#prime finance guru

[marginal-effect]

god and i consider myself mildly well off given the state of the world rn and i sure as hell am not making fucking $100k a year

[astrologer-pandit-ankit-sharma]

Love Vashikaran Specialist in Indore

His love vashikaran services in indore are strikingly popular for all ills. This grand Indian Guru Ji is adored as the best love vashikaran specialist in indore.

Owing to the grand and exotic facts of being the largest city in Madhya Pradesh and also in the west-central India, and the prime hub for commerce, finances, and education in these regions of the country, clean and booming Indore has been witnessing massive number of love and relationships issues regularly, in addition to other life’s troubles and adversities. Considering solemnly these all features, our highly ambitious and globally-renowned Indian Guru Ji Ankit Sharma has been extending world-class and liberally-charged positive vashikaran solutions in indore for last three decades, including the solutions for various love and relationship problems of male & females lovers located in Indore.

His fast and truly superb love vashikaran services in indore changed the troubled and insecure relationships and lives of a massive magnitude of lovers (males and females of differing ages, ethnicities, financial positions, occupations, and religions) to rather harmonious, bright, and promising ones. These clashing, disrupted, separated, or suffering lovers located mainly in the following localities of multicultural Indore --- Vijay Nagar, Rajendra Nagar, LIG Colony, Khandwa Road, Super Corridor, Nipania, Mahalaxmi Nagar, Rau, Chandan Nagar, Silicon City, Ujjain Road, and AB Bypass Road. The most of these healed and cozily united lovers spoke the languages of Hindi, English, Malvi & Bundeli, Urdu, Marathi,Gujarati, Sindhi, Punjabi, and Bengali.

Boosted and propelled to as the best love vashikaran specialist in indore by all above cited facts and capabilities, our Chandigarh-based Guru Ji tackles nimbly all the following love problems and hurdles ---

Initial ambiguities, fears, and difficulties for starting a sincere love relationship with someone

Different internal conflicts, deficiencies, or separating factors between lovers

Any rival or vicious third person seeking to disrupt love relationship or love marriage

Certain rigorous constraints or barriers to love affairs or love marriage, imposed by any family or community concerned

Growing chances of love diminishment, disloyalty or betrayal, or breakup

Grave anxieties and yen related with getting the separated love partner again

And, swift cancelation of any serious and unsettling black magic, cast on any love partner

Finally, any of both the popular modes for receiving services is usable --- private meeting in-person and processing over online.

Love Vashikaran Specialist in Indore -Astrologer Ankit Sharma Ji Email: info(at)AstrologerAnkitSharma(dot)(com) Website: www(dot)AstrologerAnkitSharma(dot)(com)

[rdiasrohini]

Advance Your Career with the Top Ranked MBA, BBA and B.COM(H) College in Delhi NCR

Choosing the right business college is essential to establishing a prosperous corporate career. Rukmini Devi Institute of Advanced Studies (RDIAS) is a prestigious college that is a prime choice for ambitious business leaders looking for the best programs. Best MBA BBA College in Delhi, NCR Renowned for its dedication to quality in business education, RDIAS, affiliated to Guru Gobind Singh Indraprastha University (GGIPU), offers MBA, BBA and B.COM (H) programs.

Why RDIAS?

The best management college in Delhi, NCR, is committed to providing students with a first-class education that will prepare them for success in the dynamic business world. The college emphasizes a curriculum that combines academic concepts with real-world applications. This methodology guarantees that students have a thorough understanding of business subjects and the ability to apply them in practical situations.

Top-Ranked MBA Program

This prestigious college's MBA program aims to help students acquire the critical and strategic thinking abilities needed for leadership positions. The Delhi IP University College curriculum prepares students to tackle challenging business problems, emphasizing innovation, entrepreneurship, and global business strategies. The comprehensive curriculum provides a complete understanding of company management by covering essential topics, including finance, marketing, human resources, and operations.

BBA Program

Building a solid foundation in business ideas and processes is the fundamental goal of this prestigious college's BBA program. It offers a comprehensive business administration curriculum that prepares students for various job options. The college curriculum includes subjects such as management, business law, accounting, and economics, giving students the knowledge and abilities they need to succeed in the corporate world.

B.Com (H) Program

The B.Com (H) program is designed for students wanting to learn more about commerce and related subjects. It aims to give students a complete understanding of subjects such as company law, taxation, financial accounting, and business communication. For those who wish to work in banking, consulting, accounting, or finance, B.Com (H) is perfect.

Excellent Placement Record

This prestigious IPU college in Delhi NCR has an excellent placement record, which is one of the strongest arguments for choosing it. This college has an excellent placement record, where graduates find desirable jobs locally and abroad in prestigious businesses. To ensure that students get lucrative job prospects, the committed placement cell at the college makes endless efforts to match students with leading companies.

Vibrant Alumni Network

The best MBA BBA college in Delhi NCR prides itself on its strong alum network, which actively supports current students. This vibrant network provides invaluable advice, guidance, and support to help students move forward on their career paths and achieve their professional goals. Alums often return to the college to share their experiences, conduct workshops, and offer career advice, fostering community and continuity.

Conclusion

It is immensely satisfying to have a strong network of the best MBA BBA college alums in Delhi NCR who actively assist current students. With this dynamic network's crucial advice and support, students can navigate their career paths better and achieve their professional objectives. To foster community and continuity, alums often return to the institute to discuss their experiences, lead workshops, and offer professional advice.

Take advantage of unlimited opportunities and start your path to success with IP University BBA College in Delhi right now!

[chhayaai]

🚀 Supercharge Your Income: 7 Game-Changing ChatGPT Prompts for Financial Mastery!

Unleash the Power of AI to Skyrocket Your Earnings and Achieve 10X Income Growth!

Ready to turbocharge your finances and skyrocket your income to new heights? Discover how ChatGPT can revolutionize your financial journey with these seven ingenious prompts!

In today’s fast-paced world, mastering your finances isn’t just about budgeting and saving — it’s about unleashing every tool in your arsenal to maximize your earning potential and build lasting wealth. Thankfully, with the rise of artificial intelligence, the game has changed, and ChatGPT is leading the charge! 🌟 Let’s dive into the future of financial success together!

— -

ChatGPT as a Business Analyst

📊 Analyzing Opportunities like a Pro

In the world of business, data reigns supreme. Whether you’re a seasoned entrepreneur or just dipping your toes into the market, having the ability to dissect trends and make informed decisions is paramount. Enter ChatGPT — the virtual business analyst you never knew you needed! By feeding it data and posing the right questions, ChatGPT becomes your go-to guru for uncovering market opportunities, analyzing competitors, and pinpointing areas primed for growth. Say hello to your secret weapon for crafting winning strategies! 💼💡

🛒 Turning “Maybes” into “Must-Haves”

Ever feel like your sales process could use a little extra oomph? ChatGPT’s got your back! Whether you’re selling widgets or wooing clients, it’s all about making your offer irresistible. Dive deep into the mind of your consumer, unearth their hesitations, and transform them into enthusiastic “yeses” with ChatGPT’s savvy insights. It’s like having a sales superhero in your corner — ready to save the day, one conversion at a time! 💥💰

You are a business analyst tasked with reviewing the sales process for [describe your product or service] targeted towards [describe your ideal customer]. Your goal is to identify ways to make your offer a no-brainer decision for potential customers who currently do not buy. Analyze the "current situation" and pinpoint reasons why potential customers may not be inclined to purchase. Then, propose switches that could make your offer more compelling. This could include targeting a different audience, modifying the offer itself, or even changing the business approach entirely. Remember, the aim is to simplify the sales process by aligning it with where the money is and making it more attractive to potential customers. Provide clear, actionable suggestions to achieve this goal. current situation: [Describe the reasons customer give for not buying or ad any other situation]

