Outsource Your Accounting and Finance Business

Who Can We Get for You?

Let’s find you remarkable Virtual Assistants with the core financial skills, computing experience, and communication and relationship-building abilities that will give your business an edge. execute on more tasks, for far less cost than you’d expect. And gain a foothold in Asia, where some of the most helpful innovations in financial services are taking place.

So you won’t just outsource. Outsource to win!

Hire for Various Financial Roles and Verticals

Delegate core yet time-draining tasks to your global team in Cebu, Philippines, led by Fiona Kesby (CEO) and Matt Kesby (Founder), who are both based in Cebu City. Protect yourself and your onshore business leaders against overload and burnout.

Help make more remarkable careers and lives possible all around!

Qualifications Our Finance VAs Earned

Bachelor’s Degree in Accounting, Business Administration, Commerce or Finance.
Many are Certified Public Accountants (CPA) and some even have MBAs!
Experience working in banking, insurance, loans and mortgage, real estate
Experience in designing and building apps for financial services
Understanding of IFRS and GAAP

Fintech App & Benefits in Financial Business – Overview

Fintech app is nothing but a web or mobile app that is used to perform financial activities online. Fintech applications are widely used in the financial industry these days as it is highly beneficial in fulfilling financial operations quickly and efficiently.

Does Fintech Apps Are Essential for Financial Businesses?

People prefers to do cashing in online via smartphones with ease in these days rather than visiting banks or other financial sectors. A statista states that around 50% of customers from banks will shift to next bank it there is no mobile app for that bank. Due to its instant solutions, secured concept, fintech apps are now most preferred by the users. This made every financial businesses to move towards mobile platform with fintech app development.

Make Your Busines Presence in Mobile Platform With an Incredible Fintech App

Impact of mobile technology in financial industry made several finanaicial business to seek for fintech app development. If you are one among them, then MacAndro is especially for you. Being an expertise in banking & finance app development, we upholds heap of domain knowledge in financial business and a best track record in providing custom mobility solutions for banks & other businesses.

What are the benefits You can Experience By Choosing MacAndro’s?

24/7 Support
Continuous Operation optimization
Seamless Payment Integration
Shorter time-to-market
Reachability
Cost effective
Reliable & Scalable
Highly Secure and Flexible

5 Mistakes to Avoid in Retirement Planning

Retirement- 16 times, Goal – 5 times, SIP- 5 Times, Asset Allocation – 4 times, inflation: 1 time,

Saving & investing for your retirement is essential while you are in that nascent stage of your career. However, people end up making small mistakes that later amplify their losses or their realized gains.

Most of the time, people don’t realize the importance of saving & investing. They push it back and worry about their retirement kitty for later. However, the sorry news is that this is, quite honestly, not the right approach. Here are 5 mistakes one should avoid while saving up for their golden years.

Mistake 1: Improper Plan/Calculations for Your Retirement Dream You must start estimating your retirement corpus requirement with a Retirement Calculator. Start by sharing your future plans with your spouse by asking each other how much of the present income is required to maintain a comfortable life during retirement? Are there any plans to see the world? Figure out your costs. Calculate your current expenses and find out the future value of your expenses by the time you retire, assuming a realistic rate of inflation. Once you know your answer, use the Retirement Calculator to serve a rough guide as to what this figure can be.

Mistake 2: Not Increasing Your Investments through SIPs A Systematic Investment Plan (SIP) could be your first step to happy retirement life. SIP is one of the preferred ways of investing in a mutual fund. In an SIP, you can invest every month with a minimum amount of Rs. 500. An SIP makes you a disciplined investor. It also helps you achieve your goal of retirement planning. Let’s say you save 5% of your income, for instance, Rs. 2,083/- a month on a yearly income of Rs. 5,00,000 Gradually increase that amount to 10-12% every year. The additional increase will substantially add to the future value of your corpus.

Mistake 3: Starting late & losing on Compounding

The tool that you need to grow your investment over time is the power of compounding. In simpler words, it is earning returns which gets reinvested – a snowball effect that could effectively increase your savings much more over time. Thus, the sooner you start saving, you get more time on your hands, thereby letting compounding work for you in the long run.

