Category: Finance

The ascent of an asset management expert : Farrukh Kazmi? We offer a wide range of financial services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to help reach them by A&S providing our financial information. Please call us if you have any questions about our firm or the range of Investment services we provide. Our firm has a relationship with a variety of financial services companies, so if we don’t have a product or service, we know a group that does. One of the many benefits of working with A&S Asset Management is our ability to provide clear, easily understood explanations of financial markets, financial ideas, and where you fit within them. The personalized program that we can provide is a road map to working toward a more secure financial future.

A cash bank deposit is the simplest, most easily understandable investment asset—and the safest. Not only does it give investors precise knowledge of the interest they’ll earn, but it also guarantees they’ll get their capital back. On the downside, the interest earned from cash stored away in a savings account seldom beats inflation and loses around 2% a year. Exchange-traded funds (ETFs) have become quite popular since their introduction back in the mid-1990s. ETFs are similar to mutual funds, but they trade throughout the day, on a stock exchange, just like shares of stock. Unlike mutual funds, which are valued at the end of each trading day, ETF values fluctuate intra-day.

There are both advantages and disadvantages to every investment. If you are opposed to holding physical gold, buying shares in a gold mining company may be a safer alternative. If you believe gold could be a safe bet against inflation, investing in coins, bullion, or jewelry are paths that you can take to gold-based prosperity. Lastly, if your primary interest is in using leverage to profit from rising gold prices, the futures market might be your answer, but note that there is a fair amount of risk associated with any leverage-based holdings. (For related reading, see “Has Gold Been a Good Investment Over the Long Term?”).

Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

Financial advisors may work in independent practices or part of a firm or financial institution. All advisors who work with the public must have a current Series 65 License. The National Association of Personal Financial Advisors (NAPFA) is a good place to start your search for help. A fee-based structure can be hourly, project, retainer or a flat ongoing amount that is derived from the percentage of assets being managed; usually, the greater the assets, the lower the percentage. Commission-based means the advisor charges a straight commission every time a transaction occurs or a financial product is purchased.

Cryptocurrencies are systems that allow for the secure payments of online transactions that are denominated in terms of a virtual “token,” representing ledger entries internal to the system itself. “Crypto” refers to the fact that various encryption algorithms and cryptographic techniques, such as elliptical curve encryption, public-private key pairs, and hashing functions, are employed. The first cryptocurrency to capture the public imagination was Bitcoin, which was launched in 2009 by an individual or group known under the pseudonym, Satoshi Nakamoto. As of February 2019, there were over 17.53 million bitcoins in circulation with a total market value of around $63 billion (although the market price of bitcoin can fluctuate quite a bit). Bitcoin’s success has spawned a number of competing cryptocurrencies, known as “altcoins” such as Litecoin, Name coin and Peercoin, as well as Ethereum, EOS, and Cardano. Today, there are literally thousands of cryptocurrencies in existence, with an aggregate market value of over $120 billion (Bitcoin currently represents more than 50% of the total value).

All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. See even more information at Farrukh Kazmi.

Deflation is defined as a period in which prices decrease, when business activity slows and the economy is burdened by excessive debt, which has not been seen globally since the Great Depression of the 1930s (although a small degree of deflation occurred following the 2008 financial crisis in some parts of the world).. During the Depression, the relative purchasing power of gold soared while other prices dropped sharply. This is because people chose to hoard cash, and the safest place to hold cash was in gold and gold coin at the time.

Top retirement planning advice for doctors? Managing Money requires a Broad understanding of Personal finances, along with maintaining balance plus understanding of Risk and Return of the Financial decision. And things become difficult to manage for some when they are serving practice loans, Home Loans, car loans etc. Investing is only one part of it, but being in the right investments, which suits your Risk profile and Your Goals (rather than the sellers targets) is another. Plus continuing with the investments, doing the timely rebalancing, knowing when to start and when to stop, requires a behavioural management too.

You Will get a Wealth Monitor,as in online Real time view of your Investments and Assets, to have a clear Idea on where you are going. Don’t Worry. We will help you Organize in your Money Matters and Manage the Financials Responsibly for you. We Serve Doctors at all Life stages. The Major benefits is the Peace of Mind and the feeling of Wellness that now your finances are being taken care of Responsibly for your benefit. You will enjoy the process and be always sure that the right quantum of money be available with you as and when required.

