#wealth management companies south mumbai
Explore tagged Tumblr posts
Text
How can you achieve your financial goals with a mutual fund distributor in Mumbai?
Imagine reaching your financial goals - the dream home, the comfortable retirement, the ability to say "yes" to experiences that truly matter. It's a sweet picture, isn't it? But how do we get there? Sure, investments and planning play a crucial role, but there's an often-overlooked secret weapon in your financial arsenal: habits.
Think of it like this. Every small choice you make - that extra coffee skipped, the weekend spent cooking instead of dining out, the decision to automate a savings transfer - adds up over time. These seemingly insignificant actions, woven together, become the fabric of your financial well-being.
Developing good financial habits is crucial for ensuring long-term financial well-being. Whether it's sticking to a budget, saving regularly, or making informed investment decisions, these habits play a significant role in securing a stable financial future. In this article, we will explore the importance of habits for financial well-being and how mutual fund SIP experts in south Mumbai can help you cultivate them.
The Significance of Financial Habits
Financial behavior, including everyday financial decisions, has a direct impact on an individual's financial well-being. Positive financial habits, such as budgeting, saving, and making informed investment decisions, are known to contribute to overall financial health. These habits not only provide a sense of financial security but also lead to long-term wealth accumulation and stability.
Role of Financial Literacy and Behavior
Financial literacy and behavior are closely linked to financial well-being. Studies have shown that practicing positive financial habits, coupled with sound financial literacy, can significantly improve an individual's financial well-being. This highlights the importance of being well-informed about financial matters and integrating this knowledge into everyday financial decisions.
Impact on Financial Well-Being
Favorable financial behavior, sound financial literacy, and effective management of financial stress are key factors in enhancing an individual's financial well-being. These aspects contribute to meeting current and future financial needs, ensuring financial stability, and ultimately leading to a positive perception of overall well-being
Habits and Investment Decisions
In the context of investment, developing good habits such as regular investing through mutual funds and maintaining a disciplined approach, as advocated by mutual fund distributor in Mumbai, can lead to wealth creation over time. This aligns with the philosophy of Money Care Financial Planning, which emphasizes the importance of understanding clients' needs and goals without any agenda in selling specific products
In conclusion, cultivating positive financial habits is essential for long-term financial well-being. By integrating sound financial literacy, practicing favorable financial behavior, and seeking expert guidance from professionals such as mutual fund distributors and SIP experts, individuals can work towards achieving their financial goals and securing a stable financial future.
By incorporating these insights into everyday financial decisions, individuals can take proactive steps towards enhancing their financial well-being and building a secure financial future.
#mutual fund distributor south mumbai#tax planning services mumbai#contact financial planner in mumbai#wealth management experts in mumbai#top financial company in mumbai#portfolio management companies in mumbai#mutual fund distributor in mumbai#wealth management companies south mumbai#financial services in mumbai#expert financial planner in south mumbai#tax planning advisor in Mumbai
1 note
·
View note
Text
Icici bank loans
ICICI Bank is a leading private sector bank in India. It was established in 1994 and is headquartered in Mumbai. ICICI Bank offers a wide range of financial products and services to retail and corporate customers.
Here are some key points about ICICI Bank:
- Services: ICICI Bank provides various banking and financial services, including savings and current accounts, fixed deposits, loans, credit cards, insurance, investments, and wealth management. - Retail Banking: ICICI Bank has a significant presence in retail banking and offers products and services tailored for individuals, such as home loans, personal loans, car loans, savings accounts, and credit cards. - Corporate Banking: The bank also caters to the needs of corporate customers by providing working capital loans, term loans, trade finance, cash management services, and corporate credit cards. - International Operations: ICICI Bank has a presence in several countries around the world, including the United States, Canada, the United Kingdom, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar, Dubai, and South Africa. - Technology and Digital Initiatives: ICICI Bank has been at the forefront of adopting technology and digital solutions to enhance customer experience. It offers internet banking, mobile banking, and a range of digital payment options. - Subsidiaries: ICICI Bank has various subsidiaries, including ICICI Prudential Life Insurance Company Limited, ICICI Lombard General Insurance Company Limited, ICICI Securities Limited, ICICI Venture, and ICICI Bank UK PLC. - Awards and Recognitions: Over the years, ICICI Bank has received numerous awards and recognitions for its performance and customer service. It has been recognized as the Best Retail Bank in India by The Asian Banker, Best Private Bank in India by Global Finance, and Best Digital Bank in India by Euromoney. It's important to note that banking services and offerings may evolve over time, so it's recommended to visit ICICI Bank's official website or contact them directly for the most up-to-date information. Icici Personal Loans ICICI Bank offers personal loans to individuals who need funds for various personal purposes, such as home renovation, wedding expenses, medical emergencies, education expenses, debt consolidation, or any other legitimate personal need. Here are some key features of ICICI Bank personal loans: - Loan Amount: ICICI Bank offers personal loans ranging from a few thousand rupees up to a certain maximum limit, depending on various factors such as income, credit history, and eligibility criteria set by the bank. - Flexible Repayment Tenure: The bank provides flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. Typically, the repayment tenure for ICICI Bank personal loans ranges from 12 months to 60 months. - Competitive Interest Rates: The interest rates on ICICI Bank personal loans are determined based on factors such as the loan amount, repayment tenure, applicant's creditworthiness, and prevailing market conditions. The interest rates are generally competitive in the market. - Quick Disbursal: ICICI Bank aims to provide quick loan disbursal to eligible applicants. Once the loan is approved, the funds are usually disbursed to the borrower's account within a few working days, subject to completion of documentation and verification processes. - Minimal Documentation: The documentation requirements for ICICI Bank personal loans are relatively straightforward. You would typically need to provide proof of identity, address proof, income documents, bank statements, and other supporting documents as required by the bank. - Online Application: ICICI Bank provides an online application facility, allowing customers to apply for personal loans conveniently through their website or mobile app. The online application process is designed to be user-friendly and efficient. - Prepayment and Foreclosure: ICICI Bank allows borrowers to make prepayments or foreclose their personal loans before the completion of the agreed-upon tenure. However, certain terms and conditions, including prepayment charges, may apply. It's advisable to check with the bank for specific details regarding prepayment and foreclosure options. Remember that loan approval and terms may vary based on your eligibility and creditworthiness. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their personal loan offerings, eligibility criteria, interest rates, and repayment options. Icici Business Loan ICICI Bank offers a range of business loan products to cater to the financing needs of different types of businesses. Here are some key features of ICICI Bank business loans: - Loan Types: ICICI Bank offers various types of business loans, including working capital loans, term loans, machinery loans, business overdrafts, business credit cards, and trade finance facilities. - Loan Amount: The loan amount offered by ICICI Bank depends on factors such as the type of loan, the borrower's business profile, financial stability, creditworthiness, and the purpose of the loan. The bank provides both small and large-ticket loans to meet diverse business requirements. - Flexibility: ICICI Bank business loans come with flexible repayment options, allowing borrowers to choose a repayment tenure that suits their business cash flow and financial capabilities. The repayment tenure typically ranges from a few months to several years, depending on the loan type. - Competitive Interest Rates: The interest rates on ICICI Bank business loans are determined based on factors such as the loan amount, tenure, type of loan, business profile, and creditworthiness. The bank aims to offer competitive interest rates to eligible borrowers. - Quick Disbursal: ICICI Bank strives to provide quick loan disbursal to eligible business borrowers. Once the loan is approved and all necessary documentation and verifications are completed, the funds are typically disbursed within a few working days. - Minimal Documentation: ICICI Bank has a streamlined documentation process for business loans. While specific documentation requirements may vary based on the loan type and borrower's profile, you would typically need to provide documents such as business financial statements, bank statements, KYC documents, business ownership details, and collateral-related documents if applicable. - Online Application: ICICI Bank provides the convenience of applying for business loans online through their website or mobile app. The online application process is designed to be user-friendly and efficient, allowing borrowers to submit their loan applications conveniently. - Collateral and Security: Depending on the loan type and amount, ICICI Bank may require collateral or security to secure the loan. The bank accepts various types of collaterals, including property, fixed deposits, and other acceptable assets. It's important to note that loan approval and terms may vary based on your business's eligibility, financial stability, and creditworthiness. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their business loan offerings, eligibility criteria, interest rates, collateral requirements, and repayment options. Icici loan against property ICICI Bank offers loan against property (LAP) as a financing option for individuals and businesses who own residential or commercial properties and are in need of funds. Here are the key features of ICICI Bank's loan against property: - Loan Amount: ICICI Bank provides loans against residential as well as commercial properties. The loan amount is determined based on the value of the property being offered as collateral, the applicant's repayment capacity, and other factors considered by the bank. - Property Types: ICICI Bank accepts various types of properties as collateral, including self-occupied residential properties, rented residential properties, and commercial properties. - Flexible Repayment Options: The bank offers flexible repayment options for loan against property, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure can range from a few years to several years, depending on the borrower's preference and eligibility. - Competitive Interest Rates: ICICI Bank provides loan against property at competitive interest rates. The interest rates are determined based on factors such as the loan amount, tenure, applicant's creditworthiness, and prevailing market conditions. - Loan Utilization: The funds obtained through a loan against property can be used for various purposes, such as business expansion, debt consolidation, education expenses, medical expenses, wedding expenses, or any other legitimate personal or business need. - Quick Processing: ICICI Bank aims to provide quick loan processing for loan against property. The bank has streamlined the documentation and verification processes to ensure a smooth and efficient loan approval and disbursal process. - Online Application: ICICI Bank provides an online application facility for loan against property, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Collateral Evaluation: As loan against property involves using a property as collateral, ICICI Bank conducts a valuation of the property to assess its market value and determine the loan amount that can be offered. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide property-related documents, identity proof, address proof, income documents, bank statements, and other supporting documents as required by the bank. It's important to note that loan against property involves the risk of property repossession in case of non-repayment. It's recommended to carefully assess your repayment capacity and consider the terms and conditions of the loan before availing it. For detailed and up-to-date information about ICICI Bank's loan against property offering, including eligibility criteria, interest rates, and repayment options, it's advisable to visit their official website, contact their customer service, or visit a branch. Icici bank Home loan ICICI Bank offers home loans to individuals who are looking to purchase a new home, construct a house, or renovate an existing property. Here are the key features of ICICI Bank's home loan: - Loan Amount: ICICI Bank provides home loans for various purposes, including buying a new house, constructing a house on a plot of land, or renovating an existing property. The loan amount offered depends on factors such as the borrower's income, creditworthiness, property value, and eligibility criteria set by the bank. - Competitive Interest Rates: ICICI Bank offers home loans at competitive interest rates. The interest rates are determined based on factors such as the loan amount, repayment tenure, borrower's credit profile, and prevailing market conditions. - Repayment Tenure: The bank provides flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure for ICICI Bank home loans can extend up to 30 years, depending on the borrower's preference and eligibility. - Quick Loan Processing: ICICI Bank aims to provide quick loan processing for home loans. The bank has streamlined its documentation and verification processes to expedite the loan approval and disbursal process. - Loan Insurance: ICICI Bank offers optional loan insurance to protect borrowers and their families in case of unforeseen events such as accidents or death. This insurance provides coverage for the outstanding loan amount. - Pradhan Mantri Awas Yojana (PMAY): ICICI Bank facilitates home loans under the Pradhan Mantri Awas Yojana, a government scheme aimed at providing affordable housing to eligible individuals. The bank offers the benefits and subsidies available under the PMAY scheme to eligible borrowers. - Balance Transfer: ICICI Bank allows borrowers to transfer their existing home loans from other banks or financial institutions to ICICI Bank. This feature enables borrowers to take advantage of lower interest rates or better terms offered by ICICI Bank. - Online Application: ICICI Bank provides an online application facility for home loans, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide identity proof, address proof, income documents, property-related documents, bank statements, and other supporting documents as required by the bank. It's important to note that loan approval and terms may vary based on your eligibility, income, creditworthiness, and the property being financed. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their home loan offerings, eligibility criteria, interest rates, repayment options, and any applicable government schemes. Icici bank auto loan ICICI Bank offers auto loans to individuals who want to purchase a new or used car. Whether you are buying a car for personal use or for your business, ICICI Bank provides financing options to make your purchase easier. Here are the key features of ICICI Bank's auto loan: - Loan Amount: ICICI Bank offers auto loans for both new and used cars. The loan amount is determined based on factors such as the car's value, borrower's income, creditworthiness, and eligibility criteria set by the bank. - Competitive Interest Rates: ICICI Bank provides auto loans at competitive interest rates. The interest rates may vary based on factors such as the loan amount, repayment tenure, borrower's credit profile, and prevailing market conditions. - Repayment Tenure: The bank offers flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure for ICICI Bank auto loans can range from a few months to several years, depending on the borrower's preference and eligibility. - Quick Loan Processing: ICICI Bank aims to provide quick loan processing for auto loans. The bank has streamlined its documentation and verification processes to expedite the loan approval and disbursal process. - Pre-Approved Loans: ICICI Bank offers pre-approved auto loans to eligible customers. This allows you to know your loan eligibility in advance and simplifies the car buying process by providing you with a loan offer that can be availed quickly. - Loan Margin: ICICI Bank typically finances up to a certain percentage of the ex-showroom price or the on-road price of the car, depending on the loan amount and the borrower's eligibility. - Insurance and Add-Ons: ICICI Bank offers car insurance options and additional add-on services such as extended warranty, roadside assistance, and car accessories financing to enhance your car ownership experience. - Online Application: ICICI Bank provides an online application facility for auto loans, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide identity proof, address proof, income documents, bank statements, and other supporting documents as required by the bank. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their auto loan offerings, eligibility criteria, interest rates, repayment options, and any applicable promotions or discounts. icici bank used car loan ICICI Bank offers used car loans to individuals who want to purchase a pre-owned car. If you are looking to finance the purchase of a used car, here are the key features of ICICI Bank's used car loan: - Loan Amount: ICICI Bank provides financing for the purchase of used cars. The loan amount offered is based on factors such as the car's value, borrower's income, creditworthiness, and eligibility criteria set by the bank. - Competitive Interest Rates: ICICI Bank offers used car loans at competitive interest rates. The interest rates may vary based on factors such as the loan amount, repayment tenure, borrower's credit profile, and prevailing market conditions. - Repayment Tenure: The bank provides flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure for ICICI Bank used car loans can range from a few months to several years, depending on the borrower's preference and eligibility. - Loan Margin: ICICI Bank typically finances up to a certain percentage of the car's valuation for used car loans, depending on the loan amount and the borrower's eligibility. - Quick Loan Processing: ICICI Bank aims to provide quick loan processing for used car loans. The bank has streamlined its documentation and verification processes to expedite the loan approval and disbursal process. - Pre-Owned Car Evaluation: Before approving a used car loan, ICICI Bank may require a valuation and assessment of the car's condition and market value to determine the loan amount and eligibility. - Insurance and Add-Ons: ICICI Bank offers car insurance options and additional add-on services such as extended warranty, roadside assistance, and car accessories financing for used cars to enhance your ownership experience. - Online Application: ICICI Bank provides an online application facility for used car loans, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide identity proof, address proof, income documents, bank statements, and other supporting documents as required by the bank. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their used car loan offerings, eligibility criteria, interest rates, repayment options, and any applicable promotions or discounts. Read the full article
0 notes
Photo
This data science is a good choice for somebody to begin their career in the area of Data Science with 3 Years’ experience. Finding a job and planning a profession each require a solid academic basis. The insights gained through enterprise analytics help organizations plan for future projects, measure both success and failure, and set new goals. Often, business analytics may seem straightforward in phrases of approach.
This is something I appreciate in regards to the PGCBM course as this has forced us to check and work hard in the path of attaining a great grade albeit at a price. The cost is the toll it has taken in managing the work and personal life because the course has been heavy and requires a focused examination of a good 2-3 hours every single day on an average.
While you can also be a part of your reside online class from a telephone or pill if it supports the Zoom software program, we advocate you attend classes from a PC/Laptop/Mac. Thank you for allowing me to be half of this unimaginable educational journey which I will cherish for a lifetime. I do really appreciate the standard of service and the monumental educational journey I undertook for the final 14+ months my heartfelt thanks to all of the ExcelR Professors for pouring into us their wealth of schooling and experience.
Business Analytics Courses
A non-refundable deferral payment must be paid, in addition to the admission charge, to secure your home for the next class. The deferral charge is adjusted in your program charge if you join the program. Please note that the program charge relevant to the yr of becoming a member of the program will apply. Once you're admitted, we may have preterm online programs in areas of accounting, statistics, and so forth to help you gear up for the program.
Therefore, we encourage studying throughout topics, and our curriculum offers college students multidisciplinary new-age administration and liberal training. At ExcelR, we consider education must encourage innovation, social accountability, and cognitive flexibility.
You validate your model to examine if your model is giving accurate predictions. Once validated and reported, you deploy your mannequin on the company’s system which then will carry out analysis on each new incoming knowledge. When a model is deployed, it must be constantly monitored for accuracy. Apart from the above mentioned, there are much more benefits that Great Learning presents to the candidates that take up a Data Science and Business Analytics certification course in Mumbai. ExcelR has designed an exclusive Data Science and Business Analytics course which is a postgraduate program. With the sudden surge in online supply and due to this fact the supply of some choices, eating places are struggling to retain their prospects.
Every nook and corner of the software has been lined and submit course assist is one additional characteristic they are providing, which can assist to make clear any doubts while in execution in our work. Thanks to the whole group, and I am an authorized Power BI Developer at present, incomes a decent salary with an organization of my selection.
The whole college is dedicated to enabling us to finish your course following the schedule. Utilizing a world-class immersive program, they supply courses online by way of Market Analysts. Additionally, they market your profile within the USA, UK SINGAPORE, INDIA, and SOUTH AFRICA. Troubleshoot both theoretically and actually throughout online & classroom coaching, even after the tip of the training. The next high business analytics institutes in Mumbai shall be ExcelR Solutions.
Indicate only paid and full-time work expertise, acquired after completing the Bachelor’s Degree. (Apprenticeship, Articleship, Internship, etc., which type an integral part of course research, shouldn't be treated as work experience). However, you should have fulfilled the admission necessities by the time of becoming a member of, if offered admission.
For More Details Contact Us ExcelR- Data Science, Data Analytics, Business Analyst Course Training Andheri Address: 301, Third Floor, Shree Padmini Building, Sanpada, Society, Teli Galli Cross Rd, above Star Health and Allied Insurance, Andheri East, Mumbai, Maharashtra 400069 Phone: 09108238354
Business Analytics Courses
0 notes
Text
India has a hole where its middle class should be
That should worry both government and companies
AFTER China, where next? Over the past two decades, the world’s most populous country has become the market qua non of just about every global company seeking growth. As its economy slows, businesses are looking for the next set of consumers to keep the tills ringing.
