#mutual fund agents near me

[rajkaran-12345]

Financial Future: The Role of Expert Mutual Fund Distribution in Mumbai

In today’s rapidly evolving financial landscape, making sound investment decisions can be the key to achieving your financial goals. For many, mutual funds have emerged as an attractive option due to their potential for growth, diversification, and professional management. However, navigating the myriad of mutual fund options can be overwhelming without expert guidance. That’s where Growth n Value comes in, providing premier mutual fund distribution services in Mumbai that cater to your unique financial needs.

Understanding Mutual Funds: A Gateway to Investment Success

Mutual funds are investment vehicles that pool money from various investors to purchase a diversified portfolio of stocks, bonds, or other securities. They offer several benefits, including professional management, diversification, and liquidity, making them an excellent choice for both novice and experienced investors. With the right mutual fund, you can achieve a balanced portfolio that aligns with your financial objectives.

Why Choose Growth n Value?

1. Tailored Financial Planning

At Growth n Value, we recognize that every investor has distinct goals, risk tolerances, and timelines. Our approach as the best financial planner in Mumbai is to develop personalized financial strategies that reflect your unique situation. Whether you are planning for retirement, saving for your child's education, or simply looking to grow your wealth, our expert advisors work diligently to craft investment plans tailored to your specific needs.

2. Expertise You Can Trust

As one of the leading mutual fund agents in Mumbai, our team is equipped with extensive knowledge of the financial markets. We stay updated on market trends, economic indicators, and fund performances, enabling us to provide you with the best recommendations. Our seasoned advisors analyze various mutual funds to help you choose options that align with your investment objectives and risk profile.

3. Comprehensive Investment Management Services

Our investment management services in Mumbai go beyond mere fund selection. At Growth n Value, we provide:

Portfolio Diversification: We help you create a balanced portfolio that minimizes risk while maximizing potential returns by investing across various asset classes.

Ongoing Monitoring: Financial markets are dynamic, and your portfolio requires regular evaluation. We continuously monitor your investments, making adjustments as necessary to keep your portfolio aligned with your goals.

Tax Optimization: Understanding the tax implications of your investments is crucial. Our team ensures that your mutual fund investments are tax-efficient, allowing you to maximize your after-tax returns.

4. A Client-Centric Approach

What truly sets us apart as the best investment advisors in Mumbai is our commitment to our clients. We believe in fostering long-term relationships built on trust and transparency. Our advisors take the time to understand your financial aspirations and provide regular updates and insights into your investments, empowering you to make informed decisions.

The Power of Professional Guidance

Investing in mutual funds can significantly enhance your financial portfolio, but without the right guidance, it can also pose risks. The expertise offered by Growth n Value ensures that you not only navigate the complexities of mutual fund investments but also thrive in them. We empower you with the knowledge and tools necessary to make confident investment decisions.

Get Started on Your Investment Journey

Whether you are new to investing or looking to refine your existing portfolio, Growth n Value is here to guide you. Our comprehensive mutual fund distribution services in Mumbai are designed to help you achieve financial success with confidence.

Contact us today to discover how our expert financial planning advisors can help you unlock your financial potential and achieve your goals. With Growth n Value, take the first step toward a secure and prosperous financial future!

[wealthifyme]

What Are the Benefits of NFO as per a Mutual Fund Distributor in Faridabad?

Most people are not aware that new fund offerings (NFOs) can be a great way to start their mutual fund investment journey. This is where a mutual fund distributor in Faridabad steps in, helping investors understand why NFOs can be a valuable option. NFOs give investors a chance to invest in a new mutual fund at its initial offer price, typically ₹10 per unit, which can be a compelling entry point.

What is an NFO?

An NFO (New Fund Offer) is the first-time sale of units in a new mutual fund scheme by an asset management company (AMC). During the NFO period, the fund is offered to investors at a fixed price. After this initial period, the fund units can be bought or sold at the market-determined Net Asset Value (NAV).

Benefits of Investing in an NFO

Low Initial Investment Price: NFOs offer units at a fixed price, usually ₹10 per unit, allowing investors to buy more units initially. If the fund performs well, this can lead to higher returns over time. If you wish to know more, reach out to an AMFI registered mutual fund distributor in Faridabad, like WealthifyMe.

Potential for Growth: NFOs often focus on emerging sectors, giving investors a chance to participate in early-stage growth, which can lead to significant returns in the long run.

Portfolio Diversification: NFOs introduce unique strategies or sectors not available in existing funds, helping investors diversify their portfolios across different market segments.

Innovative Strategies: Many NFOs focus on trending sectors like technology or renewable energy, offering fresh opportunities that traditional funds may not.

Tailored Investment Solutions: NFOs are often designed to meet specific investor needs, and mutual fund distributors can help match the right NFOs to individual financial goals.

Professional Management: NFOs are managed by experienced fund managers who use their expertise to make the most of market opportunities.

Exposure to Untapped Markets: NFOs can target sectors or regions not covered by existing funds, offering investors new opportunities for growth.

Tax Benefits: Certain NFOs, such as ELSS, provide tax deductions under Section 80C, offering both investment growth and tax savings.

Conclusion

NFOs are a great investment option for people who wish to make the most of new opportunities in the market. While NFOs may not always guarantee immediate returns, they provide the potential for long-term growth, especially when aligned with emerging trends or niche sectors.

[mcfinancialservices]

We can invest a set quantity of money on a monthly basis with SIP. It supports us in maintaining the discipline of our investing and savings goal. It assists us in achieving our financial objectives by doing this. Additionally, SIP lowers market volatility and helps us save on taxes. SIP is therefore a crucial instrument for ensuring that everyone of us has a stable financial future.