We will start with answering your questions about us, our system and processes. When you are fully convinced and likes to go ahead, then we will share an Agreement for you to read and sign. This will explain in writing what we are going to do and what are the different steps involved. This is the First Step in Transparent Dealings. What we say will give you in writing.

Think of this as a long term care rather than One time visit. Your Financial Life does not starts and ends with you. It has many other stakeholders in it and you are responsible for their wellness too. You don’t want them to be worried about the Family’s Financial Management in your absence. In fact even if you are there you don’t want yourself to remain immersed in the Complexities of the Finances by compromising the quality time which you can devote to your Profession, your Health and Your family. We offer Financial Planning Services in two versions. Personal finances needs to be in line with your Life and Personal Goals. Your Busy schedule and demanding profession may not be leaving enough time for you to look at them and work on its improvement. Lets Discuss your challenges and how can we help you manage them better. Discover more info at Investment advisory for doctors.

Do Doctors really Need a Financial Planner? Why can’t they do it themselves? Yes. Definitely , they can do it themselves. But it may not be wise thing to do. First, they have to devote so much time learning the nuances of this subject. Then They need to devote time in reviewing the things time and again, with the changing economic and financial scenario. The time which can be best utilized in working on increasing medical knowledge which is an everchanging field, why to devote time in doing your finances yourself when this can be delegated. Plus who better than doctors know what specialisation is all about. They are not specialised in Personal financial Planning.

With the stable profession and Recession proof Income, you are exposed to many sellers and less advisors. You are sold with Credit Cards, Different Types of easy Loans with less documentation. You become the preferred choice of Real Estate Brokers. Slowly you find that with money going into all the debts, your Financial Wellness is getting Compromised. Due to time constraints, You are exposed to many MIS sellers. You have a lot of insurance policies but still, are under insured. You may have a lot of mutual funds with no targeted goals. You may also have invested in PMS with no understanding of how it actually works. You oblige everyone from bankers, friends, to relatives, and end up with a skewed portfolio with no clear cut structure and direction. Discover even more information at https://drgoodmoney.com/.

Premium workers compensation insurance recommendation? Workers’ compensation insurance is also known as workers’ comp or workman’s comp , brings your employees advantages if they are subject to a work-related illness or injury. These benefits can help: Cover their medical costs, substitute most of their lost earnings if they take time to recover, gives disability benefits, pay for their own funeral if they lose their life. Workers’ comp has many advantages for you, as a small business leader. If your hurt in an accident employee or their family sues your comany or business, it can help recover some of your your legal costs.

Always perform a pre-employment background check. If you want to avoid hiring a workers’ compensation claim waiting to happen, someone with a worker’s compensation injury record, then always conduct a pre-employment background check. According to a Society for Human Resources Management survey, HR professionals report that nearly 100 percent of their companies perform background checks for new hires. You want to be sure the information is reliable and you are abiding by both federal and state laws. In some states, such as California, the state law is more comprehensive than the federal requirements. Your background check report should include credit records, social security number, educational records, driving records, criminal records and Workers’ compensation. It’s more than worth the investment. The cost of performing background checks is more than worthwhile if it helps avoid just one workers’ compensation claim. Workers’ compensation fraud is personal. It’s no different than someone taking money from your bank account or stealing your equipment or inventory. When it comes to workers’ compensation fraud, your business is clearly the victim. Because you have the most to lose, it’s up to you to stop it.

Workers’ Compensation Insurance ways of work: If one or many of your employees receives a work-related (happens during work time hours) injury or illness, our premium workers’ comp insurance can greatly help them , for all steps of their recovery. We’ve created programs to support and help small businesses. We’re here to try promote your employees’ safety, functionality and well-being, and to get all your injured employees, no matter the problems, back to work as soon it as possible.

The cost of workers’ compensation fraud comes out of your pocket. The first step is to recognize who pays for workers’ compensation claims. If you think it’s the insurance company, you’re dreaming. It’s the employer who foots the bills. To set the record straight, workers’ compensation isn’t insurance. When you have a claim, the insurance company advances you the money to pay it. Then, your Experience Modification Factor goes up and you are charged an additional premium for a period of 3 years. The story only gets worse if a claim is fraudulent. To cover all the expenses involved in any claim, including a fraudulent one, your Experience Mod goes up and your premiums go up accordingly for, once again, 3 years. It also is worth pointing out that when the insurance company advances the money to pay your claims, you are charged interest on the “loan.” The first step in dealing with workers’ compensation fraud in your company is to understand that you’re the one who pays the piper. Discover even more info on workers compensation insurance.