To many, India feels like the heir apparent. Its population will soon overtake its Asian rival’s. It occasionally grows at the kind of pace that propelled China to the status of economic superpower. And its middle class is thought by many to be in the early stages of the journey to prosperity that created hundreds of millions of Chinese consumers. Exuberant management consultants speak of a 300m-400m horde of potential frapuccino-sippers, Fiesta-drivers and globe-trotters. Rare is the chief executive who, upon visiting India, does not proclaim it as central to his or her plans. Some of that may be a diplomatic dose of flattery; much of it, from firms such as IKEA, SoftBank, Amazon and Starbucks, is sincerely meant.
Hold your elephants. The Indian middle class conjured up by the marketers and consultants scarcely exists. Firms peddling anything much beyond soap, matches and phone-credit are targeting a minuscule slice of the population (see article). The top 1% of Indian adults, a rich enclave of 8m inhabitants making at least $20,000 a year, equates to roughly Hong Kong in terms of population and average income. The next 9% is akin to central Europe, in the middle of the global wealth pack. The next 40% of India’s population neatly mirrors its combined South Asian poor neighbours, Bangladesh and Pakistan. The remaining half-billion or so are on a par with the most destitute bits of Africa. To be sure, global companies take the markets of central Europe seriously. Plenty of fortunes have been made there. But they are no China.
Centre parting
Worse, the chances of India developing a middle class to match the Middle Kingdom’s are being throttled by growing inequality. The top 1% of earners pocketed nearly a third of all the extra income generated by economic growth between 1980 and 2014, according to new research from economists including Thomas Piketty. The well-off are ten times richer now than in 1980; those at the median have not even doubled their income. India has done a good job at getting those earning below $2 a day (at purchasing-power parity) to $3, but it has not matched other countries’ records in getting those on $3 a day to earning $5, those at $5 a day to $10, and so on. Middle earners in countries at India’s stage of development usually take more of the gains from growth. Eight in ten Indians cite inequality as a big problem, on a par with corruption.
The reasons for this failure are not mysterious. Decades of statist intervention meant that when a measure of liberalisation came in the early 1990s, only a few were able to benefit. The workforce is woefully unproductive—no surprise given the abysmal state of India’s education system, which churns out millions of adults equipped only for menial work. Its graduates go on to toil in small or micro-enterprises, operating informally; these “employ” 93% of all Indians. The great swell of middle-class jobs that China created as it became the workshop to the world is not to be found in India, because turning small businesses into productive large ones is made nigh-on impossible by bureaucracy. The fact that barely a quarter of women work—a share that has seen a precipitous decline in the past decade—only makes matters worse.
Good policy can do an enormous amount to improve prospects. However, hope should be tempered by realism. India is blessed with a deeply entrenched democratic system, but that is no shield against poor decisions. The sudden and brutal “demonetisation” of the economy in 2016 was meant to target fat cats, but ended up hurting everybody. And the path to prosperity walked by China, where manufacturing produced the jobs that pushed up incomes, is narrowing as automation limits opportunities for factory work.
All of which means that companies need to deal with the India that exists today rather than the one they wish to emerge. A strategy of waiting for Indians to develop a taste for products that the global middle class indulges in—cars as income per head crosses one threshold, foreign holidays when it crosses the next—may lead to decades of frustration. Only 3% of Indians have ever been on an aeroplane; only one in 45 owns a car or lorry. If nearly 300m Indians count as “middle class”, as HSBC has proclaimed, some of them make around $3 a day.
Big market, smaller opportunities
Companies would do better to “Indianise” their business by, for example, peddling wares using regional languages preferred by hundreds of millions of Indians. Pricing matters. Services proffered at the same price in India as Indiana will appeal to mere millions, not a billion. Even for someone in the top 10% of Indian earners, an annual Netflix subscription can cost over a week’s income; the equivalent in America would be around $3,000. Apple ads may plaster Mumbai, Delhi and Bangalore, but for only one in ten Indians would the latest iPhone represent less than half a year’s salary. The biggest consumer hits in India have been goods and services that offer stonking value: scooters and mobile telephony have grown fast, but only after prices tumbled.
The sharpest businesses work out which “enablers” will allow Indians to gain access to new goods. Electrification drives demand for fridges. Cheap mobile data (India is in the midst of a data-price war that has hugely benefited consumers) are a boon to streaming services. Logistics networks put together by e-commerce giants are for the first time making it possible for a consumer in a third-tier city to buy global fashion brands. A surge in consumer financing has put desirable baubles within reach of more Indians.
Insofar as it is the job of politicians to create a consumer class, successive Indian governments have largely failed. Businesses hoping the Indian middle class will provide their next spurt of growth should be under no illusion. Companies will have to work very hard to turn potential into profits.
Source:- https://www.economist.com/news/leaders/21734454-should-worry-both-government-and-companies-india-has-hole-where-its-middle-class-should-be?fsrc=scn/tw/te/bl/ed/indiahasaholewhereitsmiddleclassshouldbeindiasmissingmiddle
10 notes
·
View notes
Text
Piramal Realty, Omkar Realtors tie-up to develop project in Mumbai’s Mahim - real estate
The real estate arm of the Piramal Group, Piramal Realty has entered into a joint venture with Omkar Realtors to develop a residential project in Mumbai.The total investment of the project, which will come in up central Mumbai’s Mahim area, is expected to be around Rs 3,000 crore.This is the second joint venture between Piramal Realty and Omkar Realtors. Both the companies are working together for a residential project in Mahalaxmi, south Mumbai. The Dhobi Ghat redevelopment project by the two real estate firms at Mahalaxmi is spread across 12 acres.Omkar Realtors, which mainly focuses on slum development, has acquired several plots of land in central Mumbai region.Piramal Realty, in a statement on Thursday, said it will in the next few years develop 2.2 million sqft over the four acres at an upcoming project at Mahim.The Mahim residential project is close to BandraKurla Complex (BKC), Mumbai’s most prominent business district. It will also be largest residential project in the Mahim area.AnandPiramal, founder of Piramal Realty, said his company was excited to develop the prime parcel of land, which is only a few minutes from the sea link. He said the area also enjoys beautiful views of the sea, mangroves and other open spaces.“With the opening of several world class malls, restaurants, hotels, schools and theatres, BKC will this year become the social and cultural nerve centre of the city,” Piramal added.Piramal Group had recently partnered with IIFL Wealth Management to invest in an alternative investment fund (AIF) of Rs 2,000 crore. This fund would focus on projects that need last-mile funding to speed up projected halted due to liquidity issues.Ajay Piramal with a net worth of Rs 6,560 crore is ranked 10th on the GROHE Hurun India Real Estate List 2019, which was released last week.Piramal Realty was founded in 2012 and is one of India’s prime real estate developers. The company got sales booking of Rs 3,400 crore last fiscal and is currently developing around 15 million sqft of residential and commercial area in and around Mumbai.Goldman Sachs and Warburg Pincus had in 2015 invested USD 235 dollars for a minority stake in Piramal Realty. Read the full article
0 notes
Link
Mukesh Ambani Biography
Mukesh Ambani is an Indian industrialist and the Chairman and Managing Director of Reliance Industries. The owner of immense personal wealth, Mukesh is included in the list of India’s richest persons. Along with this, they are also among the wealthiest people in the world. Reliance Industries is the largest private sector and Fortune 500 company in India.About mukesh Ambani biography
They live in the world’s most expensive ‘Antilla’ in Mumbai. Mukesh is the elder brother of Reliance founder Anil Ambani, son of the late Dhirubhai Ambani and chairman of Reliance Anil Dhirubhai Ambani Group.
Mukesh’s Reliance Industries business is spread across sectors such as refining, petrochemical, oil, gas and retail. Along with the industry, he also owns the Mumbai Indians Twenty-Twenty team, a cricket team under the Indian Premier League (IPL). In 2012, Forbes ranked him on the list of ‘world’s richest sports owners’. Apart from his company, Mukesh Ambani Alalg has also been a member of various committees, chairman and board of reputed companies at different times.
Mukesh Ambani’s residence – Antilia
Mukesh Ambani lives with his family in his 27-storey building ‘Antilia’ in South Mumbai. It is considered to be the most expensive house in the world. A team of about 600 employees remains a shoe in the care of this building. It is named after a mythological island of the same name in the Atlantic Ocean.
Business career of Mukesh Ambani
In 1980, the Indian government of Indira Gandhi opened PFY (Polyster Filament Yarn) to develop the private sector. Then Dhirubhai Ambani applied for the license so that he could open a PFY plant. At that time the license was given to Dhirubhai despite stiff competition from Tata, Birla and 43 other companies in that region. Dhirubhai needed someone’s help to pursue his PFY plant, so he called his son Mukesh Ambani, studying at Stanford University, to help him.
Later Mukesh stopped helping Reliance Polyester and in 1981, Reliance Petroleum Chemicals was started again. And Mukesh Ambani founded Reliance Infocomm Limited (now Reliance Communication Limited). The main objective of which was to focus in information and communication science field of India.
Ambani went ahead and built the world’s largest petroleum refinery in Jamnagar, India. It has a capacity to fill 660000 (33 million tonnes per year) barrels per day, which in 2010 was India’s most popular petroleum sector and a high-end industry in terms of power generation. Addressing the 40th annual general meeting of Mukesh Ambani Reliance on 18 June 2014, he said that he invested Rs 1.8 trillion in different business in the coming 3 years and also implemented 4G services in India in 2015.
Mukesh and Neeta Ambani’s love story
Neeta Ambani belongs to a Gujarati family. Music and classical dance have been very much liked in Neeta’s family and music and dance are very important in her family. Nita’s mother was a noted Gujarati folk dancer. Her mother started teaching her dance when she was only eight years old. Nita started showing her keen interest in dance since childhood and on seeing this she became a skilled dancer of Bharatanatyam.
Neeta performed Bharatanatyam at different functions throughout Gujarat. In one such program, Dhiru Bhai saw Neeta doing Bharatanatyam. Dhiru Bhai was very impressed by this mesmerizing dance of Neeta. Dhiru Bhai noticed that Nita is not only doing a fabulous dance but her beauty is a reflection of Indian tradition. Dhiru Bhai saw this dance of Neeta in Birla Matoshree. When Neeta finished her dance, Dhiru Bhai took information about Neeta from the organizer of the program. Not only this, Dhiru Bhai took Nita’s telephone number and took other details related to her.
family
Mukesh Ambani is the son of India’s finest industrialist Late Dhirubhai Ambani (Dhirubhai Ambani). Dhirubhai Ambani was an Indian entrepreneur and the founder of Reliance Industries. His brother Anil Ambani is the head of Reliance Anil “Dhirubhai Ambani” group. The group works in the areas of telecommunications, electricity, natural resources, infrastructure and financial services. After the death of the father, the two brothers heard the much-hyped hymns, after which the Reliance Group split into two.
Mukesh Ambani’s wife Neeta Ambani looks after the social and charitable work of Reliance Industries. They have three children: Akash, Isha and Anant. Mukesh Ambani is currently building the most expensive house in the world. It is worth $ 2 billion. It will be a 60-storey sky scraper with a 24-floor in Mumbai’s commercial area. Antilia (Antilia and houses are in use). His family belongs to Modh Bania community of Gujarat. His mother’s name is Kokila ben Ambani.
Such is the status
Mukesh Ambani, the richest person in the country. One day, they go to their office in the parking lot of Antilia, a Mumbai-based house. To get the keys of his favorite Mercedes car, put a hand in the pocket, but the key is not found. The key is discovered in the entire house of 27 floor, when not found, Ambani leaves the office in another car.
After this, Ambani’s IIM pass out calls at General Manager’s office. At 3 am, a helicopter lands on the top floor of Antilia. In it sits a Mercedes officer from Germany who hands over a duplicate key to Ambani’s staff and goes back to Germany. … something like Mukesh Ambani’s status earning 1.20 crores per hour and Daily 29 crores.
Also you read-
Political Personality
God
Scientist
sports Personality
Actor and Actress
Socialism
Share
The post Mukesh Ambani Biography appeared first on The Great Biography.
0 notes
Text
Icici bank loans
ICICI Bank is a leading private sector bank in India. It was established in 1994 and is headquartered in Mumbai. ICICI Bank offers a wide range of financial products and services to retail and corporate customers.
Here are some key points about ICICI Bank:
- Services: ICICI Bank provides various banking and financial services, including savings and current accounts, fixed deposits, loans, credit cards, insurance, investments, and wealth management. - Retail Banking: ICICI Bank has a significant presence in retail banking and offers products and services tailored for individuals, such as home loans, personal loans, car loans, savings accounts, and credit cards. - Corporate Banking: The bank also caters to the needs of corporate customers by providing working capital loans, term loans, trade finance, cash management services, and corporate credit cards. - International Operations: ICICI Bank has a presence in several countries around the world, including the United States, Canada, the United Kingdom, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar, Dubai, and South Africa. - Technology and Digital Initiatives: ICICI Bank has been at the forefront of adopting technology and digital solutions to enhance customer experience. It offers internet banking, mobile banking, and a range of digital payment options. - Subsidiaries: ICICI Bank has various subsidiaries, including ICICI Prudential Life Insurance Company Limited, ICICI Lombard General Insurance Company Limited, ICICI Securities Limited, ICICI Venture, and ICICI Bank UK PLC. - Awards and Recognitions: Over the years, ICICI Bank has received numerous awards and recognitions for its performance and customer service. It has been recognized as the Best Retail Bank in India by The Asian Banker, Best Private Bank in India by Global Finance, and Best Digital Bank in India by Euromoney. It's important to note that banking services and offerings may evolve over time, so it's recommended to visit ICICI Bank's official website or contact them directly for the most up-to-date information. Icici Personal Loans ICICI Bank offers personal loans to individuals who need funds for various personal purposes, such as home renovation, wedding expenses, medical emergencies, education expenses, debt consolidation, or any other legitimate personal need. Here are some key features of ICICI Bank personal loans: - Loan Amount: ICICI Bank offers personal loans ranging from a few thousand rupees up to a certain maximum limit, depending on various factors such as income, credit history, and eligibility criteria set by the bank. - Flexible Repayment Tenure: The bank provides flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. Typically, the repayment tenure for ICICI Bank personal loans ranges from 12 months to 60 months. - Competitive Interest Rates: The interest rates on ICICI Bank personal loans are determined based on factors such as the loan amount, repayment tenure, applicant's creditworthiness, and prevailing market conditions. The interest rates are generally competitive in the market. - Quick Disbursal: ICICI Bank aims to provide quick loan disbursal to eligible applicants. Once the loan is approved, the funds are usually disbursed to the borrower's account within a few working days, subject to completion of documentation and verification processes. - Minimal Documentation: The documentation requirements for ICICI Bank personal loans are relatively straightforward. You would typically need to provide proof of identity, address proof, income documents, bank statements, and other supporting documents as required by the bank. - Online Application: ICICI Bank provides an online application facility, allowing customers to apply for personal loans conveniently through their website or mobile app. The online application process is designed to be user-friendly and efficient. - Prepayment and Foreclosure: ICICI Bank allows borrowers to make prepayments or foreclose their personal loans before the completion of the agreed-upon tenure. However, certain terms and conditions, including prepayment charges, may apply. It's advisable to check with the bank for specific details regarding prepayment and foreclosure options. Remember that loan approval and terms may vary based on your eligibility and creditworthiness. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their personal loan offerings, eligibility criteria, interest rates, and repayment options. Icici Business Loan ICICI Bank offers a range of business loan products to cater to the financing needs of different types of businesses. Here are some key features of ICICI Bank business loans: - Loan Types: ICICI Bank offers various types of business loans, including working capital loans, term loans, machinery loans, business overdrafts, business credit cards, and trade finance facilities. - Loan Amount: The loan amount offered by ICICI Bank depends on factors such as the type of loan, the borrower's business profile, financial stability, creditworthiness, and the purpose of the loan. The bank provides both small and large-ticket loans to meet diverse business requirements. - Flexibility: ICICI Bank business loans come with flexible repayment options, allowing borrowers to choose a repayment tenure that suits their business cash flow and financial capabilities. The repayment tenure typically ranges from a few months to several years, depending on the loan type. - Competitive Interest Rates: The interest rates on ICICI Bank business loans are determined based on factors such as the loan amount, tenure, type of loan, business profile, and creditworthiness. The bank aims to offer competitive interest rates to eligible borrowers. - Quick Disbursal: ICICI Bank strives to provide quick loan disbursal to eligible business borrowers. Once the loan is approved and all necessary documentation and verifications are completed, the funds are typically disbursed within a few working days. - Minimal Documentation: ICICI Bank has a streamlined documentation process for business loans. While specific documentation requirements may vary based on the loan type and borrower's profile, you would typically need to provide documents such as business financial statements, bank statements, KYC documents, business ownership details, and collateral-related documents if applicable. - Online Application: ICICI Bank provides the convenience of applying for business loans online through their website or mobile app. The online application process is designed to be user-friendly and efficient, allowing borrowers to submit their loan applications conveniently. - Collateral and Security: Depending on the loan type and amount, ICICI Bank may require collateral or security to secure the loan. The bank accepts various types of collaterals, including property, fixed deposits, and other acceptable assets. It's important to note that loan approval and terms may vary based on your business's eligibility, financial stability, and creditworthiness. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their business loan offerings, eligibility criteria, interest rates, collateral requirements, and repayment options. Icici loan against property ICICI Bank offers loan against property (LAP) as a financing option for individuals and businesses who own residential or commercial properties and are in need of funds. Here are the key features of ICICI Bank's loan against property: - Loan Amount: ICICI Bank provides loans against residential as well as commercial properties. The loan amount is determined based on the value of the property being offered as collateral, the applicant's repayment capacity, and other factors considered by the bank. - Property Types: ICICI Bank accepts various types of properties as collateral, including self-occupied residential properties, rented residential properties, and commercial properties. - Flexible Repayment Options: The bank offers flexible repayment options for loan against property, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure can range from a few years to several years, depending on the borrower's preference and eligibility. - Competitive Interest Rates: ICICI Bank provides loan against property at competitive interest rates. The interest rates are determined based on factors such as the loan amount, tenure, applicant's creditworthiness, and prevailing market conditions. - Loan Utilization: The funds obtained through a loan against property can be used for various purposes, such as business expansion, debt consolidation, education expenses, medical expenses, wedding expenses, or any other legitimate personal or business need. - Quick Processing: ICICI Bank aims to provide quick loan processing for loan against property. The bank has streamlined the documentation and verification processes to ensure a smooth and efficient loan approval and disbursal process. - Online Application: ICICI Bank provides an online application facility for loan against property, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Collateral Evaluation: As loan against property involves using a property as collateral, ICICI Bank conducts a valuation of the property to assess its market value and determine the loan amount that can be offered. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide property-related documents, identity proof, address proof, income documents, bank statements, and other supporting documents as required by the bank. It's important to note that loan against property involves the risk of property repossession in case of non-repayment. It's recommended to carefully assess your repayment capacity and consider the terms and conditions of the loan before availing it. For detailed and up-to-date information about ICICI Bank's loan against property offering, including eligibility criteria, interest rates, and repayment options, it's advisable to visit their official website, contact their customer service, or visit a branch. Icici bank Home loan ICICI Bank offers home loans to individuals who are looking to purchase a new home, construct a house, or renovate an existing property. Here are the key features of ICICI Bank's home loan: - Loan Amount: ICICI Bank provides home loans for various purposes, including buying a new house, constructing a house on a plot of land, or renovating an existing property. The loan amount offered depends on factors such as the borrower's income, creditworthiness, property value, and eligibility criteria set by the bank. - Competitive Interest Rates: ICICI Bank offers home loans at competitive interest rates. The interest rates are determined based on factors such as the loan amount, repayment tenure, borrower's credit profile, and prevailing market conditions. - Repayment Tenure: The bank provides flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure for ICICI Bank home loans can extend up to 30 years, depending on the borrower's preference and eligibility. - Quick Loan Processing: ICICI Bank aims to provide quick loan processing for home loans. The bank has streamlined its documentation and verification processes to expedite the loan approval and disbursal process. - Loan Insurance: ICICI Bank offers optional loan insurance to protect borrowers and their families in case of unforeseen events such as accidents or death. This insurance provides coverage for the outstanding loan amount. - Pradhan Mantri Awas Yojana (PMAY): ICICI Bank facilitates home loans under the Pradhan Mantri Awas Yojana, a government scheme aimed at providing affordable housing to eligible individuals. The bank offers the benefits and subsidies available under the PMAY scheme to eligible borrowers. - Balance Transfer: ICICI Bank allows borrowers to transfer their existing home loans from other banks or financial institutions to ICICI Bank. This feature enables borrowers to take advantage of lower interest rates or better terms offered by ICICI Bank. - Online Application: ICICI Bank provides an online application facility for home loans, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide identity proof, address proof, income documents, property-related documents, bank statements, and other supporting documents as required by the bank. It's important to note that loan approval and terms may vary based on your eligibility, income, creditworthiness, and the property being financed. