being a stock broker first thing which
strikes our mind is how to become stock broker?
There is not any kind of special degree or educational certificate for being a stock
broker. A graduate person from the fields of commerce, finance or economics can
easily seek and build his career in stock market by joining the big stock brokerage
firms. But this is not just the exact way for becoming a stock broker. For being a
perfect suitable person, the person has to appear the General Securities Registered
Representative Examinations and before applying for the exam the person has to get
the training from any stock brokerage firm for at least 4 to 6 months. After passing
the examination the person gets the license for becoming a stock broker. After these
steps the person has to appear for the Uniform Securities agents laws examinations
in several states, this examination is needed if the person wishes to be more
advanced. Hence by appearing some more examinations, the candidate can become
a good and advanced stock broker. But this was just a mock step for becoming a
stock broker; there are some characteristics which a stock broker needs for being
a successful stock broker. The stock broker should have the good communication
skills to make the clients trust on them and feel safe about their investment. A good
stock broker should have much developed ability for being rejected, this happens
in early days of every career. The stock broker should have a good patience while
stock broking. Today it can be seen every individual dreams for a good career and
a handsome income hence the stock broking a good field for all these aspirants.
Well this was for the persons who want to be the stock brokers but on the other
side there are several folks who want to invest their money by commodity brokers.
These folks are the investors. For trading in the commodity markets, every investor
should choose the right type of commodity brokers so that the trading becomes
a successful trading for that individual. First of all the investor should have the
complete knowledge about the commodity brokers. Perhaps there are some of the
commodity brokers who are new but to avoid this paradox, the investor should have
a good mock trail with small investment and if the trading gives the right expected
results, you have found the right type of commodity broker. Always try to seek for
the previous trading background of the concerned commodity broker.

A brief overview about DMAT/ depository services

Many folks who have the experience of investing in stocks are familiar with the DMAT accounts. But still there is large part of Indian population which is depended on dematerialized investments are unknown to the DMAT or depository accounts.

There are many people who want to open a DMAT account or a depository account but due to lack of information they become confused or they don’t find any way to get it done within right time. Hence here we are going to get some of the facts which are very helpful while opening the Depository or DMAT account.

When the DMAT account comes in our mind many of us start thinking about what exactly DMAT account is? The DMAT account is nothing but the Dematerialized account; it is same as like a bank account in which you can keep your bonds, stocks, shares and other financial assets.

Another question which makes us to think is what are depositories? n agency which keeps all types of securities and makes them easily available in electronic form is known as depository. There are two major agencies which provide the depository services in India, these agencies are NSDL i.e. National Securities Depository Limited and CDSL i.e. Central Depositaries Services Limited. These two agencies have many banks and several other financial institutions which keep all the vital steps to carry out the depository service smooth going. In other words the banks and the other several financial institutions act as the participant in the depository services in India.

Open a DEMAT account, it’s much simpler than you think! The world is changing every second in terms of economy and technology hence to open a DEMAT account; one does not need to think so much and face any hurdle.

In fact opening a DMAT account is pretty simpler, you can open a DMAT account in any scheduled bank or government undertaken bank. You can open the DMAT accounts with the assistance of stock brokers or any other financial institution.

The application form for opening a DEMAT account is much simpler; you have to just fill the form along with the photocopy of the PAN card issued by income tax department and residential proofs. And along with that you will need to submit two photographs and a cheque which is cancelled from your bank accounts. This process is done to link your DMAT account with the bank account.For submitting the identity proof you can represent any one of your documents such as passport, voting card, driving license etc. For submitting the address proof you can submit any one of the following documents such as your ration card, latest bank statements, latest telephone bills etc.

Hence opening a DMAT account is much simpler than it was previously the process of opening the DMAT account can become much simpler if you get the assistance of your stock broker. Opening a DMAT account is the intelligent way for investing in stocks or any other sectors, there are abundant advantages of DMAT account.

Types of investments you need to know about!

Every person wants to be financial independent hence for that he takes every
possible step to attain his goal. Some of these persons invest in different fields to
obtain high return. There are various kinds of investments available in the current
market. You can breakthrough short term investments, long term investments
and so on. Hence the investors find it very difficult to choose the right one for
them. They can not choose any types of investments as it involves the levels of
risk, profit margin, loss factor etc. Hence these mentioned factors make every
type of investments i.e. either long term or short term investments different from
each other. The word short term investment is enough for showing its details. The
short term investments are made for high returns but the short term investment
stand only for limited period of time. On the other hand the long term investments
are made for long term returns but the amount of the returns is much smaller
compared to that of short term investments. The short term investments have
the good fact that they have the much potential of high returns of profit but the
other side of the coin signifies that the short term investments carry much more
risks compared to the long term investments hence the chances of loss are also
much more in case of short term investments. Most suitable examples of the short
term investments are the stocks and bonds, in which every good and fox minded
investor should know about the precise timing of investments. Hence in short term
investments a small investor can become a millionaire in some matters of seconds.
On contrary a single mistake can make a big investor to lose every single penny of
his budget.
The high probabilities of fluctuations in profit and loss do not happen in case of long
term investments. The long term investments carry a good rate of profit, in a steady
manner. Although the returns are not big compared to short term investments ,the
risk factor also becomes much more lower in case of long term investments hence
making a good flow of profit in slow and steady rate. The long term investments
do not give you complete control on them i.e. if the person sales the stocks or bonds
earlier there might be some penalties or charges applied by them. The penalty
factors vary among various companies. The penalty factor does not make the long
term investments much worse because the chances of risks are much smaller hence
no body likes to get the penalty without any useful reason. Many times the investors
gets the money or returns only after the maturity of the investments but the return
after the complete maturity resembles much more that of short term investments
hence the long term investments are much preferable. In summary every type of
investment has some pros and cons, hence while choosing the right type make sure
you have the much knowledge about positive as well as negative factors.
Another way for achieving the financial freedom is done by monetizing the wealth.
Today people monetize their wealth in order to make their money rolled up and get
increased in amount. This monetization of wealth is known as wealth management.
The wealth management is one of the intelligent and secured ways of investing.
There are lots of stock brokers as well as wealth management institutions who
provide wealth management services for different organizations as well as
individual investors. These institutions make the suggestions and assist every
individual to invest in right field for getting good returns.

