This presentation by Kusumaningtuti Soetiono was made at the second session of the 2nd OECD-GFLEC Global Research Symposium to Advance Financial Literacy on 6 November 2014, which addressed cutting-edge policy issues and research ideas to advance the global financial literacy agenda. Find out more at http://www.oecd.org/daf/fin/financial-education/oecd-infe-gflecsymposiumfinancialliteracy.htm
The document summarizes Indonesia's efforts to promote financial inclusion and education. It outlines three objectives of Indonesia's Financial Services Authority (OJK): ensuring orderly financial sector activities, creating a sustainable financial sector, and protecting consumer/public interests. As the unified regulator, OJK aims to comprehensively monitor financial inclusion programs and supply, demand, and infrastructure through its role in education and consumer protection. The national strategy supports a literate society and increased financial product usage. Challenges include the need for long-term commitment from diverse stakeholders, significant research, technological developments, and regulators ensuring conducive policies that promote access while maintaining stability.
This document discusses financial inclusion and literacy programs in Indonesia. It provides background on Indonesia's economy and financial system, noting that only 20% of adults have formal financial accounts. It then outlines Bank Indonesia's programs to promote financial literacy, especially among micro-entrepreneurs and small- and medium-sized enterprises (SMEs). Surveys found that financial literacy positively correlates with education levels and impacts savings and borrowing behaviors. Bank Indonesia's programs include training modules on financial education and a study showing it leads SMEs to better financial management. The document concludes that financial education should be integrated with SME development, partnerships expanded to reach more groups, and programs replicated nationally to improve financial literacy.
Fintech is gaining popularity recently, a great number of Fintech startups are emerging nowadays. Fintech has huge potential in Indonesia as it provides solutions which are not offered by conventional banking institutions. New model of payment and investment option become more familiar through online financial service. Fintech in Indonesia does not spared from government regulation, to make sure financial products that startup's offered are not harmful toward society, OJK as the policy holder will soon pass a law to regulate the growing fintech startup in Indonesia. All information about fintech startup, available sectors, and forecast growth will be available in this report.
A report about Fintech Indonesia and all Fintech Statups in Indonesia powered by www.Fintechnews.sg/Indonesia. Also Check Out the Facebook Page: https://www.facebook.com/Fintech-Indonesia-177477972669098/
Thailand Fintech landscape 2016 special report by techsauce Techsauce Media
油
Thailand Fintech landscape 2016 by techsauce.co including:
- What is Fintech?
- Fintech in Asia
- Fintech in Thailand
- Collaboration between big enterprises and startups
The document provides 15 ways for people to reduce spending and increase savings, including creating a spending plan, tracking expenses, paying yourself first by automatically saving a portion of your paycheck, reducing spending on services like cable and phone bills, carrying cash instead of credit cards, saving on food costs through meal planning and couponing, eating out less, saving spare change, reducing energy costs, making coffee at home, paying bills on time to avoid fees, saving on transportation costs through car maintenance and public transit, bringing lunch instead of buying, enjoying free entertainment, saving on gifts and social activities, and reducing insurance and clothing costs through comparison shopping and purchases at discount stores.
Baxendale Walker provides tips for families to reduce expenses and manage their household budget during economic recessions. They recommend creating a monthly budget that tracks income and allocates funds across categories like food, housing, and entertainment. It is best to pay with cash instead of credit cards to better track spending. When considering purchases outside the budget, it is advised to wait 24 hours to avoid impulse buys. Additional tips include saving an emergency fund, paying down high-interest debt, lowering utility costs, saving on groceries through meal planning and gardening, and reducing entertainment costs by enjoying free library resources and staying in more. Making changes together can help families increase savings and limit wasteful spending during difficult financial times.
This document provides tips for saving money to put towards Christmas expenses. It recommends creating a yearly budget that accounts for all incoming and outgoing funds, including setting aside a specific amount each month to save for Christmas. It then gives suggestions for cutting back spending without compromising essentials, such as making grocery lists and buying generic brands, lowering utility costs by changing habits, and finding cheaper alternatives to dining out and entertainment. The overall goal is to shift spending toward building a Christmas fund throughout the year.