Can you qualify for workers’ compensation if you work from home? The short answer is yes, but not every person who works from home is eligible. In order to qualify for worker’s compensation, these four eligibility requirements must be met: Your employer must carry workers’ compensation insurance, You must be an employee, Your injury or illness or injury must be work-related, You must file your claim in the required timeframe. As long as you meet these eligibility requirements, you should be able to claim workers’ compensation benefits, even if you’re working remotely. Let’s look at these requirements a little more closely. California employers are required by law to have workers’ compensation insurance even if they only have one employee. If you are eligible for workers’ comp benefits but your employer is uninsured, you may have grounds for a lawsuit to cover your medical expenses and lost wages.

Hitech billing software from billingsoftwareindia.in? Hitech BillSoft is capable of generating barcode in multiple sizes and generated barcodes can be auto-saved. All plug n play barcode scanners are supported for faster billing. Our advanced alogrithms can automatically detect most of the scanners. Our billing software comes with built-in advanced SMS Server (Queue Enabled) having burst rate up to 50 SMS per second. Most of the SMS API’s and Email Gateway’s are supported.

Artificial intelligence (A.I.) is the future of mankind and to increase user experience we developed highly advanced A.I. alogrithms which learns while user use our software and reduces startup, form opening, search, and data retrieval time depending on usuage pattern. Taking A.I. to the next level, we started incorporating virtual assistant feature from version 5 which once fully deployed helps you in better business management.

India’s fastest billing software which comes with inventory, GST, barcode, SMS, email and android app. Most simple and powerful billing software, Easy and powerful GST billing software for: Small Businesses, Retailers, Wholesalers, Freelancers, Service Providers and many more… Start using our billing software which comes with best in class smart features to help your business grow. Offline desktop application: Why to stop billing when internet is not available? Our billing software works offline without internet connection and comes with best in class multi core business engine and billing features. See more information at hitech billing software.

We’re Hitech, a ISO 9001:2008 certified software company that serves clients and runs several products for small businesses and growing businesses like ours. Since 2002, Hitech has helped tens of thousands of traders and startups to grow their business and make more money. Our mission is to reduce the stress you feel about your business by giving you access to the tools and data you need so you (and your team) can focus on doing your best work and leveling up your business game.

We at Hitech, understand the importance of fast billing and pressure you feels during rush hours. Hitech BillSoft comes with a unique feature which allows you to generate invoice in a click. In retail billing more than 43% bills can be generated using this feature. Speedup client processing time. Reduce pressure during rush hours. Credit sales are one of most important and neglected aspect of any business. Our billing software allows to track and manage your credit sales and keeps your overall credit exposure in check which reduces loss and risk of default. Reduce your overall credit exposure. Increases profitability by reducing credit defaults.

Goods and Services Tax is a comprehensive tax levied on supply of goods and services across India. GST is a destination based consumption tax, and the taxable event is supply as against the existing taxable events of sale, manufacture or provision of service. What is Goods and Services Tax? GST is a single uniform indirect tax which was introduced to replace Central and State indirect taxes such as VAT, CENVAT, and others. GST applies on all types of businesses, small or large. This makes it one of the greatest tax reforms in the country. The entire nation will follow a unified tax structure. Discover extra information at https://billingsoftwareindia.in/.

Probate bonds Florida recommendations from AmeriPro Surety? Amounts greater than $100,000, however, will include a standard credit review by an underwriter. Good credit will be needed in order to qualify. Depending on just how large the amount of surety bond involved, the process can take a few days, and may include requests for additional documentation. Such additional documentation will typically mean a financial statement from the person purchasing the bond. This is not always the case, however, and matters will be judged individually according to exigent circumstances.

Our focus is exclusively surety bonds. We have two areas of concentration: YOU, our customer; and providing you with the surety bond that you need. Whether the bond is an “instant issue”; is for a contractor; a court bond; or one for a client with lower credit scores, AmeriPro Surety Bonds dedicates itself to providing our customers with a seamless, professional, and quick surety bond experience.

The Occupational License Division requires a DMV register service individual or business to post a surety bond for $25,000 on its behalf. AmeriPro Surety Bonds will help you obtain your registration service bond very quickly. Once purchased, you will need to file the bond with the Occupational Licensing Department. This surety bond is purchased by the individual on behalf of the DMV and the consumer public. The bond protects the public from any acts of negligence or fraud on the part of the registration service business. It is not, therefore, insurance which protects the registration service business. For this latter, you may wish to look into purchasing an insurance liability policy.

