Roberts Sam


Vital Strategies For Successful Capital Raising In Investment Banking

Business leaders often face circumstances that require more upfront capital investment than the company can generate internally. In these cases, the company can raise capital from outside investors to meet its objectives.

Investment bankers play a critical role in the broader economy by matching those selling securities with investors, thereby adding liquidity to markets. This makes financial development more efficient and helps businesses grow.

1. Identifying the Right Investors

The capital raising investment banking process can be time-consuming and complex. It requires proper planning and preparation, identifying possible investors, pitching your business, and negotiating terms. It’s important to understand the various financing options and how they differ from each other so you can choose the best one for your company.

Investors want to see a plan for how your company will achieve its objectives and what return they’ll receive in exchange for their investment. This should include financial projections, as well as a detailed description of the current state and potential future of your business.

The top motives for companies to raise capital are mergers and acquisitions, debt financing, the purchase of fixed assets, and expansion into new markets. A successful capital raising strategy involves maintaining a collaborative relationship with investors and providing them with regular updates on the company’s progress. This can help to build trust and increase the chances of getting the desired funding.

2. Developing a Strategy

Investment banks are middlemen between companies that want to issue new securities (like stocks or bonds) and the investing public. Investment bankers buy the shares at a discounted price and sell them on the market at a higher markup, generating profit for their employers. This is called underwriting. Investment bankers often work as part of a syndicate, with several other investment firms, to underwrite an offering so that their risk is spread out.

A private company may see a strategic opportunity that requires significant upfront capital investment – more than the business can generate internally. It might seek out outside investors to fill the gap. Investors look at your business plan, your liquidity and your financial statements to decide how much capital they can invest or loan you. They want to know how you intend to use the capital and approximately when you will reach your business goals. They also want to be sure that you can repay them in a timely manner.

3. Developing a Relationship

Investors want to invest in a company that has a clear vision and strong leadership. Demonstrate your expertise and show that you are a thoughtful partner by responding promptly to questions and suggestions.

Investment banks help companies and government organizations raise funds by selling securities – shares or bonds – to investors such as high net worth individuals or pension funds. The proceeds from these sales enable a company to fund large projects, such as an expansion into a new market or research and development.

A major aspect of investment banking involves underwriting, where a bank estimates how much a security might be demanded by investors and then issues it for sale at that price. This can involve evaluating current market conditions, assessing investor appetite and experience, comparing offerings in similar markets and benchmarking. It also involves creating financial models to help inform the client’s decision making. Some investment banks trade on their own accounts to generate in-house profit, which presents a potential conflict of interest.

4. Developing a Plan

An investment banker is an expert in advising clients on the best way to raise capital. This process involves a complex mix of factors and requires careful consideration. Having a roadmap for your fundraising journey will help you avoid the many pitfalls along the way.

Suppose that your business has spotted an opportunity that will propel its growth into the future, but it requires a substantial upfront capital investment – more than you can generate internally. In this case, you may choose to raise additional funding through venture capital in return for equity in your company.

An investment banker acts as a middleman between companies that want to issue new securities and investors that wish to purchase them. During underwriting, investment bankers determine the riskiness and market demand for a stock or bond offering before it is published. They then compile a list of orders at specific prices, called a book of demand, and allocate securities to institutional investors.

read more

How to build an emergency fund using an SIP and calculate its returns?

An exigency fund is a crucial corpus that rescues in critical scenarios like job loss, accident, or any unforeseeable exigency, which need immediate monetary assistance or simple and hassle-free fund access. This is a backup you can fall on in times of financial crisis or any unforeseen situations. Here’s how you can create your exigency fund using an SIP and the measure you must adopt to compute its returns.

How much emergency fund you must create?

Every individual has distinct financial requirements. Before computing the exigency fund that you require, it is crucial for you to compute the minimal amount you would need to get through unavoidable monthly expenditures. This must involve home rent, utility bills, loan instalments, etc. Make sure that you do not involve avoidable expenditures like travel, movies, dining, etc. while computing your exigency fund requirement. Only include your monthly mandatory requirements. Once you are aware of your monthly mandatory expenditures, try and create an emergency fund that can assist you to survive at least six months if you receive no income

Where should you keep your exigency fund?