Rework Your Beliefs with ChatGPT

🔄 Out with Limiting Beliefs, In with Unlimited Potential

Struggling with money mindset roadblocks? Fear not! ChatGPT is here to help you kick those limiting beliefs to the curb and embrace a mindset of abundance. From banishing imposter syndrome to redefining what success means to you, ChatGPT serves up evidence-based insights and success stories to fuel your financial journey. Say goodbye to doubt and hello to endless possibilities! 🌈💸

💭Unlocking Your Financial Blueprint

Ever wondered how your beliefs shape your financial reality? Dive deep into your money mindset with ChatGPT’s eye-opening assessment. Rate your beliefs on a scale of 1 to 10, uncovering subconscious barriers and paving the way for transformative change. It’s time to rewrite your financial story, one belief at a time! 📝💡

I suspect I may be holding subconscious money beliefs that are impacting your earning potential. To uncover and reframe these beliefs, You'll present a series of statements about money, one by one. After each statement, You'll ask me to rate it on a scale of 1 to 10, with 1 indicating 'strongly do not believe' and 10 indicating 'strongly believe.' For example, if You say, 'Money doesn’t grow on trees,' I would rate your belief in this statement on a scale from 1 to 10. Remember, 1 means 'strongly do not believe' and 10 means 'strongly believe.' You'll continue sharing statements until I have rated ten in total. Once I've rated all the statements, You'll provide an assessment of my money mindset based on my ratings. Additionally, You'll suggest ways I can reframe my beliefs to support my financial goals. Let's get started with the first statement.

Hold an Abundant Mindset

💰 Making It Rain — Literally!

Ready to swim in a sea of cash? With ChatGPT by your side, it’s not just a dream — it’s a reality! Picture yourself wading through a comical cascade of money, with bills raining from the sky and dollars sprouting from trees. Embrace the abundance mentality and watch as prosperity flows into every area of your life! 🌧️💵

I want to hold a more abundant mindset around money. Describe a scene where money is comically flowing from all directions towards me (for example raining from the sky, growing on trees, and being thrusted into hands by everyone who passes me.) To provide context for the story, I live in [name your town or city] and I sell [describe what your business sells] for [price] per [unit, for example, month, week or item]. Within this scene I should be wading through cash, with more of it arriving, to really emphasize the message that I am more than capable of generating income.

Find the Cost of Your Dream Life

💭 Dream Big, Plan Bigger

Ever fantasized about living your best life? ChatGPT can help turn those dreams into actionable plans! From exotic adventures to luxury living, explore the cost of your wildest aspirations and uncover the path to making them a reality. With ChatGPT as your guide, no dream is too big or budget too small! 🌟🌍

The task is to create a two-column table that presents the cost of my dream life. First, ask me about activities and experiences I want to have in the following increments: every day, every week, every month, every quarter and every year. Do not suggest them for me, ask me for them. Encourage me to dream big. When I have given responses for every time period stated, create the two-column table that assigns a cost to every item and present the table with an itemized breakdown and a final number that represents the total cost of my dream year. Ask me if that sounds accurate and invite me to revise the estimates up and down. If I want to continue the discussion, offer to brainstorm ways that I could earn that number with my existing resources.

The Debt Destroyer

💣 Blast Your Debt to Smithereens

Is debt dragging you down? Fear not! ChatGPT is here to help you obliterate those financial shackles and reclaim your freedom. With personalized repayment plans and expert strategies, kiss debt goodbye and pave the way for a brighter financial future. It’s time to take back control of your finances — once and for all! 💥🔓

Let's work together to create a step-by-step plan to help you pay off your outstanding debt and achieve financial freedom. To get started, please provide details about your outstanding debts, including the name of the creditor, the outstanding balance, and the interest rate for each debt. Once you've provided the necessary information, we'll prioritize your debts by focusing on those with the highest interest rates first. Then, I'll design a personalized debt repayment plan for you, outlining each step you need to take to pay off your debts systematically. In addition to prioritizing debts, we'll explore strategies to increase your income and reduce your spending to accelerate your debt repayment. This may include seeking additional sources of income, freelancing, selling unused items, creating a budget, cutting unnecessary expenses, or finding more affordable alternatives for your regular expenses. Throughout this process, remember that consistency is key. By sticking to the repayment plan and making regular payments towards your debts, you'll steadily progress towards becoming debt-free. Let's get started on your journey to financial freedom together. outstanding debts: [Amount], name of the creditor: [Name], outstanding balance: [Amount], and The interest rate for each debt: [rate of interest]

Address Your Worthiness with ChatGPT

💪 Embrace Your Financial Powerhouse

Struggling with feelings of inadequacy? ChatGPT is your ticket to reclaiming your financial worth! Explore empowering mantras, tackle imposter syndrome, and unleash your inner money magnet with tailored exercises designed to boost your confidence and ignite your financial fire. Say hello to a bold new chapter of financial empowerment! 🚀💼

Act as a financial psychologist and assume that I have confidence and worthiness issues when it comes to money. Come up with three options for positive and empowering money mantras and ask me to rank them in order of which resonates the most. If I say that any don't resonate, provide me with an alternative mantra, that I can assess. Repeat this until there’s a final three. Next, create a series of exercises for me to undertake, for example, speaking these mantras out loud or writing them down and placing them where I can always see them, such as on a mirror or as my phone lock screen. Suggest a total of 3 exercises. When we are done, then ask how I feel about money. The goal is that I feel inspired to go and make money, and open to opportunities to do so.

Build a Passive Income Stream

💰 Work Smarter, Not Harder

Ready to kiss 9-to-5 goodbye? With ChatGPT as your passive income guru, it’s easier than ever to create a life of freedom and abundance. Explore lucrative opportunities like real estate investing, dividend stocks, and online ventures, all while ChatGPT serves up personalized strategies to match your goals and interests. Say hello to the passive income revolution! 💼💸

Imagine you're guiding beginners interested in passive income strategies for "interests, skills, and financial goals". You're providing detailed insights into three different passive income strategies. Research and explain three different passive income strategies suitable for beginners in the "interests, skills, and financial goals", covering key concepts, benefits, potential risks, and practical steps for implementation. Write in a clear and straightforward manner, avoiding jargon. Focus on providing practical guidance and actionable steps. You have the freedom to choose the passive income strategies to discuss.

Conclusion

Mastering your finances has never been easier — or more exciting — thanks to ChatGPT! With its arsenal of analytical prowess, mindset-shifting prompts, and actionable advice, you’re poised for 10X income growth and beyond. Whether you’re a budding entrepreneur, seasoned investor, or dreamer with big plans, ChatGPT is your ultimate ally in the pursuit of financial mastery. So why wait? Unleash your financial potential today and pave the way for a future filled with wealth and abundance!

“Financial success is not about luck; it’s about leveraging the right tools and mindset to create abundance.”

Explore more prompts like these on Chhaya AI prompt library.

Unlock the power of AI for financial mastery with ChatGPT. From business analysis to mindset reprogramming, ChatGPT has the tools you need for 10X income growth. Try it now! 🚀💰

[maharghaideovate]

Unleashing Your Potential: Top Industries Hiring Distance Learning MBA Graduates

Earning a distance learning MBA is a remarkable achievement. You've juggled work, personal commitments, and the demands of rigorous coursework – all while mastering the art of remote learning. Now, with that coveted degree in hand, you might be wondering, "What exciting career opportunities await a distance learning MBA graduate like me?"

The answer, my friend, is a resounding – a lot! These MBA programs are increasingly sought-after by companies across a diverse range of industries. Why? Because you've acquired a potent blend of business acumen and the key skills needed to thrive in today's dynamic work environment – the ability to excel in a remote setting and manage your time effectively.

Let's delve into some of the top industries actively recruiting distance-learning MBA graduates:

Finance: The Numbers Game with a Strategic Edge

The world of finance beckons those with a sharp mind and a passion for numbers. From wielding financial modeling tools like a pro as a financial analyst to crafting strategic investment plans as a portfolio manager, your distance learning MBA equipped you with the knowledge and skills to navigate this complex world. You'll analyze financial data, identify investment opportunities, and ensure companies make sound financial decisions.