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their home loan offerings, eligibility criteria, interest rates, repayment options, and any applicable government schemes. Icici bank auto loan ICICI Bank offers auto loans to individuals who want to purchase a new or used car. Whether you are buying a car for personal use or for your business, ICICI Bank provides financing options to make your purchase easier. Here are the key features of ICICI Bank's auto loan: - Loan Amount: ICICI Bank offers auto loans for both new and used cars. The loan amount is determined based on factors such as the car's value, borrower's income, creditworthiness, and eligibility criteria set by the bank. - Competitive Interest Rates: ICICI Bank provides auto loans at competitive interest rates. The interest rates may vary based on factors such as the loan amount, repayment tenure, borrower's credit profile, and prevailing market conditions. - Repayment Tenure: The bank offers flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure for ICICI Bank auto loans can range from a few months to several years, depending on the borrower's preference and eligibility. - Quick Loan Processing: ICICI Bank aims to provide quick loan processing for auto loans. The bank has streamlined its documentation and verification processes to expedite the loan approval and disbursal process. - Pre-Approved Loans: ICICI Bank offers pre-approved auto loans to eligible customers. This allows you to know your loan eligibility in advance and simplifies the car buying process by providing you with a loan offer that can be availed quickly. - Loan Margin: ICICI Bank typically finances up to a certain percentage of the ex-showroom price or the on-road price of the car, depending on the loan amount and the borrower's eligibility. - Insurance and Add-Ons: ICICI Bank offers car insurance options and additional add-on services such as extended warranty, roadside assistance, and car accessories financing to enhance your car ownership experience. - Online Application: ICICI Bank provides an online application facility for auto loans, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide identity proof, address proof, income documents, bank statements, and other supporting documents as required by the bank. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their auto loan offerings, eligibility criteria, interest rates, repayment options, and any applicable promotions or discounts. icici bank used car loan ICICI Bank offers used car loans to individuals who want to purchase a pre-owned car. If you are looking to finance the purchase of a used car, here are the key features of ICICI Bank's used car loan: - Loan Amount: ICICI Bank provides financing for the purchase of used cars. The loan amount offered is based on factors such as the car's value, borrower's income, creditworthiness, and eligibility criteria set by the bank. - Competitive Interest Rates: ICICI Bank offers used car loans at competitive interest rates. The interest rates may vary based on factors such as the loan amount, repayment tenure, borrower's credit profile, and prevailing market conditions. - Repayment Tenure: The bank provides flexible repayment options, allowing borrowers to choose a repayment tenure that suits their financial capabilities. The repayment tenure for ICICI Bank used car loans can range from a few months to several years, depending on the borrower's preference and eligibility. - Loan Margin: ICICI Bank typically finances up to a certain percentage of the car's valuation for used car loans, depending on the loan amount and the borrower's eligibility. - Quick Loan Processing: ICICI Bank aims to provide quick loan processing for used car loans. The bank has streamlined its documentation and verification processes to expedite the loan approval and disbursal process. - Pre-Owned Car Evaluation: Before approving a used car loan, ICICI Bank may require a valuation and assessment of the car's condition and market value to determine the loan amount and eligibility. - Insurance and Add-Ons: ICICI Bank offers car insurance options and additional add-on services such as extended warranty, roadside assistance, and car accessories financing for used cars to enhance your ownership experience. - Online Application: ICICI Bank provides an online application facility for used car loans, allowing borrowers to apply conveniently through their website or mobile app. The online application process is designed to be user-friendly and time-saving. - Documentation: While specific documentation requirements may vary based on individual circumstances, you would typically need to provide identity proof, address proof, income documents, bank statements, and other supporting documents as required by the bank. It's recommended to visit ICICI Bank's official website, contact their customer service, or visit a branch to get detailed and up-to-date information about their used car loan offerings, eligibility criteria, interest rates, repayment options, and any applicable promotions or discounts. Read the full article
0 notes
Photo
This data science is a good choice for somebody to begin their career in the area of Data Science with 3 Years of experience. Finding a job and planning a profession each require a solid academic basis. The insights gained through enterprise analytics help organizations plan for future projects, measure both success and failure, and set new goals. Often, business analytics may seem straightforward in phrases of approach.
This is something I appreciate in regards to the PGCBM course as this has forced us to check and work hard in the path of attaining a great grade albeit at a price. The cost is the toll it has taken in managing the work and personal life because the course has been heavy and requires a focused examination of a good 2-3 hours every single day on an average.
While you can also be a part of your reside online class from a telephone or pill if it supports the Zoom software program, we advocate you attend classes from a PC/Laptop/Mac. Thank you for allowing me to be half of this unimaginable educational journey which I will cherish for a lifetime. I do really appreciate the standard of service and the monumental educational journey I undertook for the final 14+ months my heartfelt thanks to all of the ExcelR Professors for pouring into us their wealth of schooling and experience.
Business Analytics Course
A non-refundable deferral payment must be paid, in addition to the admission charge, to secure your home for the next class. The deferral charge is adjusted in your program charge if you join the program. Please note that the program charge relevant to the yr of becoming a member of the program will apply. Once you're admitted, we may have preterm online programs in areas of accounting, statistics, and so forth to help you gear up for the program.
Therefore, we encourage studying throughout topics, and our curriculum offers college students multidisciplinary new-age administration and liberal training. At ExcelR Solutions, we consider education must encourage innovation, social accountability, and cognitive flexibility.
You validate your model to examine if your model is giving accurate predictions. Once validated and reported, you deploy your mannequin on the company’s system which then will carry out analysis on each new incoming knowledge. When a model is deployed, it must be constantly monitored for accuracy. Apart from the above mentioned, there are much more benefits that Great Learning presents to the candidates that take up a Data Science and Business Analytics certification course in Mumbai. ExcelR has designed an exclusive Data Science and Business Analytics course which is a postgraduate program. With the sudden surge in online supply and due to this fact the supply of some choices, eating places are struggling to retain their prospects.
Every nook and corner of the software has been lined and submit course assist is one additional characteristic they are providing, which can assist to make clear any doubts while in execution in our work. Thanks to the whole group, and I am an authorized Power BI Developer at present, incomes a decent salary with an organization of my selection.
The whole college is dedicated to enabling us to finish your course following the schedule. Utilizing a world-class immersive program, they supply courses online by way of Market Analysts. Additionally, they market your profile within the USA, UK SINGAPORE, INDIA, and SOUTH AFRICA. Troubleshoot both theoretically and actually throughout online & classroom coaching, even after the tip of the training. Indicate only paid and full-time work expertise, acquired after completing the Bachelor’s Degree. (Apprenticeship, Articleship, Internship, etc., which type an integral part of course research, shouldn't be treated as work experience). However, you should have fulfilled the admission necessities by the time of becoming a member of, if offered admission.
For More Details Contact Us ExcelR- Data Science, Data Analytics, Business Analyst Course Training Andheri Address: 301, Third Floor, Shree Padmini Building, Sanpada, Society, Teli Galli Cross Rd, above Star Health and Allied Insurance, Andheri East, Mumbai, Maharashtra 400069 Phone: 09108238354
Business Analytics Course
0 notes
Text
Street Entrepreneurs: - The Original Entrepreneurs of India
Street Entrepreneurs: - The Original Entrepreneurs of India
Nearly five centuries ago, Agra was the commercial nerve center of the prosperous Mongol empire. Thanks to the monuments built by kings and emperors, including the Taj Mahal, this Uttar Pradesh was just a little more than a tourist station.
But, almost unnoticed, Agra has come to illustrate another economic revolution. Despite its dilapidated state and civil infrastructure, it has become a center of Original Entrepreneurs of India new opportunities in the service sector. The impact of these opportunities was that by the end of 2004, until the data became available, more than six out of 10 people were now working alone, compared to just five years earlier.
Agra is just a showcase for a new generation of second-tier Indian cities outside the Delhi, Mumbai, Chennai, Bangalore and Kolkata regions, which have begun to enjoy the benefits of India's economic growth of 8% over the past four years.
A five-year comprehensive government survey places the city of Agra behind Varanasi as a city of more self-employed workers, followed by Bhopal, Indore and Pattna. A few years ago, Agra was not in this picture with Varanasi, Patna, Pune, Lucknow and Kolkata among the five largest cities in terms of independent men.
As a result, apart from 40% of the population who rely heavily on agriculture, and some still depend on the traditional works of leather, footwear and iron foundries, most people in Agra now work in professions as "self-employed".
According to the National Organization for Sampling Survey, in 1999-2000, 431 of every 1000 workers were self-employed in the city. This increased to 603 per 1,000 in 2004-2005. At the national level, the number of self-employed persons has also increased, from 368 to 395 per thousand, and nowhere in Agra and in many similar cities.
Kids new genius
Tell people like Yatendra Singh, 21 years old. When he graduated from the local university in 2005, he never imagined that in less than three years he would share ownership of two Internet cafes. "The Internet started to take off in Agra, I would have survived another way, but maybe I would not run an independent company," he says.
The Internet boom came a bit later to lure to Delhi or Mumbai, but now it is within walking distance of the small Singh vault in the Bodhla-Flint Road, and the entry from Agra Sikandra. It marks the burial place of the great Mongol emperor. The surrounding area has been rebuilt to meet demand for housing. "At least eight Internet cafes, big or small, have appeared since 2004 in this area," says Singh. Pigters also dry cleaners, public providers of telephone calls, real estate brokers and mail delivery shops, all in the midst of busy, packed with motorcycles and Street Entrepreneurs of India.
It seems part of the reason that Agra moved to free work to be better connected with Delhi and neighboring countries. It is building a new fast track to connect it to Noida near New Delhi, while the city government is reaffirming its position on the metro system. It also has the distinction of being one of only five cities in a very large state, apart from Varanasi, Merot, Lucknow and Kanpur. All these qualities seem to make Agra the perfect service center, despite low industrial activity. Big Brother Singh, Krapal, for example, is now juggling between Agra and Noida, a five-hour drive, and setting up his second Internet cafe family in the electronics city.
Growing needs
At the same time, the government expect UP residents of Agra city by 3.84% per year to reach 2.20 million in 10 years and 2.7 million for 2031.
This, for the state administration, can only mean that Internet cafes, post offices, taxis, hotels, education centers and realtors will continue to snowball.
"We are growing very rapidly and the city is changing.The only way to adapt to these changes is to find new forms of employment through investment and modernization of the city," says Ashok Kumar, commissioner of Agra.
As Commissioner, Kumar is the Managing Director of Agra, responsible for monitoring development programs and the planned government. "A great deal of self-employment now comes from occupations that either did not exist a decade ago or were small," he says.
The increase in self-employment is evident throughout the country, although analysts differ on what it means. Arvind Fermani, chief economic adviser to the Planning Committee, planning for the country's most important agency, says the transition to free labor suggests a part of the eventual shift from unskilled labor to skilled farming and manufacturing jobs.
Free work is the usual way of working as it rises in the value chain from agriculture to industry, Fermani wrote in a 2006 paper on employment and equitable growth of the Commission. "The fact that the ultimate change to more skilled jobs in manufacturing already occurs in India depends on other factors, such as skills development and more rational labor laws, to encourage employment in the industry," he says. .
But Arjun Sengupta, a member of parliament and a former member of the Planning Committee, sees in the direction of self-employment, a decline in farm wealth exacerbated by delayed industrial activity.
"This needs attention: we must promote industrial activity and increase agricultural productivity to stimulate better paying jobs that have decent conditions," he says.
Also Visit : Original Entrepreneurs of India
Opportunities in abundance
Analysts say the increase in self-employment shows a change in the way the Indian economy works. "The increase in self-employment shows that people are finding work outside the traditional sectors," said Duncan Campbell, Director of Policy Integration at the ILO.
The new opportunities mean that many have been able to influence the career change they did not expect.
Take Rajendar Yadav, 25, who is already a veteran of the city's traditional industry: shoes. In 2002-2003, when the city's exports of shoes reached $ 350 million (Rs.1,435 crore), Yadav decided to leave his well-paid job as a production manager at Superhouse, a shoe exporter.
By 2005, he established himself in a new role as an independent shoe and accessory manufacturer within Agra, Delhi, Noida and Chennai. A recently settled businessman. He now buys leather-making machines and sells many things, such as embossed beads, to five regular customers.
"What is the point of continuing to work for others while all the commercial sectors of the city thrive?" Yadav said in his office, a room furnished on the roof of his two-story house in Awas Vikas. New colony. Developed by the Agra Development Authority since 1999. It seems that most of his work is carried out through his mobile phone.
Yadav represents the changing employment pattern that is being revealed in Indian cities. The survey data reflect this trend in 29 first-tier cities with a population of more than 1 million, including Hawara in the east to Kalyan-Dumbili in the west and Hyderabad in the south to Lodiana in the north.
The owner of the Internet cafe and the bleeding-skin worker are the top end of the self-employed: they also understand employers. However, the largest proportion of self-employed workers in the country are so-called domestic workers, self-employed or who produce a contractor / subcontractor, part of a long value chain. According to the 1999-2000 surveys, there are about 29 million households dependent on this industrial work. While many are women, Agra today has the second highest proportion of self-employed men in India, after Varanasi, where 757 of the 1,000 workers were self-employed in 2004-2005.
Also Visit: Street Entrepreneurs of India
0 notes
Text
India has a hole where its middle class should be#MohnishAhluwaliaNotes
That should worry both government and companies AFTER China, where next? Over the past two decades, the world’s most populous country has become the market qua non of just about every global company seeking growth. As its economy slows, businesses are looking for the next set of consumers to keep the tills ringing. To many, India feels like the heir apparent. Its population will soon overtake its Asian rival’s. It occasionally grows at the kind of pace that propelled China to the status of economic superpower. And its middle class is thought by many to be in the early stages of the journey to prosperity that created hundreds of millions of Chinese consumers. Exuberant management consultants speak of a 300m-400m horde of potential frapuccino-sippers, Fiesta-drivers and globe-trotters. Rare is the chief executive who, upon visiting India, does not proclaim it as central to his or her plans. Some of that may be a diplomatic dose of flattery; much of it, from firms such as IKEA, SoftBank, Amazon and Starbucks, is sincerely meant. Hold your elephants. The Indian middle class conjured up by the marketers and consultants scarcely exists. Firms peddling anything much beyond soap, matches and phone-credit are targeting a minuscule slice of the population . The top 1% of Indian adults, a rich enclave of 8m inhabitants making at least $20,000 a year, equates to roughly Hong Kong in terms of population and average income. The next 9% is akin to central Europe, in the middle of the global wealth pack. The next 40% of India’s population neatly mirrors its combined South Asian poor neighbours, Bangladesh and Pakistan. The remaining half-billion or so are on a par with the most destitute bits of Africa. To be sure, global companies take the markets of central Europe seriously. Plenty of fortunes have been made there. But they are no China. Centre parting Worse, the chances of India developing a middle class to match the Middle Kingdom’s are being throttled by growing inequality. The top 1% of earners pocketed nearly a third of all the extra income generated by economic growth between 1980 and 2014, according to new research from economists including Thomas Piketty. The well-off are ten times richer now than in 1980; those at the median have not even doubled their income. India has done a good job at getting those earning below $2 a day (at purchasing-power parity) to $3, but it has not matched other countries’ records in getting those on $3 a day to earning $5, those at $5 a day to $10, and so on. Middle earners in countries at India’s stage of development usually take more of the gains from growth. Eight in ten Indians cite inequality as a big problem, on a par with corruption. The reasons for this failure are not mysterious. Decades of statist intervention meant that when a measure of liberalisation came in the early 1990s, only a few were able to benefit. The workforce is woefully unproductive—no surprise given the abysmal state of India’s education system, which churns out millions of adults equipped only for menial work. Its graduates go on to toil in small or micro-enterprises, operating informally; these “employ” 93% of all Indians. The great swell of middle-class jobs that China created as it became the workshop to the world is not to be found in India, because turning small businesses into productive large ones is made nigh-on impossible by bureaucracy. The fact that barely a quarter of women work—a share that has seen a precipitous decline in the past decade—only makes matters worse. Good policy can do an enormous amount to improve prospects. However, hope should be tempered by realism. India is blessed with a deeply entrenched democratic system, but that is no shield against poor decisions. The sudden and brutal “demonetisation” of the economy in 2016 was meant to target fat cats, but ended up hurting everybody. And the path to prosperity walked by China, where manufacturing produced the jobs that pushed up incomes, is narrowing as automation limits opportunities for factory work. All of which means that companies need to deal with the India that exists today rather than the one they wish to emerge. A strategy of waiting for Indians to develop a taste for products that the global middle class indulges in—cars as income per head crosses one threshold, foreign holidays when it crosses the next—may lead to decades of frustration. Only 3% of Indians have ever been on an aeroplane; only one in 45 owns a car or lorry. If nearly 300m Indians count as “middle class”, as HSBC has proclaimed, some of them make around $3 a day. Big market, smaller opportunities Companies would do better to “Indianise” their business by, for example, peddling wares using regional languages preferred by hundreds of millions of Indians. Pricing matters. Services proffered at the same price in India as Indiana will appeal to mere millions, not a billion. Even for someone in the top 10% of Indian earners, an annual Netflix subscription can cost over a week’s income; the equivalent in America would be around $3,000. Apple ads may plaster Mumbai, Delhi and Bangalore, but for only one in ten Indians would the latest iPhone represent less than half a year’s salary. The biggest consumer hits in India have been goods and services that offer stonking value: scooters and mobile telephony have grown fast, but only after prices tumbled. The sharpest businesses work out which “enablers” will allow Indians to gain access to new goods. Electrification drives demand for fridges. Cheap mobile data (India is in the midst of a data-price war that has hugely benefited consumers) are a boon to streaming services. Logistics networks put together by e-commerce giants are for the first time making it possible for a consumer in a third-tier city to buy global fashion brands. A surge in consumer financing has put desirable baubles within reach of more Indians. Insofar as it is the job of politicians to create a consumer class, successive Indian governments have largely failed. Businesses hoping the Indian middle class will provide their next spurt of growth should be under no illusion. Companies will have to work very hard to turn potential into profits. #MohnishAhluwaliaNotes
via Blogger http://ift.tt/2DIhHjv
0 notes
Text
List Of 150+ Biggest Accounting Firms
1. PwC
At PwC, our purpose is to build trust in society and solve important problems. We’re a network of firms in 157 countries with more than 223,000 people who are committed to delivering quality in assurance, advisory and tax services. Find out more and tell us what matters to you by visiting us at www.pwc.com. In India, PwC has offices in these cities: Ahmedabad, Bengaluru, Chennai, Delhi NCR, Hyderabad, Kolkata, Mumbai and Pune.