Once you have finalised your emergency fund requirement, begin working towards it. To invest to form your emergency fund, you must invest in the SIP mode in liquid funds. This is because liquid funds provide high liquidity, capital protection and better returns than other fixed income instruments like savings bank accounts, recurring deposits, or fixed deposits. Note that to compute your monthly investment to form your exigency fund, you must use an online SIP calculator. All you must do is input your overall emergency fund requirement, assumed interest rate and preferable time horizon to attain this goal. Once you input all these figures, the monthly investment requirement will be displayed instantly on the SIP investment calculator. Based on this figure, you must begin with your investment for your emergency fund. In case you are unable to understand this, read this example to get an idea.

Suppose you require an emergency fund of Rs 5 lakh within a time horizon of 2 years at an assumed rate of return of 8 per cent per annum. Now, if you input these figures into the online mutual fund investment calculator, you will find, you require to invest a monthly SIP amount of Rs 19,280 over 2 years to accumulate an emergency fund of Rs 5 lakh.

Ending note

In present times, many strive to attain financial independence before reaching the age of retirement. While this requires a fair amount of strategic investment and planning, it all starts with forming a contingency fund that can take good care of all your unplanned expenditures in the upcoming times. While it appears extravagant during usual times, during financial emergencies, it can extremely be advantageous. So, if you have not planned your emergency fund requirement, ensure to begin as soon as possible.

read more

Easing Your Mind With Monthly Instalments Slick Cash Loan

Installment loans are made to help customers in times of unplanned financial need. They are a quick, simple, and hassle-free way to get cash to pay for all of your unanticipated financial needs. They are a great solution to all of your financial issues. Online installment loans instant approval – slick cash loan have been a way to borrow money for a short period and pay it back over time.

Make You Feel At Peace

The loan payments are taken out of your salary in equal installments until the total amount is repaid. Over the whole payback period, the installments remain constant. It indicates that the loan repayments will be OK with your budget. It is because that predictable installments and a set repayment date will always make you feel at peace.

Slick Cash Loans in the USA provide this loan arrangement. They will undoubtedly accommodate your monthly payment plan by aligning the loan amount due date with your salary day. They will provide automatic withdrawals, let you know when your payments are due, and give you access to an online account to check your loan account.

Major Benefits Offered

These loans’ accessibility is one of their key benefits. The only thing a borrower needs to do is visit their website and fill out the online application. If you fulfill their minimal requirements, the personal loans are immediately placed into your bank account. The entire procedure comprises online applications, loan verifications, and loan approvals. Slick Cash Loans in the USA are kind and will help you if you encounter any application process issues.

These loans don’t require paperwork or a visit to their office in person. Also, they offer the borrower easy and reasonable repayment choices with which they are completely delighted. You can expand the repayment alternatives to fit your timetable. These loans are very well-liked in the USA, especially among employed ones, because there are no fees for early repayment.

What Is The Ideal Source For Seeking Installment Loans?

The internet is the ideal resource to use when looking for quick cash to meet your financial responsibilities. Slick Cash Loans provide a basic loan application form that you may complete quickly, easily, and comfortably. The loan amounts were automatically paid into your account once the data you provided has been confirmed and is believed to be accurate. It is wise to carefully study and ensure that you understand the conditions and requirements of the loan approval before completing the application form.

The loan amounts must be deposited into the bank account. The funding is placed directly in your bank account shortly after you apply or a few hours later if you meet all their standards. After receiving your loan amount, the repayment period is typically between five and fifteen days long.

Fees Associated With Installment Loans

The increased interest rate and other fees associated with installment loans are their only drawbacks. If not, the funds are made available within a banking day or a few hours after your request is granted.

read more

Travel to Maldives Post-Pandemic: A Revenge Traveller’s Guide

People want to travel more than ever because of the pent-up demand for leisure travel, the new hybrid work environments, and the money saved by families during the pandemic. Vacations have now become more than a necessity. As you pack your belongings, remember to pack travel insurance from a known company like Bajaj Allianz travel insurance.

Revenge travel: A new trend

There is a new trend among travellers, and it is called “revenge travel.” It does sound like something violent, but it’s not. Revenge travel results from the travel industry’s lockdown and restrictions during the pandemic.