Healthcare: Bridging the Gap Between Business and Healing

The health care industry is a fascinating intersection of cutting-edge medicine and financial viability. Here's where students with a passion for health can truly shine. You could be a health care administrator, steering the course of a hospital or clinic, ensuring efficient operations and patient well-being. Alternatively, you might excel as a pharmaceutical sales representative, connecting health care providers with life-saving drugs, or even a consultant, helping health care organizations streamline operations and improve patient care delivery.

Tech Whiz with a Business Compass: Conquering the Tech Frontier

The tech industry is a whirlwind of innovation, constantly pushing boundaries and rewriting the future. Businesses in this dynamic space need strong leaders who can navigate this ever-changing landscape. If you're a tech enthusiast with a MBA degree from any distance MBA colleges, this industry might be your perfect playground. Imagine yourself as a product manager, the mastermind behind the next groundbreaking app. You could be a data scientist, wielding the power of information to unlock valuable insights, or even a marketing whiz leading digital campaigns that capture the attention of millions.

Consulting: The Problem-Solving Powerhouse

Do you thrive on untangling complex situations and crafting brilliant solutions? Then the world of management consulting is calling! Your distance MBA honed your analytical thinking and communication skills, making you a prime candidate for tackling diverse business challenges across industries. As a consultant, you could be the hero who helps companies identify their blind spots, develop winning strategies, and navigate complex challenges to achieve sustainable success.

Marketing Maven: Weaving Stories in the Digital Age

The marketing world craves storytellers with a strategic mind. Distance learning MBA graduates who understand the intricacies of crafting compelling brand narratives while navigating the ever-expanding digital marketing landscape are in high demand. You could be a marketing manager, the mastermind behind successful brand campaigns that resonate with target audiences. You might excel as a social media guru, keeping your brand buzzing online and nurturing a loyal community. The possibilities also extend to market research, where your analytical skills would be invaluable in uncovering consumer insights that drive winning strategies.

Sales All-Star: Turning Relationships into Results

Got the gift of gab and a strategic mind to match? Sales positions are wide open for distance learning MBA graduates. Your distance learning experience likely honed your communication and relationship-building skills, and when coupled with your business acumen, you have the potential to become a top performer. Imagine yourself as a sales manager, leading a team to crush quotas, or an account executive, forging strong relationships with clients and driving lucrative deals.

Educating the Future: Shaping Young Minds with Business Savvy

The education sector is constantly evolving, and distance learning MBAs are well-positioned to make a significant impact. Think beyond the traditional classroom. You could be in an educational leadership role, guiding schools or institutions toward innovative approaches to teaching and learning. You might develop an engaging curriculum that ignites a passion for learning or even design online courses that make education accessible to a wider audience. With your distance learning background, you'll understand the unique challenges and opportunities presented by online education.

Making a Difference: Where Business Meets Social Impact

The non-profit sector is a force for good, and it's always looking for passionate leaders with strong business skills. Your distance learning MBA can open doors to program management roles, where you'll oversee initiatives that create positive change. You might excel in fundraising positions, securing the resources needed to fuel those initiatives. The possibilities even extend to executive director roles, where you'll lead the entire organization toward a brighter future, ensuring its mission and vision are effectively translated into impactful programs and services.

Remember, this is just a glimpse into the vast possibilities that await you if you are a graduate of one of the best accredited online MBA programs. The specific industry and role that's the best fit for you will depend on your unique interests, skills, and experience. By taking these steps, you'll effectively bridge the gap between your distance-learning MBA and your dream career. Remember, the skills and knowledge you've acquired through this challenging program have equipped you to become a valuable asset in a variety of industries. So, confidently step into the job market, showcase your unique strengths, and unleash the full potential of your distance learning MBA!

[recentlyheardcom]

'Clean this mess up': A 70-year-old with zero retirement savings and sketchy income called up Dave Ramsey for help. The guru was at a loss for words — until he learned about one indulgenceFor many Americans, retirement means finally being free to live on your terms. But you’re going to need cash on hand to pay for your daily expenses, and lots of it.So what do you do if you’re nearing retirement and don’t have a penny put toward it?Don't missOn an episode of The Ramsey Show, a 70-year-old named Janice shared how she and her husband are in that very situation. Unfortunately, the predicament Janice described is common. According to a 2023 study published by Credit Karma, 27% of Americans aged 59 and up don’t have any retirement savings.Janice and her husband had $25,000 cash in savings and a home worth about $250,000, with $27,000 left to pay off. They also owed $11,000 on a car. The biggest issue, Janice told Ramsey, was that she and her husband disagreed over how to allocate the $25,000 saved.“My husband wants to take the money that we have and pay off the car, and then take those $350-per-month car payments and pay off the house,” Janice said. “My problem is I’m so stressed I at least want to have a house to live in … so I need some help here.”The situation is seriousThe couple receive $2,000 per month in Social Security payments and Janice told Ramsey she was making around $2,000 on top of this as a house cleaner. She said her husband was able to work here and there, but physical limitations prevented him from earning a steady income.The couple also had issues with medical bills and “bad cash investments” that added to their financial woes.At first, Ramsey seemed completely stumped. He then questioned Janice about the car. She revealed the couple actually has three, including a roadster worth around $10,000.Story continues“I’m sorry but the roadster is gone,” Ramsey said. “I’m sure that’s going to break his heart but I’m sorry. It’s gone.”Using their $25,000 of savings combined with another $10,000 from selling the roadster, Ramsey advised Janice to pay off the other car, keep $15,000 as an emergency fund and put the rest toward the house. He also suggested she and her husband get to work paying off the rest of their home over the next year and a half.“Because with no debt at all, you can make it,” he said. “It’s not going to be pretty, but you can make it.”From there, Ramsey directed Janice to cut spending except on essentials.“If you want to keep this house you’re going to start living like you’re completely bankrupt,” he told Janice. “Because you have to clean this mess up. You do not have wiggle room here.”Read more: Thanks to Jeff Bezos, you can now use $100 to cash in on prime real estate — without the headache of being a landlord. Here's howThe time to act is nowRamsey made it clear there that she had no time to spare. Her husband can't work and with her cleaning job causing stress, Janice could find it a short matter of time before that income dries up.However, the finance guru did point to another option to create breathing room.Ramsey told Janice the couple could “end up selling your house and buy a condo for $100,000 and have a $100,000 slush fund to live on and have a life.“Now you can go ahead and do that if you want,” he said. “That’s your retirement home.”He’s right. While the average cost of a condo in Oklahoma City is greater than $100,000, there were still several listed on Realtor.com under $100,000.While moving is a creative solution, Ramsey guessed this would be emotionally painful for the couple. But as he noted, “It’s time to make a choice.”What to read nextThis article provides information only and should not be construed as advice. It is provided without warranty of any kind.

[imvijay525]

जगत गुरु रामपाल जी

प्रकृति का निर्माण (ब्रह्मांड)

हिंदू धर्म में सर्वोच्च भगवान

इस्लाम में अल्लाह कबीर

ईसाई धर्म में सर्वोच्च भगवान

सिख धर्म में सर्वोच्च भगवान

जैन धर्म में सर्वोच्च भगवान

बौद्ध धर्म में सर्वोच्च भगवान

अमर भगवान कौन है?

लोग नास्तिक क्यों होते हैं?

क्या आप जानते हैं ?

भगवान कहाँ रहता है

वेदों

पवित्र शास्त्र / पुस्तकें

संत रामपाल जी

संत रामपाल जी के बारे में "नास्त्रेदमस" की भविष्यवाणी

भगवान कृष्ण सर्वोच्च भगवान हैं

क्या भगवान कृष्ण वास्तव में सर्वोच्च भगवान हैं?