The document provides a list of 14 tips across 8 sections for reducing expenses and generating additional income during a furlough or period of financial hardship. The tips include assessing debts and creating a budget, selling unused large items, reducing subscription services, decreasing energy and transportation costs, reducing entertainment spending, adjusting tax withholdings, and establishing an emergency savings fund. It recommends consulting with an accountant before making major financial changes.
The document discusses various strategies for saving money as a consumer. It suggests making lists before shopping, buying generic brands instead of name brands, using coupons, and shopping at discount stores to save on groceries. Driving a fuel-efficient car, checking gas prices, and maintaining reasonable home temperatures can also save money on transportation and utility costs. With careful planning and consideration of long-term savings, consumers can accumulate significant savings over time.
This document provides information about home buying and financing, health, travel safety tips, recipes, and other lifestyle topics. It includes strategies for saving money on groceries, tips for preventing job burnout, and ways to finance a home remodeling project. The document consists of short articles and advertisements from a monthly newsletter.
14 hvac maintenance tips edens air conditioner heatingRobben11
油
Discover simple tips to help you maintain your hvac unit. If you live in the Texarkana area and are looking for an experienced and affordable HVAC company, we can help! We provide residential and commercial services to Texarkana and up to 100 miles radius. Same day service available!
Edens Air Conditioner & Heating
205 Meadows Rd
Texarkana, AR 71854
(903) 742-4066
http://texarkanaacrepair.com
This document provides tips for managing a budget and saving money. It recommends tracking income from all sources as well as money going towards savings, unavoidable costs like rent and utilities, and discretionary spending. Creating a budget with categories like housing, transportation, food, insurance, education, and entertainment can help avoid overspending. It's important to first allot money towards fixed costs, then savings, food, clothing, and leisure, using any leftover funds for additional savings or fun activities. The document also offers tips for smart shopping, lowering utility bills, paying bills on time, and reducing unnecessary spending. With practice, developing good financial habits can become natural.
Money Saving Is The Most Common Question But Still People Are Finding The Different Kinds of Ways, This Presentation Will Guide You Some of The Saving Money Tips & Ways That Really Help You To Develop Your Financial Status.
12 tips that help to you make money during the coronavirusCharlotteERiggins
油
Whether you believe the hysteria surrounding the Coronavirus pandemic or not, one thing is sure:
The Coronavirus is impacting countless households when it comes to finances.
Those who are brave enough to check the status of their 401K accounts have seen steady drops. Investors are scrambling. Events are canceled for the foreseeable future. However, the people hit hardest might be the people who face lay-offs and job uncertainty; the people who work in the everyday sectors.
Shops, restaurants, small businesses, and just about everything else are closing their doors in the wake of the COVID-19 pandemic.
This document provides 20 tips for saving money during the winter months. Some of the key tips include starting a spending diary to identify wasteful spending, setting up direct debits and standing orders to pay bills automatically and get discounts, recycling old electronics and gadgets for cash, getting haircuts from student hairdressers for cheaper prices, and writing a budget to understand income and spending. The document encourages finding ways to save on bills, shopping smart, and treating yourself occasionally while sticking to a budget.
Great Advice For Handling Your Personal Financesdaddycat08
油
This article provides numerous tips for managing personal finances better. Some suggestions include selling unused household items for extra cash, reducing energy costs by decluttering and painting the roof white, avoiding credit cards to eliminate interest fees, rearranging bill due dates to spread them out, cooking at home instead of eating out to save money on food costs, using the library instead of buying books, developing multiple income streams, buying generic products, and freezing credit cards in water to resist impulse spending. The overall advice is to take control of finances in achievable steps without feeling overwhelmed.
This article provides numerous tips for managing personal finances better. Some suggestions include selling unused household items for extra cash, reducing energy costs by decluttering and painting the roof white, avoiding credit cards to eliminate interest fees, rearranging bill due dates to spread them out, cooking at home instead of eating out to save money on food costs, using the library instead of buying books, developing diverse income streams, buying generic products, and freezing credit cards in ice to resist impulse spending. The overall advice is to not feel overwhelmed when improving personal finances and to start with small, achievable steps.
This document provides advice and guidance to kids on learning money management skills. It discusses the importance of setting short-term and long-term financial goals and creating a budget. It also covers topics like allowances, saving money, spending money, borrowing money responsibly, and exploring career options. The overall message is that practicing good money habits from a young age by learning to budget, save, and spend wisely will help kids become confident managing money as they grow up.