India seems to have a strong travel culture, as people are getting ready to visit nearby vacation spots to get back to travel. But travellers aren’t as eager as they used to be to meet new people and learn about other cultures. Today, it’s all about finding easy on the pocket, quiet and peaceful places to visit.

Maldives: A favourite among Indians

Tourism in Maldives has seen a boom after the pandemic because it is a relaxed place for a vacation, especially for people from India. Maldives is one place close to India where honeymooners and families do not mind spending extra to enjoy luxury.

There are direct flights to the destination, on-arrival visas, beautiful resorts, and lots of fun things to do. A Maldives travel insurance would be extremely helpful in case of any emergencies.

Why is Maldives such a popular place to go on vacation?

  • Known as the perfect place for nature lovers
  • Visitors can enjoy an unmatched luxury
  • The huge amount of sea life
  • The best romantic getaway
  • Privacy, space, and security
  • The resort experience
  • Adventure activities (water sports)
  • Delicious Maldivian food
  • Economy and proximity

What to expect?

The Maldives is home to fascinating landmarks and offers various exhilarating adventure sports to partake in, making it one of the most exciting tourist destinations in the world. Since there would be a lot of adventure sports you can participate in, remember to buy an insurance policy that offers adequate coverage for adventure sports as one of the many benefits of travel insurance.

Maldives during the pandemic: Tourism in the Maldives hit a new low because of the pandemic. Maldives shut its borders for the first time in its history from March 27, 2020, to July 15, 2020. This was done to stop the virus from spreading and stop all travel in the Maldives. But since late 2020, tourists have returned steadily as the virus is now under control and more than two-thirds of the country’s population has been vaccinated. As you plan to resume your travel once again, book your insurance from Bajaj Allianz travel insurance. Most travel insurance now covers testing positive for Covid too.

Promotion to attract tourists: Maldives is trying to improve its image by taking advantage of how travellers’ tastes are changing. The Maldives started a marketing campaign in 2020, whose slogan was “Isolation never looked so good”, to promote it as a niche destination.

Vacation companies have found a particular market for Maldives packages, and some allow travellers to customise their own Maldives vacations.

The way forward: The global travel industry is still in the wood, but it’s good to see Maldives taking bold steps to get back on its feet faster, using new tools and an effective and efficient approach.

To sum up, places worldwide open their doors to tourists with restrictions lifted each passing day. Travel insurance is mandatory in some countries. E.g., Schengen travel insurance is a prerequisite for visiting many European countries.

Even though it might not be a mandate in the Maldives, it is highly recommended that you buy travel insurance, more so now as Covid has brought with itself a lot of uncertainty.

Subscribe to Bajaj Allianz General Insurance Company YouTube Channel.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

read more

A Comprehensive Guide to Health Insurance: Explore Its Coverage, Features, and Benefits

Health insurance is a service that protects your cash in the event of an unexpected medical expense. Having the straightforward certainty that your medical bills are being paid for can be a tremendous relief during these trying times. It is equally crucial to understand what is covered by your health insurance policy as it is to just have an insurance coverage.

In general, a health insurance policy must have the following features:

  • Cover the cost of hospitalisation
  • Daycare facility fees
  • Hospital fees
  • Cumulative bonus for each renewal year without a claim
  • Minimal waiting times for disorders that are already present
  • Affordable premium prices

There are many different health insurance options on the market. Each of these plans caters to individuals with various medical needs by providing a variety of coverages and health insurance perks.

Individual health insurance

Plan for individual health insurance. If you’re single and seeking for an insurance that will solely cover you, this plan is best appropriate for you. The advantages of this strategy include:

  • More than 6000 network hospitals in India have a cashless facility.
  • SI (Sum Insured) ranges from 1.5 lakhs to 50 lakhs in Indian rupees.
  • Options for 1, 2, and 3 year policy terms
  • Choice of perpetual renewal
  • Health CDC (Claim by Direct Click) benefit: quick claim resolution with the Insurance Wallet app
  • Cost-effective long-term plans.
  • Section 80D of the Income Tax Act provides for tax savings. Tax benefit is subject to change in prevalent tax laws.