कुरान

कुरान में अल्लाह कबीर

बाइबिल में भगवान कबीर

बाइबिल में भगवान कबीर

��गत गुरु रामपाल जी महाराज - सच्चे आध्यात्मिक नेता और सर्वोच्च सर्वशक्तिमान ईश्वर के अवतार

In this mortal world which is no more than a fake fantasy that can end any second, people are busy accumulating enough of the world’s currency by hook or by crook. It is rightly said, that only the Real Saint can make us recollect the prime motive of getting a human life, which is to follow the true method of worship and landing back on the immortal abode, where there is no sorrow, no old age and most importantly, no death!

As the world is full of fake gurus who are playing negatively with the lives of devotees and possess no spiritual knowledge, Saint Rampal Ji Maharaj is the only Real Saint who has set straight, the tangled path of worship, by letting us know the complete details about scripture based worship and the immortal land, Satlok! Saint Rampal Ji Maharaj has provided authentic answers to all the questions that remained a mystery till now, such as -

Who is the Supreme Almighty God?

From where have we come?

Why do we face problems?

Why do we die?

What happens with a soul after death?

Why do people face problems and die an untimely death, even when they are already worshipping?

Is there a land devoid of sorrows, old age and death?

How can we attain the plentiful and immortal abode?

The knowledge provided by Saint Rampal Ji Maharaj is soul purifying and every single thing told by Him, is backed up by numerous proofs from the Holy books of all religions.

Satguru ke lakshan kahu,

Madhure bain vinod.

Char ved chatt shashtr,

Vo khein athaara bodh!

The words and speech of the Real Saint are divine and pious. He delivers the spiritual knowledge, taking our Holy books and scriptures as the base. Saint Rampal Ji Maharaj is the only True Guru, who delivers spiritual discourses by providing evidences from our Holy books & scriptures and has proved, that Lord Kabir is the Supreme Almighty God, testifying this fact from the Holy books of all religions! The knowledge provided by Saint Rampal Ji is unprecedented and unparalleled, after following which, people receive all sorts of benefits, be it health related, finance related or spiritual ones. Not just this, the power of Supreme God knows no bound, so therefore, after following the true method of worship provided by Saint Rampal Ji Maharaj, people get blessed with life extension as well!

All of this in itself proves one thing transparently, that Saint Rampal Ji Maharaj is the True Spiritual Leader, who is doing every single thing for the welfare of souls.

Also, take a note of these lines;

“Whenever there is an increase in unrighteousness and distortion in the path of devotion; At that time, the Almighty God Himself descends on earth to establish righteousness by imparting true spiritual knowledge based on holy scriptures”.

[centenarybank]

Shopping Made Enjoyable

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They are available in varied kinds and materials ranging from Metal, Leather, Rubber, Plastic, Glass, and extra. Apart from cell circumstances, you will findLaptops Covers, Tablet Covers, Headphone Covers, Watch Bands, and extra. Get these from prime manufacturers like Apple, Samsung, and OnePlus, Realme, different popular names such asChumbak,Macmerise, Na-Kd, andMvyno. If you have a aptitude for images, it is about time you get a camera!

“It’s more than likely a method to get extra data and take a look at the right worth,” Guru Hariharan explained, after I had sketched the pattern on a whiteboard. The most essential key figures offer you a compact abstract of the topic of "E-commerce worldwide" and take you straight to the corresponding statistics. Bloomberg Markets European Open Bloomberg Markets European Open kick starts the buying and selling day, breaking down what's moving markets and why. Francine Lacqua and Tom Mackenzie reside from London deliver you an action-packed hour of stories no investor in Europe can afford to miss. Save time with online pickup or supply right to your door.

Online retailers are greatest for discreet purchases of things like adult toys, sexy lingerie, and so forth. This enables me to buy undergarments and lingerie with out embarrassment or any paranoia that there are individuals watching or judging me. Sending presents to relatives and friends is simple, regardless of the place they're. Now, there is no have to make distance an excuse for not sending a present on occasions like birthdays, weddings, anniversaries, Valentine's Day, Mother's Day, Father's Day, and so forth. Where else are you capable to comfortably shop at midnight while in your pajamas? There aren't any strains to wait in or cashiers to trace down that will help you along with your purchases, and you are capable of do your shopping in minutes.

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PARIS (Reuters) - As Emmanuel Macron launches his campaign for a second term in April's presidential election, he can count on an economic boom that French voters have not seen the likes of in a generation to boost his bid.

With economic growth surging and unemployment falling, Macron can point to a barrage of data to show he has rebooted the euro zone's second biggest economy, though the fallout from the Ukraine crisis risks distracting from his economic record.

Announcing last Thursday that he would run for re-election, Macron will need to convince voters that the economic gains are trickling down despite surging inflation, which is likely to climb higher as the Ukraine conflict boosts energy prices.

Even if the finance ministry estimates households' gross disposable income has improved twice as much under Macron as during the previous two presidencies, polls suggest that voters' top worry is dwindling purchasing power.

Within months of taking office in 2017, the former investment banker cut taxes on investors and the wealthy while relaxing hiring and firing rules long deplored by employers.

By the time the COVID-19 pandemic erupted, the French economy was outperforming many European peers and, as the crisis has begun to ease, bounced back even more strongly with growth last year reaching a 52-year high of 7%.

Stubbornly high unemployment fell to the lowest level since just before the 2008-09 global financial crisis. More important, economists say, is an uptick in the employment rate - the share of people available to work who are actually in jobs.

While France still lags countries such as Germany and the Netherlands, the improvement matters because high youth unemployment and early retirement have long weighed on France's employment rate.

Employers are now less squeamish about hiring on long-term contracts that are hard to break when firms need to downsize, data on payroll welfare contributions indicates.

Macron has appeared most in his element as salesman-in-chief pitching the French economy to foreign investors at annual dinners for CEOs of some of the world's biggest multinationals.

Foreign direct investment data suggests the effort has paid dividends, hitting record levels before the pandemic, even if it temporarily collapsed as the coronavirus spread globally.

A recent flood of foreign investment has made France's tech scene red hot and promises Macron made in 2019 to transform France into a "start-up nation" no longer look far-fetched.

Dressed in a black turtleneck like former Apple CEO and guru Steve Jobs, Macron recently feted France's 25th unicorn - a start-up valued at more than a billion dollars - ahead of his own target of 2025.

Beyond tech, there is some evidence of a broader entrepreneurial spirit taking hold, with new business registrations hitting record levels, even if in part due to self-employed delivery workers riding the online-shopping boom.

Where Macron is most exposed is the public finances. Conservative candidate Valerie Pecresse accuses him of burning through cash during the crisis and pushing the national debt to a record of some 115% of GDP.

The central bank says it will take a decade to get debt back down to pre-crisis levels below 100% and a break with the soft-touch management of public expenditures seen in the previous decade.

Public spending remains among the highest in the world, and promises to shrink the civil service headcount by 50,000 were quietly scrapped.

Meanwhile, Macron's scrapping of France's wealth tax early in his presidency in favour of a tax on real estate did not unleash a desired wave of investment, according to a report last October from the Conseil d'Analyse Economique think-tank, which is part of the prime minister's office.

The move did however reverse a flood of wealthy taxpayers moving abroad and helped boost dividend payouts to households, the study found.

Macron paid a high political price, however, with opponents and "yellow vest" protesters branding him a "president of the rich".

Desperate now to keep an inflation scare from denting his economic success, Macron's government is spending more than 15 billion euros to cap gas and power price surges hitting many consumers.

There is another glaring blemish on Macron's economic record in the form of France's abysmal trade deficit, which reached a record 3.4% of GDP last year.

Although strong import demand and high energy prices can be partially blamed, even Macron's finance minister, Bruno Le Maire, says it is just as much a symptom of France's still weak international competitiveness.