The facts about stock market

We all know this economical world is of investment of money and time, if we put
them in right way and right direction, the profits get more and more multiplied or
else the profit turns in some other forms i.e. loss. One of the major investments for
the hard earned money is stock exchange. For investing in stock exchange one has
to approach a stock broker. A stock broker acts as a middle person between you
and the stock market. Since it is well known that only the members of the stock
market can invest in stock exchange hence for investing in stock exchange every
group of business persons should pass through the brokerage corporations. Today
there are several stock brokers corporation in every corner of city. As an estimated
calculation, there are nearly 2000 major stock brokers in Delhi itself, that’s really
big figure for all of us. The stock brokers primarily assist the investor to invest in
the right field of investment. The stock brokers collect all the information from
various corporations and organizations and depending upon the needs of the client
they determine the right place for their client’s hard earned money. In fact we can
say that the stock broker bears the good knowledge of investment risks in different
fields. Many stock brokers in Delhi have the added other services along with the
investment in several sectors.
For investing in stock market every business organization should have a
good and perfect established portfolio. Hence the portfolio management is very
necessary part for very organization. If we define the portfolio it is the collection of
all the assets and properties bared by the organization. It is not necessary that only
organizations can have the portfolio of their own. Every individual, who wishes to
invest in stock market, can have the portfolio of his own. The portfolio can be made
in two way of parameters i.e. the individual will be able to gain higher return when
chosen for that in other words the portfolio is made for making a good assortments
of securities and assets hence some of them will be having unique function for the
investors security and some may not. This functionality varies along with the time
and situation. Today there are lots of stock brokers who provide the portfolio
management services for different type of purposes. These portfolios are managed
and made by various analyses done by the stock brokers. The analysis can be of
graphical analysis or statistical analysis. The stock brokers make their portfolio
management services much better by executing the trades, managing the bank
accounts and providing the credits etc.
Although the investing in stock exchange is much important process to think
about, the need of too much thinking for choosing the right step in invest needs the
attention and the knowledge of the current market. This can be done by having
regular stock market updates. The stock market does not lays down at a fixed
position but it changes its way of graph every second hence every investor should
have an adequate information regarding the stock market. The stock market
updates make the investor to become confident and get the new fields to invest
hence these above points are very helpful for every investor to have a good investing
career.

Important for you if you are thinking to get a life insurance cover, financial or retirement planning!

Have ever received life insurance advice? No doubt many of us get life insurance
advices from friends, family, relatives etc. but do you think, you get always the right
and good advices from these folks, perhaps not. Hence before you go to follow their
advice here is a recommended advice from you i.e. never follow the advice of those
persons who are not the professionals or successful in their own financial freedoms.
As being a common person finding the best insurance policy which is most suitable
for you, it is suggested you to get the assistance of the insurance agent. Try to get
the life insurance advice from insurance agents for choosing the right company with
which you would like to hold your life insurance. But unfortunately most of us do
not prefer to look for the life insurance advice from the insurance agents because we
think them much simpler. But this is not the real face; in fact the life insurances are
much more deep informative without referring you would be not able to go with the
right one.
Many folks think that they do not need the life insurance because it’s not worth for
them but that’s not the truth. As a matter of fact if you are a working employee you
should get an insurance cover. When you think that you should get an insurance
cover don’t just go blindly and select a plan have a deep look in the benefits and
the terms and conditions related with that. This can be made much simpler if you
get the assistance of the insurance agent. Use the internet to compare different
insurance policies hence in that way you would be able to select the right policy
cover without any hassle.
Many of us would like to spend their one third part of their life in retirement. Hence
it is very important for every individual to have a perfect retirement planning.
No body likes to spend his retirement life in an unfortunate condition; therefore
to prevent this situation every individual should have a retirement plan. A well
planned retirement planning or strategy makes an individual to spend his life
in ease and to achieve the long term plans. There are several retirement policies
available for us to make our retirement planning financially free. You can select
the right suitable plan with the assistance of the professionals. A retirement plan is
that preparation in which the individual makes the sociological, psychological and
financial preparations.
As a matter of fact we all know 80% of our decisions or plans which we execute are
related to the finance in a direct or indirect way. There are several examples such
as the education, new home, clinical treatment, diet plan etc. hence all of these plans
have a significant impact on our wallet. Hence it is necessary to have good financial
planning. Many folks don’t make the financial planning by giving several excuses
but the real fact is that they just don’t do it or if they do it they don’t know exactly
about their expenses and income and as a result they get trapped in debts. Hence
to avoid these problems it is very necessary to have a perfect financial planning.
You can make these all above mentioned plans in a effective way only if you follow
the right way and hence to make that easy you can get the assistance of financial