SR.NO NAME ROLL NO

1. KRUTIKA SHELKE 155

2. VAISHALI PARMAR 142

3. SHRADDHA TANDEL 159

4. ASHISH BHADORIA 104

5. MANOJ ABRAHAM 136

• Specific

• Measurable

• Attainable

• Relevant

• Timely

1. PAYCHECK

2. RENTAL INCOME

3. GOVERNMENT BENEFITS

4. INTEREST

5. INVESTMENT INCOME

1. FIXED EXPENSES

2. DISCRETIONARY EXPENSES

SURPLUS/DEFICIT

Emergency FUND

RISK MANAGEMENT

WITH INSURANCEHEALTH

INSURANCE

AUTO INSURANCE

LIFE INSURANCE

PROPERTY

INSURANCE

LIABILITY

INSURANCE

DISABILITY

INSURANCE

The Three C's of Credit

Capacity--Can you repay the credit you're granted? What's your income?

Character--Will you repay the credit you're granted? What's your previous

track record?

Collateral--Is there tangible property that can secure the credit extended?

Debt

INVESTING

• GROWTH

• INCOME

• STABILIT

Y

SAVING FOR RETIREMENT

• BASIC CONSIDERATIONS

• WHAT KIND OF RETIREMENT DO

YOU

• WHEN DO YOU WANT TO RETIRE

• HOW LONG WILL RETIREMENT

LAST?

PLANNING FOR INCAPACITY

WILLS

FINANCIAL PLAN

• START-UP COSTS

• CASH FLOW PROJECTIONS

• PREPARING A CASH FLOW PROJECTION

• INCOME STATEMENTS

• BALANCE SHEETS

• BREAK-EVEN ANALYSIS

HOW TO APPROACH LENDERS

• DOES YOUR BUSINESS REALLY NEED TO BORROW

MONEY?

• HOW MUCH DOES YOUR BUSINESS NEED TO BORROW?

• HOW FAST SHOULD YOU REPAY YOUR LOANS?

• UNDERSTANDING THE LOAN APPROVAL PROCESS

WHAT LENDERS ARE LOOKING FOR

• ESTABLISHING A POSITIVE

RELATIONSHIP WITH YOUR

LENDER

WHY BUSINESS LOANS SOMETIMES BECOME PROBLEM LOANS

Start PLANNING

THANK YOU