The document provides information on money management and budgeting. It defines key terms like needs versus wants, assets and liabilities for calculating net worth. It explains that a budget is a plan for spending, saving and tracking expenses. The document outlines steps for creating a budget like tracking spending, figuring out income and expenses, paying yourself first and building an emergency fund. It also gives tips for cutting expenses and increasing income.
Terry Brett, a finance manager and retiree, discusses personal finance topics such as budgeting, savings, credit cards, and frugality. He emphasizes the importance of creating a budget or spending plan to track income and expenses. This allows people to save for goals and emergencies. Brett notes savings should be a fixed cost in a budget. Creating and following a budget can help people gain financial control and confidence.
The document provides tips for saving money and getting organized. It recommends investigating higher-yielding savings accounts online and opening a retirement account to take advantage of compound interest. It also suggests negotiating deals when possible, submitting rebates and coupons, and avoiding fees by knowing your credit card contract terms. Additional money-saving tips include using libraries for entertainment, air-drying clothes, eating off kids' menus, checking for unclaimed funds, and employing strategies to prevent impulse purchases.
10 quick easy tips for everyday life to help you and your family live greener, healthier and save money too. Living a more sustainable lifestyle ensures a better future for our family and our world.
Here are some of the best ways to save money fast. Many people struggle to save money and therefore struggle in times of emergencies and also fail to save for major projects.
https://maestrack.com/best-ways-to-save-money-fast/
Daily Spending Diary discusses the importance of keeping a daily spending diary to monitor expenses, stick to a budget, and gain control over finances. It recommends writing down common monthly expenses, subtracting that from monthly income to determine money available to spend wisely. Keeping a detailed record of daily, weekly, and monthly spending allows staying within means. Reducing spending habits like unnecessary shopping and paying more than minimums on debts improves finances and life outlook over the long term. Financial planning including minimizing expenses through substitutions, planning free activities, and avoiding credit use can strengthen financial security during unpredictable economic times.
This document provides tips for saving money to put towards Christmas expenses. It recommends creating a yearly budget that accounts for all incoming and outgoing funds, including setting aside a specific amount each month to save for Christmas. It then gives suggestions for cutting back spending without compromising essentials, such as making grocery lists and buying generic brands, lowering utility costs by changing habits, and finding cheaper alternatives to dining out and entertainment. The overall goal is to shift spending toward building a Christmas fund throughout the year.
The document provides a list of 14 tips across 8 sections for reducing expenses and generating additional income during a furlough or period of financial hardship. The tips include assessing debts and creating a budget, selling unused large items, reducing subscription services, decreasing energy and transportation costs, reducing entertainment spending, adjusting tax withholdings, and establishing an emergency savings fund. It recommends consulting with an accountant before making major financial changes.
The document discusses various strategies for saving money as a consumer. It suggests making lists before shopping, buying generic brands instead of name brands, using coupons, and shopping at discount stores to save on groceries. Driving a fuel-efficient car, checking gas prices, and maintaining reasonable home temperatures can also save money on transportation and utility costs. With careful planning and consideration of long-term savings, consumers can accumulate significant savings over time.
This document provides information about home buying and financing, health, travel safety tips, recipes, and other lifestyle topics. It includes strategies for saving money on groceries, tips for preventing job burnout, and ways to finance a home remodeling project. The document consists of short articles and advertisements from a monthly newsletter.
14 hvac maintenance tips edens air conditioner heatingRobben11
油
Discover simple tips to help you maintain your hvac unit. If you live in the Texarkana area and are looking for an experienced and affordable HVAC company, we can help! We provide residential and commercial services to Texarkana and up to 100 miles radius. Same day service available!
Edens Air Conditioner & Heating
205 Meadows Rd
Texarkana, AR 71854
(903) 742-4066
http://texarkanaacrepair.com
This document provides tips for managing a budget and saving money. It recommends tracking income from all sources as well as money going towards savings, unavoidable costs like rent and utilities, and discretionary spending. Creating a budget with categories like housing, transportation, food, insurance, education, and entertainment can help avoid overspending. It's important to first allot money towards fixed costs, then savings, food, clothing, and leisure, using any leftover funds for additional savings or fun activities. The document also offers tips for smart shopping, lowering utility bills, paying bills on time, and reducing unnecessary spending. With practice, developing good financial habits can become natural.