2. Deloitte
“Deloitte” is the brand under which tens of thousands of dedicated professionals in independent firms throughout the world collaborate to provide audit & assurance, consulting, risk and financial advisory, risk management, tax, and related services to select clients. These firms are members of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (“DTTL”). Each DTTL member firm provides services in particular geographic areas and is subject to the laws and professional regulations of the particular country or countries in which it operates.
3. EY
At EY, we are committed to building a better working world — with increased trust and confidence in business, sustainable growth, development of talent in all its forms, and greater collaboration. We want to build a better working world through our own actions and by engaging with like-minded organizations and individuals. This is our purpose — and why we exist as an organization. Running through our organization is a strong sense of obligation to serve a number of different stakeholders who count on us to deliver quality and excellence in everything we do. We want to use our global reach and scale to convene the conversation about the challenges facing economies and the capital markets. When business works better, the world works better. Learn more about our commitment to building a better working world.
4. KPMG
With a worldwide presence, KPMG continues to build on our member firms' successes thanks to our clear vision, maintained values, and our people.
5. Grant Thornton UK
We’ve embedded the purpose through three areas where we believe we can make the most impact, and have the track record, skills and connectivity to achieve it:
Building trust and integrity in markets
Unlocking sustainable growth in dynamic organisations
Creating environments where businesses and people flourish
6. RSM
We've chosen to set our reputation alongside a bold purpose – by unlocking the potential for growth in our people, clients and our communities we believe we can help shape a vibrant economy where businesses and people can flourish.
7. Moore Stephens
In today's global marketplace, change is unrelenting. Dealing with it successfully requires vision, flexibility and the support and knowledge of specialists. Our aim is to not only ensure that our clients embrace change, but prosper from it.
8. Mazars
Mazars a different player in auditing, accounting, tax and advisory services in India. Mazars is a leading independent and integrated international organization, which specializes in providing assurance, tax and advisory services. It is also among the leading organizations providing professional services to large international corporate, SMEs and individuals in India.
9. PKF UKI
PKF is a global family of legally independent firms bound together by a shared commitment to quality, integrity and the creation of clarity in a complex regulatory environment. We provide world-class analysis and clear solutions in Assurance, Advisory, Taxation and Business Services for companies around the globe.
10. Saffery Champness
Since Saffery Champness was founded in 1855, experience has taught us how long-term planning can be the single biggest factor in achieving your financial, business and personal ambitions. Our people are experienced professionals who understand the importance of getting the right tax and financial structures in place for you, in good time.
11. Haines Watts
Haines Watts is a Top 15 firm of chartered accountants who specialise in advising and supporting business owners. We support over 35,000 companies and business owners around the UK, which gives our clients access to a huge amount of business expertise and knowledge. Our fresh thinking and practical business approach underpin our value
12. Crowe Clark Whitehill
Crowe Clark Whitehill LLP is a national audit, tax and advisory firm. We are the UK member of Crowe Horwath International, the eighth largest global professional services network with 200 independent member firms operating from offices around the world. We are trusted by thousands of clients for our head for figures, our specialist advice, and our readiness to give our clients added value.
13. UHY Hacker Young
The UHY Hacker Young Group is an ambitious and growing network of UK chartered accountants. We pride ourselves on providing you with an attentive, personal service. And while we are growing in size we can guarantee you that our high service levels remain unchanged.
14. MHA MacIntyre Hudson
We are MHA MacIntyre Hudson, a firm of chartered accountants, tax and business advisers, and we partner with entrepreneurs and individuals interested in profitable growth. From offices across the country, we provide a full range of financial and business strategy services to enterprises and individuals in the UK, helping them to achieve growth and success for the long term. With understanding and inspiration, we help businesses achieve goals, and help individuals create sustainable wealth for future generations.
15. Begbies Traynor Group
Begbies Traynor is the UK’s leading Corporate Rescue and Recovery practice. We provide our services via a nationwide network of 48 offices, with clients ranging from small businesses and professional advisers to large corporations and financial institutions. The Group serves its clients via an extensive UK office network and through our international association of approved partner firms which enables us to draw together specialist teams from around the world to meet specific cross-jurisdictional challenges.
16. Kingston Smith
Kingston Smith has been helping clients build their business for more than 90 years. As chartered accountants and business advisers, we work with clients to understand their potential and ambitions, and provide all the information and support they need to achieve them. Most of our commercial client businesses are managed by the people who own them. We have 60 partners and more than 500 professional staff focused in and around the London/South East region, where our commitment to the more entrepreneurial types of business has created long-lasting successes. Outside the UK, our founder membership of Morison KSI offers our clients the strength and experience of 85 partner offices to support their international reach. That combination of geographic knowledge, commercial expertise and client empathy has given us a great track record in helping clients open and grow their business in the UK.
17. Wilkins Kennedy
Wilkins Kennedy LLP Chartered Accountants and Business Advisers provide a full range of accounting and business advisory services to a diverse range of businesses and individuals across the UK and abroad. Established in 1882 as a single regional office, the firm has expanded to 17 regional offices based in the South of England plus an office in the Falkland Islands, with a turnover of £47 million, 74 partners and over 600 members of staff.
18. TaxAssist Accountant
We enjoy meeting business owners and self employed people who are looking to get the most out of their accountant and we are well placed to advise you of the best tax position you could be in.
19. Buzzacott
At Buzzacott we define ourselves by the needs of our clients. These needs range from those of nuns to those of hedge fund managers. We define ourselves by the needs of our clients. These needs range from those of nuns to those of hedge fund managers. The relationships we build are both personal and enduring. They are founded on continuity of personnel, ease of access and a depth of specialist knowledge that in certain key areas leads the industry.
20. FRP Advisory
We, like many of our clients, are an entrepreneurial firm operating in a rapidly evolving business world. We understand what it’s like to own and manage a business. We too have had to evolve and adapt. This means that we have a high level of empathy and understanding which is so essential when tackling strategic issues and when making complex business decisions. We understand the ambitions, drivers and frustrations of businessmen and women and we have a deep appreciation of both the economic and personal risks that you experience.
21. HW Fisher & Company
HW Fisher & Company is a commercially astute organisation with a personal, partner-led service aimed at entrepreneurial small, medium enterprises (SMEs), large corporates and high-net worth individuals. Our clients come from many different backgrounds and are active in all branches of commerce and industry. Our reputation is grounded in quality, delivering premium advisory services efficiently and cost-effectively.
22. haysmacintyre
We are a leading mid-tier firm of Chartered Accountants and tax advisers in central London, providing advice to entrepreneurs, fast-growing and owner-managed businesses, charities and not for profit organisations across the UK and internationally. We help our clients solve problems, grasp opportunities and achieve their goals. Our corporate social responsibility programme is an important step in ensuring we work with our clients, employees and other stakeholders, to better support our local community and reduce our impact on our environment. We’re committed to operating our business in an ethical manner that is both sensitive and responsible with proper regard to our legal obligations and abiding to relevant directives, regulations and codes of practice. To read a copy of our CSR policy click here.
23. Anderson Anderson & Brown
We are a long established firm with a depth of capability, experience and resource to meet your needs locally, nationally and internationally. Through our extensive service offering, our team is focused on providing the services that you need, when you need them, to help you grow and improve your business. It’s not about us – it’s about you. By working with us, you'll receive a personalised service geared to your business and delivered by a team of professionals seeking to add value. Our purpose is to support our client’s ambitions through the Plus Factor, working in partnership with them to pioneer integrated advisory solutions. The Plus Factor captures what we aim to do for our clients across the life of the relationship.
24. SJD Accountancy
SJD Accountancy are the UK's largest specialist provider of fixed fee, Limited company accountancy services to contractors, freelancers and small to medium sized businesses; we've been acting for contractors across the UK since 1992 and have more than 15,000 clients. We are deemed IPSE Accredited Accountants and fully MSC compliant and are the only National specialist firm of accountants with offices across the UK. SJD also have more qualified staff than any other firm in our market with qualifications from the following major tax and accountancy bodies - ATT, AAT, CTA, ACCA, CA, ACA and FCCA.
25. Frank Hirth
The firm was established in 1975, originally as Frank Hirth & Co - a firm of Chartered Accountants, and offered general accounting and tax services with a particular emphasis on US and UK tax compliance. It quickly became apparent that we were building an in-depth technical knowledge of the interaction between the US and UK tax jurisdictions and we used that knowledge to advise our clients through their complex tax issues.
26. Hazlewoods
Our practice was founded in 1919 by Marcus Hazlewood. Working from offices in Cheltenham he developed a thriving business. Today, the firm is one of the UK’s Top 30 independent Chartered Accountants and Business Advisers, and renowned for real specialism in our chosen fields. With over 300 staff in two offices across Gloucestershire, we are proud to be a very strong regional practice with both a national and international reach. Many of our specialists have a UK wide reputation. We also enjoy what we do, and are very straightforward to deal with.
27. Armstrong Watson
We’re here to work with you on the performance of your business, understanding every part of the operation, your people, processes, current status and forecasted plans. Our role is to share in your vision, to work with you as you progress towards identified goals, to support and guide you towards finding key areas of opportunity, efficiency and growth. Focused enough to provide a truly tailored service; large and experienced enough to work alongside any size of business. Our commitment to our clients means we build trust fast; we define our actions, always agree terms and provide regular communication on expected measured outcomes.
28. Bishop Fleming
Bishop Fleming Chartered Accountants is a leading UK accounting firm. We’re wholly committed to providing businesses, and individual clients, with the full range of pro-active support and advice. Our teams include some of the region’s top experts in Personal Tax, Corporate Finance, Business Recovery and Insolvency, Business & International Tax, Payroll Services, Forensic and Litigation Support, Grant Services, VAT Advice, Audit and Assurance Accounts. We have developed specialist teams with expertise in the key business sectors for the South West and West Midlands areas.
29. Duncan & Toplis
Established in 1925, Duncan & Toplis has grown into one of the largest independent firms of chartered accountants in the East Midlands region. Our 11 Offices are located in Lincolnshire (Boston, Grantham, Lincoln, Louth, Skegness, Sleaford, Spalding, and Stamford), Leicestershire (Loughborough and Melton Mowbray), and Nottinghamshire (Newark).
30. Barber Harrison & Platt
We are the largest independent firm of Chartered Accountants in Yorkshire and North East Derbyshire. We strongly believe that we can help you to meet your objectives, offering you the benefits that mark us out as the pre-eminent accountancy practice in our region.
31. Larking Gowen
We are a major regional independent partnership and one of the UK’s top 40 accountancy firms. We have eight offices throughout Norfolk, Suffolk and Essex and a team of around 300 people. As well as providing a professional accountancy service, we aim to build relationships of trust and support with every client. We have experience and expert knowledge across a wide range of services and sectors as well as specialist teams in corporate transaction, personal tax, VAT, business strategy and support and business recovery and Insolvency Advice.
32. Old Mill
Old Mill is an award winning business success story. Formed by a buyout in 2006 the practice has more than doubled in size since then through organic growth. We now have four offices across the West Country in Yeovil, Wells, Exeter and Melksham and look after over 5,000 private and business clients. We have 250 highly trained and qualified staff offering service at the highest level. For you and your family and your business Old Mill offers a personal but comprehensive range of professional service and advice where you as a client are at the centre of our attention. Whatever your financial or business needs please come to Old Mill to explore how we can help you. Our first meeting is at our cost and without obligation and we pride ourselves in providing constructive solutions.
33. Lovewell Blake
As well as being the oldest accountancy firm retaining its original name, Lovewell Blake is also one of the most innovative in serving clients. With specialist teams covering the needs of particular professions and business sectors, we offer over 12 specialism’s and serve more than 10,000 business, private and charity and not-for-profit clients throughout East Anglia and beyond.
34. SRLV
SRLV is a medium-sized, independent firm of Chartered Accountants and business advisors based in the heart of London’s West End. From a two partner firm at its inception in 1988, the practice has developed and grown to be one of the top 50 firms in the UK with 15 partners and over 130 professional and administrative staff. Organic growth and strategic acquisitions have brought the firm to the size it is today, but the core of our success is our underlying passion and commitment to build strong client relationships. Whether advising individuals, owner-managed businesses, listed companies, or international entities, our goal is to work closely with our clients and help them achieve their ambitions. The firm has developed over the past 29 years by offering a mix of energy, enthusiasm and expertise to an ever increasing client base. SRLV operates from offices in New Bond Street, London, W1.
35. Forrester Boyd
Forrester Boyd is one of the largest independent chartered accountancy practices in Lincolnshire and the Humber region. Established in 1935, our growth has been based on a simple philosophy. We recognise that the needs and circumstances of our clients are all different and that every client deserves a truly personal service.
36. Mercer & Hole
Mercer & Hole is a modern firm with roots established in 1905 by the founding partner, William Mercer. Mercer & Hole has four offices (London, St Albans, Rickmansworth and Milton Keynes) and 20 partners who each work very closely with their clients on a day-to-day basis. We are known for being friendly and approachable and we take a great deal of pride in providing a personal, partner-led service to our clients. By really getting to know our clients and understanding their financial affairs, we are able to present them with practical solutions, which tackle their current concerns as well as enabling them to plan for the future.
37. Barnes Roffe
Choosing an accountancy firm that is right for you matters - you need to believe in the credibility of their solutions and feel confident that what they claim is attainable. Using IT to leverage our staff’s skills has been a major differentiator in Barnes Roffe’s success.
38. Moore & Smalley
MHA Moore and Smalley is a leading independent provider of accounting, business advisory and wealth management services. We have offices in Preston, Blackpool, East Midlands, Kendal, Kirkby Lonsdale, Lancaster, Liverpool, Manchester and Southport, with over 300 partners and staff advising clients across the UK. We are also part of a global network of firms, helping clients with international trade matters. We are also part of a UK wide association of independent accountants and business advisers who share 50 offices nationwide. In October 2017 we adopted the prefix of our national network to emphasise our shared common values and goals, with a view to expand our reach both nationally and internationally.
39. Lubbock Fine
Lubbock Fine is a UK top 50 chartered accountancy firm. Founded in 1929, we continue to drive ourselves forward as the demands of the business and commercial environment develop and the needs of our clients evolve. But there's more to staying in business than staying one step ahead of commercial progress and we believe that it's not just our expertise but also our integrity and imagination that's key to our success.
40. Carter Backer Winter
An award winning full service City accountancy firm with only 21 partners and a team of over 150 professionals, we are a firm that is small enough to care about you and your business, but big enough to create opportunities for our clients. We ensure information and expertise is readily shared across CBW and that all of our clients receive a consistent, personal service. We believe it takes close relationships to build confidence and confidence enables our advisors to support clients with tailored solutions, proactively and quality care.
41. Thomas Westcott
We are one of the largest independent accountancy practices in the South West with 18 offices across Devon and Somerset. We have 30 partners and 220 staff. Some have backgrounds in major international accounting firms, others are drawn from other leading regional firms and, of course, we have our own home grown talent. We act for a wide variety of clients ranging from individual tax return cases to businesses operating in local, national and international markets. We have built teams who hold a wide range of professional qualifications and specialisms in both sectors and services. Vigorous training programmes are maintained to ensure that skills are continuously developed and updated, ensuring that we can provide our clients with the relevant and up to date business advice that they need.
42. Scott-Moncrieff
Scott-Moncrieff advises high calibre clients, working across all sectors in Scotland and beyond, offering expert business insights at every opportunity. An established name we are the oldest accountancy firm in Scotland - with a client still with us from 1792. Scott-Moncrieff is one of Scotland’s leading independent firms of chartered accountants and business advisers. Our expertise encompasses financial assurance, risk management, improving performance, taxation and wealth management. Accuracy and attention to detail are a given. But we’re also open-minded, flexible and forward thinking.
43. Silver Levene
Across the practice we see a multitude of different clients from a huge range of businesses, which allows us to have a perspective on the economy and trends in each particular market and how it affects our clients. We are particularly knowledgeable in our niche areas and many clients seek our opinions on their business beyond just the financial reports. Our approach is really simple; we work hard to be damn good accountants and business advisors and we operate in a culture of optimism. Over the last 60 years that’s served us well. We’ve become a top 50 accounting firm and the largest ACCA practice in the UK and developed a portfolio of clients ranging from SMEs to Blue Chip Corporates to self-employed individuals and celebrities.
44. Ensors
Established in 1889, Ensors is one of East Anglia's oldest and most respected firms of Chartered Accountants. But don't just take our word for it - see what some of our clients have to say about us by looking at the results of our Client Satisfaction Survey.