Visit Us: https://www.mcfinserve.com/ Download Our Application: https://play.google.com/store/apps/details?id=com.mcfinancial

[blackfridayoffers]

The Benefits of Using a Systematic Investment Planner to Maximize Your Return

Making wise investments is a key component of financial success, but it can be difficult to know where to start. Systematic investment plans are a great option for anyone looking to invest their money wisely and maximize their returns. A systematic investment planner can help you make the right decisions for your financial future.

What is a Systematic Investment Planner?

A systematic investment planner is a professional who helps you plan your investments and create a portfolio that will generate the highest returns. They typically have extensive knowledge of different investments, markets, and the markets’ historical performance. They can also provide advice on the best strategies to use in order to maximize your returns.

A systematic investment planner will work with you to create a portfolio that is tailored to your individual financial goals and risk tolerance. They will consider your current financial situation, investment experience, and future plans. They will then create a portfolio that is suitable for your needs and goals.

Benefits of Using a Systematic Investment Planner

There are many benefits to using a systematic investment planner, including:

Professional Advice: A systematic investment planner will provide you with professional advice on the best investments for your particular situation. They will be able to explain the risks and rewards associated with different investments and provide recommendations based on your individual financial goals and risk tolerance.

Strategic Planning: A systematic investment planner will help you create a strategy to maximize your returns. They will consider your current financial situation, investment experience, and future plans. They will then create a portfolio that is suitable for your needs and goals.

Diversification: A systematic investment planner will help you diversify your investments to reduce risk and maximize returns. They will create a portfolio that includes a variety of investments so that you can benefit from different markets and asset classes.

Long-Term Planning: A systematic investment planner will help you plan for the long term. They will create a portfolio that will generate returns over time, even during periods of market volatility.

Tax Planning: A systematic investment planner will be able to provide advice on the best investments for tax purposes. They can help you take advantage of tax deductions and credits to minimize your tax burden.

Conclusion

Systematic investment plans are a great option for anyone looking to invest their money wisely and maximize their returns. A systematic investment planner can provide professional advice on the best investments for your particular situation, help you create a portfolio that is tailored to your individual financial goals and risk tolerance, and help you plan for the long term. If you’re looking for a way to make the most of your investments, consider using a systematic investment planner.

[reanimatedgh0ul]

ok so the other day on tumblr i mentioned that if one were to keep walker and his goons as characters than i'd rather have them be guys in white agents than essentially ghost cops imo

thru thinking abt this some more i think came up w an idea on how i want prisoners love/public enemies to look in my re:animated au along w how i can incorporate this excellent point my mutual made once

essentially the giw i.e. walker and his guys capture wulf after he crossed paths w danny on a patrol one night and rather than danny being the one who could've gotten caught it was wulf who took fall for this kid who he barely met

this sticks out to danny and figures that he now owes it to this guy to get him out

to me the heist happening later in mid/nearing the end of s1 is key bc this ep is the culmination of the trio over course of this season having to come together and work as a team essentially the potential heist is going to put that to the test

i'm also combining the prison break from prisoners of love here so that although initially danny only came here for wulf once he sees the other ghosts that are trapped there he feels obligated to free them as well and along w help wulf retrieve an artifact (the infini map) that he was ultimately trying to keep away from the giw

bc with that under their possession they could finally complete their objective which is to eradicate all ghosts in the ghost zone from the town

rather than the school and the mayor promoting the fentons as the ones who are tasked w dealing w the supposed threat of the ghosts at large it's the giw who are instead brought in

to me this change works on account them being a government funded organization so they have a certain level of public authority that maddie/jack don't

since they're not ghosts this time around and can't possess ppl in order to frame danny, they instead use the power and authority they do wield to enforce whatever narrative they want so that the denizens will believe that they have to trust and rely on them even if they don't actually have the town's best interest at heart and what they're doing is completely self serving

if that means making out wulf and soon afterwards danny as public threats so be it

even though we know danny isn't an actual threat to anyone but rather actually has the town's best interest at heart and is doing a much better job at performing his civic duty rather than ppl who supposedly claim that they do

and bc of the stunt him and sam/tucker pulled off he's now on the giw's shitlist specifically walker and his guys as they were put in charge of handling this case and failed horribly according to their superiors so now walker has personal grudge against danny bc of this

it's also worth noting that if you've been following me for awhile then yk that bc i read danny as a brown mexican kid, the fact his status as ghost is making him the target of a goverment funded organization specifically designed to detain him and others like him

the real world parallels i'm trying to draw here aren't exactly subtle and that's on purpose

also the fact that giw want the infini map which is a ghost artifact that belongs rightfully to the ghost zone and not them but is then stolen by them and claimed as a government property that they then intend to exploit as a tool in assisting their eradication of ghosts further adds to my au's overarching theme of colonialism btw

[camelliagwerm]

👾👾👾!

oh god i wasn't expecting 3 in one ask. anyway, as the cyberpunk mutual, you're getting three from carmen's playlist. apparently the theme is her relationship with specific men.

vampire — olivia rodrigo

i used to think i was so smart but you made me look so naive the way you sold me for parts as you sunk your teeth into me, oh

consider this an angry yet melancholic reflection on her relationship with her ex-husband - she's very intelligent (after all, she's a former arasaka counterintel agent and a netrunner), but her ex manipulated her into thinking he genuinely loved her, drained her energy dry until she was too tired to argue with him, and then took the few assets arasaka didn't take in their messy divorce - which she had no funds to fight, leaving her as a shell of who she was.