Money Saving Is The Most Common Question But Still People Are Finding The Different Kinds of Ways, This Presentation Will Guide You Some of The Saving Money Tips & Ways That Really Help You To Develop Your Financial Status.
12 tips that help to you make money during the coronavirusCharlotteERiggins
油
Whether you believe the hysteria surrounding the Coronavirus pandemic or not, one thing is sure:
The Coronavirus is impacting countless households when it comes to finances.
Those who are brave enough to check the status of their 401K accounts have seen steady drops. Investors are scrambling. Events are canceled for the foreseeable future. However, the people hit hardest might be the people who face lay-offs and job uncertainty; the people who work in the everyday sectors.
Shops, restaurants, small businesses, and just about everything else are closing their doors in the wake of the COVID-19 pandemic.
This document provides 20 tips for saving money during the winter months. Some of the key tips include starting a spending diary to identify wasteful spending, setting up direct debits and standing orders to pay bills automatically and get discounts, recycling old electronics and gadgets for cash, getting haircuts from student hairdressers for cheaper prices, and writing a budget to understand income and spending. The document encourages finding ways to save on bills, shopping smart, and treating yourself occasionally while sticking to a budget.
Great Advice For Handling Your Personal Financesdaddycat08
油
This article provides numerous tips for managing personal finances better. Some suggestions include selling unused household items for extra cash, reducing energy costs by decluttering and painting the roof white, avoiding credit cards to eliminate interest fees, rearranging bill due dates to spread them out, cooking at home instead of eating out to save money on food costs, using the library instead of buying books, developing multiple income streams, buying generic products, and freezing credit cards in water to resist impulse spending. The overall advice is to take control of finances in achievable steps without feeling overwhelmed.
This article provides numerous tips for managing personal finances better. Some suggestions include selling unused household items for extra cash, reducing energy costs by decluttering and painting the roof white, avoiding credit cards to eliminate interest fees, rearranging bill due dates to spread them out, cooking at home instead of eating out to save money on food costs, using the library instead of buying books, developing diverse income streams, buying generic products, and freezing credit cards in ice to resist impulse spending. The overall advice is to not feel overwhelmed when improving personal finances and to start with small, achievable steps.
This document provides advice and guidance to kids on learning money management skills. It discusses the importance of setting short-term and long-term financial goals and creating a budget. It also covers topics like allowances, saving money, spending money, borrowing money responsibly, and exploring career options. The overall message is that practicing good money habits from a young age by learning to budget, save, and spend wisely will help kids become confident managing money as they grow up.
The document provides information on money management and budgeting. It defines key terms like needs versus wants, assets and liabilities for calculating net worth. It explains that a budget is a plan for spending, saving and tracking expenses. The document outlines steps for creating a budget like tracking spending, figuring out income and expenses, paying yourself first and building an emergency fund. It also gives tips for cutting expenses and increasing income.
Terry Brett, a finance manager and retiree, discusses personal finance topics such as budgeting, savings, credit cards, and frugality. He emphasizes the importance of creating a budget or spending plan to track income and expenses. This allows people to save for goals and emergencies. Brett notes savings should be a fixed cost in a budget. Creating and following a budget can help people gain financial control and confidence.
The document provides tips for saving money and getting organized. It recommends investigating higher-yielding savings accounts online and opening a retirement account to take advantage of compound interest. It also suggests negotiating deals when possible, submitting rebates and coupons, and avoiding fees by knowing your credit card contract terms. Additional money-saving tips include using libraries for entertainment, air-drying clothes, eating off kids' menus, checking for unclaimed funds, and employing strategies to prevent impulse purchases.
10 quick easy tips for everyday life to help you and your family live greener, healthier and save money too. Living a more sustainable lifestyle ensures a better future for our family and our world.
Here are some of the best ways to save money fast. Many people struggle to save money and therefore struggle in times of emergencies and also fail to save for major projects.
https://maestrack.com/best-ways-to-save-money-fast/
Daily Spending Diary discusses the importance of keeping a daily spending diary to monitor expenses, stick to a budget, and gain control over finances. It recommends writing down common monthly expenses, subtracting that from monthly income to determine money available to spend wisely. Keeping a detailed record of daily, weekly, and monthly spending allows staying within means. Reducing spending habits like unnecessary shopping and paying more than minimums on debts improves finances and life outlook over the long term. Financial planning including minimizing expenses through substitutions, planning free activities, and avoiding credit use can strengthen financial security during unpredictable economic times.
