Ease Your Finance Worries By Selling Your Chase Credit Card Points

Nowadays, credit card companies provide lots of advantages to their users. One of the most important ones is the cash credit card points, which is provided to loyal customers, who make payments regularly. You might be unable to take full advantage of the same, unless and until you understand how precisely they work.

Cash credit card points are nothing but incentives provided to credit the card holders, whenever they use their cards for purchasing things, or for payment of the bills. You can get such points and sell them in order to ease your financial worries. They are redeemable as a discount on purchases of free movie tickets, booking hotel rooms, groceries, gas etc. In some of the cases, banks also offer cash rebates on the purchases of certain items.

If you do not know how many chase credit card points you have earned till now, then you need to check your credit card statement. The monthly statement will let you know precisely how many points you have earned till now, and what you can use them for. In some of the cases, the banks also offer special offers, on which you can use such points. The offers are presented in the form of a catalogue, where you are free to choose a product for redemption of your earned points. Redemption of credit points on airline miles is done in a different way by various banks. You will have to check with your bank for clear information on the same.

If you are dubious about how these scores are determined, then you can talk to the customer representative of your bank and get the details. You will also need to make use of the credit points smartly prior to the expiration period for redemption, beyond which the points will be valueless. You can access your bank and check for the procedure in order to redeem the benefits related to your card. Your bank may want you to fill up an application form for the same. You can also stay in touch with their customer service representatives and ask them to help you in filling the application form.

Though many credit card companies provide the benefits of cash credit card points, but it is suggested to check this information in detail prior to applying for one. If you like to use your card extensively, then it is suggested to get the one which provides maximum reward points. Nevertheless, you will need to ensure that the rewards provided are something, which you will need rather than something that you are compelled to buy.

Reasons You May Need Finance For Your Business

Finance is the availability of money that you can invest in your business. Every business dream requires cash to turn into reality. As your business grows, the more money will be required to finance your projects. Finance for business is also required to meet the working capital requirement.

Here are a few reasons why you require finance for business:

Every business requires capital to purchase assets, pay salaries and to buy raw materials. You also need finance to meet the working capital requirement of the business. Every business requires time to generate positive cash flows and requires finance to meet this shortfall in cash.

When the business grows it requires capital to introduce higher production capacity and new technologies. Introducing new technology in business is expensive and is a long-term investment that the company makes. All these changes require long-term sources of finance to meet the capital requirements of the company.

Developing and marketing of new products is expensive. Companies launch new products to increase their sales and to improve customer satisfaction. To market and develop products, companies need money that can be sourced from internal cash flow or financed from external sources.

Companies planning to launch their products in new markets have to incur expenses on research and marketing. New markets include selling their products in a new geographic area, or getting new customers in the existing area of operation. If the company’s internal cash flows are inadequate to finance new market launches, then the company may require additional finances.

When the business buys a new product, brand or company, it may require finance to fund its acquisition.

If the business is relocating to a new area then finances may be required to fund the transfer of employees and machinery.

Most businesses require finance to meet their working capital requirement. Businesses need to pay the suppliers, employee salaries and other sundry expenses. Businesses receive cash for the sale made only after a certain period.

To meet the expenses, companies cannot rely on the money received from the sales made. They usually take a working capital loan, which is repaid, once payment is received by the company.

When choosing a source of finance you need to consider the following:

The finance required would decide the source from whom you can borrow. Usually private lenders are able to finance small amounts. If you are looking to get a large amount, you may have to approach a bank or a financial institution.

If you need money immediately, then you may have to approach private lenders who charge high rates of interest.
However, if you can wait, then you can get finance from banks and other financial institutions at low rate of interest.

Select the finance option which charges you the lowest interest rate. Internal cash flow is the best way of meeting the finance requirement of the company.

You need to analyse the risk reward ratio before you opt for any source of finance. Even if you have an internal cash flow to meet your requirement, make sure you analyse your risk before making any decision.

Practice Test Paper & Mock Test Of Nism Series

National Institute of Securities Markets (NISM) is a public trust, established by the Securities and Exchange Board of India (SEBI), the regulator for securities markets in India. It is located in Navi Mumbai, India. Towards accomplishing the desire of Government of India and vision of SEBI, NISM has launched an effort to deliver financial and securities education at various levels and across various segments in India and abroad. To implement its objectives, NISM has established six distinct schools to cater the educational needs of various constituencies such as investor, issuers, intermediaries, regulatory staff, policy makers, academia and future professionals of securities markets. NISM seeks to add to market quality through educational initiatives. It is an autonomous body governed by its Board of Governors. An international Advisory Council provides strategic guidance to NISM.NISM brings out various publications on securities markets with a view to enhance knowledge levels of participants in the securities industry.