frankenstein — rina sawayama

oh, my god, this is so unbearable make it stop, this is more than medical all i want is to feel beautiful inside and out you're the one that can save me from myself destruction, 999, i need your help all i want is to feel beautiful

honestly the whole song is one big OOF for carmen, given her self-esteem issues following her divorce from her ex-husband. the pre-chorus makes me feel like this is something she's saying to river because she knows that she runs the risk of going full chrome / going under so much surgery from greedy ripperdocs just to make herself feel better - she doesn't want to become a cyberpsycho because her body can't handle the cyberware capacity, or become near unrecognisable visually.

stand in the fire — stan bush

sometimes, even heroes fall but you don't look back, you're giving it all, caught in between the fire and the flame you gather the strength as you taking the aim

and a song for johnny - a classic feeling rock song. her canon ending is don't fear the reaper/the sun combo. she knows she's dying as she storms arasaka, just her and johnny, and this is him encouraging her to stand her ground, gather her strength, her iron, her cyberdeck, her monowire. stand in the bloody halls of arasaka, and take vengenance and a stand against the corp for them both, for jackie, for alt and every other poor sod who has been crushed under the heel.

[phoenixconveyancing]

The Role of a Conveyancer in Werribee: Simplifying Property Transactions

What is a Conveyancer?

A conveyancer is a licensed professional responsible for facilitating property transactions. They specialize in the legal and administrative aspects of buying and selling properties. Their primary goal is to ensure that the transfer of property ownership occurs correctly and according to all relevant laws and regulations.

Legal Expertise

Property transactions in Werribee involve a multitude of legal requirements and intricacies. A conveyancer's in-depth knowledge of real estate law is invaluable in navigating this complex terrain. They are well-versed in local, state, and federal laws that pertain to property transactions, ensuring that all legal obligations are met.

Document Preparation and Review

One of the core responsibilities of a conveyancer werribee is to prepare and review important legal documents associated with a property transaction. These documents may include contracts of sale, transfer of land documents, and settlement statements. By meticulously preparing and reviewing these documents, a conveyancer can prevent costly errors and ensure that the process proceeds smoothly.

Title Searches

A critical part of property transactions is conducting thorough title searches. A conveyancer will investigate the property's title to identify any existing restrictions, easements, or encumbrances that might affect the sale. This step is crucial in ensuring that the buyer will acquire clear and marketable title to the property.

Financial Coordination

Conveyancers also play a significant role in the financial aspects of a property transaction. They handle the transfer of funds between the parties involved, such as the deposit, balance of purchase price, and settlement costs. This financial coordination ensures that the transaction proceeds in a secure and organized manner.

Communication Facilitation

Effective communication between all parties involved is paramount in a property transaction. A conveyancer acts as a central point of contact, facilitating communication between buyers, sellers, real estate agents, and other relevant professionals. This ensures that all parties are informed and on the same page throughout the transaction.

Compliance with Government Regulations

Government regulations and requirements are subject to change, and a conveyancer near me stays up-to-date with any alterations that may affect property transactions. Their role is to ensure that the transaction complies with current regulations and to guide their clients through any new requirements that may arise during the process.

Negotiation Assistance

In some cases, negotiations may be required to address issues that arise during the transaction. A conveyancer can provide valuable assistance in negotiating with the other party to resolve disputes or concerns. Their expertise can help both buyers and sellers reach mutually agreeable terms.

Peace of Mind

Engaging a conveyancer in Werribee provides peace of mind for all parties involved. Their experience and attention to detail help prevent common pitfalls and reduce the risk of legal complications or disputes. Knowing that a professional is overseeing the transaction can alleviate stress and ensure a successful property transfer.

[inevitably-johnlocked]

Heya! I was wondering if you had any fanfics that involve Sherlock and John swimming/in a spa/on the beach or something along those lines. Thank you in advance and I hope you’re having a wonderful day 💘

Hey Nonny!

I have this list of Johnlock and Swimming 2019 you can check out, with this additional one that has a small bit of swimming in it:

Proving A Point by elldotsee & J_Baillier (E, 186,270 w., 28 Ch. || Me Before You Fusion || Medical Realism, Insecure John, Depression, Romance, Angst, POV John, Sherlock Whump, Serious Illness, Doctor John, Injury Recovery, Assisted Suicide, Sherlock’s Violin, Awkward Sexual Situations, Alcoholism, Drugs, Idiots in Love, Slow Burn, Body Image, Friends to Lovers, Hurt / Comfort, Pain, Big Brother Mycroft, Intimacy, Anxiety, PTSD, Family Issues, Psychological Trauma, John Whump, Case Fics, Loneliness, Pain) – Invalided home from Afghanistan, running out of funds and convinced that his surgical career is over, John Watson accepts a mysterious job offer to provide care and companionship for a disabled person. Little does he know how much hangs in the balance of his performance as he settles into his new life at Musgrave Court.

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The one spa fic I know of:

Corpus Hominis by mycapeisplaid (E, 47,709 w., 12 Ch. || PODFIC AVAILABLE || Case Fic, Fluff, Romance, Frottage, Angst, Anal, Blow Jobs, Rimming, Spas / Massages, Shampoo, Jealousy, Fake Relationship) - John knows the human body intimately. He’s had plenty of opportunity for study as a doctor, soldier, and lover. There’s one particular body, however, he knows very little about. When Sherlock launches himself head-first into a new obsession and they get sent on a case in an unlikely location, the pair discovers each other’s bodies with confusing yet delightful (and sometimes hilarious) results.