[aenarz]

Far Eastern University

Nicanor Reyes St. Sampaloc Manila

Institute of Tourism and Hotel Management

Institute of Accounts, Business, and Finance

A Strategic Management Paper

On SMDC

In Partial Fulfillment of the Requirements in the Course

Strategic Management

Presented to

Prof. Sofronio S. Dulay

Facilitator, BME1102 Sec 14

Presented by

GROUP 5

Valdez, Ron Aenar

Calicoy, John Cesar

Perez, Karl Brian

Landa, Andrei John

Reyes, Ericka Adrielle

Torres, Ranzimiel Kay

Jino-o, Ashley Anne

Tapucol, Happy Aira

Table of Contents

I. Executive Summary……………………………………………………3

II. Internal Assessment……………………………………………….5

A. Corporate Profile…………………………………………………………5

B. Company Vision and Mission…………………………………....………………..7

C. Corporate Officers…………………………………………………………8

D. Product Line……………………………………………………………….9

E. Internal Factor Evaluation Matrix…………….................38

III. External Assessment………………………………………………………………...41

A. Porter’s Model Analysis………………………………………………………..41

B. External Factor Evaluation Matrix ……………………………………………44

C. Competitive Profile Matrix …………………………………………………...47

D. Key External Factor……………………………………………………………49

IV. Strategy Formulation …………………………………………………………………...52 A. Boston Consulting Group Matrix………………………………………………53

B. Strategic Position and Action Evaluation Matrix……………………………..55

C. Grand Strategy Matrix………………………………………………………….60

D. Internal - External Matrix……………………………………………………….62

E. Strength - Weaknesses- Opportunities - Threats Analysis…………………63

F. Quantitative Strategies Planning Matrix……………………………………..75

V. Strategy Recommendation……………………………………………………………79

VI. Action Plan……………………………………………………………………………...82

VII. Conclusion……………………………………………………………………………...83

VIII. Financial Projection………………………………………………………………………86

IX. References…………………………………………………………………………………93

I. Executive Summary

SM Development Corporation (SMDC) is considered as one of the largest and fastest-growing real estate developers in the country. It was originally incorporated on July 12, 1974 as Ayala Fund, Inc. however, renamed as SM Fund, Inc. in March 1986 after SM group of companies took the majority of ownership in the firm. SM Fund, Inc. back then was an investment company committed solely in providing its investors with professionally managed vehicles to invest in diverse businesses in the country. In May 1996, it was again renamed as SM Development Corporation to reflect on its new business endeavor which is to venture into the real estate industry.

In the Philippines, there are two major competitors of SMDC: Ayala Land Corporation which, based on the CPM has a total rate of 3.26 (strong competitor) and Megaworld Corporation which has 2.75 (average competitor). SMDC has a total rate of 2.65 which manifests the idea that despite the fact that both of these companies are top performers, SMDC continues to create its name in the industry and achieve greater heights. In the recently concluded 8th Property Guru Awards 2020, SMDC bagged numerous awards including the Best Developer Award, Best Developer Lifestyle Award, etc. (SMDC, 2020). For over 25 years of being in the real estate industry, the company has provided quality condominiums, residences and comfortable homes at the most affordable price.

Based on the IFE matrix, the company’s strength is their capability of providing modern lifestyle amenities without compromising the safety and security of the people. Furthermore, its accessibility to various infrastructures such as shopping malls and its flexible mode of payment attracts a huge number of investors. However, its IFE rating is only 2.48 mainly because of the non-liquid asset which can lead to a possible loss in value and high maintenance cost. SMDC could further improve its performance by generating alternatives and feasible solutions that could effectively address these issues.

The overall responsiveness of the SMDC to its external factors is satisfactory at a rate of 3.22. This is due to the company’s external strategies effectively taking advantage of existing opportunities and minimizing the potential adverse effects of external threats. Currently, SMDC is ranked as the 3rd best real estate developer in the country based on the data released by Property Consultancy & Sales Associates Inc. in 2019. Thus, if they can further examine and analyze the opportunities and threats for the upcoming years in a wider perspective, they could create excellent plans that will surely benefit the company and improve its rank in the industry. In addition, being able to take advantage of the possible threats that may hinder a company's triumph is vital to leverage success. Towards its strategic goal in becoming one of the top competitors and leading real estate developers in the country, SMDC should highly consider market penetration and product development strategies as the suitable strategy for the company. Market penetration will equip the company in perfuming its name in the market, fueling great sales, revenues and attracting a wide range of customers by: (1) launching more projects not just in NCR but in the entire Philippines and (2) penetration pricing without compromising the quality of the properties.

Product development strategies include: (1) Expanding the company’s services which will thoroughly help in providing a much better experience and comfort of living to its investors and (2) Improving and adding modernly designed amenities which will enhance the appearance of every property and cater new demands of its investors for their very own satisfaction.

Other instinctive strategies include horizontal integration strategies through (1) purchasing new lands and building new real estate properties and (2) acquiring or seeking ownership/control over company’s investors. With the utilization of these strategies, the company’s vision of becoming the leading developer of world-class residences in the Philippines and a catalyst for a better life will be realized with high sales and revenues in the upcoming years.

With the appropriate execution, performance management and coordination with the operation and the corporate affairs, these recommended strategies will serve as the primary driver of SMDC triumphs not just in being one of the top competitors in the industry but also in magnifying its coverage and competencies, boosting the economy and company’s growth

INTERNAL ASSESSMENT

A. Corporate Profile

SM founder Henry Sy. laid the groundwork of and piloted the development and evolution of SM Investments Corporation (SMIC). What started out as a dream of selling a good pair of shoes to every Filipino has turned into one of the country’s largest holding companies today. In the six decades since, it has become a leading presence in retail, banking, and property development in the country and a rising presence in China. It has since innovated its products and services providing the best value in both aspects for its customers.

SM Prime Holdings, Inc. (SMPH) also has become the largest integrated property developer in Southeast Asia. In terms of assets, it is the largest in the country. Offering innovative and sustainable lifestyle cities alongside developing malls, residences, offices, hotels and convention centers, it has become the biggest retail shopping center developer and operator in the Philippines. From starting out as a humble mall developer and operator, it has currently established 76 malls in and outside Metro Manila and 7 shopping malls in China with 17,937 tenants in the country and 1,857 tenants in China.

Besides mall development and management through its units and subsidiaries, it also has commercial business units, the Commercial Property Group (CPG) which engages in developing and leasing office buildings in Metro Manila. SM Development Corporation (SMDC), their residential business component, also sells affordable condominium units. Their Hotels and Convention Centers business unit is also engaged in developing and managing various hotel and convention centers across the country.

SMDC prides itself in the style, comfort, and convenience Filipinos experience with them. Offering the makings of the next dream home, it provides quality amenities and top-notch services. With the commitment to provide access to luxurious urban living through vertical villages perfectly integrated with a commercial retail environment, it aims to give its residents access to a truly cosmopolitan lifestyle. Their properties are strategically positioned across Metro Manila with their focus being the Central Business Districts of Mall of Asia Complex, Makati, Ortigas, Taguig, Quezon City, Manila, Pasay, Parañaque and Las Piñas. In addition, they can also be accessed from neighboring provinces like Cavite, Bulacan and Pampanga.

Corporate Head Office:

One E-com Center, 10th Floor Harbor Drive

Mall of Asia Complex, CBP-IA

Pasay City 1300, Philippines

B. Company Vision and Mission

SM Development Corporation

Vision

We envision SM Development Corporation to be a leading developer of world-class residences in the Philippines, uplifting Filipino lifestyles into one that is convenient, upscale yet affordable, and environment friendly.