Thus achieve your financial goal of saving up for retirement by investing as soon as possible. consult your financial advisor before making any investment-related decisions.

Mistake 4: Improper Asset Allocation

Asset allocation is based on the premise that the different asset classes have varying performance cycles.,.

A good asset allocation plan develops an investment portfolio that will help you reach your financial objectives with minimal amount of risk. However, if you are young and not investing in equity, you are missing out on gains that equities have to offer. A portfolio heavily tilted towards debt at a young age might keep your principal at lesser risk, but it will fail to generate more significant returns. Similarly, if one ends up investing heavily into equities when they are reaching a senior age, they are risking their capital. – a move that could prove disastrous.

So a prudent asset allocation is always advised based on one’s risk-taking capacities.

Mistake 5: Not having a Plan at all

It may sound funny, but if we open our eyes, we will notice that saving habits among youngsters are at an all-time low. Many fancy that they will end up running some successful business that will generate enough cash flow to meet their needs. But pandemic has taught us that some of the most reliable ideas have miserably failed and have bought people to poverty. So it’s not just wise but equally important to have a retirement plan for ourselves no matter how we are faring in our lives.

Best Share Market Tips for Beginners

If you want to get into the stock market, there are various ways to do it and make money, not lose money. One of the simplest ways is to get a broker whom you can belief and hand over your money to him. Regrettably, it takes out the fun and enthusiasm of the willing. This will make you complex to broker decisions, and it can cost you money and take you some time to study and master the basics of stock trading.

Before you even start investing in the stock market and Commodity Market, it is vital for beginners to understand the market well and be as fruitful as possible. The following stock market tips and Commodity Tips like MCX and NCDEX Tips can guide you in the exact direction.

Educate Yourself

The first step to becoming a successful investor is to teach yourself. Take some lessons in accounting; Read as several books on investing as possible, and research online about many aspects of the market and how you can make it work.

Talking to a certified stockbroker or financial advisor is another tip that can help you become a successful investor. A trustworthy advisor will be able to give you direct, personal information that you will not find in books or articles, and can even sit with you one by one and answer all your questions.

Understand Stock Market Software

An alternative great tip would be to consider software to help you with a selection of tasks. It is suggested to invest in personal finance software, which can help you accomplish your funds as well as track profits and losses. Other software to consider would be a program that helps you manage your stock collection, as well as tracking when to buy or sell; analyzing the potential benefits vs. risks of a particular stock, and tracking stock prices.

Never invest in unknown penny stocks

Even if you are buying everybody, you cannot resist the enticement of buying, do not invest unidentified money in stocks. Try not to follow the secret, insider’s warm proposals that your acquaintance’s well-informed friend murmurs in your ears.

The penny stock may have tripled during the last fortnight, but previously that, your friend’s friend started purchasing the stock. The organizers of the firm are likely to have ongoing a shopping spree for the said stock and flashed rumors about the option of some foreign investors taking over the company.

Future growth vs past performance

When you try to analyze the worth of a stock before buying it, you should consider its future development forecasts rather than relying on its past performance.

The past performance of any stock, even its promoters, warn investors in their ads, there is no assurance of its future performance. You can claim yourself into buying a stock because it has doubled in the last year. Instead of relying on its double growth, you should try to analyze the details for that ‘great’ performance.

Could it have been a deficiency of serious competition? Could it have been the supply of raw resources at a lower cost because raw material suppliers had recently come to the market and wanted to spread their product?

If you are satisfied with the reasons, then go ahead and buy the stock of that company.

Keep Practicing

One of the top investment advice, exclusively for learners, is to keep practicing until you have a strong grasp of the market and its ideas. If you do not follow any other stock market tip, it should certainly be a priority no matter what.

There are numerous stock simulation programs that can help you take a risk and get a feel for the real thing without actually investing. Some of these programs are more accurate than others, but all of them will help you appreciate the concept of stock buying and trading.