Did you know that November is Financial Literacy Month across Canada? Financial Literacy is a very important skill as it allows you to manage your money and make informed daily decisions with your finances.
Connectez vous la litt辿ratie financi竪re 2013Monnaie Money
油
Pour souligner l'importance et la sensibilisation de la litt辿ratie financi竪re, Connectez-vous la litt辿ratie financi竪re 2013. Cest un 辿v竪nement pour accroitre la sensibilisation la litt辿ratie financi竪re au grand public dans la province du Qu辿bec. Vendredi le 22 novembre 2013 la Grande Biblioth竪que, 475, boulevard de Maisonneuve Est, Salle M.450.
Ce concours est ouvert tous les jeunes entre 12 et 35 ans, habitant la province du Qu辿bec. Seules les vid辿os envoy辿es pendant la p辿riode de soumission seront retenu pour le concours.
Monnaie Money - Bulletin Mai 2013. Nouvelles et conseils pour une meilleure gestion de l'argent et de la litt辿ratie financi竪re.
Projet d辿ducation financi竪re - Monnaie Money - UQAM PresentationMonnaie Money
油
Monnaie Monney cherche promouvoir la litt辿racie financi竪re aupr竪s des minorit辿s visibles, des jeunes, des a樽n辿s et des familles monoparentales. En sensibilisant la communaut辿 montr辿alaise, par le biais de partenariats, ce projet vise d辿velopper la confiance et les capacit辿s de leadership pour qu辿mergent des d辿cideurs dans cette communaut辿.
The Monnaie Money April 2013 Newsletter. News and tips for better money management and financial literacy.
Coordonnateur du projet Monnaie-Money gagne prix dexcellence 辿ducation finan...Monnaie Money
油
M. Brian Smith, coordonnateur de projet au Carrefour jeunesse-emploi de C担te-des-Neiges, un organisme communautaire d'employabilit辿 oeuvrant aupr竪s des jeunes Montr辿al, Qu辿bec, Canada, a 辿t辿 r辿cipiendaire du prix dexcellence ducation financi竪re ducateur, d辿cern辿 ce soir, Orlando, en Floride par lInstitut de la Litt辿ratie Financi竪re.
Monnaie Money Coordinator Earns Excellence In Financial Literacy AwardMonnaie Money
油
Mr. Brian Smith, Project Coordinator from the Carrefour jeunesse-emploi de C担te-des-Neiges, a community charitable organization in Montreal, Quebec, Canada that assist youth with employment, was awarded with the Excellence In Financial Literacy Education Award Educator, presented by the Institute of Financial Literacy. The presentation was made at their Annual Conference on Financial Education held in Orlando, Florida.
Paper: The World Game (s) Great Redesign.pdfSteven McGee
油
Paper: The Great Redesign of The World Game (s): Equitable, Ethical, Eco Economic Epochs for programmable money, economy, big data, artificial intelligence , quantum computing.. federation, federated liquidity e.g., the "JP Morgan - Knickerbocker protocol" / global unified value unit
We study the effects of gender board diversity on firm performance. We use novel and rich firm-level data covering over seven million private and public firms spanning the years 1995-2020 in Europe. We augment a standard TFP estimation with a shift-share instrument for gender board diversity. We find that increasing the share of women in the boardroom is conducive to better economic performance. The results prove robust in a variety of subsamples, and to a variety of sensitivity analyses. This outcome is driven primarily by firms from the service sector. The positive impact was stronger during the more recent years of our sample that is a period with relatively more board diversity.
APMC and E-NAM: Transforming Agricultural Markets in IndiaSunita C
油
This presentation explores the Agricultural Produce Market Committees (APMCs) and the Electronic National Agriculture Market (e-NAM), highlighting their role in improving market efficiency, price discovery, farmer empowerment, and challenges in agricultural trade and supply chain management.
Summary
The IER estimates real GDP growth at 3.5% in 2024. According to the current IER forecast, real
GDP will grow by 2.9% in 2025 and 3.2% in 2026.
According to the IER, real GDP grew by 2.0% yoy in January (by 1.6% yoy in December).
In early February, power outages began for industry and businesses during peak hours due to
russian attacks on energy infrastructure.