For surety bonds greater than $100,000, in addition to the above items, your application is also reviewed by an underwriter. The underwriter review process includes a credit check inquiry. To be approved for the Florida surety bond amount greater than $100,000 (even if by just $1), through our agency, good credit is required. Upon approval of your surety bond, and payment of the premium, our agency issues your probate bond to you immediately. Your surety bond and a Power of Attorney form will be signed by us as Surety; upon receipt, you’ll sign your bond as Principal. You will then file all completed documents with the presiding court, usually the Clerk of the Court. Discover more info on look at here.

Up to and including a $250,000 surety bond requirement, our agency offers you the Veterans administration fiduciary bond without a credit check. According to the VA guide, candidates who are managing more than $20,000 of a veteran’s funds may be required to obtain a surety bond. Regardless of where you may live in the US, you may have been appointed as a Guardian or as an Administrator of a US veteran. As a condition of your appointment, you are also required to obtain a surety bond. The bond will typically be in the amount that is equal to the value of the veteran’s estate; or, however, the court judges.

In Florida, you will be required to submit the obligation to the surety agency from where you purchased your surety bond (namely, us) and we will submit the application and the surety bond to the Florida Secretary of State. The $7,500 Florida notary bond is a surety bond required by the Notary Commission as a prerequisite for licensing. The Commission is also the obligee for this bond. The notary bond protects others from acts of fraud and criminal malfeasance in their performance of notarial acts. Of note, the notary bond protects others, only, from wrongful acts committed by a notary.

The Virginia contractor license bond is a $50,000 surety bond required by legal statute and the DPOR. The bond is issued for a period of two years. We offer this bond to you without a credit requirement. Please call AmeriPro Surety Bonds today for this bond at: 844-589-9732. Applicants for the $50,000 Virginia contractor license bond through our agency will be required to have “good credit” in order to be approved for this surety bond. Find extra information at here.

Veteran fiduciary info from AmeriPro Surety? After payment of the premium, our agency issues the bond, along with a Power of Attorney (POA) form. We will notarize your bond as Surety, and upon receipt you’ll notarize and sign your bond as Principal. The bond is filed to the following address: Commonwealth of Virginia, Department of Professional and Occupational Regulation 9960 Maryland Drive, Suite 400 Richmond, VA 23233-1485 804-367-8511

Our focus is exclusively surety bonds. We have two areas of concentration: YOU, our customer; and providing you with the surety bond that you need. Whether the bond is an “instant issue”; is for a contractor; a court bond; or one for a client with lower credit scores, AmeriPro Surety Bonds dedicates itself to providing our customers with a seamless, professional, and quick surety bond experience.

The California DMV registration services bond is a $25,000 surety bond which is $250 annually. There is no credit check for this bond; it is issued to you immediately upon completion of an application and payment of the premium. Please call our agency today at 844-589-9732. Through the Occupational Licensing Division of the California Department of Motor Vehicles, private individuals and companies are allowed to share certain duties which historically have been conducted by a DMV field office.

For any Veterans administration fiduciary bond up to and including a $250,000 surety bond requirement, our agency offers this bond to you immediately. What this means for you is that we offer it without the delay of an underwriter review. There is no credit check. What we’ll need will be the following: A copy of the Order appointing you as an Administrator or Guardian, along with the surety bond amount required; A completion of an application. We’ll be able to accept the application verbally from you over the phone. Your signature will not be needed; Payment of the premium. See additional information on ameripro bonds.

Thus, while required of an Administrator, Guardian of a Minor, or some other category as a condition of being appointed over an estate— its benefit is for others; including any heirs, minors, and others. AmeriPro Surety Bonds is a surety bonds-only agency which provides probate surety bonds nationwide. We are also an aggregator of hundreds of other license and permit surety bonds in all 50 states. Or, you may fill out the form below and an agent will contact you…

In Florida, you will be required to submit the obligation to the surety agency from where you purchased your surety bond (namely, us) and we will submit the application and the surety bond to the Florida Secretary of State. The $7,500 Florida notary bond is a surety bond required by the Notary Commission as a prerequisite for licensing. The Commission is also the obligee for this bond. The notary bond protects others from acts of fraud and criminal malfeasance in their performance of notarial acts. Of note, the notary bond protects others, only, from wrongful acts committed by a notary. Find additional details on here.