There are numerous stock trading tips out there, particularly for beginners, but only through information and knowledge can you imagine making the most investment. The stock market tips outlined here are designed to help beginners learn about the market and make the best decisions to succeed.

How To Find USDA Mortgage Loans Near Me In Oklahoma

In Oklahoma is where you’ll find cowboy history – festivals, horse shows, museums and much more. If you fancy the rural life with open skies, open fields, and beautiful landscapes (with a horse beside you, ready to ride off into the sunset), then you’d definitely feel at home in Oklahoma.

Living in a rural area can have its advantages. One of which is the relative peacefulness when compared to the bustling city life of metropolitan areas. When thinking about moving to Oklahoma, one thing that comes in mind is to buy a house within the state, applying for home loans. When planning to build or buy a house in a rural area, the best course of action to do is to look for USDA mortgage loans near me.

USDA Home Loans in Oklahoma

United States Department of Agriculture offered zero down payment options for rural area homebuyers with low interest rates. If you want to buy houses via the USDA mortgage loans near me program in the certified west state, you’ll need to prove that you are eligible. The property that you wish to buy must be for primary residence and must be within the approved rural areas of the USDA otherwise the house purchase won’t be financed. Your income must not exceed 115% of the state’s adjusted median income (AMI).

Perhaps you dislike the design and aesthetics of pre-built homes, and you like your home to display glimpse of your personality and preference, then building your own home is definitely doable in Oklahoma. With this course of action, a mortgage loan isn’t what you would need to seek. What is most fitting in this situation is to find a USDA construction loan Oklahoma City near me.

Construction loans in Oklahoma City

Construction loans work very much like home loans but the loan is used to finance the building of the house. Thankfully the USDA can still help you in this option with its USDA construction loan. Through their Single-Family Housing Guaranteed Loan Program, you can opt for construction-to-permanent loans. An option much efficient than for having different loans for construction and for the home itself.

Where to apply for USDA construction loan Oklahoma City near me?

Finding for USDA construction loan Oklahoma City near me is pretty easy when done online. There is an abundance of available lenders to help you with your home and construction loans. All you need to do is to choose the best lender for you. Of course, choosing the right one would always be a little tricky. Do a little bit more research about the nature of USDA home and USDA construction loans and ask the lenders your queries. A good lender to pick is the one that is able to satisfy your questions and elicit the need to provide quality customer service.

How to Buy, Sell, and Trade TRON (TRX) in India?

How do traders buy, sell, and trade TRON (TRX) in India?

Like other major cryptocurrencies, TRX is also available on several exchanges like Koinbazar. Do you want to invest in TRON (TRX)? Then Koinbazar would be one of the best crypto exchange platforms where you can exchange TRX to INR easily. Koinbazar supports instant INR and crypto deposit options. which makes it easy for traders to invest in any cryptocurrencies which like the most.

To invest and get a good return from it, check the website, sign up with Koinbazar, Complete KYC, link your bank account, deposit your funds and start trading. For the Indian user who has completed the above-mentioned details, you will get 50 KBC tokens FREE and it gets deposited into your Koinbazar account wallet. And also you want to earn more from the Koinbazar referral program, share the referral link (or) code with your friends to earn 50 FREE KBC tokens and also get 50% commission on their trading fees.

How to buy, sell and trade TRX with INR from Koinbazar?

Here’s a step-by-step procedure for users to buy TRX with INR from Koinbazar.

Step 1:

Visit the Koinbazar website.

Step 2:

If you are already a registered user, choose ‘SIGN IN’ at the top right corner of the website to log into your account. if you are a new user, click ‘SIGN UP’ in the top-right corner to register your account.

Step 3:

After you sign into the account, choose “MY ACCOUNT” at the right top of the list.

Step 4:

Choose KYC verification under MY ACCOUNT.

Step 5:

Update the KYC authentication section requested details and identity certificates and then click ‘SAVE’.

Step 6:

Choose ‘BANK DETAILS’ and update your required information. Click “SUBMIT” then.

Step 7:

Go to ‘Assets’ and select ‘Deposit’.

Step 8:

Transfer your required funds to be deposited in either crypto (or) fiat.