Naftogaz began importing gas due to a cold snap, the suspension of russian gas transit to the
EU, and shelling of gas infrastructure.
In January, Ukraine exported 6.6 m t of goods by sea and 14 m t by rail.
There was a seasonal decline in imports and a slowdown in exports in January.
In January, the government received EUR 3 bn from the EU under the ERA (Extraordinary
Revenue Acceleration) mechanism, which should be repaid from profits from russian assets
frozen in the EU.
In January, consumer inflation in annual terms further accelerated and reached 12.9% yoy.
The NBU raised the rate from 13.5% to 14.5% per annum due to further acceleration in inflation
and deterioration in inflation expectations.
The NBU's international reserves amounted to USD 43 bn at the end of January, which is slightly
less than USD 43.8 bn at the beginning of the year.
How to Perform a Cost-Benefit Analysis A Simple Step-by-Step Guide.pptxTfin Career
油
A cost-benefit analysis (CBA) is essential for anyone making business decisions, managing projects, or creating policies. It helps you evaluate how much something will cost versus the benefits you expect to gain so you can make smarter, more informed choices.
This guide will show you how to quickly conduct a cost-benefit analysis, considering an investment, a new project, or a policy change.
What is a Cost-Benefit Analysis?
A cost-benefit analysis compares a decision's costs with its benefits to determine whether the benefits are worth the costs. This process is helpful when resources are limited, and you want to make sure you are making the best decision for the future.
Example: Imagine your company is thinking about buying new software. A cost-benefit analysis would compare the price of the software to the benefits, like more productivity, lower labor costs, or better customer service. If the benefits are higher than the costs, the investment makes sense.
Step 1: Identify and List All Costs
Sometime recently, you can calculate the benefits, you are required to list all the costs included. These are coordinated or backhanded, short-term or long-term. Begin by composing down each conceivable cost.
Direct Costs: These are easy to identify because they're directly tied to the project, such as buying equipment or paying for materials.
Indirect Costs: These are secondary expenses, like administrative costs or the time needed for training.
Recurring Costs: These are ongoing costs, like maintenance or subscription fees.
Opportunity Costs: Consider what you're missing out on by choosing this option instead of another.
Example: In the software case, direct costs include the price of the software and the cost of installation and training. Indirect costs could be employees' time learning how to use the new software.
Step 2: Identify and List All Benefits
Now that you've listed all the costs, you must consider the benefits. These can be tangible (easy to measure) or intangible (more challenging but still meaningful).
Tangible Benefits: These are measurable in financial terms, like increased revenue or cost savings.
Intangible Benefits: These might be improved employee morale or customer satisfaction.
Example: The computer program might bring significant benefits, like higher productivity or diminished labor costs. Intangible benefits include ways to improve group resolve or progress client advantage.
Step 3: Quantify Costs and Benefits
Once you've identified the costs and benefits, the next step is to assign a dollar amount to each one. Some benefits, especially intangibles, may be hard to quantify, but giving them a realistic value is essential. Base your estimates on reliable data, like industry standards or expert advice.
Example: If the software costs $10,000 to purchase and $1,000 per year for maintenance, and it's expected to save $15,000 annually in labor costs, the return on investment is easily visible.
EaseMoney - A Leading Finance & Banking Platform in India | Tracxn ProfileEasemoney
油
Discover EaseMoney, a trusted finance and banking service provider in India. Our platform offers tailored financial products, including credit cards, savings accounts, loans, and investment opportunities. We collaborate with nationalized banks like SBI, Bank of Baroda, and PNB to deliver seamless financial solutions. Explore our Tracxn profile to learn more about our services, coverage areas, and future growth prospects.
.