45. Smith Cooper
Over the last 30 years, Smith Cooper has become one of the largest independently owned and preferred accountancy and business advisory firms for owner managed businesses across the Midlands. We specialise in providing bespoke advisory services to both corporate and individual clients wanting a long term relationship. We offer a broad range of services – from tax matters to IT systems and responds to our clients’ needs in an intelligent, efficient and cost-effective manner.
46. Rothmans
With Rothmans, everyone counts. You get the financial knowledge and expertise of the whole firm. Everyone is here to help you understand your finances and get the most from your working relationship with us. Recording, reporting, advising - everyone at Rothmans has an important role to play; from the first person you speak to, to your personal advisor. Most of all, your business comes first.
47. BKL
We’re a firm of chartered accountants and tax advisers with over 180 people operating out of two offices, London and Cambridge. Our clients come from virtually every business sector, but tend to have an ambitious, entrepreneurial spirit in common. We work with everyone from freelancers and high net worth individuals to businesses with a turnover of up to £100m.
48. Beever and Struthers
Beever and Struthers is an award winning firm of Chartered Accountants and Business Advisors in Manchester, Blackburn and London. We have been providing accountancy and financial advice to clients for over 100 years and currently rank in the Top 10 firms in the North West. The Firm comprises of 21 partners, all of whom are specialists in their chosen field of expertise. They are supported by an enthusiastic team of directors, managers and support staff who work in partnership with our clients.
49. Shipleys
Our approach is to get to know our clients, their objectives and priorities, to build up a close personal relationship over time. We believe that this relationship combined with our professional expertise and enthusiasm is the foundation for providing the service which is 'right' for each client. We’ll also introduce you to other useful contacts when you need them. And our help is not limited to the UK – as an active member of AGN International, we can look after you across the globe. Our professional services include accounting, audit, tax and others you’d expect, as well as a variety you might not.
50. French Duncan
French Duncan is a long established, award winning, independent firm of chartered accountants and business advisors, headquartered in Scotland and working with clients throughout the UK as well as internationally. French Duncan was formed way back in 1902 as French & Cowan and has evolved and grown significantly over the last century through a series of amalgamations. Most recently, we merged with Stirling based Macfarlane Gray in November 2012 and are now one of the largest mid-tier accountancy practices in Scotland.
51. Henderson Loggie
We understand how companies and organisations of all sizes work and we see at first hand the effort that goes into making them a success. We pride ourselves on our approachable, straightforward and collaborative style of working, drawing on a wide range and depth of service and sector expertise to deliver practical, commercial and effective solutions for clients.
52. Beavis Morgan
Beavis Morgan is the specialist accounting, tax, restructuring and business advisory group for owner-managed businesses and entrepreneurial thinkers. Everything we do is focused on delivering this through experienced professionals who will ensure that your expectations and requirements as a client are met or, as clients often tell us, are exceeded. We work hard to provide quality advice, tailored to your circumstances. Understanding you, your family, your business, and your ambitions is central to what we do. Let us take care of the important financial housekeeping, thereby freeing up a little more of your time to concentrate on continuing to build your business.
53. Goodman Jones
We know that now more than ever, you need better, smarter approaches to working. Helping you to improve your financial performance means collaboration, regular contact and quality conversations to ensure that we get to know and understand the highly specific needs of your organisation. More particularly this may involve working with our tax partners or consultants to ensure your business is well structured. It may involve hands-on support in dealing with the banks. You may find you need access to our network of contacts if you are looking to tap into the international markets. Or perhaps you may require the very specialised support needed when acquiring a business.
54. Mitchell Charlesworth
Mitchell Charlesworth, Chartered Accountants and Business Advisors, offer a locally based, complete financial solution for businesses and individuals in Chester, Liverpool, Manchester, Warrington and Widnes Our large portfolio of services are based on partner-led, personal relationships which ultimately will give you and your company peace of mind and greater profitability.
55. Rickard Luckin
Expert Chartered Accountants and Tax Advisers have made us unique in working with you. We have built a team of experts across all areas of accountancy and tax so we can provide the best advice and support for our clients. However, as an independent company, we still provide the level of personalised service you might expect from a small firm. We will help you choose the services you require, anything from advice about growing your business or optimising your personal finances to routine bookkeeping, accounting and auditing. We work as your partner to gain the best results for your business.
56. Brebners
We believe we can help your business, whatever your needs are and however they change over time. We are large enough to have experts in all accountancy and tax matters, but without losing the personal touch that makes us unique. With more than 80 years’ experience, we can offer dynamic, imaginative solutions to solve your problems in fresh ways.
57. HJS Solutions
“Our purpose is to make our clients’ lives easier and give them the time to do what it is they enjoy.” At HJS we have a vision. We would like to empower business owners to enable them to run their businesses whilst HJS deal with all the external interferences that all too often burden the entrepreneur with red tape and bureaucracy. Whilst the business owner focuses on the business, HJS will help deal with Accountancy and Taxation, Personal Financial Planning, HR, Recruitment and Health and Safety, Bookkeeping, Payroll and Auto Enrolment.
58. Taylorcocks
Taylorcocks is an Accountancy Age ‘Top 100’ firm of chartered accountants and chartered tax advisers who specialise in the provision of bespoke high quality accountancy and taxation solutions. Our expert knowledge and experience has enabled us to provide our clients with the highest quality financial solutions designed to meet the unique needs of our clients'. It is this proactive and tailored solutions approach that ensures we can meet the needs of our clients and allow them to remain functional, compliant and most of all profitable. Our proactive accountancy services boost our client’s bottom line and help them to make the right decisions now and for the future.
59. Milsted Langdon
We wouldn’t help our clients succeed unless we can demonstrate that we can be successful ourselves. That’s why we’re proud of our achievements and have helped many clients succeed since Milsted Langdon was founded in 1988. Today we’re one of the UK’s Top 100 accountancy firms but we’re still true to our core values. We owe our growth to recommendations and referrals from those who have seen the benefits of our positive and down to earth advice. Our size means that we are big enough to offer a wide range of specialisms but we remain committed to helping even the smallest client. That’s not just because we care about them all equally but also because we recognise that today’s smallest client may one day be our largest.
60. Crunch
We're so much more than just accountants. We started with a simple purpose: to make you successful. We wanted to help fledgling entrepreneurs earn a living doing something they're really passionate about, and to make it easier for people to get the absolute most out of running their own business. It's a journey we've been on ourselves. We took a business idea by the horns, and now we're in the privileged position of being able to help tens of thousands of others to do the same. Our success has heart and soul behind it, and we want you to have the same.
61. EQ Accountants
EQ Chartered Accountants is a modern, energetic accounting practice. We aim to inspire, encouraging you to consider your vision and realise your ambitions. We are one of the 20 largest accounting practices in Scotland, with over 100 staff, including 15 partners, based in our four offices in Tayside and Fife and we welcome your interest in EQ.
62. RDP Newmans
Since the earliest days of RDP Newmans, providing our clients with a first rate service has been at the heart of what we do. When you work with us, you’ll find we are… We are flexible, down to earth and dedicated to building and developing an effective working relationship with you. We use the latest software and systems for fast, efficient information management and communication, but we’ll always communicate with you in the way you feel most comfortable.We are always looking for ways to expand and tailor our services so that we continue to meet the changing demands of today’s business world. We enjoy the challenge of exploring innovative ways to maximise your future business opportunities.
63. BSG Valentine
Established for over 25 years BSG Valentine is a provider of audit, tax and advisory services. However, our roots go back further than that. Our clients are from all sectors and specialisms. We work with entrepreneurs and high net worth individuals from all over the world, large property portfolio businesses, global sports stars, and a growing number of listed companies. We provide a vast range of accountancy, audit, tax and advisory services, and we believe in a partner led approach, whereby a personal service will be delivered at all times.
64. Ecovis Wingrave Yeats
Ecovis Wingrave Yeats is a 7 Partner firm of Chartered Accountants and Business Advisors based in Soho, the heart of London. We pride ourselves on being commercially minded specialists that build lifelong partnerships with clients. We engage in a way you understand and appreciate, often working as an extension of the business to deliver services focused on helping your business thrive. From accountancy to business advisory and tax advice, we have specialist expertise across a number of sectors to truly contribute to the success of your business.
65. Broomfield & Alexander logo
We are the leading independent accountancy firm in Wales providing accountancy and professional advisory services to individuals and businesses for over 100 years. We retain a local and regional presence with offices in Cardiff, Newport, Swansea and Monmouth which helps to ensure our clients are supported with the services they need to succeed in the ever changing commercial world.
66. Churchill Knight & Associates
Churchill Knight’s purpose is to help independent professionals succeed by providing specialised and tailored accounting and payroll services. We believe in maintaining the human aspect of accounting whilst providing our clients with a high-end, high-tech service unrivalled by online accounting software providers. We started with the goal to meet the growing demand for specialist contractor accountants, and have played a role in the exponential growth of the contractor industry in the UK since 1998.
67. Bennett Brooks & Co
We are in the Top 100 Chartered Accountancy Practices in the UK and were voted best Mid-sized practice in the Accounting Web awards in November 2011. Based in the North West we have offices in Northwich, Mold, Macclesfield, Llandudno and London. We pride ourselves on client care and innovation, servicing a wide range of industries.
68. Nixon Williams
Nixon Williams has been providing specialist accountancy services to contractors, freelancers, consultants and interim professionals throughout the UK since 1995. We pride ourselves on being our clients accounting partner and providing the very best in accountancy advice and knowledge. This is why 98% of our accounts staff are qualified or studying towards qualifications from the following accountancy bodies: ATT, AAT, ACCA, CTA, with many also IPSE accredited. At Nixon Williams our low-cost, fixed fee accountancy packages take care of all our clients’ business and personal taxation needs. We currently have clients on our books who are working as contractors across a range of industries including IT, Finance, Engineering, Management Consultancy and Healthcare.
69. LB Group
LB Group Chartered Accountants are a top 75 Firm in the UK of Accountants providing Audit, Tax and Advisory Services across a variety of industries. With offices in London, Chelmsford, Colchester and Ipswich our partner led approach with fixed fee options provides a professional and proactive service to both business and personal clients.
70. The MPA Group
At MPA we have a team of seasoned experts who have deep industry experience. We assign analysts whose background and expertise matches your industry.
71. Raffingers
Our aim is to change your life – whether that is through giving you peace of mind through our robust reporting and forecasting tools or giving you back valuable time with our cloud services, we are always there for you. To achieve this mission, we invest in our passionate, proactive and reliable team to deliver the best client experience each and every time.
72. Rouse Partners
We are an independent, award-winning firm of chartered accountants, auditors and tax advisors based in Buckinghamshire, and supporting businesses and individuals across London and the South East. First established in 1923, we have worked with a wide range of businesses and individuals, giving us valuable skills and experience. Our team offers a full suite of services for SMEs, individuals and entrepreneurs. We also offer compliance and audit services through Rouse Audit LLP, giving corporate clients the confidence and assurance they need. We are ranked in Accountancy Age’s Top 100 UK accounting firms.
73. Jackson Stephen
We’re a very well-established chartered accountancy and business advisory firm, based in Warrington. We are a multi-partner practice and have a highly qualified team. Our clients are an interesting mix, mostly mid-range, owner-managed companies in the North West involved in a diverse range of industries and sectors. We get more involved with our clients’ business and personal affairs than some of the more formulaic firms. We are experts in corporate transactions.
74. Creaseys
We're accountants, advisors, partners and collaborators. We're a level-headed bunch, and for almost 150 years we've prided ourselves on giving forward-thinking advice that gets real results. Whether you're looking for business advice or personal support, you can rest assured that our expertise will always be tailored to overcome your challenges and meet your goals.
75. Grunberg & Co
Grunberg & Co was created in 1990 and has grown rapidly to become an established accountancy firm. This growth has been solely through recommendations and we are now one of the leading practices for owner managed businesses in North London.
76. Howard Worth
Since Howard Worth was founded in 1953, our Nantwich, Northwich and throughout Cheshire accountancy firm has consistently grown and developed. Today we are a practice of eight partners and more than 80 accountancy, business advisory and tax professionals. A key part of our approach is to look for opportunities to enhance and expand our services to clients including start-up, expanding, family and corporate businesses. So alongside the comprehensive accountancy, business advisory and tax services we provide, we also offer access to additional expertise, at home and overseas, through our membership of the UK200Group, the UK’s leading mutual professional association of independent, quality chartered accountants and lawyers.
77. Whitley Stimpson
Whitley Stimpson, Chartered Accountants and Business Advisers who work in partnership with you to ensure you achieve your aims, with offices in Banbury, Bicester, High Wycombe and Witney. We seek to provide a friendly, highly effective personal service, providing straightforward advice based upon our deep knowledge and expertise.
78. Ellacotts
We are an experienced and skilled provider of accounting, tax and business advice services, helping businesses improve their performance and individuals plan for the future. Our dedicated teams of specialists are knowledgeable and well-informed, approachable and practical. Having been in business for over fifty years we have developed particular expertise across a number of sectors and we have the experience to know what works and what doesn’t. We work closely with our clients to deliver carefully planned, clever solutions that are bespoke to their circumstances.
79. Wilder Coe
Wilder Coe commenced business on 23 October 1974 and has consistently provided outstanding services to clients from the heart of the West End of London for more than 40 years, supporting their development through knowledge, skill and personal attention. Wilder Coe continues to maintain a strong reputation as a highly professional practice providing the very best in expert advice and business solutions. The firm’s passion, integrity and honesty in dealing with individuals and businesses of all sizes across a range of industries are the basis of the firm’s ethos. We recognise people and relationships as an integral part of the fabric of every organisation. We have a diverse range of clients, from small local businesses to large multinationals, in a large number of industries for tax related services.
80. Moore Thompson
Moore Thompson has been helping people like you to build successful businesses and personal wealth for more than 80 years. From offices in Spalding, Wisbech and Market Deeping, we work with business people and private clients across the East of England, providing services including accountancy, business development advice and tax compliance and planning. We add extra value with specialist services including independent financial advice from our sister firm, MT Financial Management.
81. WSM Partners
WSM is a top 100 UK accounting practice delivering professional services in its specialist fields. The firm is primarily driven by its UK taxation services which are provided to clients who are looking for an advisor with knowledge to navigate the UK’s complex tax systems, combined with integrity to deliver the optimum tax outcome.
82. HURST
We help people whose business means everything to them, people with the energy and ambition that means we just can’t help but live and breathe their business. We’re great at all the number crunching, but it’s our strategic acumen that makes us unlike any other accountant.
83. Wellden Turnbull
We have a wealth of experience to help you achieve more. Establishing a strong, personal and direct relationship with both our personal and business clients is important to us. Our aim is to help you by listening to your needs and responding quickly with relevant advice and bespoke business solutions. We also provide perspective on your thoughts, plans and decisions that affect your business and its direction, as well invaluable assistance regarding your personal tax situation.
84. PM+M
Together, we are PM+M Chartered Accountants. Our team includes professionals in accountancy, tax, corporate finance, wealth management, and technology as well as business sector specialists. Our 88 team members are split between three offices in Blackburn, Burnley and Bury. Formed almost a century ago, we’ve worked with a wide range of companies and individuals over the years, giving us a vast wealth of skills and experience in all areas. This allows us to specialise in providing a personal service and advice tailored to you.
85. Begbies Chartered Accountants
Begbies is one of the oldest independent accountants in England and perhaps the oldest firm in continuous existence which still uses its founder’s name. A testament to the quality of our service is that a large number of our clients have been with us through the decades. One of our earliest clients, a firm of solicitors in Gray’s Inn, has been with Begbies since the mid-1850s. We are immensely proud of our heritage but are also forward thinking and focused on the challenges and opportunities of the future.
86. Simpkins Edwards
Over four decades of experience means we know our profession inside out. Established by John Simpkins and Gordon Edwards in 1968, Simpkins Edwards provides the full spectrum of accountancy, business advice and tax consultancy services to a wide variety of businesses and individuals, many of whom come to us as a result of personal recommendations. Take a look at our testimonials to find out why.
87. Lamont Pridmore
At Lamont Pridmore Chartered Accountants, we combine traditional values with a forward-thinking, innovative approach to the constantly evolving demands of the modern business world. We focus on the future rather than the past, starting where other firms finish. As award-winning, tax advisors, business specialists and Chartered Accountants in Cumbria, at Lamont Pridmore, we are committed to developing close relationships with each of our clients, ensuring that we are able to provide a greater range of services than traditionally associated with accountants.
88. Charterhouse
Founded in 1611, Charterhouse is one of the great historic public schools of England. With four centuries of history behind it, the School is committed to being at the forefront of educational progress in the twenty‑first century. The School moved to its present magnificent 250 acre site near Godalming, Surrey in 1872. Building on the success of the Sixth Form – where girls have flourished since 1971 – the School is moving to full coeducation from the age of 13. We look forward to welcoming our first girls into Year 9 in September 2021, the year in which we will celebrate half a century of girls at Charterhouse. There will be girls in every year group from September 2023.
89. CBIZ
Growth and Success. Efficiency and Profitability. It’s likely these goals are top priorities for your business. It’s also likely that the daily distractions of financial and employee issues diminish your ability to focus on those goals. CBIZ enables you to dedicate your time to critical business matters by providing custom solutions that help you manage your finances, your risk and your employees. We offer clients exceptional quality and diverse capabilities in Accounting and Tax, Insurance, Payroll and Human Resources, as well as a suite of specialized consulting services and solutions – all with a single focus: your success.
90. Plante & Moran
Our dedication to exceptional client service is over 90 years in the making. Whether it’s culture, client focus, or community connections, our reputation is more than who we are. It’s how we serve.
91. Moss Adams
Moss Adams is a fully integrated professional services firm dedicated to assisting clients with growing, managing, and protecting prosperity. With more than 2,600 professionals and staff across more than 20 locations in the West and beyond, we work with many of the world’s most innovative companies and leaders. Our strength in the middle market enables us to advise clients at all intervals of development—from start-up, to rapid growth and expansion, to transition.
92. Clifton Gunderson
CLA delivers integrated wealth advisory, outsourcing, audit, tax, and consulting services to help clients succeed professionally and personally. Grounded in public accounting, our broad professional services allow us to serve clients more completely and offer our people diverse career opportunities. With wealth advisory, outsourcing audit tax and consulting, you can depend on CLA for several uncommon advantages:
93. Virchow Krause & Co.
More than 2,700 talented and passionate individuals strong, Baker Tilly is a top 15* full-service accounting and advisory firm with specialized professionals who connect with you and your business through refreshing candor and clear industry insight.
94. J.H. Cohn
Whether conducting a financial statement audit for your investors or advising on a complex acquisition — CohnReznick has the right team for you. Deep institutional knowledge, global perspective, and comprehensive technical skills enhance our industry-centered solutions. Setting our sights forward From our origins in 1919, an innovative and client-centric culture has flourished at CohnReznick. We believe that this mindset defines us in many ways. First, we have an affinity for our clients — we understand your drive. Second, we recognize leadership — talent shapes the direction of the Firm. And third, we view our success as a call to action — a means to improve our communities, promote beneficial legislative policies, and progress the high standards of the accounting profession.