Mission

· Ensuring that its homebuyers enjoy the best value for their investment with an upscale lifestyle, generous amenities, and a safe, secure, and friendly neighborhood;

· Providing an excellent after-sales and maintenance service that will preserve and enhance the long-term value of its residences;

· Delivering sustainable long-term growth and increasing shareholder value by exercising prudence in resource management based on the principles of good corporate governance;

· Becoming an employer of choice, offering comprehensive opportunities for career growth and enhancement; and,

· Assisting and nurturing the communities in which it operates by progressively building on its role as a responsible corporate citizen;

C. Corporate Officers

SM Development Corporation Properties

Air Residences

Price range: Php 6,300,000 - Php 7,500,000

Meaningful relationships. Career opportunities. Personal well-being. All these define your story of success, and it all begins at SMDC Premier’s Air Residences

Coast Residences

Price range: Php 5,500,000 - Php 23,000,000

Designed to capture your eyes with its seagull-inspired façade design, Coast Residences soars 41 storeys high.

Fame Residences

Price range: Php 5,100,000 - Php 6,800,000

Strategically located, Fame Residences rises in Central EDSA, providing you easy access to everything that matters. This iconic development offers an address that truly compliments a desired lifestyle. When you live at the center of it all, you live life in the spotlight.

Blue Residences

Price range: Php 2,000,000 - Php 5,000,000

SMDC Blue Residences promises to help you maximize your student life as it is located at the corner of Katipunan Avenue and Aurora Boulevard, near colleges and universities like the University of the Philippines, Ateneo De Manila University and Miriam College.

Bloom Residences

Price range: Php 4,600,000 - Php 7,100,000

Bloom Residences is a home where you can plant your roots as you start your career, grow the love for your family, care for your little buds and eventually carve some names in the family tree.

Breeze Residences

Price range: Php 12,400,000 - Php 14,500,000

Enjoy the convenience of the city while luxuriating amidst the quiet calm of Manila Bay.

Cheer Residences

Price range: Php 3,200,000 - Php 3,500,000

Take your life to new heights as Cheer Residences introduces a fresh perspective to residential living in Marilao, Bulacan. It is the first vertical development of its kind in the area that offers the convenience of having its own mall within the complex. First-rate amenities elevates the quality of life of the residents as they get to enjoy an array of activities daily.

Cheerful Homes

Price range: Php 1,100,000 - Php 1,700,000

SMDC Cheerful Homes has its own transport hub located within the community’s commercial area, for the convenience of its residents. Plus, it’s just a short ride away from various points of interests in Pampanga.

Cool Suites

Price range: ₱/mo.

Cool Suites is the newest garden complex in the flourishing Wind Residences estate. Nestled inside the complex is an array of lush foliage and greenery that serve as a private retreat where you can relax and recover from the busy work week. With SMDC’s signature 5-star amenities, it is a perfect holiday home for those who enjoy the cool wind of Tagaytay.

Field Residences

Price range: Php 5,000,000 - Php 5,600,000

Just across SM City Sucat, Field Residences is located along Dr. A. Santos Avenue (formerly Sucat Road), Barangay San Dionisio, Parañaque City. International and domestic airports are also close at hand, as well as the Entertainment City where endless leisure, shopping, and dining selections abound.

Gem Residences

Price range: Php 5,200,000- Php 9,400,000

Standing gorgeously along C-5 Pasig, the thriving center of economic activity east of Metro Manila, Gem Residences brings you world-class amenities that cater to your need for both productivity and leisure.

Glam Residences

Price range: Php 5,900,000 - Php 11,500,000

Surround yourself with the spectacular at Glam Residences. Envisioned as a complete, cosmopolitan home for success-driven singles, it is built for your utmost convenience and indulgence.

Gold Residences

Price Range: Php 7,400,000 - Php 17,000,000

An 11.6- hectare master-planned community right across the Ninoy Aquino International Airport, the concept for SMDC’s first township is to be the gold standard- a convergence of modernization, dynamism, innovation, and prestige, assured in all its areas.

Grace Residences

Price range: 3,300,000 - Php 5,600,000

Located close to Bonifacio Global City and the Makati Central Business District so you can enjoy the convenience of staying within proximity of the top schools, hospitals, malls and other institutions.

Grass Residences

Price range: Php 3,700,000 - Php 6,400,000

SMDC Grass is located in Quezon City, connected to SM City North Edsa via bridge way. It’s definitely a convenient, exciting and entertaining place to come home to. It is also situated in a highly accessible area. It is right by main roads both for going to the North and South side of the metro.

Green Residences

Price range: Php 5,100,000 - Php 5,700,000

Located right beside De La Salle University in Taft Avenue for the stress-free, easy and fun life every college student ought to experience.

Green2 Residences

Price range: Php 3,300,000 - Php 5,600,000

Breeze through your college years as you live in the home that passes all the marks when it comes to convenience, location, security and amenities.

Hope Residences

Price range: Php 3,000,000 - Php 3,600,000

Hope Residences is strategically located at the heart of Trece Martires City, Cavite. It is right within the complex of the newly opened SM City Trece Martires along Governor’s Drive.

Jazz Residences

Price range: Php 4,900,000 - Php 19,000,000

Situated in the Reposo District in Makati, SMDC Jazz Residences is surrounded by some of the best restaurants, as well as a supermarket nearby.

Lane Residences

Price range: Php 3,600,000- Php 5,500,000

Located in San Antonio Agdao, it lies within the SM City Lanang Premier complex. Its close proximity to Davao International Airport and Seaport gives you that added level of convenience. You get easy access to major land, sea, and air transportation centers to help get you to your next destination. Rounding out the area are the many businesses and offices for enterprising individuals.

Leaf Residences

Price range: Php 4,400,000 - Php 6,200,000

Let nature nurture your family at Leaf Residences. With its unique design reminiscent of a tropical rainforest getaway, it offers the first taste of condominium living surrounded by all the greenery sought after in the South.

Light Residences

Price range: Php 3,700,000 - Php 9,100,000 & above

Located along EDSA and Madison Street, Light Residences sits at an advantageous location, linked to BONI-EDSA MRT where you can access any point of Manila.

Light2 Residences

Price range: Php 5,400,000 - Php 11,200,000

Spacious, inviting, and thoughtfully planned. Light 2 Residences provides you with everything you need to create a beautiful home for you and your family.

Lush Residences

Price range: Php 6,800,000 - Php 9,800,000

Lush Residences is an iconic landmark located north of the Makati Central Business District. A development that seamlessly blends elements of nature throughout the property.

Mezza Residences

Price range: Php 1,000,000 - Php 6,000,000 & above

SMDC Mezza Residences is in one of the most convenient areas; located at the corner of Aurora Boulevard and Araneta Avenue in the heart of Sta. Mesa, near SM City Sta. Mesa.

Mezza II Residences

Price range: Php 8,200,000

Experience all the best at the heart of Sta. Mesa with Mezza II Residences.

Mint Residences

Price range: Php 6,400,000 - Php 8,200,000

A nearby respite striking the perfect balance between modern city convenience and a natural environment. Situated within the progressive district of Makati giving you access to everything the city has to offer: commercial, recreational, and professional.

MPlace at South Triangle

Price range: Php 4,100,000 - Php 4,300,000

MPlace Residences is a conveniently located condominium at the heart of South Triangle in Quezon City.

Park Residences

Price range: Php 3,400,000 - Php 3,900,000

Located right in front of SM City Sta. Rosa, this community is surrounded with opportunities for you to live your best life! Everything the family needs is right here – with schools, parks and shops around every corner.

Princeton Residences

Price range: Php 2,000,000 - Php 4,000,000

Convenient, practical and fun, Princeton Residences is strategically located within close proximity to Tomas Morato and Greenhills, and right beside the LRT 2 Gilmore Station.

Red Residences

Price range: Php 6,500,000 - Php 9,000,000

Red Residences is located at the heart of Chino Roces, a thriving neighborhood west of Makati City, known for its row of concept restaurants, food finds, art galleries and creative business enterprises.

S Residences

Price range: Php 6,600,000 - Php 17,500,000

With its stunning boutique-hotel designed lobbies and luxurious amenities, S Residences is the choice of successful and stylish individuals. Live in an address where business meets pleasure, where business suits and swim suits are both on-trend.