Visit: easemoney.in
Connect: Twitter | Facebook
Report Date: February 25, 2025
INDUSTRIAL ESTATES IN TAMIL NADU by Dr. S. MaliniMaliniHariraj
油
Tamil Nadu is a leading industrial hub in India, attracting foreign investment due to its strong infrastructure, logistics, and diverse manufacturing sector, including automobiles, aerospace, pharmaceuticals, textiles, electronics, and chemicals. The state has the second-highest GDP in India and houses the largest number of factory units (37,220), contributing 20% of Indias electronics production. It has a high concentration of Special Economic Zones (SEZs), accounting for one-third of the states exports, with key industrial estates like **Ambattur, Sriperumbudur, and Oragadam**. The **Tamil Nadu Small Industries Development Corporation (TANSIDCO)**, established in 1970, supports **MSMEs** by maintaining **41 Government Industrial Estates and 87 TANSIDCO Industrial Estates**, offering developed plots (5 cents to 1 acre) and various support services such as cluster development, technical guidance, and raw material assistance. Notable industrial estates include **Ambattur (one of Asias largest MSME hubs), Guindy (Indias first industrial estate), Sriperumbudur (home to Hyundai, Foxconn, and Samsung), Oragadam (major automotive hub), Irungattukottai (Renault-Nissan, BMW), and Vallam Vadagal (aerospace and defense industries).** These estates provide world-class infrastructure, including **reliable power, developed plots, common facility centers, strong connectivity (highways, ports, airports), 24/7 security, water supply, stormwater drains, sewage systems, green belts, and parks**, fostering a robust environment for industrial growth.
Certainties that are changing.Feb25.AM.ENG.docx.pdfAndrea Mennillo
油
Nothings sure about tomorrow, wrote Lorenzo de Medici more than five centuries ago, in an attempt to stop time and harness the energy of youth. Energy that seems more valuable than ever today. Not necessarily or not only due to the demographic shift, but because of the demands of enterprises, the economy and our own lives.
How Your Income Sources Affect Your Tax Bill - Raines & Fischer, LLPRaines & Fischer, LLP
油
Understanding how your retirement income is taxed can help you avoid unexpected tax bills and maximize your savings. How Your Income Sources Affect Your Tax Bill by Raines & Fischer, LLP explains how Social Security, pensions, and withdrawals from retirement accounts are taxed at both the federal and state level. It covers which states offer tax-friendly retirement benefits, why strategic withdrawals matter, and how to minimize taxes while maintaining financial security. Whether you're planning for retirement or already retired, this guide helps you make informed decisions to keep more of your money.
3. Workshop Program
RECAP from last workshop
Fighting Fraud (Part2)
- Money bills counterfeiting
- Cheque and money order fraud
BREAKTIME
Summertime savings
4. What did we learn?
TOPICS COVERED
- Budgeting, Income planning, real life unexpected
situations, retirement
What have you done with the papers that we had
distributed?
Have your changed some of your habits or paid more
attention to your spending since the last workshop?
5. Fraud Prevention Month
Definition of fraud: Dishonest act done
with the intention to dupe someone by
cheating laws or regulations.
Millions of Canadians become victims of fraud each
year. Knowing how to recognize a fraud is the best
way to escape from it!
6. Types of Frauds
Identity theft (paper or internet)
Debit and credit cards
Fake money bills
Checks and money orders
Email or text messages
12. Set Your Budget
In order to wisely save for your summer plans, you
have to set a budget. Even though you may not
have solid plans as of yet, start knowing what
things cost and keep track of prices. Once you know
how much you might be spending, you can start
saving for the expenditure.
What kind of special activities do you enjoy during
summer?
13. Make A Few Sacrifices
Not going out with friends to movies or clubs as
much as you want to
Avoiding buying new clothing or shoes even if
there are great sales to take advantage of
Delaying the purchase of electronic products until
the Fall months
Making your own lunch or eating at home instead
of at a restaurant with friends
14. Cook out. Using the stove or baking in the oven creates a lot of excess
heat in your house and uses much electricity. Consider taking time to
light up the barbecue grill outside so that you can keep your house
cooler.
Dry laundry outside. If you have the ability to hang up laundry
outside, let the sun and warm summer breeze do the drying for you.
Even if you cant hang up clothes outside, try partially drying your
clothes and letting the air dry the rest.
Garden up. As summer begins , it is a perfect time to be on the
lookout for plant sales. Growing up your own vegetables and fruits is
not only healthier for the body, but it also save you money.
15. Enjoy the great outdoors. Try camping instead of booking a resort. It
can cost a fraction of the cost of a traditional vacation and it will be an
unique experience you will remember. Check National Park Services
and look for a safe campsite near you.
Ditch Your Car. With rising gas prices and nice weather, how much
money could you save if you walk, bike or carpool to work? This may
take some adjustment and planning ahead to change habits but you
will save money and get in a good work out. Nothing like doing
groceries by bike!