Family Health Insurance Plan – Health Guard

Health insurance plans for a family called Health Guard are specifically designed to cover your entire family under a single policy. This policy can be purchased to cover you, your spouse, your parents, and your kids. The advantages of this strategy include:

  • A single policy that will protect both you and your loved ones
  • Freedom from having to pay multiple premiums for each member of the family
  • SI (Sum Insured) ranges from 1.5 lakhs to 50 lakhs in Indian rupees.
  • Options for 1, 2, and 3 year policy terms
  • More than 6000 network hospitals in India have a cashless facility.
  • Choice of perpetual renewal
  • Section 80D of the Income Tax Act provides for tax savings.
  • Maximum annual convalescence benefit of INR 7,500

Policy for Critical Illness

This insurance plan is specifically created to protect you in the event that you develop life-threatening conditions like cancer, stroke, kidney failure, etc. This policy’s entry age ranges from 6 to 59 years old. This benefits of health insurance under this plan is that it includes 10 serious diseases:

  • Stroke
  • Kidney Disease
  • Cancer
  • Limb Paralysis for Life
  • Surgery to Replace an Artery
  • Heart attack initially (Myocardial Infarction)
  • Surgery for an aorta
  • Primary Arterial Hypertension in the lungs
  • Significant Organ Transplant
  • Symptoms of Multiple Sclerosis that Never Go Away
  • Amount paid as a lump sum to the insured
  • Insurance to cover donor costs during a transplant procedure
  • Coverage offered both in and outside of India
  • Options for SI (Sum Insured) begin at INR 1 lakh.
  • Section 80 D of the Income Tax Act’s tax savings provisions
  • Affordable premium prices

In the modern world, when the cost of healthcare is rising daily, having health insurance is essential. When receiving medical care, a good health insurance policy can give you the financial security you need. Understanding what is included and excluded, as well as specifics on the list of diseases not covered by health insurance, is nevertheless crucial.

Last but not least, pick a plan that best meets your insurance needs. In order to properly comprehend the policy’s contents and exclusions, we also advise you to carefully study the policy wordings.

Subscribe to Bajaj Allianz General Insurance Company YouTube Channel.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

read more

What Information Is Included In The IRS Tax Audit Notification?

A tax audit does not necessarily mean you have done anything wrong. It is simply a way for tax authorities to ensure that taxpayers are paying the correct amount of tax.  You can get an IRS tax audit notification for several reasons like income reporting discrepancies, high income earner, running a cash business, etc.

The IRS audit letter will include important information like –

1. The reason for the audit:

The message will state the specific area of your tax return that the IRS is auditing, such as your income, deductions, or credits.

2. The time period under review:

The document will indicate the tax year or years that the audit covers, as well as the deadline for responding.

3. The type of audit:

The letter will state whether the audit is a correspondence audit (conducted by mail), an office audit (carried out at an IRS office), or a field audit (carried out at your home or place of business).

4. A list of documents and records requested:

The document will list the specific documents and records that the IRS wants you to provide, such as bank statements, receipts, and invoices.

5. Contact information:

The letter will provide contact information for the IRS auditor assigned to your case, including their name, phone number, and address.

6. Instructions for responding:

The notification will provide instructions for how to respond to the audit, such as how to submit your documents and records, and any deadlines that you need to meet.

It’s important to carefully review the IRS audit letter and take appropriate action in response. If you’re unsure about any aspect of the audit or what’s being requested, it’s a good idea to consult with a tax professional for guidance. They can provide valuable advice and representation in dealing with the IRS or state tax authorities.

read more

Get Cash Advance Online Same Day Payment: Slick Cash Loan

Do you ever find yourself in need of quick Cash? You may need money since you’re unemployed or your house requires repair. Maybe you’ve encountered some unforeseen circumstances and need the money immediately. There are many reasons you should consider the cash advance online same day – slick cash loan.

Do you want to know where to get the cash advance from a reliable financial platform? A slick cash loan is the best and most trustworthy financial institution to get cash advances at an affordable interest rate.

Slick cash loan services are available online and can assist you in getting the best deal from lenders. The application process is straightforward so that you can receive a speedy response to your loan request. They are aware that everyone has unique wants and objectives. That’s why they’ll consult with a network of trustworthy tenders to find you the best deal possible. They will find a way to aid you regardless of your poor credit rating.