Sail Residences

Price range: Php 11,200,000 - Php 13,000,000

Welcome to Sail Residences, the gem of the Mall of Asia district. Explore a vast wealth of shops, restaurants and entertainment spots as endless as the horizon beyond Manila Bay, just waiting for you to discover. Truly a home worthy of the most memorable individuals, couples, and families.

Sands Residences

Price range: Php 7,600,000 - Php 9,400,000

Welcome to Sands Residences. A luxurious, 51-floor master-planned community by Manila Bay where the sun and sand amidst a sea of luxury await you.

Sea Residences

Price range: Php 8,300,000 - Php 14,200,000

Sea Residences Mall of Asia is a modern resort-inspired condominium development

Shell Residences

Price range: Php 32,200,000 - Php 37,400,000

Shell Residences Mall of Asia is a 2.2-hectare resort residential complex. Come home to resort-inspired amenities, and hold memorable events with friends and family at your own exclusive clubhouse.

Shine Residences

Price range: Php 4,000,000 - Php 4,100,000

SMDC Shine Residences stands tall within a prestigious community called the Renaissance Center. Having entertainment, business and leisure in close proximity, Shine Residences Ortigas is another distinctive addition to an impressive locale.

Shore Residences

Price range: Php 6,700,000 - Php 33,200,000

The entire Shore Residences complex combines the luxury of a 5-star vacation resort and the comfortable, cozy home you’ve always dreamed of.

Shore 2 Residences

Price range: Php 6,000,000 - Php 11,100,000

Set in a 9-hectare property, this exclusive development consists of three expansive luxury resort-inspired enclaves that provide the best in premier waterfront living in the metro, all bridged together by elevated linear parks.

Shore 3 Residences

Price range: Php 10,500,000 - Php 24,500,000

Conveniently located at the SM Mall of Asia Complex in Pasay City, Shore Residences offers the finest in resort living, with an exclusive beach-like amenity right at the heart of the development.

Smile Residences

Price range: Php 3,800,000 - Php 5,500,000

You’ll find a lot to be happy about at Smile Residences! As a premier residential development within SM City Bacolod Complex, it offers attractive lobbies, amenities, and a convenient location.

South Residences at SM SOUTHMALL

Price range: Php 3,500,000 - Php 6,100,000

South Residences offers the seamless fusion of the life and lifestyle you’ve always dreamed of.

South 2 Residences

Price range: Php 3,700,000- Php 7,500,000

Situated in Southmall complex, South 2 Residences has everything you need within reach. It is just a few steps away from the array of shopping, dining, and entertainment choices at SM Southmall, and a few minutes away from busy transport terminals and vibrant work hubs.

Spring Residences

Price range: Php 4,200,000 - Php 5,400,000

Celebrate new beginnings at SMDC Spring Residences.

Style Residences

Price range: Php 3,400,000- Php 5,200,000

Style Residences can be found within the complex of SM City Iloilo – the city’s vibrant lifestyle and progressive business district. It offers an impressive collection of shopping, dining, and entertainment options, as well as easy accessibility to the local transportation hubs, including the Iloilo International Airport and Seaport.

Sun Residences

Price range: Php 2,000,000 - Php 4,000,000

Life meets luxury at the roundabout of Quezon City and Manila. SMDC Sun Residences addresses the need for a more balanced lifestyle, with amenities like lounges, landscaped gardens and swimming pools

Trees Residences

Price range: Php 2,000,000 - Php 3,300,000

Escape the mundane clamor of the city and go home to Trees Residences. A place of solitude right at the heart of Novaliches, Quezon City brimming with life through pristine natural gardens, relaxing stroll paths, and SMDC’s five star amenities.

Vine Residences

Price range: Php 3,300,000- Php 6,200,000

With its great location inside the SM City Novaliches complex, the residents are right in the heart of a progressive hub in Quezon City. Being near major thoroughfares, terminals, and transport hubs makes traveling very easy. Nearby institutions like schools and hospitals will just be a few minutes away..

Wind Residences

Price range: Php 4,700,000 - Php 36,400,000

Feel the breeze along Aguinaldo Highway in Tagaytay City where SMDC Wind Residences and Cool Residences are situated. It is in its own a convenient complex with everything you can ever need, but it’s also a plus that there are dining establishments nearby.

0.0 = not important

1.0 = Important

Rating

(Rating = 1) - Major Weakness

(Rating = 2) - Minor Weakness

(Rating = 3) - Minor Strength

(Rating = 4) - Major Strength

Analysis

The Internal Factor Evaluation matrix is a tool used for auditing and evaluating major strengths and weaknesses of an organization or company. The average weighted score for the IFE Matrix is 2.5 above while 2.5 below is considered weak. The total weighted score for SM Development Corporation (SMDC) is 2.48 or 2.5 which means that the company is responding to a low average score that pertains to internally weak business. Therefore, the IFE Matrix concludes that SM Development Corporation (SMDC) is in a weak position.

Analysis

1) Rivalry Among Competing Firms - Rivalry among competing developers of retail space is deemed moderate due to the three main players' aggressive expansion plans for the near future and their offering of essentially the same product (retail and food space, cinemas, etc.), only slightly differentiated for different income segments. However, the fierceness of this rivalry is somewhat tempered by the strong continued growth in household consumption, which leaves room for much more retail space to be built. However, due to SMPH's significant advantages in terms of size, mall count, and land bank location, it is in the best position to capitalize on this demand for more retail space.

2) Potential Entry of New Competitors - Although, again, customers (in this case, companies seeking to buy or lease office space) are not particularly loyal to a specific developer, the potential entry of new competitors is tempered by the fact that the demand for new commercial space is concentrated in Metro Manila, where most available land is already in the portfolio of established players. Moreover, economies of scale are advantageous to established players because it allows them to accommodate the space requirements of large firms and therefore secure the most lucrative contracts. SMPH's advantage lies in its network of strategic partnerships, building only when it has 60% commitments, and in its integration of its land bank in its long-term expansion plans.

3) Potential Development of Substitute Product - The threat of the development of substitute products for commercial space is moderately low, largely because there are currently no substitutes in the market, and no current market players are actively seeking out the development of such substitutes. Moreover, customers do not necessarily seek new kinds of office space, particularly as there are high costs to selling of buildings or ending leases early, as well as high transitioning costs once they have secured new office space. SMPH in particular keeps its tenants satisfied through its competitive prices and the close proximity to retail and transportation centers that its commercial developments offer.

4) Bargaining Power of Supplier - Despite the large number of construction firms and raw materials suppliers in the market, the bargaining power of suppliers remains moderate, due to the high values of commercial development contracts with major players, which has given rise to the popularity of long-term partnerships and/or construction subsidiaries. SMPH, for example, has the Associated Development Corporation.

5) Bargaining Power of Consumers - The bargaining power of consumers is moderately high in the commercial development market, primarily due to the fact that contracts with these customers are extremely high in value, as firms tend to buy or lease a large number of units at a time. Commercial space offerings, as mentioned earlier, are also largely undifferentiated, and offered to the same customer segment. SMPH addresses this threat with its approach of building strong and healthy long-term relationships with tenants, and leveraging on its strategic location.

Weight Ranges:

0.0 = not important to 1.0 = very important

Ratings:

4 = the response is superior, 3 = the response is above average, 2 = the response is average, and 1 = the response is poor.

Analysis

The total weighted score for SM Development Corporation (SMDC) is 3.22 which is equivalent to the company’s responding in an above average way to existing opportunities and threats in the industry. Moreover, the firm’s external strategies are effectively taking advantage of existing opportunities and minimize the potential adverse effects of external threats. It is a good evaluation of the organization that needs to focus on their least average to obtain the high weights in order to become a big competitor.