95. Dixon Hughes
Headquartered in Charlotte, NC, DHG ranks among the top 20 public accounting firms in the nation. With more than 2,000 professionals in 13 states, we combine deep experience with a strong commitment to personal service. We are passionate about helping our clients succeed—and we do so through a resourceful approach to solving problems, providing solutions and helping our clients achieve their goals. Dedicated client focus and relationships have been and always will be our touchstone. Here at DHG, you’ll receive personalized service provided by a team of professionals who are eager to share their knowledge and experience with you. We draw on our extensive resources to combine comprehensive assurance, tax and advisory services.
96. Eisner & Co. logo
Large enterprises, privately owned companies and high net worth individuals face near- and far-term accounting issues. They turn to EisnerAmper for comprehensive audit, accounting, advisory, consulting, and tax services – as well as smart, analytical insight delivered in an approachable style. EisnerAmper LLP is one of the largest accounting firms in the U.S., with nearly 1,500 employees and 180 partners across the country. We combine responsiveness with a long-range perspective; to help clients meet the pressing issues they face today, and position them for success tomorrow.
97. Wipfli Ullrich Bertelson
The Clarence J. Wipfli & Company was established in 1930. Clarence founded the Wausau, Wisconsin-based company with a clear vision for bringing personal values to the business. Today, more than 1,800 Wipfli team members with unmatched depth of experience are trained to help individuals and businesses of all sizes find success. The values Clarence passed down have stood the test of time, and they remain evident in day-to-day operations. Excellence, teamwork, perseverance, and integrity are the cornerstones of past, current and future success.
98. Eide Bailly
Come to a crossroad in your lifecycle where you need additional resources in order to continue to grow and succeed? We’ve all been there. The discussions can be long, revealing and painful. Many questions surface: “Our clients are demanding more; how can we bring them additional services?” How can we properly train our staff and give them the tools they need to succeed?” And even, “Is it time to consider joining a larger CPA firm who has a strong infrastructure?” The Eide Bailly Alliance is a member-based association of non-competing CPA firms that have access to resources, experience and service specialties—through Eide Bailly and Alliance member firms. The primary goal of the Alliance is simple and straightforward: To help member firms remain independent by offering expanded services and resources.
99. Cherry Bekaert & Holland
As a nationally recognized, growth-oriented CPA firm, Cherry Bekaert LLP provides guidance and support that helps our clients move forward to reach their organizational goals. Our Firm’s industry specialists understand your marketplace, so we can help you make the most of emerging opportunities while minimizing compliance headaches. Ranked among the largest accounting and consulting firms in the country, Cherry Bekaert specializes in offering solutions that impact our clients’ ability to grow. For 70 years, global corporations, private businesses, government entities, nonprofits, emerging firms, start-ups and successful individuals have relied on Cherry Bekaert to guide them forward to their growth destination.
100. Berdon LLP
Why Berdon? Three simple words say it all: Listen. Solve. Do. That's why clients choose Berdon and that's why clients stay with us, many for decades and across multiple generations. Our clients know, as do the many bankers, attorneys and other professionals who refer their clients and colleagues to us, that the Berdon team will listen to their issues, solve their problems, and execute the solution to the highest degree.
101. Marcum & Kliegman
Marcum LLP is one of the largest independent public accounting and advisory services firms in the nation, with offices in major business markets throughout the U.S., as well as Grand Cayman, China and Ireland. Headquartered in New York City, Marcum provides a full spectrum of traditional tax, accounting and assurance services; advisory, valuation and litigation support; and an extensive range of specialty and niche industry practices. The Firm serves both privately held and publicly traded companies, as well as high net worth individuals, private equity funds and hedge funds, with a focus on middle-market companies and closely held family businesses. Marcum is a member of the Marcum Group, an organization providing a comprehensive array of professional services.
102. Smart and Associates
At the Smart & Associates office in downtown Vernon, Charlene strives to offer clients a different approach to personal and small business accounting. At Smart & Associates, accounting and bookkeeping go beyond the numbers. Charlene collaborates with her clients, ready and able to help them succeed in a welcoming and relaxed atmosphere where all questions are answered with respect. In addition to complete personal tax services and small business solutions - including accounting, tax and bookkeeping services - we also offer tax consulting services to help clients reach goals and create better tax-planning strategies. Charlene is also available to assist clients with payroll training and set-up, with both Sage (Simply Accounting) and Intuit’s Quickbooks to help set your business up for success.
103. Goodman & Co.
"Here's our offer: Investment Counsel built on proven principles and a personalized approach." -Daymon Loeb Goodman & Company was built on two fundamental principles: we take an active role in managing our clients’ wealth and our clients come first. The primary motivation for the partners was to create a firm where we could invest our clients’ money the same way we invest our own. Our wealth alongside yours. As a client of Goodman & Company, you work with a team of professionals to build an investment strategy – one focused on creating long-term value and tailored to your specific needs. Our Investment Management and Client Services team brings the necessary expertise and knowledge to preserve and grow your wealth.
104. Marks Paneth & Shron
Marks Paneth LLP is a premier accounting firm with origins dating back to 1907. With a team of nearly 700 professionals, the firm provides a full range of audit, accounting, tax and consulting services, with specialties in international tax, forensic accounting, litigation support, family office and financial advisory services. Headquartered in New York City, with additional offices in New York State, New Jersey, Pennsylvania, Washington, DC and Florida, Marks Paneth is ranked by Accounting Today as the 30th largest accounting firm in the nation and among the top 10 in the Mid-Atlantic Region.
105. Schenck & Associates
Schenck is a full-service regional accounting and consulting firm. Schenck has more than 550 team members that serve businesses and individual clients through eight locations in Wisconsin. As one of the largest CPA firms in the U.S., Schenck provides a full range of services including accounting and audit, tax, business consulting, information technology, merger and acquisition, retirement planning, investment and payroll solutions for businesses, governments, non-profits and individuals.
106. Anchin, Block & Anchin
Founded in 1923 in New York City, Anchin, Block & Anchin LLP (Anchin) is the largest single-office public accounting firm in North America and is recognized as a top-tier firm nationwide in terms of its quality, management, scope of services and work environment. Anchin has a staff of approximately 375 with highly specialized industry and service teams. The Firm provides privately-held businesses and high net worth individuals with a wide range of traditional and non-traditional advisory services. Services include accounting and audit; tax planning and compliance; tax credits and incentives; management and succession advisory; and litigation support, forensic accounting and valuation.
107. The Rehmann Group
Since 1941, Rehmann has provided one-on-one financial services to small businesses and middle-market companies throughout Michigan and beyond. We have grown to become one of the largest CPA, business consulting and financial services firms in the Midwest with 800 associates in 17 offices located in Michigan, Ohio and Florida. Rehmann Robson, Rehmann Financial and Rehmann Corporate Investigative Services form a synergistic collection of business services that make up Rehmann. Through these divisions, we offer services in the areas of tax, accounting, assurance, business consulting, wealth management and corporate investigative services. Rehmann is also an independent member of Nexia International, allowing us to provide a global approach for our clients.
108. Rubin, Brown, Gornstein & Co.
Founded in 1952, RubinBrown LLP is one of the nation’s leading accounting and professional consulting firms. The RubinBrown name and reputation are synonymous with experience, integrity and value. RubinBrown redefines the full-service experience by combining technical and industry expertise with a commitment to personal and high-level relationships.
109. Carr, Riggs & Ingram
CRI is a family of CPAs and business advisors who value getting to know our clients professionally and personally. This knowledge helps us deliver on our passion: advising them through their most critical financial opportunities, challenges, and transitions. How do we accomplish delivering this guidance? First, we are one of the fastest-growing firms in the U.S. because we expand our service offerings to evolve with our clients’ personal and business needs. For example, we guide individuals in properly managing taxes, planning estates, formulating wealth management strategies, and more. We also provide auditing & attestation, accounting, tax, forensic accounting, consulting, merger and acquisition (M&A), and investment banking services to businesses of all sizes. This variety of service offerings combines with our commitment of getting to know our clients, and the result is tailored client service.
110. Withum, Smith & Brown
WithumSmith+Brown, PC (“Withum”) is a nationally ranked Top 30 Firm that empowers clients with innovative tools and solutions to address their accounting, tax and advisory needs. Our highly responsive team of professionals offers deep industry expertise and service experience to help our clients grow and thrive— to Be in a Position of Strength. Withum’s stability and overall growth encourages first-rate talent to join and grow with us. With a staff of nearly 1,000, with more than 650 professionals and 450 CPAs, our clients benefit from the expertise and continuity of their engagement team and the rapport which develops in time from this crucial business relationship. Withum provides timely service and accessibility — simply put, we are there when you need us.
111. Citrin Cooperman & Co.
It’s not easy running a business — long hours, tough decisions and increasingly complex challenges fill your days. Citrin Cooperman understands this. We can help you examine your business's financial structure and provide new perspectives on the strategies that will help you succeed. We are a top-25 nationally recognized full-service assurance, tax, and advisory firm with offices conveniently located throughout the Northeast. Since 1979, we have steadily built our business by helping companies and high net worth individuals find smart solutions. Whether your operations and assets are located around the corner or across the globe, we can provide new perspectives on strategies that will help you achieve your short- and long-term goals.
112. Clark, Schaefer, Hackett & Co.
Founded in 1938, Clark Schaefer Hackett (CSH) is a top 100 CPA and advisory firm with more than 400 shareholders and staff and 7 offices throughout Ohio and Kentucky. Our passion is delivering results through remarkable relationships. We offer all the sophisticated services you’d expect from a top tier CPA firm — but it’s our commitment to service that sets us apart. We believe better relationships produce better results, and we train our staff to create remarkable, results-oriented relationships with clients and each other.
113. Kaufman, Rossin & Co.
Kaufman Rossin is one of the Top 100 firms in the U.S. Kaufman Rossin provides professional services to businesses and their leaders, from inception to succession. Our rich heritage is grounded in integrity, people-first culture and technical excellence. The firm was founded in 1962 to serve the needs of Florida’s businesses and has since grown to serve clients in dozens of countries. Jim Kaufman and Jay Rossin envisioned a firm that was truly different from the others – a people business that focused on numbers. It’s simple: we focus on our employees. This ensures that our clients will get the best possible service, which means success for our business.
114. Friedman
Friedman LLP, headquartered in Manhattan with locations throughout New Jersey, Long Island, Philadelphia, and Beijing has been serving the accounting, tax and business consulting needs of public and private companies since 1924. Our industry-focused practice features concentrated areas of expertise and understanding of the economic environment. We have the ability to be
innovative in our approach, act quickly in our decision-making and be flexible in our delivery of services. Our clients benefit from hands-on contact with our partners, cutting-edge technical expertise and our understanding of their industry and their business. Our clients have the advantage of working with a mid-size accounting firm that combines the staff and resources of a large firm with a philosophy of personal responsibility for our clients. Please also visit our practice and service areas to learn more about our firm.
115. Schneider, Downs & Co
Since 1956, Schneider Downs & Co., Inc. has been providing accounting, tax and business advisory services through innovative thought leaders who deliver their expertise to meet the individual needs of each client. At Schneider Downs, we’re proud that we’ve built a client list of powerful Fortune 500 companies, well-established regional businesses, not-for-profits and exciting start-ups. But we are even prouder that we have never lost focus on what is really important: the personal connections we make with every one of our clients. We provide them national and international-level expertise, while volunteering in the neighborhoods they live in. We know what matters to their businesses, and we care deeply about what happens in their lives. Big Thinking. Personal Focus. This is what has made us who we are today, and this is what will guide our purpose and actions in the future.
116. Aronson & Company - Located in MD / D.C.
Aronson LLC provides a comprehensive platform of assurance, tax, and consulting solutions to today’s most active industry sectors and successful individuals. For more than 50 years, we have purposefully expanded our service offerings and deepened our industry specialties to better serve the needs of our clients, people, and community. From startup to exit, we help our clients maximize opportunity, minimize risk, and unlock their full potential. The Aronson Family of Companies is also proud to assist you with a wide range of other business services, including investment banking, recruiting, wealth management advisory, systems support and more.
117. Horne CPA Group
HORNE is a decidedly different CPA and business advisory firm that is changing expectations about accounting. Clients turn to HORNE for foresight, straight talk and collaboration from a team of dedicated accounting, tax and advisory professionals. Whether we are supporting a private, public or government organization, our industry specialized teams bring empirical knowledge and a total commitment to helping you build operational efficiencies, manage risk, ensure compliance, prevent surprises and pursue opportunities.
118. Doeren Mayhew
Doeren Mayhew is a leading group of CPAs and trusted advisors who go beyond traditional accounting to help mid-sized companies grow and prosper. Founded in 1932, we are today a top 100 firm recognized globally and applauded nationally among INSIDE Public Accounting’s “Best of the Best.” With offices in Florida, Michigan, North Carolina and Texas, Doeren Mayhew’s staff of more than 300 is organized into dedicated groups that cater to your industry or service needs. Combining a deeply rooted history, vast expertise and a progressive mindset, we offer insight into the business, oversight to ensure best practices and foresight for what’s ahead. To learn more, browse our specializations, read about our technical expertise and find out why thousands of business owners like you choose Doeren Mayhew.
119. Lattimore, Black, Morgan & Cain
The LBMC organization began in 1984 with the formation of the CPA firm. There were five founding partners, four of which made up the original company name of Lattimore Black Morgan and Cain, PC. Pictured in the front row left to right are: David Morgan and Charles Black, Jr. Pictured back row are: Croley Graham, Jim Lattimore, Jr., and Mike Cain.
120. Margolin, Winer & Evens
You built your business using guts, intuition and a strong sense of where your market was headed. To sustain your success and protect your assets, you know you can’t afford to go it alone. MWE is a team of accounting and business advisory experts whose success comes from building strong, long-lasting relationships with companies like yours. We work with you to craft the right financial solutions that meet your unique needs. Our partners are directly involved in the day-to-day details to understand just who you are and where you want to go.
121. Hill, Barth & King
HBK is a multidisciplinary financial services firm, offering the collective intelligence of hundreds of professionals committed to delivering exceptional client service across a wide range of tax, accounting, audit, business advisory, valuation, financial planning, wealth management and support services from 14 offices in Pennsylvania, Ohio, New Jersey, New York and Florida.
122. SS&G - Saltz, Shamis & Goldfarb
SS&G Wealth's core strength is our highly credentialed team of educated, experienced financial professionals. Working on behalf of individuals, couples, families, physicians and businesses, our exceptional team creates and manages custom designed financial, investment and retirement plans. Knowing the shortcomings of one-size-fits-all financial solutions, SS&G Wealth’s team members work with you collaboratively to find the financial strategies that best align with your needs, goals, dreams and challenges. Under the leadership of Director and Managing Partner Carina Diamond, our team members have been selected for their integrity, focus and unwavering commitment to service excellence. Learn more about our team members here:
123. Lurie, Besikof, Lapidus & Co.
In 1940, a group of aspiring entrepreneurs in Minneapolis set out to create that which we all seek—opportunity. In doing so they broke ground on an accounting firm with its foundation in thinking differently and leading fearlessly. In spite of, or perhaps because of, the challenging financial and political climate of the time, they were forged into a tight-knit and devoted enterprise, dedicated to doing things right, and fueled by a desire to help their community. 77 years later, that same drive, passion, and entrepreneurial spirit fuels us. In our mission to provide innovative advice and world-class service to our clients, professional growth opportunities to our employees, and support and care for our community—we think back on the vision our founders had, and it guides us forward. We are about making a difference, and doing so means not just writing the Lurie story. It means living it.
124. Elliott Davis, LLC
We’re a team of nearly 800 trusted advisors based in thriving Greenville, South Carolina, with nine offices throughout the Southeast. We use our diverse experience to solve rapidly evolving and complex business issues.
125. Morrison, Brown, Argiz & Co
Because we take time to learn about each of our clients, we can help you understand and manage even the most subtle changes in your business to optimize your bottom line. We’ll take all aspects of your goals into account – personal and business, even the emotion that is tied to making decisions – and deliver not just what you asked for, but recommendations on what you and your business really need.
126. O'Connor Davies Munns & Dobbins
PKF O'Connor Davies is a new breed of accounting and advisory firm that holds itself to a higher standard – going beyond passive value calculation to active value creation. With unmatched client focus we unlock real value hidden at key connection points of every engagement – from the industry and resource levels, to the organization and regulatory levels on the regional, national and international levels.
127. Frank, Rimerman & Co.
Why We Consider Ourselves Unique. Frank, Rimerman + Co. LLP is a unique, high-spirited team of professionals making creative and innovative contributions to our clients and our community. We offer an integrated array of specialized services not available from most CPA firms.
128. Katz Sapper & Miller
At Katz, Sapper & Miller, numbers only tell part of the story. Our entrepreneurial-minded, results-focused approach is what ensures our clients achieve their greatest success. It has also made us one of the nation’s leading accounting, tax, and consulting practices. With offices in Indiana and New York, the firm’s experienced employees serve a wide range of clients in a variety of specialized industries. Startups, nonprofits, middle-market companies, and multimillion-dollar corporations: When it matters most, they want KSM at the table.
129. Weaver and Tidwell
At our core, we’re a Texas-based, nationally-oriented accounting firm with comprehensive capabilities. That means we do the things you’d expect us to do: traditional assurance and tax services. However, our philosophy has always been about doing more than expected. That’s why Weaver also provides a wide array of advisory services including risk advisory, financial advisory, IT advisory, energy compliance services, forensics and litigation, financial institutions consulting and public company services.
130. Armanino McKenna
Armanino LLP is the largest independent accounting and business consulting firm based in California. We are a nationwide leader in serving privately-held companies, as well as, non-profit organizations and public entities. We provide four main areas of service – assurance/audit, tax, consulting and business management. Our technology focus and global services are key aspects of our service lines. We work with clients in a large range of industries including technology, manufacturing, and distribution, consumer-retail, nonprofit, private schools, real estate, professional services, life sciences, insurance and healthcare. Our offices are located in California, the West and Mid-West regions of the U.S. and we have consultants on the ground at key locations across the Nation. We provide global services in more than 100 countries through our membership in Moore Stephens International Limited – one of the world's major accounting and consulting organizations.
131. Hein & Associates
Hein & Associates is one of the top 100 accounting firms in the nation providing professional services to middle-market companies and delivering insights that matter to your business. We engage with our clients to deliver the right solutions for private and public companies and private equity backed businesses in a variety of industries, including Energy, Manufacturing & Distribution, Real Estate & Construction and Technology.