Features Of Cash Advance Online Same Day

·        Many Reliable Cash Advance Lenders

When you come to Slick Cash Advance Loan, they will do everything it takes to match you with the best lender available through their network. That’s because they know how urgently you’ll need the money. With this in mind, they’ve established a system of trusted loan providers to facilitate the rapid and straightforward acquisition of low-interest cash advances. It only takes a few minutes to acquire the Cash you need with the click of a mouse, no matter where you need it.

·        Transparent Cash Advance Lending Contract

They inform all the details to their customers, so you can choose the best loan that is right for you. As a result, their network of partner lenders provides an explicit loan agreement so that you know what you agree to before you apply for a cash loan. With the support of their professionals, you may get pre-qualified for a loan and get the money you need the next business day. They’ll explain your choices in detail to ensure they’re making the best choice for you.

·        Cash Loans With Low Percentage Rate

They have made it simple to figure out how much money you’ll owe throughout the loan so that you can budget accordingly.

·        Variety Of Loan Amounts Option

Slick Cash follows the principle that anyone who needs money will get the required amount as soon as possible. Slick Cash provides a flexible selection of loan amounts to help you receive the money you need.

·        No Hidden Costs

Slick Cash dedicates to personalizing each loan arrangement to the specific requirements of each borrower. They disclose all the interest in the application form so that the applicants don’t get confused after they take the loan.

Finale Takeaway

The primary objective of Slick cash advance loans is to assist borrowers in a financial emergency. Slick Cash is the most reliable name in American finance, and they can help you find the best deals on cash advance loans online from the best lenders.

read more

Does Your Small Business Need Sales Advisors?

As a small company owner, you always have a million points on your mind. In the beginning, you’re attempting to determine how to get going. Then you have to obtain some clients prior to planning on how to maintain them all so you can grow your service. So, let’s check how financial advisors, such as, can help:

  • Financial Preparation for Your Company

As an independent person or small business proprietor, you do not have to take care of business administration or huge business issues, which is extremely attractive. But you also can not access lots of huge business benefits. As an example, without employee advantages such as a 401(k)-retirement strategy with an equal contribution, a wellness savings account, a fundamental insurance policy, and/or a worker supply purchase strategy, you are only responsible for collecting your retirement cost savings as a small business owner.

  • Capital Monitoring

What do you make with the cash you or your business is making? Is it being spent, or is it just accumulating in a low-interest checking/savings account due to the fact that you don’t understand what to do with it?

Taking care of capital is extremely vital for both organization and individual financial resources; they’re totally linked. It sounds pretty fundamental, but if you cannot represent where money is originating from, as well as where it’s going, then you most likely will not have much insight into your funds, which makes it virtually difficult to handle your organization, as well as individual events.

  • Insurance Policy Preparation for Entrepreneurs

Insurance coverage may sound boring, yet every excellent wide-range management plan requires it. Financial advisors can do every one of the portfolio allotments on the planet, as well as develop a real masterpiece on a spreadsheet, yet then life happens, and you are all of a sudden unable to function. After that, you have to utilise every one of your financial savings to maintain yourself afloat until you can earn them again. Your plan of attack is entirely unnecessary.

Regarding 45% of people will develop cancers eventually in life, a terrifying figure. With cancers comes additional expenses, such as therapies and medicine, as well as the tension that features it. You’re possibly not going to be able to work as much or as hard as you carried out in the past.

  • Maintaining Employees

Work markets are extremely affordable. It typically comes down to the particular workplace, as well as the advantages of helping an employer that draws in and keeps staff members. Every person requires to have an excellent monetary strategy, and that consists of financial investments, as well as an insurance policy. Having the ability to recommend a financial advisor experienced in your company who can work with your employees is a large perk, which likewise means workers can focus extra on their key task responsibilities.

Please just know We Are More Than Sales Process Consultants, so can you with a range you things

read more

How To Get Payday Loans Online With Slick Cash Loan?

Many people find themselves needing a quick and easy payday loan but need more time or resources to go through the traditional lending process. Luckily, payday loans are now available online, and plenty of reputable companies offer these loans.

