Are you thinking of starting a business?.
Are you thinking of expanding your business into a medium or large scale?
Are you readying for a Joint Venture in India or abroad?
Are you planning to tap export market?
Congrats!.You are on the Right track
First question that can come up in your mind is, i know I want to start a business and be independent financially but I do not know how or where to begin.
Once you are mentally prepared half your answer is ready. All you have to do is just take the first step.
Ok I am ready and willing to take the first step. What is it that I have to do.
Try and prepare the single most important document called Project report.
I understand but I do not have the required time or expertise with me..
SO, IT IS TIME TO TALK TO THE SPECIALIST.
Get your Project Report ready.
Avail a Bank Loan.
Useful information about Project Report is provided in the following FAQ.
Frequently Asked Questions
What is a Project Report?
A project Report is the most important document in the life of a company.It contains all the essential information about the Business right from the legal status to Exit procedure.
For whom is it intended?
Project Reports are meant to be submitted to Banks/Institutions,JV partners,Investors.
Who Prepares it?
Generally the Entrepreneur.In some cases, owners may be technologists having no financial background.
In such cases an outside agency.It all depends
on the size,time available with the enterepreneur,etc.,
What is the size?
Size of a Project Report varies according to the industry and scale of business and also on the reader.
For example for an infrastructure projact it would
be bulky whereas for a Bakery it would be thin.
Language:
Language is country and reader specific.Globally it is preferred to have them in English.
Jargons:
Always keep the reader in mind and avoid excessive use of Jargons.But cover the essentials technically.
Number of years of Finaincial workings:
Financial workings are provided for 3 to 5 years.In some cases until the given loan is repaid.
All the money is my own and i will not be raising a Loan,then why i should have a Project Report?
For securing a license under the law,one has to submit project report as a necessary enclosure.Moreover,Project Reports act as a guide or a reference point to check the levels of efficiency and also help in Profit planning etc.,
What are the sources of Information?
Sources of Project information are many.
They include:
Trade Journals.
Chamber Publications.
Research papers.
Manufacturer`s Catalogue/Brochure.
Import/Export data.
Survey
Personal experience of Entrepreneur.
Go ahead.Turn your dreams into reality.
Note:
If you are an individual you may be required to submit various Project report\details for Education Loan,Personal Loans,etc.,
more to come.
N.Subramani.
nsubramani@ymail.com
www.consultns.com
Wednesday, September 3, 2008
Bank Loan
In this post i will be touching upon the need and areas of Bank Loans.
Are you starting a new Business?
Are you planning to expand your Manufacturing activity?
Are you planning to tap the export market?
whatever it be, look to the Banker for Financing your project.
Raise a Term Loan of Short, Medium or Long Term.
Go for Export finance.
Avail Bank Guarantee facility, so that you can participate in bigger tenders.
Act Today. Achieve your dreams.
Here are a few Tips:
1. Start a Banking relationship today.
2. Route all transactions through a single Bank account, so that the bank knows the
full size, volume and seasonal ups and down of your business operations.
3. Update your banker about the milestones achieved, periodically. For example it may be
an initial order from a new country/new product line.
4. Have a Business plan and review your growth and need for funding requirement.
Have questions?
mail to nsubramani@ymail.com.
N.Subramani
www.consultns.com
Are you starting a new Business?
Are you planning to expand your Manufacturing activity?
Are you planning to tap the export market?
whatever it be, look to the Banker for Financing your project.
Raise a Term Loan of Short, Medium or Long Term.
Go for Export finance.
Avail Bank Guarantee facility, so that you can participate in bigger tenders.
Act Today. Achieve your dreams.
Here are a few Tips:
1. Start a Banking relationship today.
2. Route all transactions through a single Bank account, so that the bank knows the
full size, volume and seasonal ups and down of your business operations.
3. Update your banker about the milestones achieved, periodically. For example it may be
an initial order from a new country/new product line.
4. Have a Business plan and review your growth and need for funding requirement.
Have questions?
mail to nsubramani@ymail.com.
N.Subramani
www.consultns.com
List of Banks
Funding the study of their children is a major issue faced by parents today.
In this post i have listed the names of bank that offer Education Loan.
Next to own source of funding,Education Loans are the second best option.
Banks in india - Nationalised, Commercial and Foreign Banks offer Loans for pursuing higher studies in India and Overseas.
Lending norms for Education Loans have been laid down Reserve Bank of India.
List of banks offering Education loan is given below:
1. Bank of Baroda.
2. Oriental Bank of Commerce.
3. State Bank of India
4. State Bank of Travancore.
5. State Bank of Bikaneer and Jaipur.
6. State Bank of Mysore.
7. State Bank of Saurashtra.
8. State Bank of Hyderabad.
9. State Bank of Indore.
10.Punjab National Bank
11.Bank of Maharashtra.
12.UCO Bank.
13.IDBI Bank.