Step 9:

Choose ‘Manual Deposit’ and update the account information in the required pages, as needed And also instant INR deposit options available. Your transferred amount will be credited to your wallet after a check by the administrator.

Step 10:

Now, go to the home page, select ‘TRADE’.

Step 11:

On the trading page, choose ‘SELECT INR MARKET’ and select TRX/INR pair to buy TRON with INR.

Step 12:

At the bottom left of the page, start trading by setting the order type and order value you would like to buy.

Sociology Optional for UPSC CSE

Sociology Online Course at IAS Gurukul replicates the sociology classroom coaching experience for the online students who are unable to visit Delhi for classroom coaching. Online course helps students save on high costs of accommodation, etc., the hassles of shifting in Delhi and access same high quality lectures, personal guidance, regular doubts clearing and answer writing practice as the classroom students.

IAS Gurukul is India’s leading institute for sociology optional preparation for the civil services examination. The institute is particularly well known for its sociology classroom course, sociology online course, sociology test series (online & offline) and interview guidance programs. Under the guidance of its Director Pranay Aggarwal, scores of civil services aspirants have nurtured their IAS dreams. IAS Gurukul has emerged as a benchmark institution to achieve excellence in the field of preparation for the civil services examination. Our underlying orientation at IAS Gurukul is to serve the students.

FULL SYLLABUS COVERAGE: Course includes detailed discussions on all topics of the Sociology Optional UPSC/IAS syllabus. It is ensured that no syllabus topic/portion is left untouched or covered in a hurry or partially. Each and every topic in UPSC Sociology syllabus is covered in detail by Sir in the lectures

REGULAR ANSWER WRITING PRACTICE: After each topic, Pranay Sir shares previous year’s UPSC Sociology questions from that topic with students. He also gives some new, expected questions based on his analysis of current trends. Every online student is encouraged to write answers and submit to Sir for checking. Regular answer writing practice ensures that the student is able to write Sociology optional answers as per the demands of the UPSC examination and score well.

4 FULL LENGTH, UPSC PATTERN TESTS: Online students will also be tested through 4 full length, UPSC pattern tests. Each of these tests will be of 3 hours duration. The difficulty level and pattern of each of the tests will be similar to that of the actual UPSC Sociology papers. Tests will be checked thoroughly and marks awarded on each question. Detailed feedback will be given to improve the answers and every student will be advised on how to score higher marks in the UPSC Sociology papers.

All topics in the UPSC Sociology syllabus and topics from which questions are expected are covered in our detailed, comprehensive and updated study material. The study material includes theory and basics as well as latest case studies, relevant news reports, authentic government data and commentary on recent events.

Four Key Rules For Successful Leadership

Leadership is a crucial aspect of any organization, and effective Leadership and Management can have a significant impact on the success and growth of a company. However, leadership is not just about having a position of authority; it is about inspiring and guiding individuals to achieve their full potential and contribute to the organization’s goals. To be a successful leader, it is essential to have a set of core principles and rules to guide your actions and decisions. In this article, we will explore four key rules for successful leadership that can help you build a strong and motivated team and drive your organization toward success.

The Four Key Rules 1. Lead by Example:
One of the most crucial rules for successful leadership is leading by example. As a leader, your actions and behavior set the tone for your team and influence how they perceive and approach their work. When you lead by example, you demonstrate the values, attitudes, and behaviors that you expect from your team, inspiring them to follow suit.

For example, if you want your team to be punctual and committed to their work, you need to model these behaviors yourself. Similarly, if you want your team to be open to feedback and continuous improvement, you need to be willing to receive feedback and show a commitment to learning and development.

2. Communicate Effectively:
Effective communication is another key rule for successful Leadership and Management. As a leader, you need to be able to communicate your vision, goals, and expectations clearly and effectively to your team. You also need to be an active listener, able to understand and respond to your team’s needs, concerns, and feedback. When you communicate effectively, you can build trust and rapport with your team, foster collaboration and innovation, and resolve conflicts and issues before they escalate.