With Slick Cash Loan, you can get loans online in minutes, and no credit checks are required. You can get a loan anywhere in the United States, so you don’t need to worry about where you live. So why wait? Sign up today and get your fast payday loan without any hassle.

What Are Payday Loans Online, And How Does It Work?

Payday loans online – quick approval – slick cash loan is becoming an increasingly popular way to get quick cash. There are several reasons for this, including that payday loans typically have shorter repayment periods than other loan types. A payday loan, also known as a cash advance or quick loan, is a short-term loan typically given to individuals who need money immediately. Payday loans are available from banks and other lenders and can be obtained in various ways. The most common way to get a payday loan is to apply online.

When you apply for a payday loan, the lender will typically require information about your income, including your salary and how much you have in savings. The lender will also ask for documentation such as your pay stub or tax returns. Once the lender has this information, they will decide whether to give you a loan.

When you take out a payday loan online, you can expect to receive your money within 24 hours. You can use the money immediately to cover any unexpected bills or costs. Plus, since payday loans are typically relatively small amounts, there is usually no need to worry about paying them back in full at once. Depending on your financial situation, you can repay your payday loan over time. Payday loans often get Payday loans online – quick approval – Slick Cash Loan and can be deposited into a bank account almost immediately.

Pros Of Payday Loans:

  • Quick Access To Cash: Payday loans are often available within 24 hours and can provide quick access to cash when needed.
  • No Credit Check: Payday loans do not require a credit check, making them a good option for those with poor credit.
  • Convenient: Payday loans are typically offered online and can be applied for from the comfort of your own home.


Online payday loans are becoming increasingly popular as an alternative to traditional payday loans. With online payday loans, borrowers can get a quick loan without going through a bank or credit union.

Looking no further than Slick Cash Loan is a fast and easy way to get a payday loan. The main advantage of online payday loans is that they are available 24/7, and borrowers can get a loan of up to $1,000. Online payday loans also have low-interest rates and no hidden fees.

read more

Where People can Get Loans

People who want to apply for a loan have different options nowadays. But before taking out a loan, there are several considerations an applicant must be aware of, like the type of loan that would be a perfect fit for the planned project and the exact amount needed which is dependent upon the borrower’s ability to repay. Reasons for applying for a loan differ from one borrower to another but the process from loan application to submission of requirements is almost the same.

If you are considering taking out a loan and wondering where you can get one, here are some of your options.

Banks and Traditional Lenders 

As financial institutions, banks operate by accepting deposits from the public. While they create checkbook money or demand deposit, they are making direct and indirect loans at the same time.  Banks offer various types of loans from personal loans to secured loans. The loanable amount has a wider range depending on your repayment capability and assets. The process with traditional financial institutions such as banks may be stressful, and they might require the borrower to submit lots of documents thus loan approval might take some time.

Credit Unions 

Similar to a commercial bank, a credit union is a nonprofit financial cooperative owned by the members. Credit unions generally offer loans that support the financial needs of their members. Before a member can be qualified for a loan, there is a required period of membership. Taking a loan from a credit union is advantageous because it offers a good interest which favors the common interest of the members.

Credit Card Cash Advance 

A trip to an ATM using your credit card will do the trick if you need some quick cash. The amount you can loan from cash advances is limited and sometimes relatively small, however, you can immediately have the financial relief you need. It is important to take note that a credit card cash advance is not the same as regular credit card usage. Cash advances will incur additional fees and loans have higher interest rates.

Online Lenders 

Nowadays, the quickest way to apply for a loan is through online lenders. They offer fast processing of loans with less stringent requirements, unlike banks. They are now getting popular because of a speed and convenient service, where everything is almost done online. The verification and application process can be finished within a day and in an instant, the loaned amount can be credited directly to the borrower’s account.

Nowadays, there are a lot of options to get the funds you need at any time of the day. There is nothing wrong with taking out loans as long as it will serve a valid purpose which is for the betterment of your current financial status. Once you have the money, make sure to spend it wisely and use it only for your needs. Put the money you borrowed to good use such as for putting up a small business that will generate income over time. While you are finding ways how to spend the funds wisely, be a responsible borrower as well by making on-time repayments so you can manage your loans or debts properly.

read more
1 2 3 4 22
Page 2 of 22