14.Syndicate Bank.
15.Indian Bank
16.Bank of India
17.Dena Bank
18.United Bank of India.
19.Karur Vysya Bank
20.HDFC Bank
21.HSBC Bank
22.Axis Bank.
more details are available in web site www.fundurstudy..com
more to come.
N.Subramani
www.fundurstudy.com
In this post i have listed the names of bank that offer Education Loan.
Next to own source of funding,Education Loans are the second best option.
Banks in india - Nationalised, Commercial and Foreign Banks offer Loans for pursuing higher studies in India and Overseas.
Lending norms for Education Loans have been laid down Reserve Bank of India.
List of banks offering Education loan is given below:
1. Bank of Baroda.
2. Oriental Bank of Commerce.
3. State Bank of India
4. State Bank of Travancore.
5. State Bank of Bikaneer and Jaipur.
6. State Bank of Mysore.
7. State Bank of Saurashtra.
8. State Bank of Hyderabad.
9. State Bank of Indore.
10.Punjab National Bank
11.Bank of Maharashtra.
12.UCO Bank.
13.IDBI Bank.
14.Syndicate Bank.
15.Indian Bank
16.Bank of India
17.Dena Bank
18.United Bank of India.
19.Karur Vysya Bank
20.HDFC Bank
21.HSBC Bank
22.Axis Bank.
more details are available in web site www.fundurstudy..com
more to come.
N.Subramani
www.fundurstudy.com
Diabetic Foot Care
Foot care is very important for a diabetic patient.
Diabetic patients face foot complications and reducing this is a struggle for many. Symptoms can vary but the first sign is an increased temperature in the foot itself.
An elevated HbA1C is a definite predictor of complications on the way. The higher your A1C the greater the risk. Daily tests only indicate the glucose levels in your blood and strategy to correct it can be worked out. In case of Foot lesions or ulcers , one gets infected easily and will need antibiotic therapy.
Foot Care Tips :
Check your feet daily for any signs of redness, trauma, skin colour change, cracking. Keep your Doctor informed.
Cut your nails on a weekly basis, smooth the rough edges.
Apply good cream or petroleum jelly made for diabetic foot care.
When calluses, corns or toe nails become a problem, always consult your doctor or a podiatrist.
Wear shoes or protective slippers.
Wear shoes that fit right. Avoid high heals or pointy tipped shoes.
Staying in shape is an important factor when you have diabetes. With body in good shape,you will have an overall easier time managing your blood glucose levels.Excessive body weight is hard on your heart, back and every other part of your body, Bring body weight under control.Eat a nutritious food.
All of these tips are important ways of dealing with diabetic foot.
Take proper medical care in time.
Find more useful information at :
American Diabetic association:
http://www.diabetes.org
N.Subramani
www.nsubramani.com
www.smebizplans.com
Diabetic patients face foot complications and reducing this is a struggle for many. Symptoms can vary but the first sign is an increased temperature in the foot itself.
An elevated HbA1C is a definite predictor of complications on the way. The higher your A1C the greater the risk. Daily tests only indicate the glucose levels in your blood and strategy to correct it can be worked out. In case of Foot lesions or ulcers , one gets infected easily and will need antibiotic therapy.
Foot Care Tips :
Check your feet daily for any signs of redness, trauma, skin colour change, cracking. Keep your Doctor informed.
Cut your nails on a weekly basis, smooth the rough edges.
Apply good cream or petroleum jelly made for diabetic foot care.
When calluses, corns or toe nails become a problem, always consult your doctor or a podiatrist.
Wear shoes or protective slippers.
Wear shoes that fit right. Avoid high heals or pointy tipped shoes.
Staying in shape is an important factor when you have diabetes. With body in good shape,you will have an overall easier time managing your blood glucose levels.Excessive body weight is hard on your heart, back and every other part of your body, Bring body weight under control.Eat a nutritious food.
All of these tips are important ways of dealing with diabetic foot.
Take proper medical care in time.
Find more useful information at :
American Diabetic association:
http://www.diabetes.org
N.Subramani
www.nsubramani.com
www.smebizplans.com
Constipation
Do you spend more time in the toilet? If yes it is time to check for possible problem with your
digestion and elimination system.
Evacuation of waste is very critical to maintain health.Constipation is attributable to one more
of the following factors,Viz.,
a)Lack of Fibre and water content in the food.Unbalanced diet.
b)Erratic and irregular Life style
c)stress
d)Lack of excercise.
e)Effect of other drugs.
f)Piles,fitsula.
Constipation has to dealt with otherwise it will lead to higher load on the
other organs in eliminating the toxins and waste.Individual feels energy drained
and highly uncomfortable on the whole.
Take charge of your health and act now for easy bowel movement.
N.Subramani
nsubramani@ymail.com
www.consultns.com
www.fundurstudy.com
www.healthtips4all.com
digestion and elimination system.