Moreover, effective communication helps ensure that everyone is on the same page and working towards the same goals, leading to greater efficiency and productivity. To communicate effectively, you need to use a variety of communication channels, such as meetings, emails, and instant messaging, and tailor your communication style to your audience’s needs and preferences. By prioritizing effective communication, you can build a strong and cohesive team and achieve your organization’s objectives.

3. Empower and Develop Your Team:
As a leader, you need to create a supportive and encouraging environment that allows your team to take ownership of their work, make decisions, and learn from their mistakes. You also need to provide your team with the resources, tools, and Leadership Training they need to develop their skills and advance their careers. When you empower and develop your team, you can foster a culture of innovation and creativity, boost morale and job satisfaction, and attract and retain top talent.

Additionally, by investing in your team’s development, you can ensure that they have the skills and knowledge they need to adapt to changing business environments and drive your organization’s growth. To empower and develop your team, you need to provide regular feedback and recognition, delegate tasks and responsibilities, and offer opportunities for learning and development, such as Leadership Training Programs, mentorship, and job rotations. By empowering and developing your team, you can build a high-performing and motivated team that can achieve outstanding results.

4. Lead with Integrity:
Leading with integrity is a fundamental rule for successful leadership. Integrity means being honest, transparent, and ethical in your actions and decisions and holding yourself accountable for your mistakes. When you lead with integrity, you create a culture of trust and respect, where your team members feel valued and supported. You also set an example for your team, inspiring them to act with integrity and uphold the organization’s values and standards.

Moreover, it helps you build credibility and establish a positive reputation for yourself and your organization. To lead with integrity, you need to be transparent and honest in your communication, make decisions based on ethical principles and values, and hold yourself accountable for your actions and decisions. You also need to be willing to admit your mistakes and take responsibility for them, rather than blaming others or making excuses. Proper Leadership Training plays a great role in developing these skills.

Final Words
Incorporating these four key rules for successful leadership can help you build a strong and motivated team, foster innovation and collaboration, and drive your organization toward success. Also, you can create a culture of excellence and achieve outstanding results. Get the best Leadership Training Programs and become an ideal leader.

IPO Investment Tips- Strategies for Investing in IPO

IPO is short for Initial Public Offering. It is done when a private company sells the shares of the company to the public in order to raise money for the first time. Additionally, after an IPO is conducted the shares of the company get listed on the stock exchange where those are available for trading. An IPO or Initial Public offering is often referred to as “Going Public” and the process of underwriting is led by an investment bank. Moreover, there are various reasons for a company to go for an IPO, some of those are stated below.

Reasons why a company goes through an IPO
Companies that are looking for growth prospects often go for IPO in the hope to raise capital. The most beneficial reason for an IPO is the additional capital that is raised. The capital that is raised via an IPO is used to purchase PPE (that is Property, Plant, and Equipment) and for R&D purposes (Research and development). There is awareness of a company after an IPO and it generates a new wave of potential customers.

IPO Investment Tips and Strategies
Here are some tips and strategies that will help you out for making a better decision for IPO investment.

Do your own research: When you invest in IPOs it is indirectly investing in Private companies. Private companies do not have many disclosure norms which make them very secretive and they hide a lot of sensitive information from the public. Even expert reviews of IPO have information collected that is publicly available. There is no in-depth research conducted by them that includes any research on internal workings or the company’s financials.

Although the red herring prospectus of the company has a good picture of the company which is approved by the SEBI. As this prospectus is written by the company, they will window dress their flaws and try to show their company as flawless. So before you invest in IPOs make sure you do your own detailed research rather than relying on any third-party research.