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And the Beach Ones (all also have swimming, LOL):

Where You Are by Mazarin221b (E, 2,478 w., 1 Ch. || Beach Sex, First Time, Fluff, Smut, Holidays, Pining, Lap Sitting, Stroppy Sherlock, Touching) – He can admit he’s secretly a little glad Sherlock didn’t come with him. He needs a break. Sherlock is a handful at the best of times, and the near-constant apologizing, fixing, dealing-with, and following up on is exhausting. The near-constant unrequited attraction is a bit exhausting, too, to be honest, and John could really use a tiny bit of rest from the relentless hammering on his brain and heart.

The Palmyra Atoll by elwinglyre (E, 16,609 w., 3 Ch. || TSo3 Divergence / Episode Fix-It, Stockholm Syndrome, Kidnapped John Watson, John Whump, Evil Mary, Angst, Cuddling & Snuggling, Toplock, Limited 3rd John POV, Sherlock’s Freckles, Worried Sherlock, Forgiveness, Love Confessions) – As John's preparing for the wedding, Sherlock is preparing to have his heart broken, and Mary is prepared to do the unthinkable. Intervention required. Enter Sherlock. Set before Sign of Three with a far different outcome. John is drugged, kidnapped, and left on an island, but not just any old island.

A Study In Auto-Signatures, Sniper Dolphins, and Sex Holidays by cwb (E, 32,689 w., 8 Ch. || Case Fic, Post S3, Evil Mary, Dev. Rel., Beach Holidays, Confused Sherlock, Friends to Lovers, Honeymoon, Epistolary, Bottomlock, First Kiss / Time, Fluff, Secret Agents, BAMF!John) – John and Mary go on their sex holiday, and Sherlock is grumpy and pining about it. Part 1 of HOT DOLPHIN SEX

Gimme Shelter by SinceWhenDoYouCallMe_John (E, 159,368 w., 21 Ch. || PODFIC AVAILABLE || 70′s Surfer AU || Period Typical Homophobia, Hawaii, Enemies to Friends to Lovers, Professional Surfers, Gay John / Sherlock, Angst with Happy Ending, John was a Sailor, Misunderstandings, Mutual Pining) – All John Watson wants is the feeling of a freshly waxed surfboard under his feet and the hot California sun baking down onto his back. To finally go pro in the newly formed world of professional surfing and leave the dark memories of his past behind him as he rips across the face of a towering blue barrel. To lounge beside the beach bonfire every evening with an ice cold beer tucked into the cool sand beside him and listen to Pink Floyd and the Doors while the saltwater dries in his sun bleached hair. That's all he wants, that is, until the hot young phenom taking Oahu and the Hawaiian shores by storm steps up next to him in the sand in the second round of the 1976 International Surf Competition. (PUBLISHED AS ‘The Sea Ain’t Mine Alone’)

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Feel free to add some I’ve definitely missed!! <3

[limitless-imagination]

Valentine’s Day Event Outtakes

I originally planned to write for every Legend and Agent that didn’t get an ask. I didn’t end up going through with it. However, I did get started on a few before I decided on that. Here is what I wrote.

-----------------------

APEX LEGENDS

Fuse

I wrote this a request with #2, Whisper, but it didn’t fit, so I took it out.

Fuse brought the party in the Games, but outside of them? He still needed to rest. There were days he had to drop Fuse off at the door, and return home as Walter Fitzroy. He didn’t seem to mind. Especially when you stayed with him.

Octane – #5, Cupid

Story: Octane gets a Valentine’s skin to wear in game

Octane: “What, that’s so boring. And I look funny.”

Reader: “You bear your midriff without armour in the ring and you have the audacity to tell me you look funny now?”

Reader: “...also you get this limited time punching glove toy.”

Octane: “Alright, that’s more like it!”

Rampart – #11, Sledding

Story: During a duos game, Ramya forces the two of you to go sledding

“Ramya! Wait!”

“Nuh-uh” said Rampart, pushing you down and sitting behind you. The two of you slid down the hill near [that icy thing in world’s edge’

“Worst Valentine’s ever” you said.

Wraith – #9, Crush

Story: Mutual pining leads to your confession to the interdimensional traveller

“I wanted to tell you too. I was... afraid. I didn’t want to make the wrong choice.”

For someone so strong, Renee was vulnerable when it came to people she cared about. It warmed your heart.

VALORANT

Breach – #10, Red and Pink

Story: Breach gets a sponsored skin so Valorant can get more funding. The skin is pink in all its glory, and gets a laugh out of the reader.

Breach: “What’s this for?”

Reader: “We need more sponsers, and we let people decorate your uniforms.”

“You’re expecting me to go into battle like this?”

You snorted. It didn’t look... that bad haha.

Brimstone – #4, Skating

Story: You take the old man skating. He doesn’t know what he’s doing.

Reader: “Cat got your tongue, Sargent?”

Brimstone: “Ease it.”

Raze – #16, Sunset

Story: Raze and the Reader sit on a rooftop in Ascent to watch the sun set over the water

Raze: “I miss getting to sit and enjoy things like this.”

[I’m moving blogs, to @limitlessimagines on March 1st!]

[mgares]

HOW TO BUY A HOUSE - IN 3 EASY STEPS

There is a lot of confusion out there about how to become a Homeowner so I thought I would take a moment and put it into Average Joe speak. That, and in my experience, some people go about it totally backwards which is counter productive to the end goal.

STEP 1. - ASSESS YOUR FINANCES

This is fairly simple. Eliminate non-essentials from your spending budget and stick it in the piggy bank. Modify spending habits to generate savings. Make short-term lifestyle changes.