NISM is mandated to develop and implement online test certification for professionals employed in the Indian securities markets. NISM certification tests are designed to deliver financial and securities education at various levels and across various segments. There is no eligibility requirement with regards to age as well as educational qualification to take the NISM exam.

NISM Test or NISM module includes:

NISM-Series-I: Currency Derivatives Certification Examination

NISM-Series-II-A: Registrars to an Issue and Share Transfer Agents Corporate Certification Examination

NISM-Series-II-B: Registrars to an Issue and Share Transfer Agents Mutual Fund Certification Examination

NISM-Series-IV: Interest Rate Derivatives Certification Examination

NISM Series-V A: Mutual Fund Distributors Certification Examination

NISM Series-VI: Depository Operations Certification Examination

NISM-Series-VII: Securities Operations and Risk Management Certification Examination

NISM-Series-VIII: Equity Derivatives Certification Examination

Certified Personal Financial Advisor (CPFA) Examination

The tests aim to impart working knowledge to the candidates on the basics of concerned markets, like currency derivatives markets, interest rate derivative markets, mutual funds, asset management, financial planning, securities market, depository systems, regulatory framework and the ability to analyze and evaluate different financial products and provide effective financial advisory.

Intelivisto, in-line with the objectives of SEBI & NISM, have already started taking different measures for financial education among the masses and budding professionals. These measures are in form of various Securities Market Certification practice tests and Seminars & Workshops on related subject-matters.

Intelivisto.com offers the NISM mock, chapter wise and full length online test for the preparation of NISM exams. Tests designed by Intelivisto experts are as per the parameters set by apex securities market institute NISM. These tests feature 1000 – 1500 questions. Tests carry the same pattern and testing mechanism as set for NISM online tests. Full length tests cover the questions from units in same ratio as set for respective NISM test and analysis of aspirants performance with detailed report at a microscopic level with intelivistos assessment tools.

Financial Planning Made Simpler With The Aid Of A Tax Accountant

Financial planning as the name suggests are the methods or process of cleverly and wisely managing the finances so that monetary goals can be achieved alongside negotiations of financial barriers that seem to spring up at every crossroad of the journey!

Financial Planning is an assessment and evaluation of a persons current as well as future financial condition by using appropriate variables to foresee and predict future cash flows, asset values and plans of withdrawal if any. This planning warrants the use of a budget and a plan to organise an individuals finances and may include a series of measures and steps for spending and saving for the future.

Most of us have hopes and aspirations for ourselves which include buying a house, saving for higher education, or even taking that long sought after vacation.A retirement fund is also something that needs to be planned along with the present financial needs.

A financial planner hence is some person or an agency that helps an individual or a company that negotiates the challenges in doing the financial planning. He has the expertise and knowhow of exactly the type of financial program an individual or company may require at a given point of time. He is in a position to lend a third party view to trending financial plans and schemes. They help in setting realistic financial objectives and goals by assessing the present financial situation by running through the current, assets, liabilities, income and so forth. This helps in deciding upon a comprehensive plan which can go a long way in achieving monetary and financial goals.

While going ahead with financial planning with a budget in mind, it becomes important to draw in the services of a tax accountant as well.

A tax accountant basically handles company and individual taxes, audits and keeps a track and record of all of them. The primary task of a tax accountant is to calculate the earnings, fill in the documents and provide accurate tax statements.

An accountant of this calibre may work for an individual client or be a public tax accountant handling more than one client or companies simultaneously. He is responsible for understanding the prevailing market trends and also any agency and government regulations that may exist. He uses this knowledge to ensure that the clients or firms are in tune with the tax preparations and submissions of taxes properly. They are trained to understand research, translate and interpret tax laws applicable to the state as well as the country.

Financial planning done with fore sight and accuracy and operated within the legal parameters of tax declaration, submission and accountability makes the entire gamut of financial activities streamlined and simple. Working within the task laws means that the financial activity is legal and hence the risk of violation is eliminated.

Money Matters Financial Services Limited

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