Know the funds that are you investing in: The red herring prospectus will enable you the information on how the funds are being utilized. It is very important to know this, it should not be the case that the company is raising funds to repay its liabilities. Instead, a company that is raising funds for research and expansion is more favourable to invest in. Moreover, such a company is worth your time and money.
Read the Red herring prospectus: You should always read the red herring prospectus when you invest in IPO. You are going to become an equity investor and unlike a debt investor, you are not having safety. It is very important to read it in detail and know its purpose.
Go through the Valuations: It is a difficult task for retail investors to find the exact and correct valuations of a private company. Additionally, you should set a benchmark for valuation against the peers of that company. The valuations will be kind of provided by investment bankers and underwriters to make sure you analyse them properly.
Invest at a Cut-off price: IPO investment is highly dependent on luck. You bid on the price which is specified within the price band. Your price should be at the cut-off price to ensure that you get the allotment. Moreover, if you invest at the cut-off price then only your application will even be considered for the final allotment price.
Go for IPOs that are backed by strong brokers: IPOs are managed and controlled by the brokers. Big brokers underwrite for a big or strong company only. But just seeing the name of a big broker you should not jump to buy the IPO. Additionally, you should consider the fact that IPO that is backed by a strong reputed broker is a good thing.
Plan an Exit Strategy: A very important tip for short-term investors in IPO is to Plan an Exit Strategy. You should make the decision that at what level you are going to sell the shares and book profits. Generally, shares of a good company list at a high level and drops in value over time. Moreover, short-term investors should who want to exit in a couple of days should pre-decide it. Also decide loss levels if the IPO does not work in your luck, setting up of stop loss and booking profit is important.
Be Skeptical: IPO investments are considered safe but they are quite not because you have to rely on a broker’s advice as information is not readily available. Many times broker might tell you to invest as he will be getting a good brokerage or to complete his target. You should be skeptical of the advice and make a decision on good research.
Know the Lock-in Period: Insiders and underwriters have a legal contract for holding shares. After the lock-in period when the underwriter will start selling the share the price will fall. It goes to show that the brokers are not confident about the future prospects of the company. Also if the underwriter does not sell or holds the share after the lock-in period it is a good signal.
Probe the Management and Promoters: IPO is like an exit window for promoters sometimes. You should do a background check of promoters and what experience they have of the company before you invest. You should also pay attention to the management of the company.

You have to open a demat account, in order to invest in IPO. Select the best demat account with minimum charges. You can check out the charges of HDFC Demat account.

Conclusion
To sum it up, we looked at what is an IPO? The answer to that is: IPO is short for Initial Public Offering. It is done when a private company sells the shares of the company to the public in order to raise money for the first time. Moreover, we looked at what are the reasons why companies want to go for an IPO. And lastly, we looked at various investment tips and strategies for investing in IPO.

FHA vs. Conventional Loan; Which Is The Best For A First-Time House Buyer

FHA loans and conventional loans are typical loans for house buyers. But if you are a first-time home, you might be stuck in deciding the ideal for you because these loans are different and have different terms and conditions; before taking a plunge and taking any of these loans, first understand what they are.

What is an FHA Loan?
This is a government-financed house mortgage and is guaranteed by the Federal Housing Administration. In addition, the mortgage has less restrictive qualifications making it a good choice if you worry about having a poor credit score.

What is a Conventional Loan?
These loans are neither guaranteed nor warranted by a government agency. Instead, private lenders insure these loans. To be eligible for the loan, you should qualify for a down payment, have a more significant credit record, and a lower debt to income ratio.

Differences between conventional loans and FHA loans
FHA loans are government-sponsored, while conventional loans are privately guaranteed and are given by private lenders
FHA loans are best for first-time homebuyers because of the less stringent credit requirements and lower upfront prices. Conventional loans, on the other hand, have strict credit requirements and high upfront costs.

FHA Mortgage Credit Requirements
An FHA mortgage credit record can be as low as five hundred but without any attached strings.

Conventional Mortgage Credit Requirements
The credit requirements for a conventional loan keep varying from one lender to another. But generally, a minimum credit score of about six hundred and twenty or higher is needed.

Conventional vs. FHA Loans Interest Rates
Loan Internet rates of loans are affected by

State of a country’s economy
The investor demand
The government reserve

Conventional loans have lower interest rates than FHA loans.

Conclusion
It is essential to understand the kind of credit that can be best for your needs. FHA loans are upheld by the government, while conventional loans are for private lenders. In addition, the loans are less restrictive and easily guaranteed by the federal housing administration.