It's just temporary and if canceling monthly memberships (Netflix, Gyms, Any Subscriptions), adjusting your shopping habits [I got some great tips for this], or eliminating other non-essential spending allows you to keep more money in your pocket to get a home versus flushing rent dollars down the proverbial toilet? Bit of a no-brainer if you ask me.

Bottom line is you have to have money ready-to-hand for the transaction. Even with the "zero down" options like VA and some USDA loans; just to name a couple.

There are inspections, appraisals, escrow funds, repairs, home warranty policies, property taxes, closing costs, and other such considerations that must be paid in order to get a home of your own.

"Do Not Save What Is Left After Spending; Instead Spend What is Left After Saving" - Warren Buffett

Figure out what kind of a down payment your financial situation will allow for. The more, the better, but very few people I know got 20% of the purchase price [a.k.a. - conventional/bank loan] sitting around collecting dust. Good news is you don't necessarily have to have that much.

One of the most common loans is a FHA that only asks for 3-5% down AND there are down payment assistance programs out there if you are really Stuck Like Chuck when it comes to finances. NOTE: This does NOT mean they are going to give you ALL of your down payment; you gotta have some chips in that poker game too.

I like to recommend that people shoot for at least 6-8% of the purchase price of the "kind of home they want" just to make sure all the bases are covered - down payment AND cost(s) of the transaction. Folks, that's a lesser down payment than Owner Finance options for the same "kind of home" as Owners generally ask for 10-15% down.

This total can be a combination of self-savings, down payment assistance, assets that can be used as collateral against the loan, monetary or tangible gifts from friends/family members in some few cases, and more.

Each person is unique and different in how that 6-8% manifests and lenders can vary in what form(s) of down payment they will accept.

EXAMPLE:

Purchase Price: $150k

FHA Down Pymt (3-5%): $4,500 - $7,500

Other Cost(s): (3% +/-): $4,500

Total Savings Needed: $9,000 - $12,000

Kill some bills, sell your "junk" - we all got crap laying around the house we don't use worth money in various amounts - and modify spending habits in a positive manner.

If you are a two car family... can you get by with just one vehicle on a temporary basis [turn that car, and its bills, "into" a house]? Perhaps you have a skill set or piece of equipment that can earn you extra cash here and there on your terms? What changes to your lifestyle can you make that will put another dime or dollar into that kitty bucket?

Finally, do whatever it is you need to do to put those greenbacks into a savings method you can stick with. Whether that is a traditional banking institution or an old shoe box under the bed; you do you. If this means you have to ask someone in a position of trust to hold it so you don't spend it? Guess what you should consider doing?

STEP 2. - TALK TO LENDERS

Let's talk about the "When" of contacting a lender. The only true answer to "When" is... When You Are Ready and only you know how Ready you feel.

I've had clients express the sheer dread they felt about reaching out to a lender and it's an understandable fear. One of my people even said that they felt applying to lenders and having them see their credit condition was akin to stripping naked in front of a total stranger.

But, and as I told my client... think of it like going to the doctor for a full physical exam. Hospital gown over your birthday suit and all. Lenders are professionals there to do a job. They do NOT judge or speculate just because they have intimate knowledge of or about you.

If you suspect you may have some homework to do, credit wise, then it's better to contact a lender sooner rather than later. This allows you to get a game plan together and knock out credit related targets while you are saving funds for your down payment goal. Once completed, you are able to resume your application with confidence moving forward.

"Everything You Want Is On The Other Side of Fear" - Jack Canefield

However, if you are one of the few who feel their credit profile will be a "non-issue" then my suggestion becomes waiting to speak to lenders until you have most, if not all, of your down payment goal met.

When applying to a lender always ask if they perform a Soft or Hard inquiry against your credit report. Most of the lenders I know [and I will list two of my favorites for you here in a second] will execute a Soft Credit Inquiry to determine credit worthiness. This Soft Inquiry does not impact or affect your credit score - should such be a matter of concern to you.

Something else I've noticed is that people don't seem to understand shopping for lender is very much like shopping for an automobile. The overall requirements of any one particular lender (or dealership) can be totally different from a fellow lender's (or dealership's).

Just because one says "No" does not mean they will all will say "No". And even if the first lender tells you "Yes"... I would still encourage you to apply to more than one who does Soft Inquiries. Compare apples to oranges to find the best fit for your home purchasing needs by reviewing interest rates, terms of repayment, mutual rights and remedies, and so on and so forth.

Only after you have secured lender approval (which may be conditional based on various factors) and they have given you the green light to shop up to the amount of $X.00 do you move on to Step 3.

STEP 3 - FIND YOUR REALTOR

The vast majority of the population feels the path to homeownership is "finding the home and then buying it" - through a Real Estate agent. This is NOT the case.

Selecting an agent to help navigate you through the complexities of The Offer and Purchase process is the absolute LAST step to be taken.

What Happens When You Do It Backwards:

You shop for, and find, that PERFECT place and then reach out to an an agent or contact the website that is listing that property. The agent involved determines you haven't spoken with a lender and may now recommend one to get the process started.

Just to let you know... most of us agents are unable to do much of anything at this point without your having secured a lender first. There are some agents out there who are also qualified mortgage consultants but I, personally, haven't met one yet so I don't know how they work.

At this point the agent may also put you on an e-mailer list that scouts the MLS's and regularly sends you properties "matching" the ideal home that you originally asked about.

Why?

Because "that home may not still be there when you are in a position to buy". That's agent speak for... this is gonna take a bit of second and that property will most likely have sold by the time we get you lender approved.

I can't emphasize enough the fact that we agents don't "GET" you that house - the lender does that by providing the loan to pay for it. Us agents help you shop for a home and protect your best interests when buying it.