132. Kemper CPA Group
Kemper CPA Group LLP leadership and staff are committed to one basic business principle throughout each engagement: Each client is a referral for one more. Therefore, each client interaction is treated as an opportunity to create a “Raving Fan” through the passionate pursuit of exceeding expectations.
133. Novogradac & Company
Novogradac & Company LLP is a national certified public accounting and consulting firm headquartered in San Francisco, Calif. with offices in metro Atlanta, Ga.; Detroit, Mich.; Kansas City, Mo.; St. Louis, Mo.; Seattle, Wash.; and Washington, D.C.; as well as Austin, Texas; Dover, Columbus and Cleveland, Ohio; Boston, Mass.; Portland, Ore.; New York, N.Y.; Raleigh, N.C.; Chicago, Ill.; Naples, Fla.; Iselin and Toms River, N.J.; and Long Beach and Walnut Creek, Calif. The firm maintains clients in a broad range of industries with a major emphasis in the real estate sector, providing publicly and privately held national and multinational enterprises with a full spectrum of audit, tax, valuation, trust and litigation support and general consulting services. Novogradac & Company LLP offers cost-effective audit, tax and consulting services to a variety of industries and clients, including nonprofits, government agencies, development and construction companies, real estate investment companies and securities firms. Novogradac & Company LLP is ranked by Accounting Today and Inside Public Accounting as one of the top 50 accounting firms in the nation.
134. Sikich Gardner & Co.
Sikich offers a formula of professional services uniquely crafted to address your business’s challenges and opportunities. Our comprehensive skillsets, obtained over decades of experience as entrepreneurs, business owners and industry innovators, allow us to provide insights and transformative services to help strengthen every dimension of your business. Sikich LLP is a leading professional services firm specializing in accounting, advisory, technology and managed services. Founded in 1982, Sikich now ranks as the country’s 27th largest Certified Public Accounting firm and is among the top 10 of all enterprise resource planning solution partners in the country. From corporations and not-for-profits to state and local governments, we help our clients reach their long-term, strategic goals through a unique formula of products and services.
135. Stout Causey & Horning
The idea behind SC&H Group was drawn up 25 years ago on the back of a napkin in a Baltimore restaurant. What resulted was the creation of a firm built upon the belief that talented, driven, and dedicated individuals could produce work so extraordinary it would have meaningful impact on their clients’ businesses. When we opened our doors on August 16, 1991, it was with a mission to develop deeper and more productive relationships with clients, engage our employees, and forge close connections with communities where we conduct business. Today, with more than 250 employees SC&H Group has a strong foothold in the Mid-Atlantic, a client base including some of the largest brands in the world, and a client approval rating nearly five-times the industry average. The firm achieved a Net Promoter Score – a client loyalty metric – of 84.4%, a world-class rating of client satisfaction.
136. Berry, Dunn, McNeil & Parker
BerryDunn is an integrated assurance, tax and consulting firm that uses deep experience and a commitment to knowledge sharing to help our clients gain control of the challenges and opportunities that drive value. The comany has offices in Maine, New Hampshire, Massachusetts, West Virginia, and Arizona. We also provide and access to extensive professional accounting services and business advisors worldwide through membership in HLB International.
137. Holthouse Carlin & Van Trigt
Phil Holthouse, Jim Carlin, and John Van Trigt came together 25 years ago to create a firm that was different for their clients and employees — a firm based on technical excellence, a business model built on partner access and accountability, where the focus is on needs of the client. A team of professionals committed to the success of their clients. Clarifying and resolving complex issues is what we do. How we do it is what sets us apart from other CPA firms. We strive to deliver value and provide solutions that help our clients achieve their goals. Founded in 1991, HCVT is one of the fastest growing CPA firms in the nation validating the technical experience of our team and our approach to client service. We provide tax, accounting, business management, and mergers & acquisition services to private companies, closely-held businesses, public companies and high net worth individuals and family offices. We provide auditing services to privately held businesses, funds, and employee benefit plans.
138. Berkowitz Dick Pollack & Brant
Established in 1980, Berkowitz Pollack Brant (BPB) is a certified public accounting firm with offices in Miami, Ft. Lauderdale, Boca Raton, West Palm Beach and New York City. With more than 210 accountants, tax specialists and consultants, we are one of the largest accounting firms in South Florida and one of the top 100 firms in the United States. Our strength is establishing inter-disciplinary teams comprised of CPAs, finance and valuation professionals, senior tax professionals, technical audit specialists, information technology resources, and financial and estate planning experts. These skilled individuals come together under the direction of senior-level partners for each engagement.
139. Blue & Co.
Blue blends accounting with accountability and advising with advocacy to provide consulting and certified public accounting services to organizations throughout the Midwest, Southwest and Southeast. Since 1970, we have maintained a solid reputation for serving clients with quality business advice, consulting assistance and compliance services. From the beginning, we've believed that an independent accounting firm should provide management with suggestions and ideas that will enhance the success of the entire organization. This philosophy has worked well for us. We've become one of the largest CPA and consulting firms in the country and take pride in our ability to work side-by-side with our clients.
140. Vavrinek, Trine, Day & Co.
All of us believe that accounting is as much about people as it is about numbers. People run organizations, make decisions, execute strategies, and foster the valued relationships that are the foundation of our economy as well as our practice. Welcome to Vavrinek, Trine, Day & Co. LLP (VTD), a dynamic regional firm of certified public accountants and consultants. Ranked as a Top 100 CPA firm in America, VTD specializes in tax, auditing and accounting, and advisory services, delivering in-depth capabilities to each industry we serve.
141. Mauldin & Jenkins
The Firm is in the business of providing professional services to help our clients achieve their objectives while fulfilling our obligations to the public. “We do things right and do the right things!” Our objectives will center on the Firm and not the individual. We institutionalize our client service and our practice so that the long term security of the Firm is protected, and as a result, the individual is also.
142. Freed Maxick & Battaglia
Freed Maxick advises public and private companies in Western and Central New York on ways to enhance profitability, save taxes, improve accountability and preserve wealth. With over 300 professional and administrative personnel, Freed Maxick operates with five major practices: Accounting and Auditing, Tax, Consulting, Employee Benefits and Asset-Based Lending (ABL). We specialize in helping our clients discover and achieve their bottom-line potential and we provide sound business advice based upon our vast experience in a broad array of industry groups, including healthcare, manufacturing and distribution, government, real estate and not-for-profit.
143. Honkamp Krueger & Co.
Honkamp Krueger & Co., P.C. (HK) is a Top 100 CPA and business consulting firm in the U.S. and the third fastest-growing Midwest-based firm (Accounting Today, 2017). As the largest Iowa-based CPA firm, we are one of the nation’s largest and most respected professional service firms for client organizations in all 50 states and thousands of U.S. cities. Our clients number in the thousands and range from privately-held organizations, Fortune 500 multi-nationals, franchisor organizations across all industry sectors, government agencies, individuals and not-for-profits. HK adds value for our clients by providing forward-thinking, effective and timely services and solutions. Our promise of first-class customer service and client loyalty is demonstrated through our renowned 11-point customer service program and the award-winning HK Client Patronage Program App for Apple® and Android™. Also, our commitment to a system of quality control is proven with our peer review report and acceptance of that report by the AICPA.
144. Seiler & Company
For 60 years, Seiler LLP has provided tax, advisory and accounting services to some of the world’s most affluent individuals, families, privately held businesses and non-profit organizations.
145. Yeo & Yeo
Over 90 years ago, a father and son joined in an accounting partnership in Saginaw, Michigan, that would become the cornerstone of a public accounting practice that today is among the leading firms in the nation. James J. Yeo and his son, W.L. Yeo, were later joined by Lloyd Yeo. The three generations of the Yeo family shaped the firm’s reputation for integrity and personalized service. From the 1960s through the 1990s, several new Yeo & Yeo offices were established: Alma (1961), Marlette (1962; closed in 2011), Flint (1973) and Midland (1977). The Lansing office opened in 1979, followed by the Kalamazoo office in 1982. The Ann Arbor office opened in 1998 and the Auburn Hills office opened in 2012. In 2014, Yeo & Yeo acquired a firm in Southgate. In 1994, Yeo & Yeo Financial Services, Inc. was established to offer retirement, insurance and investment services.
146. Burr Pilger & Mayer
Founded in 1986, BPM is one of the largest California-based public accounting and advisory firms. We rank as one of the 50 major firms in the country. With six offices across the Bay Area, and offices in Oregon, Hong Kong and the Cayman Islands, we serve emerging, mid-cap, and closely-held businesses, and high-net-worth individuals in a range of industries.
147. Postlethwaite & Netterville
Uncompromising Quality. Innovative Services. Clearer Paths. For more than 65 years, Postlethwaite & Netterville, APAC (P&N) has helped businesses and individuals across the country shape clearer paths forward. Our professional accounting and assurance, consulting, tax, and technology services allow clients to streamline and organize operations, comply with changing regulations, and boost business growth with the right technological tools. We're about reducing clutter, organizing chaos, and seeing beyond cloudy forecasts — helping companies and individuals take clear steps toward success.
148. Ehrhardt Keefe Steiner & Hottman
In 1978, our founders set out to build a different kind of professional services firm. They envisioned a firm that would be accountable for our clients' vital interests and a place where our employees can do their very best work and have fun along the way. This vision set the foundation for the EKS&H culture. Today, this culture is lived through every interaction with each client and each employee.
149. Blum Shapiro & Co.
BlumShapiro is the largest regional business advisory firm based in New England providing accounting, tax and business consulting services. We serve our clients from offices in Connecticut, Massachusetts and Rhode Island. We serve as your business advisors, helping you solve challenges and maximize opportunities. Drawing upon our breadth and depth of experience in our primary service areas — non-profit organizations and educational institutions, privately held businesses and government entities — we strategically tailor and consistently deliver tested solutions for unlocking the full potential of your organization. Our highly valued team members bring their diverse backgrounds and strengths to the table resulting in you receiving a true blend of national firm experience and local firm delivery. Our team shares a common passion: a personal commitment to each client’s success as well as to the communities in which we live and work.
150. The Bonadio Group
With offices in New York State and Vermont, The Bonadio Group provides a complete range of financial and consulting services — from auditing and tax, to multidimensional accounting, business advisory, and financial services. We are a nationally ranked, top 40 CPA firm that brings an integrated world of resources to every client, large or small. We have developed relationships with a diverse range of organizations — from private sector to public, tax-exempt to individual. And we are continually expanding our range of offerings and geographic footprint to ensure your growing needs are consistently met.
151. UHY Advisors
In July 2000, several leading regional accounting firms with tenures dating back to the 1960’s merged to form a national professional services firm. Today, our hundreds of employees serve clients ranging from the dynamic middle-market to Fortune 500 companies.
152. Kearney & Company
Founded in 1985, Kearney is the premier CPA firm focused exclusively on the Federal Government, providing services across the financial management spectrum. Kearney has helped the Federal Government improve its financial operations’ overall effectiveness and efficiency; increase its level of accountability and compliance with laws, regulations, and guidance; and protect its funds from fraud, waste, and abuse. We understand the Federal Government’s need for efficiency and transparency.
153. The Siegfried Group
Siegfried is a leading, national CPA firm that helps financial executives be more effective leaders and execute more successfully. We help you clarify your path forward and then provide highly talented professionals who work at your direction. Our Professionals’ unique intangibles shine as they work with the best leaders on their most important work creating extraordinary value. We help our clients with IPO Readiness, Mergers & Acquisitions, Divestitures & Carve-Outs, Revenue Recognition & Lease Prep, Process Re-engineering, Systems Implementations, Restructuring, SEC & Other Regulatory Reporting, Accounting Policy & Technical Research, Accounting Operations, Period-End Close, Consolidations, Financial Restatements, External Audit Preparation, Financial Planning & Analysis, Budgeting & Forecasting, Sarbanes-Oxley and Internal Audit.
154. Frazier & Deeter LLC
Focused on Relationships Since 1981, Jim Frazier and David Deeter established the firm in 1981 with a vision of delivering service excellence. At Frazier & Deeter, we remain committed to that vision, which has helped us serve some of the nation’s most well-respected companies and individuals. As we grow, this vision remains a core component of our culture and our history. Now noted as the nation’s 56th largest CPA & advisory firm, a PCAOB registered firm with over 300 professionals, we work hard to ensure our employees and culture remain a priority. We are proud to have been named the #1 Best Accounting Firm to Work for in the U.S., a Best of the Best CPA firm and a Top 10 Best Public Accounting Firm in the U.S. for Women.
155. Raffa, PC
Making the world a better place. Raffa views every client, whether a nonprofit organization, a business, a government agency or an individual, as an invitation and opportunity to make the world a better place. We contribute to our clients’ abilities to achieve their missions and deliver their promises to the world. Our commitment to our clients’ success is the key to Raffa’s success. From the practical back office solutions that keep nonprofit organizations compliant, effective and efficient to the deeper strategies that create sustainability, Raffa’s leading nonprofit specialists provide the financial and management expertise as well as the consulting, accounting and technology services that help our clients advance their organizational missions. We are also keenly aware of strategic, macro-business issues and the distinct financial needs of family businesses, and bring an unmatched depth and breadth of expertise to this unique segment of the market. The professionals who manage our for-profit clients provide sophisticated tax, wealth management and estate planning services to industry leaders, individuals and families.
156. Whitley Penn LLP
Whitley Penn was established in 1983 by three founding partners: B. Glen Whitley, Jim Penn and Mark Topel. The firm has become one of the region’s most distinguished accounting firms by providing exceptional service that reaches far beyond traditional accounting. The primary mission of Whitley Penn – from its inception to today – has been to provide an unmatched level of high quality service to our clients.
157. MGO
One of the fastest growing professional services firms in the U.S., MGO combines deep industry expertise with proven accounting and advisory solutions to deliver tangible results. Our clients range from global aerospace and technology leaders to innovative start-ups and not-for-profit organizations – from the largest government entities in the country, to the biggest names in entertainment. MGO is ranked as one of the top CPA firms in the nation by Accounting Today and Inside Public Accounting. And the firm was awarded the ‘Best of Accounting’ designation in Client Satisfaction by the independent research firm, Inavero.
158. Rea & Associates, Inc.
Rea & Associates, Inc., accountants and business consultants, is an Ohio public accounting firm with more than 200 dedicated professionals who provide clients with a complete range of accounting services and professional business counsel. Rea has an extensive history that dates back to 1938. Much of its success stems from the firm’s values, which are outlined in The Rea Way. The firm’s specialists are respected by individuals and corporations throughout Ohio and the United States. To learn more about our bright team, check out our Ohio accounting firm employee section of the site.
159. CCR LLP
CCR provides comprehensive business solutions to public and privately-held companies, nonprofit organizations and individuals for nearly 100 years. CCR's solutions include: tax and advisory services, technical accounting and audit services, business valuation and litigation support, employee retirement plans and IT governance.
160. Wiss & Company LLP
Since 1969, Wiss has retained the same entrepreneurial passion and values from our founders. We hold onto the legacy of staying agile and providing excellent client service. Our team of 25 partners and 180 professional staff is here to help companies translate numbers into smart business decisions. By gathering our collective power, Wiss strives to make a deeper impact by giving back and serving our community. We embrace the power of change and adaptability by welcoming new technology advancements. With three offices in the NY/NJ metropolitan area, our team can be anywhere and everywhere. While our size and local presences position us to provide the personal attention of a small firm, we also possess the depth and reach of a national accounting firm through our membership with the Leading Edge Alliance. The impact of the LEA adds 586 offices in over 200 countries.
from Outsourcing Insight https://www.outsourcinginsight.com/top-accounting-firms-list/
0 notes
Photo
New Post has been published on http://www.visionmp.com/balkrishna-heads-around-34-companies-and-three-trusts-associated-with-patanjali-brand/
Patanjali's Acharya Balkrishna is India's 8th richest; Mukesh Ambani's wealth grew 58%
Mumbai: International research agency Hurun on Tuesday released its Hurun India Rich List 2017 report. With a staggering 58 per cent jump in his net worth, billionaire Mukesh Ambani’s Rs 2,57,900 crore wealth is 50 per cent more than the GDP of Yemen. Storming into Top 10 for the first time, Patanjali’s Acharya Balkrishna has become the 8th richest person in the country after 173 per cent rise in his wealth to Rs 70,000 crore.
Balkrishna owns close to 94 per cent of Patanjali Ayurved. The 44-year-old CEO of Patanjali has pushed the company’s revenues at a rapid pace. Balkrishna has not only encashed upon Baba Ramdev’s huge base of followers but also attracted Indian consumers by hitting the ‘swadeshi’ idea. Balkrishna heads around 34 companies and three trusts associated with Patanjali brand.
Patanjali has secured a second place in Indian FMCG market share in under 5 years, the report said.
“It is rare to find a country with such a dominant richest person (Mukesh Ambani) whose wealth is thrice more than that of the no.2 in the list. We have never seen such a wide margin between the richest and the second richest in big countries that include USA, China, UK, Russia and so on,” said Rupert Hoogewerf, Chairman and Chief Researcher, Hurun Report Global.
“The total number of rich list entrants increased 6 times since we launched the list six years ago; a good indication that Indian entrepreneurs are coming of age with global ambitions,” Hoogewerf added.
Hurun India Rich List 2017 had 302 new faces. The sixth edition of the Hurun India Rich List 2017 saw 617 individuals with a cutoff of Rs 1,000 crores, compared to 339 last year. The cut off for the Top 100 has more than doubled to Rs 8,400 crore since 2013, it said.
Sun Pharma’s Dilip Shanghvi retained the second place despite shares of his flagship company going down by 36 per cent. With wealth increase of 320 per cent, Radhakishan Damani, the new retail king, of Dmart is the biggest gainer in Hurun India Rich List 2017.
The report credited better than expected corporate results in 2017 for offsetting the impact of demonetisation. Pharma and FMCG sector with their stellar performance doubled the number of entrants to 79 and 63 respectively. Pharmaceuticals dominate with 13% of the list, followed by FMCG and Chemical & Petrochemicals with 10% and 6% respectively.
Eklavya Juneja of Mankind Pharma is the youngest person in the list. Juneja owns 12% of Mankind Pharma which was founded by father Rajeev Juneja. Hurun India Rich List has eight self-made women this year, compared to two in last year.
“The market capitalization of all listed companies is now equivalent to 84 per cent of India’s nominal GDP which is the highest in emerging markets. This year, we have expanded the list to highlight the success stories of some of the emerging entrepreneurs” said Anas Rahman Junaid, Hurun Report India, Managing Director and Chief Researcher.
With 182 individuals, Mumbai is the capital for India’s super-rich, followed by New Delhi (117) and Bengaluru (51). Ahmedabad broke into top 5 with 26 new entrants. With 22 and 11 India Rich Listers, Chennai and Kanpur respectively breaks into top 10 cities of residence for Hurun India Rich Listers. Number of dollar billionaires in India also increased to 136 from 126 last year, the report said.