Evacuation of waste is very critical to maintain health.Constipation is attributable to one more
of the following factors,Viz.,
a)Lack of Fibre and water content in the food.Unbalanced diet.
b)Erratic and irregular Life style
c)stress
d)Lack of excercise.
e)Effect of other drugs.
f)Piles,fitsula.
Constipation has to dealt with otherwise it will lead to higher load on the
other organs in eliminating the toxins and waste.Individual feels energy drained
and highly uncomfortable on the whole.
Take charge of your health and act now for easy bowel movement.
N.Subramani
nsubramani@ymail.com
www.consultns.com
www.fundurstudy.com
www.healthtips4all.com
Healing
From time immemorial mankind has been using different techniques in treating sickness and restoring health in their Body, Mind and Spirit
Across the globe different techniques are prevalent side by side along with the Modern day Medical advancement.
The techniques/approach of different energy healing method is varied but the core is energy imbalance and restoration of health in body, mind and spirit which is addressed by all systems.
While using the best of scientific advancements, mankind also looks to other systems for additional support in their healing acceleration/ felt comfort at different levels of mind body connection.
Though all systems are effective and unique in their own way I am listing a few:
1.Mudras
2.Jin shin Jyutsu
3.Reiki
4.Pranic Healing
more to come.
Have questions? Please mail me at:
nsubramani@ymail.com
N.Subramani
Across the globe different techniques are prevalent side by side along with the Modern day Medical advancement.
The techniques/approach of different energy healing method is varied but the core is energy imbalance and restoration of health in body, mind and spirit which is addressed by all systems.
While using the best of scientific advancements, mankind also looks to other systems for additional support in their healing acceleration/ felt comfort at different levels of mind body connection.
Though all systems are effective and unique in their own way I am listing a few:
1.Mudras
2.Jin shin Jyutsu
3.Reiki
4.Pranic Healing
more to come.
Have questions? Please mail me at:
nsubramani@ymail.com
N.Subramani
Eating - Tips
Annam Praana Mayam – says the Upanishad.
It means food is life.
There is no species on earth that can completely stay away from eating.
Some of the easy to follow tips on eating are:
1. Eat only when you are hungry
2. Fast or Feast in moderation.
3. Keep away all other pre occupations like watching TV,Attending Cell
phones,reading book\paper.
4.Do not east, just because food or snacks is available around you.
5. Eat native food. When you are in Japan, have a taste of sushi and Osake which
are unique to Japan. Similarly if in South India eat Curd rice with Vathal
Kuzambu.
6. Eat according your present health condition. What you eat should match with your
requirements. For example a person with high sugar level should stay away from
fat,oils and food that have high Glycemic Index.
7. Do not over eat or under eat.
8. Instead of having a few heavy meals, break intake into smaller portion and
increase the number of times intake.
9. Eat foods that are rich in fiber,minerals,protein and water content.
10. Eat seasonal fruits.
Avoid as far as possible the following:
1. Eating full stomach at night.
2. Old, stale foods.
3.Irregular and untimely eating.
4.Eating as a ritual or a time bound obligation.
Always :
Eat for energy.
Eat for nutrition.
Eat for health.
Eat right quantity and nutritional quality.
Enjoy the taste of food you eat.
Express gratitude for what is made available to you.
Eat Right.Stay healthy.
More to come.
N.Subramani
nsubramani@ymail.com
www.fundurstudy.com
www.healthtips4all.com
www.consultns.com
It means food is life.
There is no species on earth that can completely stay away from eating.
Some of the easy to follow tips on eating are:
1. Eat only when you are hungry
2. Fast or Feast in moderation.
3. Keep away all other pre occupations like watching TV,Attending Cell
phones,reading book\paper.
4.Do not east, just because food or snacks is available around you.
5. Eat native food. When you are in Japan, have a taste of sushi and Osake which
are unique to Japan. Similarly if in South India eat Curd rice with Vathal
Kuzambu.
6. Eat according your present health condition. What you eat should match with your
requirements. For example a person with high sugar level should stay away from
fat,oils and food that have high Glycemic Index.
7. Do not over eat or under eat.
8. Instead of having a few heavy meals, break intake into smaller portion and
increase the number of times intake.
9. Eat foods that are rich in fiber,minerals,protein and water content.
10. Eat seasonal fruits.
Avoid as far as possible the following:
1. Eating full stomach at night.
2. Old, stale foods.
3.Irregular and untimely eating.
4.Eating as a ritual or a time bound obligation.
Always :
Eat for energy.
Eat for nutrition.
Eat for health.
Eat right quantity and nutritional quality.
Enjoy the taste of food you eat.
Express gratitude for what is made available to you.
Eat Right.Stay healthy.
More to come.
N.Subramani
nsubramani@ymail.com
www.fundurstudy.com
www.healthtips4all.com
www.consultns.com
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