We deal with the butt-ton of technical paperwork coming/going from every which-a-way at all hours of the day, manage the contract negotiations, handle scheduling and execution of services by professional providers involved in the transaction, are your personal defacto counselor/moral support during the stress mess of buying, and more. None of which can be done until a lender gives us the green light to begin.

Well, most folks aren't mentally or emotionally prepared to reach out to said lender on the fly like this. Fears of "what that lender will see" or personal misgivings about "not qualifying" due to credit condition can halt the whole process at this point. Perhaps leaving you with negative emotions about the whole experience thus far.

But, for the sake of argument let's say you muster up the courage to reach out to a lender anyway. You'll discover that they are people too - most with a generous heart and helpful personality.

You might even discover that your credit was nowhere near as bad as you had built it up in your mind to be. Or, the lender may come back with a little homework for you. Take care of This and That and we'll be able to get you into a home.

The "whammy" of doing it in reverse order like this is that the lender will also share that you will need X thousands of dollars as a down payment to make that happen. Talk about a case of sticker shock!

Obviously, this can be discouraging and disheartening. To overcome one obstacle only run smack dab into another you weren't prepared to tackle? It may start to feel like you are looking up the side of a mountain, the goal of owning a home clearly in your line of sight, but you lack the climbing equipment (not to mention the funds to acquire such) to reach the summit.

It may feel like "that's it, game over" at this point. I know because I, too, approached home ownership azz-backwards like this before I became a Realtor. Felt like someone had ripped a bit of my soul away and left me frustrated and crying inside my heart and mind.

DON'T give up on yourself or your dream of home ownership. Back up, regroup, and attack that goal again. This time, in the correct sequence of events.

"You May Have To Fight A Battle More Than Once To Win It" - Margaret Thatcher

Do this and I promise you that there will be no better feeling in the world than those you experience at the closing table when you are finally handed the keys to your very own home.

Disclaimer: Opinion Editorial for educational and/or informational purposes. Content presented is deemed accurate and/or reliable at the time of authorship. Any errors or omissions present in material(s) are unintentional. You are encouraged to execute your own research.

[rajkaran-12345]

The Role of a Mutual Fund Distributor: Why You Need One

Introduction

In the dynamic world of mutual fund investing, the role of a mutual fund distributor is crucial. This blog discusses the importance of working with a distributor like GrowthnValue to navigate the complexities of mutual funds.

What is a Mutual Fund Distributor?

A mutual fund distributor acts as an intermediary between investors and asset management companies. They provide guidance, recommend suitable funds, and assist with the investment process.

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Access to a Wide Range of Funds: They provide insights into various funds, helping you make informed decisions.

Simplified Investment Process: Distributors streamline the paperwork and administrative tasks involved in investing.

Choosing the Right Distributor

Experience and Expertise: Look for a distributor with a strong track record and market knowledge.

Transparency: Ensure they provide clear information about fees, commissions, and fund performance.

Client-Centric Approach: A good distributor prioritizes your needs and offers tailored solutions.

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GrowthnValue, as a leading mutual fund distributor in Mumbai, provides comprehensive support, helping clients navigate the investment landscape. Their expertise ensures that you find the right mutual funds to meet your financial objectives.

Conclusion

Partnering with a mutual fund distributor like GrowthnValue can significantly enhance your investment experience. With their guidance, you can confidently invest in mutual funds and work towards achieving your financial goals.

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[weemsbotts]

The Hidden Drawings of Dumfries Homes from the 1700s-1800

By: Lisa Timmerman, Executive Director

Mutual Assurance Policy documents do not generally excite people unless they know the potential of such boring sounding insurance documents. While fire prevention and response evolved in Virginia somewhat piecemeal, these early insurance documents are little deposits of hidden gems as residents and business owners in the 1700s-1800s described their property, documented renovations/additions, and even drew little pictures of their prized structures.

First, fires. Large fires devastated early colonial settlements, from homes to capitol buildings, and could easily burn stored and drying tobacco. Legislation in major cities and towns throughout Virginia prevented the construction and repair of wooden chimneys and by 1755 Virginia statutes penalized people for starting fires in or near tobacco warehouses due to its potential for catastrophic damage. Officials fined white freemen but lashed the enslaved population. The fine and physical abuse increased by 1783 for anyone building a wooden chimney or sparking a fire within 200 yards of the warehouse – now enslaved persons received twenty lashes.

The Virginia Assembly took a major step toward fire precaution and awareness by incorporating the “Mutual Assurance Society Against Fire on Buildings of the State of Virginia” on 12/22/1794. Incorporated into a special act, this state-wide plan imposed a $3 million fire subscription requirement, which eventually led to the formation of the Mutual Assurance Society in 12/1795 with its first policy issued in 02/1796. All mutual societies shared the same basic characteristics – owned and operated by policyholders exclusively for their benefit. Officials determined rates by the materials of the structure and articles stored within them, evaluated every 7 years or when owners made changes to their property. Policy holders received the interest accumulated on the reserve fund if more than the amount necessary to pay annual claims for losses and damages. If the costs exceeded the income, the society could require members to pay quota, depending upon the sum insured and the rate of the hazard. This practice continued until 1817.

