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Investing wisely is the key to achieving long-term financial success. By making strategic financial investments, you can grow your wealth and secure a brighter future.

Bankruptcy Solutions

Bankruptcy helps to resolve the debt problems. he bankruptcy process begins with a petition filed by the debtor, which is most common, or on behalf of creditors. As part of the bankruptcy process, we will provide you with tools to balance your budget, set financial goals, improve your credit rating and set you up on the right track.

Bankruptcy is a legal process that provides protection to people who are unable to repay their debts or reach a suitable arrangement with their creditors. Bankruptcy allows individuals to be released from most debts, providing relief and helping you to make a fresh start. Bankruptcy takes two forms. In the event that you are no longer able to pay your debts, you can declare Voluntary Bankruptcy.

once you file, creditors have to stop collecting money from you—at least temporarily. Most creditors can’t write, call or sue you. Bankruptcy can also stop foreclosure on your home, repossession of property, or garnishment of your wages.

Solvency Analysis

The solvency ratio helps us assess a company's ability to meet its long-term financial obligations. In general, a solvency ratio measures the size of a company's profitability and compares it to its obligations.

solvency analysis is calculated by taking the total liabilities and dividing it by total capital. If the debt ratio is higher, it represents the company is riskier. The long-term debts include bank loans, bonds payable, notes payable etc.

a company with a solvency ratio of 1.2 is solvent, while one whose ratio is 0.9 is technically insolvent.

    Debt solvency ratios

  • Debt-to-assets Ratio (also referred to as debt ratio) = Total Debt/Total Assets
  • Debt-to-capital Ratio = Total Debt/(Total Debt + Total Shareholder’s Equity)
  • Debt-to-equity Ratio = Total Debt/Total Shareholder’s Equity

International expertise

In today's interconnected world, having international expertise is a valuable asset that can open doors to exciting opportunities. Whether you're a professional, entrepreneur, or student, here are some key reasons why embracing international expertise is essential:

  • Global Perspective: Gain a broader worldview and deeper understanding of different cultures and business practices.
  • Career Advancement: Stand out in the job market with the ability to navigate international markets and work effectively in diverse teams.
  • Business Expansion: Successfully expand into new markets by understanding local regulations, consumer behaviors, and business customs.
  • Personal Growth: Challenge your comfort zone, develop resilience, and foster adaptability in diverse environments.
  • Networking: Build a global network of professionals, mentors, and collaborators for unique insights and potential partnerships.
  • Cross-Cultural Collaboration: Engage with diverse perspectives to drive innovation and solve global challenges.
  • Lifelong Learning: Continuously learn and grow through international experiences.

Finance with technology

Information Technology Services are the engine that keeps banks running. Some teams make sure deals, trades and payments actually happen, others manage technology. Technology in financial services has great benefits, such as improved security, speed, convenience, coverage, and customer experience.

Mobile banking – something that hundreds of millions of people around the world take completely for granted – is actually technology supporting the delivery of traditional banking services (aka fintech). Even your Starbucks app is a form of financial technology in that it facilitates payments and a proprietary rewards program using a mobile device.

GST

GST is known as the Goods and Services Tax. It is an indirect tax which has replaced many indirect taxes in India such as the excise duty. It is an indirect tax that was implemented to replace a variety of previous indirect taxes, including the value-added tax, service tax, purchase tax, excise duty, and others. The GST is paid by consumers, but it is remitted to the government by the businesses selling the goods and services.

    Indirect taxes imposed by the central government

  • Central Sales Tax
  • Service Tax
  • Central Excise Duty
  • Excise Duty (Additional)
  • Countervailing Duty or Additional Customs Duty
  • Special Additional Customs Duties
  • Indirect taxes imposed by the state government

  • State VAT
  • Entry Tax and Octroi Duty
  • Luxury Tax
  • Amusement and Entertainment Tax
  • Taxes on Advertisements
  • Goods and services related to cess and surcharges
  • Purchase Tax
  • Tax on betting, lottery and gambling

Income Tax

Income tax is a tax charged on the annual income earned by an individual. The amount of tax paid will depend on how much money you earn. Income taxes are a source of revenue for governments. They are used to fund public services, pay government obligations, and provide goods for citizens. In addition to the federal government, many states and local jurisdictions also require that income tax be paid.

    Types of Income Tax

  • Individual income tax - is also referred to as personal income tax. This type of income tax is levied on an individual’s wages, salaries, and other types of income.
  • Business Income Tax - Businesses also pay income taxes on their earnings; the IRS taxes income from corporations, partnerships, self-employed contractors, and small businesses.
  • State and Local Income Tax - states also levy personal income taxes. it may not necessarily be cheaper to live in a state that does not levy income taxes. This is because states often make up the lost revenue with other taxes or reduced services.

Financial Modelling

Financial modeling combines accounting, finance, and business metrics to create a forecast of a company’s future results. Financial modeling is the task of building an abstract representation (a model) of a real world financial situation

    Types of financial models:

  • Three-Statement Model
  • Discounted Cash Flow (DCF) Model
  • Merger Model (M&A)
  • Initial Public Offering (IPO) Model
  • Leveraged Buyout (LBO) Model
  • Sum of the Parts Model
  • Consolidation Model
  • Budget Model
  • Forecasting Model
  • Option Pricing Model
  • The four major components of a financial model:

  • Income Statement
  • Balance Sheet
  • Cash Flow Statement.
  • Debt Schedule.
  • Examples of financial models available include:

  • Project finance models
  • Pricing models
  • Integrated financial statement models
  • Reporting models
  • Three-Statement Model
  • Discounted Cash Flow (DCF) Model
  • Merger Model (M&A)
  • Initial Public Offering (IPO) Model

Exposure to the experts in the field

Gaining exposure to investment experts is a powerful catalyst for your financial success. Here's why it matters:

  • Expert Insights: Tap into their knowledge for informed investment decisions.
  • Personalized Guidance: Receive tailored advice to optimize your strategy.
  • Networking Power: Connect with experts for valuable introductions and exclusive opportunities.
  • Risk Management: Learn to navigate market volatility and protect your investments.
  • Market Awareness: Stay informed about trends and lucrative investment options.
  • Financial Education: Enhance your knowledge and decision-making skills.
  • Performance Enhancement: Optimize your portfolio for better returns.
  • Confidence and Peace of Mind: Gain reassurance from expert support.