The combined wealth of India’s richest is a staggering $640 billion, equating to 1/4th of India’s GDP last year and similar to the GDPs of Switzerland ($660bn), and combined GDP of South Africa ($317bn) & Israel ($340bn).
0 notes
Text
Cashless movement makes gains
Coin collectors are looking towards a busy fall season. The general public continues to take not only coins but bank notes for granted as a part of our everyday financial life. Increasingly, people outside the United States are beginning to wonder just how many coins are going to be available in circulation in the near future. The world is changing. We are looking at technology that is moving us increasingly towards becoming a cashless society. Is this for better, or for worse?
The arguments both for and against doing away with coins and bank notes are becoming well known. Likely the most important argument against going entirely cashless is the privacy issue. Any government can easily become “Big Brother” if all monetary transactions are done through electronic transfers. That same government can not only monitor how people spend their money, it can seize assets with a click of a button, this being an easy way to neutralize political adversaries.
The less obvious elephant in the room is that going cashless entrusts our entire monetary supply to the banking system. This is the same banking system that almost went to ruin during the recent Great Recession.
The threat from cashless technology is more ominous than might be expected. Three Square Market in River Falls, Wis., is already offering its employees the “opportunity” to be imbedded with a biochip through which financial transactions can be accomplished. Three Square Market management insists the biochips will not be used to track people or their spending habits. Even if this is true now, will it always ring true? This is the kind of technology we might expect to be embraced by a totalitarian regime such as that ruling North Korea.
The surprise comes from a one-political party governed nation, that being the Peoples’ Republic of China. It is the people of China embracing the cashless concept voluntarily rather than due to the dictates of their government.
According to iResearch Consulting Group, mobile payments in China reached almost $55 trillion U.S. dollars during 2016, about 50 times the U.S. markets’ estimated value. All this is centered on two Chinese companies, Tencent and Alibaba.
Tencent’s system is called WeChat, while Alibaba’s financial affiliate Ant Financial operates Alipay. Both use smartphone payment option technology. Both companies have the capability of providing inexpensive payment capabilities even to small merchants, who can get a printout of a QR code or use their telephones rather than an expensive card reader. Sources indicate both Tencent and Ant Financial are about to surpass both Visa and Mastercard in total daily transactions.
On July 18, the British newspaper The Independent reported “other services” fourth quarter (2016) earnings by Tencent almost tripled to US$93 trillion from one year earlier. These other services are reportedly mostly from mobile payments.
Richard Lim is the managing director of GSR Ventures, a venture capital firm in China. According to Lim, “From a tech standpoint, this is probably one of the single most important innovations that has happened first in China, and at the moment, it’s only in China.”
While nations including Denmark and Sweden are still struggling with card swipe technology as they try to go cashless, it appears in China all it will take is to use your telephone.
World financial domination could be achieved by a small number of companies rather than by governments if this trend continues, but a cashless society is already proving to be fraught with dangers, not just in China, but in countries such as Greece.
Greece is on a forced austerity program imposed by the European Union due to Greece’s past irresponsible economic policies. Cash transactions greater than 500 euros (about US$500) are already illegal. As of June 1, all salaries are required to be paid to bank accounts using direct electronic transfers. As of July 27, many businesses are being required to install point-of-purchase card readers and also being required to post notice that announce if card payments are either accepted or not. Automatic Teller Machine cash withdrawals are limited to 840 euros every two weeks.
Many banks in Norway are no longer issuing coins or bank notes. Norway’s largest bank, DNB or Den norske Bank, has called on the public to cease using cash.
Belgium is now limiting cash transactions to 3,000 euros, while France and Spain each are limiting such transactions to 1,000 euros. Statistics indicate 93 percent of all payments made in Belgium are cashless.
Denmark has announced it has a goal of eliminating all coins and bank notes by 2030.
Sweden is currently the most cashless society. Swedish bank notes and coins account for just 1.7 percent of its Gross Domestic Product.
The move towards going cashless is also gaining steam in India, Kenya, Somalia, and South Korea. (A “Digital Wealth Fair” was held Jan. 3 in Mumbai, India.) Some of these countries offer tax benefits to consumers using cards rather than coins and bank notes.
Not everyone outside of coin collecting is thrilled with the cashless movement. Germany recently defeated a measure that would limit cash payments to 5,000 euros. The German newspaper Bild recently published an editorial called “Hands off our cash.” Statistics indicate that about 80 percent of all transactions are still made in cash in Germany.
The Bank for International Settlements said there was about $4.54 trillion in cash (coins and bank notes) in circulation in the euro zone and 17 other major economies as of 2015. This represented about 8.9 percent of the Gross Domestic Product of these countries. The United States was reported to be circulating $1.42 trillion in bank notes. Japan had the highest bank note to GDP ratio at 19.4 percent.
According to the American Psychological Association, non-physical cash payments encourage larger amounts to be spent. Both gambling casinos and cruise ships have abandoned using cash or tokens in favor of debit and credit cards for this reason.
As CoinWeekly.com publisher Dr. Ursula Kampmann put it in a July 27 editorial, “Cash isn’t perfect, but it’s far fairer than all the expensive and modern services provided by banks and credit institutions. They’re interested in the wealthy middle class, not in the poorest of the poor with which they can’t make a great profit.”
A July 17 Bloomberg news report asked the question, “Who’s in favor of going cashless?”
According to Bloomberg, those favoring going cashless included governments, central banks, businesses, technology supporters, credit card companies and numismatists.
Why numismatists? The author of the Bloomberg story is likely naïve, since the report reasons: “Their coin collections would be that much rarer.”
This article was originally printed in World Coin News. >> Subscribe today.
More Collecting Resources
• Subscribe to our monthly Coins magazine – a great resource for any collector!
• Keep up to date on prices for Canada, United States and Mexico coinage with the 2018 North American Coins & Prices guide.
The post Cashless movement makes gains appeared first on Numismatic News.
0 notes
Text
Simple Guidance For You In Godrej Properties Godrej Infinity
Thoughtfully planned, Godrej Emerald is an iconic project situated on the coronary heart of the picturesque location of Thane. Godrej E City Section three is providing Various Facilities like clubhouse, well geared up gymnasium, swimming pool, sport services, Snooker, desk tennis, Convention hall and plenty of more. GPL plans to launch 15 initiatives this fiscal, he said, including that these will primarily be residential projects. Since taking up as chief government of Godrej Properties in 2012, Pirojsha Godrej, 33, has hardly taken a improper step. Again on the Godrej Properties Godrej Infinity mangroves, the sylvan environment have contributed to the preservation of wildlife. Like most Godrej Properties' tasks, this undertaking will probably be a joint venture venture. Spread across 12 cities including Mumbai, Bengaluru, Ahmedabad, Nagpur, Kolkata, Chennai and Pune, Godrej Properties develops areas with low energy materials, solar water-heating techniques, efficient waste management and sewage treatment systems.
With distinctive features of Residence Automation Godrej Infinity is a place to be, management you dwelling equipment from anywhere on the earth. Based on Pirojsha Godrej, Executive Director the company was upbeat to launch its latest phase for which over 1,000 families have already vetted their resolution to make Infinity By Godrej was trying ahead to maintain the momentum going by delivering traditional growth and incredible way of life to all its residents. Making an even bigger difference for an even bigger house of dwelling, Godrej The Bushes Part 2 affords a haven of privateness and luxury with extremely fashionable specs like air-conditioned additional spacious bedrooms with laminated wooden flooring, area for wardrobes in bedrooms, modular kitchen with vitrified flooring, branded fitting & fixtures within the bogs and so forth.
The dividends Godrej & Boyce distributes type the working budgets for all the trusts: Within the year ended March 2013, it generated a price range of Rs 22 crore. The Godrej Infinity plot is unfold on both sides of the public strategy road to this bridge. It looks like Godrej Infinity Pune Rate swears by the coverage of ‘Well being is Wealth' and the undertaking appears to duly resonate the same. We are still gathering the launch worth of the Godrej Infinity Contact Builder on to ask for launch value of the mission. With lower than a month to go for its maiden world funding summit in Ranchi, the Jharkhand government plans to allot non-cultivable land to prospective investors willing to arrange their models in the state.
Godrej Prana is an formidable undertaking unfold across 31 acres and consisting of flats starting from 634 square toes to 1473 square ft in area. To this point, Godrej Client has wrapped up five purchases in Africa, Godrej Infinity Keshav Nagar Price including Rapidol, Kinky and Frika hair care brands in South Africa; Tura, a private care brand in Nigeria; and the Darling Group, a hair care firm that has a presence in 14 nations on the continent. It is a main aid after eight years.... we put in a lot money and customers invested their funds (within the projects),” said Sandeep Runwal, director at Runwal Group, which had launched its residential mission Runwal Infinity at Mulund.
Godrej Infinity residents are going to get pleasure from some of the finest amenities offered by Kolte Patil. Godrej Eternity by Godrej Properties Restricted in Kanakapura Highway is meticulously designed with unbound comfort & the most effective of amenities and are an easy blend Pune Godrej Infinity Price of modernity and elegance. Godrej Infinity is a 43 Acre residential improvement situated on the banks of the Mula-Mutha river, in Keshavnagar, Pune. Godrej Infinity over powering wants within the bearing of related to a discontinuation advantaged meant at this, as it will be goals that may definitely enhance nationwide upright along with take Mumbai within the show of acquire done charming dwelling the ecosphere story.
0 notes
Text
The Ten Common Stereotypes When It Comes To Godrej Emerald Rates
While Pune is making a difference to the world of real estate, Godrej Properties are bringing a difference to the best way the individuals of Pune dwell. By 2019, it will be a very established township with High residential Tasks from High actual property builders in thane. Mumbai city is remodeling with modern infrastructural implementations equivalent to monorail, metro and so Godrej Emerald Rates forth in the real time. To profit from your search 1 Bah Gym Jogging Track Mumbai Thane you could strive the next key phrases 1 Bah Health club Jogging Monitor Mumbai Thane, House Mumbai, House Mumbai.
These embody Godrej Industries and Associated Firms (GILAC) including Godrej Properties, Godrej Agro vet, Godrej Industries, GCPL, Godrej Chemical compounds Nature's Basket and the group corporate centre. Thane: With a burgeoning footprint of residential, commercial, retail and entertainment choices, Thane, with a population of 17.5 lacs, has morphed right into a metropolis of wealth creators. Actual Estate Companies accessible in Mumbai with properties on the market are Ashwani0.ninety nine, Say Gnash Estate Agents and DT Homes. It has a number of prestigious residential initiatives in central Godrej Emerald Price and south Mumbai and has been involved within the beautification of Worli together with the BMC. Godrej Properties brings you a brand new world of live comfy with Godrej Palm Grove in Chennai the place life-style at its best phase!
From my perspective, amongst their talked about undertaking on which this offer is applicable, Godrej Oasis Gurgaon ” is the finest one with everything very best in it and in addition as a result of it has been awarded with the tag of Most Promising Upcoming Project of the 12 months - North India” at North India Real Property Awards 2014. Within the coming years, Godrej will proceed to increase their portfolio within the Way of life section by investing in current life-style manufacturers and by creating their own. Promoters had seventy four.98 per cent stake in Godrej Emerald Rate the company as on June 30. Mumbai—based mostly Godrej Properties plans to launch the rights situation this fiscal. Godrej BKC, which is being developed in partnership with Jet Airways, is a big excessive-end industrial mission with about 1.three million sq ft of saleable space.
These corporations are also referred to as GILAC or Godrej Industries Ltd and Related Companies. Adi Godrej, chairman of Godrej Group, has clarified that Godrej Properties will only get 10 percent charges for growing the undertaking of which 2 percent can be spent on promoting and planning and remaining 8 p.c can be ploughed back into the company's bottom-line. High quality development, thoughts-blowing designing & wonderful location have added luster to Godrej Emerald.With a bold, effectively-constructed and Godrej Emerald Ghodbunder Road Amenities positive structural design outside, high quality interiors and plenty of the 'little-large' particulars, Godrej Aria satisfies your requirements in several approach. Prior to now five years, nearly every major senior administration change within the Godrej group is claimed to be, ultimately or the opposite, engineered by her.
The company management consists of A B Godrej - Chairman, N B Godrej - Managing Director, T A Dubach - Government Director & Chief Brand Officer, N S Near - Government Director & President, A B Choudhury - Director, S A Ahmadullah - Director, Okay Disturb - Director, J N Godrej - Director, V M Krishna - Director, K M Eluvia - Director, Okay N Pedigree - Director, Aspy Cooper - DirectorNow we're describing some commercial developments of workplace spaces obtainable at very reasonably priced value. Godrej Villas Greater Noida provides luxurious independent villas on the plot sizes of 100, a hundred twenty five, 220 and 300 sq yards within a fantastically master planned community featuring a grand Emerald Godrej Amenities membership house, sports activities services, gymnasium, around the clock security and different amenities. Godrej Prakriti Phase-II is adorned with lush greenery and well conserved water bodies. Godrej Emerald is positioned on the Ghodbunder road of Thane and is likely one of the future landmarks which are soon to be linked to the express street transits serving to folks to migrate easily from one place to another. Godrej Splendor is a 5 storey constructing with 2 BHK flats of area 975 The building is prepared for possession.
0 notes
Text
Cashless movement makes gains
Coin collectors are looking towards a busy fall season. The general public continues to take not only coins but bank notes for granted as a part of our everyday financial life. Increasingly, people outside the United States are beginning to wonder just how many coins are going to be available in circulation in the near future. The world is changing. We are looking at technology that is moving us increasingly towards becoming a cashless society. Is this for better, or for worse?
The arguments both for and against doing away with coins and bank notes are becoming well known. Likely the most important argument against going entirely cashless is the privacy issue. Any government can easily become “Big Brother” if all monetary transactions are done through electronic transfers. That same government can not only monitor how people spend their money, it can seize assets with a click of a button, this being an easy way to neutralize political adversaries.
The less obvious elephant in the room is that going cashless entrusts our entire monetary supply to the banking system. This is the same banking system that almost went to ruin during the recent Great Recession.
The threat from cashless technology is more ominous than might be expected. Three Square Market in River Falls, Wis., is already offering its employees the “opportunity” to be imbedded with a biochip through which financial transactions can be accomplished. Three Square Market management insists the biochips will not be used to track people or their spending habits. Even if this is true now, will it always ring true? This is the kind of technology we might expect to be embraced by a totalitarian regime such as that ruling North Korea.
The surprise comes from a one-political party governed nation, that being the Peoples’ Republic of China. It is the people of China embracing the cashless concept voluntarily rather than due to the dictates of their government.
According to iResearch Consulting Group, mobile payments in China reached almost $55 trillion U.S. dollars during 2016, about 50 times the U.S. markets’ estimated value. All this is centered on two Chinese companies, Tencent and Alibaba.
Tencent’s system is called WeChat, while Alibaba’s financial affiliate Ant Financial operates Alipay. Both use smartphone payment option technology. Both companies have the capability of providing inexpensive payment capabilities even to small merchants, who can get a printout of a QR code or use their telephones rather than an expensive card reader. Sources indicate both Tencent and Ant Financial are about to surpass both Visa and Mastercard in total daily transactions.
On July 18, the British newspaper The Independent reported “other services” fourth quarter (2016) earnings by Tencent almost tripled to US$93 trillion from one year earlier. These other services are reportedly mostly from mobile payments.
Richard Lim is the managing director of GSR Ventures, a venture capital firm in China. According to Lim, “From a tech standpoint, this is probably one of the single most important innovations that has happened first in China, and at the moment, it’s only in China.”
While nations including Denmark and Sweden are still struggling with card swipe technology as they try to go cashless, it appears in China all it will take is to use your telephone.
World financial domination could be achieved by a small number of companies rather than by governments if this trend continues, but a cashless society is already proving to be fraught with dangers, not just in China, but in countries such as Greece.
Greece is on a forced austerity program imposed by the European Union due to Greece’s past irresponsible economic policies. Cash transactions greater than 500 euros (about US$500) are already illegal. As of June 1, all salaries are required to be paid to bank accounts using direct electronic transfers. As of July 27, many businesses are being required to install point-of-purchase card readers and also being required to post notice that announce if card payments are either accepted or not. Automatic Teller Machine cash withdrawals are limited to 840 euros every two weeks.
Many banks in Norway are no longer issuing coins or bank notes. Norway’s largest bank, DNB or Den norske Bank, has called on the public to cease using cash.
Belgium is now limiting cash transactions to 3,000 euros, while France and Spain each are limiting such transactions to 1,000 euros. Statistics indicate 93 percent of all payments made in Belgium are cashless.
Denmark has announced it has a goal of eliminating all coins and bank notes by 2030.
Sweden is currently the most cashless society. Swedish bank notes and coins account for just 1.7 percent of its Gross Domestic Product.
The move towards going cashless is also gaining steam in India, Kenya, Somalia, and South Korea. (A “Digital Wealth Fair” was held Jan. 3 in Mumbai, India.) Some of these countries offer tax benefits to consumers using cards rather than coins and bank notes.
Not everyone outside of coin collecting is thrilled with the cashless movement. Germany recently defeated a measure that would limit cash payments to 5,000 euros. The German newspaper Bild recently published an editorial called “Hands off our cash.” Statistics indicate that about 80 percent of all transactions are still made in cash in Germany.
The Bank for International Settlements said there was about $4.54 trillion in cash (coins and bank notes) in circulation in the euro zone and 17 other major economies as of 2015. This represented about 8.9 percent of the Gross Domestic Product of these countries. The United States was reported to be circulating $1.42 trillion in bank notes. Japan had the highest bank note to GDP ratio at 19.4 percent.
According to the American Psychological Association, non-physical cash payments encourage larger amounts to be spent. Both gambling casinos and cruise ships have abandoned using cash or tokens in favor of debit and credit cards for this reason.
As CoinWeekly.com publisher Dr. Ursula Kampmann put it in a July 27 editorial, “Cash isn’t perfect, but it’s far fairer than all the expensive and modern services provided by banks and credit institutions. They’re interested in the wealthy middle class, not in the poorest of the poor with which they can’t make a great profit.”
A July 17 Bloomberg news report asked the question, “Who’s in favor of going cashless?”
According to Bloomberg, those favoring going cashless included governments, central banks, businesses, technology supporters, credit card companies and numismatists.
Why numismatists? The author of the Bloomberg story is likely naïve, since the report reasons: “Their coin collections would be that much rarer.”
This article was originally printed in World Coin News. >> Subscribe today.
More Collecting Resources
• Subscribe to our monthly Coins magazine – a great resource for any collector!
• Keep up to date on prices for Canada, United States and Mexico coinage with the 2018 North American Coins & Prices guide.
The post Cashless movement makes gains appeared first on Numismatic News.
0 notes