(04/12/1805, Revaluation of the Building formerly declared for Assurance by David Boyle)

These little gems can help us follow families. Meet David Boyle! Residing and operating in Dumfries, David Boyle filled out a Form of the Declaration for Assurance for his “one building on Main Street at Dumfries, now occupied by said Boyle, situated between James James’ store house and Oronoka Street”. He valued the store and dwelling house property at $1000 on 01/13/1798. On 01/13/1816, the Assurance Society revaluated the “Dwelling & Store House” situated between “Oronoco Street South & the house of Geo. Smith and fronting on Oronoco Street”, valuing his property at $2,000 on 04/12/1805. The Agent agreed, “We the underwritten, being each of us House-Owners, declare and affirm that we have examined the above mentioned property of David Boyle and that we are of opinion that it would cost in cash two thousand dollars to build the same, and is now actually worth two thousand dollars in ready money…” A small sketch often accompanies the legal documents noting materials, size, and structure purpose. For Boyle, his buildings were built and covered with wood and he chose not to insure his stable or meat house, although the agent still noted their presence. Fast forward to 10/1827, we find the heirs of David Boyle valuing a dwelling house at $500 near “Delia Smith east and west” property. Popular in Dumfries, many families purchased it including John McKae, William Barnes, Timothy Brundidge, John Gibson & wife, and Nathaniel Macrae to just name a few. The amount of information gleaned, along with actual sketches (!!) is enough to excite a historian for days.

One major book for HDVI was the discovery of Mason Locke Weems’ form in 1812. While he no longer used the Weems-Botts historic house for his book storage, this document proved he was still in town with both a dwelling house and store house. Besides for valuing the total property at 12,000, he noted “Two buildings om the Cross Street leading from Quantico Creek over Harrison’s Hill & at the point of intersection with the Main Street in the Town of Dumfries now occupied by myself and situated between the land of Murrays Devisees on the west and the cross street above mentioned on the east separating me from Jacob Merchant.” What questions we wish we could ask!

(12/04/1812, Declaration for Assurance in the Mutual Assurance Society by Mason Locke Weems)

These documents then become little puzzle pieces as we can determine the ownership of certain lots and their purpose and even map the changes over time. As you walk and/or drive in Dumfries, think of the historical landscape we cannot see today – from stores to homes to mills. Close your eyes and pause – perhaps you can still hear the crowds, shared laughs, despair, and sounds of a town long gone, but not forgotten.

Note: Curious about your family? While we delayed our seasonal opening, we are still providing digital research services. While members can access these files for free (annual memberships range from $10-$30), anyone can request our services for a fee. On a much younger note, our next Children’s Day at the Museum Sponsored by Colonial Downs Group is Saturday, 05/15! Focusing on the humble ladybug, you can find more info here!

(Sources: HDVI Archival Files: Dumfries Fire Insurance Policies; Library of Virginia: Collection – Mutual Assurance Society Policies for Richmond City and Henrico County – History of the Society, https://lva-virginia.libguides.com/mutual-assurance; Mutual Assurance Society of Virginia: Our History (https://www.mutual-assurance.com/history); Clarke, John B. The Fire Problem in Colonial Virginia. The Virginia Magazine of History and Biography, vol. 57, no. 3 (July 1949): 244-251)

[sofamous70]

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[doctortreklock]

Place Your Bets - June 15, 2019

Part of my Resolution19. Read it on AO3.

Prompt: Imagine your OTP as teachers at the same school who are always flirting and have their students shipping them without realizing it. (x)

Fandom: Marvel Cinematic Universe

Words: 1373

-------------------------------------------------------------------------------------------------------

From: jasmine.marshall@shield.gov To: jasper.sitwell@shield.gov Date: Thursday, August 18, 2011 Subject: New betting pool???

As I'm sure you're aware, Phil Coulson and Clint Barton are both filling in at the Academy this semester, since Barton broke his leg and we all know Coulson's not going anywhere near the field without him. ;-)

They'll both be stuck at hq with no missions for three months, so... SITWELL! When are we going to hear about a new betting pool??? We have to hope that one of these days one or the other of them will finally say something, and I for one would love the opportunity to win my fellow agents' hard-earned cash, so what's it gonna be???

-Jas

--

From: jasper.sitwell@shield.gov To: jasmine.marshall@shield.gov Date: Thursday, August 18, 2011 Subject: Re: New betting pool???

Really? Let's do this.

--

From: jasper.sitwell@shield.gov To: melinda.may@shield.gov, and 132 others BCC: nicholas.fury@shield.gov Date: Thursday, August 18, 2011 Subject: The Great Barton-Coulson Pool of 2011

Gather round, gather round,

As you may know, Agents Phil Coulson and Clint Barton will both be stuck at hq for the next three months, since Barton's a klutz who likes to fall off buildings and Coulson lets him. They will both be teaching courses at the Academy. They are also hopelessly gone on each other and engaged in mutually oblivious pining that makes you wonder how anyone let them get above level 5.

This's where you all come in. Some of you (looking at you, Melinda), know how this works. Others of you are practically children. Fifty bucks buys you a day. Winners are determined when May, Fury, or I verify that they have indeed pulled their heads out of their asses and gotten together. If multiple people pick the same day, they split the pot. If no one picks the day, the pot will go to the widow/ers and orphans fund. I keep the book; I keep the money. When the pot gets over 10k, Fury keeps the money. If you tell Barton or Coulson what's going on, all the money goes to the fund and you never get to place a bet in New York again. Capiche?

Let the games begin.

JS

--

From: melinda.may@shield.gov To: jasper.sitwell@shield.gov Date: Thursday, August 18, 2011 Subject: Re: The Great Barton-Coulson Pool of 2011

May God and Phil Coulson have mercy on your soul.

--

From: nicholas.fury@shield.gov To: jasper.sitwell@shield.gov Date: Thursday, August 18, 2011 Subject: Re: The Great Barton-Coulson Pool of 2011

Cheese is going to be furious when he finds out. This is great.

Put me down for Sept 13, Oct 6, Oct 24, Nov 18, Dec 6, and Dec 28.

--

gemma.fergusson 9/6/2011 10:30 Did you just see that??????

kalani.silva 9/6/2011 10:36 What? The part where C got all misty-eyed about safehouses in Bosnia or the straight-up longing when he was waxing poetic about B’s shot?

gemma.fergusson 9/6/2011 10:37 EXACTLY

gemma.fergusson 9/6/2011 10:37 What day do you think I should get in the pool? Is Saturday too late?

kalani.silva 9/6/2011 10:39 From what Sitwell was saying, it sounds like they’ve been like this for a while. I think mid-March might be a better bet, tbh.

gemma.fergusson 9/6/2011 10:40 >:-p

--

liana.bennett 9/28/2011 13:12 Is it just me, or is Barton attributing every last minute save to one of Coulson's plans?

balthazar.grey 9/28/2011 13:13 It’s not just you

jeanette.marion 9/28/2011 13:15 Except for Bucharest. That one was apparently just a fluke of the weather.

balthazar.grey 9/28/2011 13:21 "Don't forget to plan ahead. I can't list the number of times Ph--Coulson pulled out Plan Q which turned out to be just what we needed."

balthazar.grey 9/28/2011 13:22 Oh my god, I can't stand this anymore.

charles.miranda 9/28/2011 13:26 If it helps, I made a bingo board. Attachment: B-C_pining_bingo.jpg

liana.bennett 9/28/2011 13:28 Oh my god, Chuck.

liana.bennett 9/28/2011 13:29 "Five name-drops in a row before saying anyone else's name"

liana.bennett 9/28/2011 13:29 "First name slip"

liana.bennett 9/28/2011 13:30 "Mention a mission before the Widow's recruitment that was 'just the two of them'"

liana.bennett 9/28/2011 13:31 "Budapest"

liana.bennett 9/28/2011 13:31 Oh my god this is gold

jeanette.marion 9/28/2011 13:52 Bingo

--

maribel.thomas 10/21/2011 15:52 Hey, do you want to go for tapas tonight?

kendall.garcia 10/21/2011 15:56 Ugh. Love to, but can't. I spent way too much this month on Sitwell's stupid pool.

maribel.thomas 10/21/2011 15:57 Seriously???

kendall.garcia 10/21/2011 15:58 Yeah... I just... Every time I turned around, they were meeting up after class for dinner or they'd just come coffee. I thought it was a sure thing. :-/

maribel.thomas 10/21/2011 15:59 If I didn't know for a fact that Barton had game, I would have sworn they were both completely incompetent morons who had never so much had a daydream about asking another person out.

kendall.garcia 10/21/2011 16:01 Tell me about it

maribel.thomas 10/21/2011 16:03 So, tapas tonight? My treat

kendall.garcia 10/21/2011 16:04 If you're sure

maribel.thomas 10/21/2011 16:05 C'mon, I gotta prove I've got more game than Coulson somehow.

kendall.garcia 10/21/2011 16:05 It's a date.

--

From: phillip.coulson@shield.gov To: jasper.sitwell@shield.gov CC: clint.barton@shield.gov Date: Thursday, November 17, 2011 Subject: "Great Barton-Coulson Pool"

Agent Sitwell,

I would like to place two bets in your pool, known colloquially as the "Barton-Coulson Get-It-On-A-Thon," on behalf of both myself and Agent Barton. As agents in good standing at SHIELD, we are both entitled to place such bets. I will make sure the $100 is couriered to Director Fury's office with all haste.

We would like to select tomorrow, Friday, November 18, 2011 in the pool. I believe the pot is in excess of $32,000 by now?

With all thanks,

Special Agent Phil Coulson

--

From: jasper.sitwell@shield.gov To: phillip.coulson@shield.gov CC: clint.barton@shield.gov Date: Thursday, November 17, 2011 Subject: Re: "Great Barton-Coulson Pool"

Screw you both very much, thanks. I'm not even going to ask how you found out, but is it too much to hope for you to take your good friend out for a steak dinner?

--

jasper.sitwell 11/17/2011 20:32 I know it was you. Why did you tell them???

nicholas.fury 11/17/2011 20:48 Sitwell, if I wanted them to know, I wouldn't have had to tell them.

jasper.sitwell 11/17/2011 20:49 It was May, wasn't it

nicholas.fury 11/17/2011 20:52 Of course it was May.

jasper.sitwell 11/17/2011 20:52 And I can't even yell at her for it, can I?

nicholas.fury 11/17/2011 20:53 I wouldn't advise it, no.

jasper.sitwell 11/17/2011 22:47 Why did you pick those days?

nicholas.fury 11/17/2011 22:50 Now why would I tell you that?

jasper.sitwell 11/17/2011 22:51 Because Phil and Clint are probably making eyes at each other across a bar right now waiting for midnight, so the intel's not valuable to you anymore. So spill.

nicholas.fury 11/17/2011 22:58 Sept 13, Tucson. Oct 6, Budapest. Oct 24, Arkhangelsk. Nov 18, Brussels. Dec 6, Shenzhen. Dec 28, Buenos Aires.

jasper.sitwell 11/17/2011 23:01 They're all the anniversaries of missions where one of them almost didn't make it.

jasper.sitwell 11/17/2011 23:02 Damn, that's romantic.

nicholas.fury 11/17/2011 23:03 And that's why you never bet against the house.

[zfunds]

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[moneyassist]

If you have been looking for “mutual fund agent near me” on Google to get your hands on focused funds, here is a primer for you to check out first!