The matrix shows the different types of key external factors and its total weighted score; it has been separated in two parts: Opportunities and Threats. Inside opportunities are Geographic Location, Competitors’ price, fast site Improvement, Increasing Number of Tourists, Corporate sponsorship, National trends like modern facilities, Investor high activity, offering new products, and Offering new types of services. Then the total weighted score for opportunities is 2.16

In view of the table, threats for key external factors got a weighted score of 1.06. Within the threats, the global crisis got the highest weighted score while the least one is the increasing inflation rate.

Combining opportunities and threats weighted score is equal to 3.22

Notes:

The weights and total weighted scores in both a CPM and an EFE have the same meaning.

0.0 = not important to 1.0 very important

Critical Success Factors in Competitive Profile Matrix include both internal and external issues; therefore, the ratings refer to strengths and weaknesses, where 4 =major strength, 3 = minor strength, 2 = minor weakness, and 1 = major weakness.

Results Legend:

4- Strongly competitive

3- Averagely competitive

2- Competitive

1- Incompetent

Analysis

According to Inquirer net (2020), SM Development Corporation, it is not just about being an infrastructure that serves a place for a group of residents. The organization creates a community where people can live the best for their lives. Being healthy, happy, and secured.

In the table, it shows the several important Critical Success factors that rates each major competitor and its particular strengths and weaknesses. In CPM, the total rating and total weighted scores are for the rival data firms that can be compared to the other organization. This Matrix analysis provides important internal and external strategic information that can help each company to distinguish their strengths and weaknesses.

As stated in the matrix, Ayala land is the strongest competitor with a total weighted score of 3.26. The company has clearly got a high rating of 4 in Advertisement, Customers Loyalty, Supply of land, Grand service and amenities, Market share and Organization structure. While Megaworld acquired the next place with a total weighted score of 2.73. In addition, Ayala Land and Megaworld are the big competitors in the real estate industry in the Philippines. SM Development Corporation obtained a total weighted score of 2.65. Vista land’s total weighted score is 2.61. The next is Filinvest Land got a total weighted score of 2.53. The last one among the 6 organizations is Alveo land with a total weighted score of 2.32.

Furthermore, SM Development Corporation is one of the strongest competitors in real estate in the country. It shows that they have a stable and good stand in the industry of real estate. Hence, SMDC still needs to take action in their weaknesses to improve their route for being the strongest competitor.

D. Key External Factor

Cultural Factor

Product Design & Quality

It is very important to have a face-paced that can attract the consumers to be globally competitive. It is a step to have an activity in many firms because releasing a new product and high-quality land, house, buildings, and more can contribute to improvement of sales revenue. The objective of product design and its quality is to give new experiences to the consumers.

Price Competitivenes

Competitive pricing gives a high quality for a rival organization. It basically prevents it from losing customers and its market share to the other organization. This is highly important because it is advantageous to enable the organization to respond if the rivals release new products such as modern buildings, hi-tech homes, and more. Being in competitive pricing advantages can have a quality positioning in the business.

Economic Factor

Customers’ Loyalty

Customer’s Loyalty plays a strong part in advertising and running a business. Customer’s themselves can introduce the product, services and even the whole organization when they are satisfied. Having a loyal customer, they will spend more and support your business. Moreover, they help you to keep your high profile better and grow.

Tourist Demand

It is practically a major need of an establishment or organization because it helps to boost the revenue of the company. It creates and develops infrastructures if the organization is related to tourism. Once a tourist finds your company attractive, they will be willing to try it. Tourism is a vital point to achieve a high success in a field of business and economy.

Investor Activity

It is one of the most important lines in the business along with sponsorship. Once you invest there will be a cash flow statement that can help to boost your revenue and establishment itself. Investing in a trusted organization is a good investment in terms of capital assets. It basically means that the business will even grow in the future and has a high chance to earn a good revenue.

Legal Factor

Security and Safety

It is highly important to have quality security in a company. It gives safety to everyone. It protects the property itself. Moreover, it gives more confidence for staff to work because they know that they are protected safely. It can also be related to health due to the fact that having a safe workplace and home can radiate a well-being performance and does not need to worry in anything, just enjoying services and products.

Environmental Factor

Fast Site Improvement

It is important to have a fast site to be able to access it easily. Images and video are prime when advertising. Nowadays, people are searching on the Internet to analyze where to buy. Fast site play a big role in the data, once your site is not working properly it might start to lose visitors.

Government Factor

Corporate Sponsorship

Sponsorship gives a highly competitive edge, and it can also improve the organizations position, image, and credibility. They support their partner and give a quality product that can attract consumers. Once a company has a sponsorship, it means that they are well trusted and have a chance to be well known. Sponsorship gives a particular event that can be very effective in promoting because it can be accessed and available in a wide range of consumers.

IV. Strategy Formulation

As per WorldOMeters, the Philippine population is assessed to be 107,656,644 as of March 22, 2019. Also, with a developing population, the requirements for need is developing as well.

The World Population Review stated that the largest cities in the Philippines such as Quezon City, Metro Manila, Caloocan and Davao city also have large populations. With this data, SMDC can construct or add more branches in the enormous urban communities where they can help for the accommodation of the purchasers.

Today, SMDC keeps on creating properties that objectives the necessities and components reconsidered by those forthcoming purchasers to ensure that they keep up and even increment their piece of the pie in the business. The organization exploits the blast in the economy of the country that is capable most explicitly of expanding the request of the premium center market for properties that are moderate and helpful as well as fits to their way of life of decision.

There are many responsibilities that need to be considered for a business to grow and expand. One can develop the internal capacity to drive the extension of the company, the other one is purchasing a business with a generally evolved mastery in that space of specialization and assemble it out further.

SMDC expands its services and operations through platform companies with developed expertise where they build out. The impact can make incredible worth since the tasks of a few more modest firms join to increase the value of the new firm. In any case, the accomplishment of the mix intensely relies upon the stage organization, which may bring about annihilating worth if the procedure isn't as expected executed.

SM Development Corporation is a notable organization, generally on the grounds that it has acquired the trust and certainty of the Filipinos even before the formation of SMDC as a different element from its parent organizations.

Almost every year, there are various ventures that SMDC dispatches, and not at all like different designers, SMDC doesn't frustrate and really completes on schedule. To contrast it and different organizations in the industry, SM would have a benefit over them in view of the name as well as in light of its notices. SM has notable and regarded money managers taking care of its tasks in addition to the organization has been around for quite a long time, catching the devotion of the Filipinos.

STARS - Based on the BCG matrix the condominium is in the star category because they have the highest market share among SMDC products being offered as of today. Asking several people, the first thing that will come into their mind when you hear SMDC are their prime located condominiums. Being on the high market share, the condominium remains to have a high growth rate and continue to rise their sales.

QUESTION MARKS - Under the question mark categories is the townhouse they have high market growth because they are the second option for the condominiums but on the contrary, they have a low market share because if you seek their opportunities, it is obvious that it was been given to the condominiums released by SMDC rather than townhouses. Another factor is because townhouses are not so up-to-date and convenient in today's setup.

CASH COWS - For the cash cows’ category is the house, obviously because SMDC are known for their prime location and elegant designs and trusted layout of house they have a high market share but low market growth. A primary cause of that is having too many competitors for houses in the real estate industry.

DOGS - For the dog it has a low market share and slow market growth and that is the SMDC lot as they decide to sell lot only slots in their product menu. It was stagnant in terms of sales and again this is because of the competitors in the real estate industry and in today's perspective and aspect it is really convenient and efficient for the people to find and locate for their own lot location.

[thechasefiles]

Prime Minister @mamottley Mia Amor Mottley has been featured in TIME Magazine as one of the top 100 most influential people for 2022. What an accomplishment as she continues to write ✍️ her name on history’s page!! Photo Credit @time Article by BY NGOZI OKONJO-IWEALA MAY 23, 2022 6:10 AM EDT ReadBelow 👇🏾 There are some who stand tall and stand out no matter where they are from—whether a large, densely populated country or a small island nation. Prime Minister Mia Mottley of Barbados is one such person. Bold, fearless, and possessing a great intellect and wit, the Prime Minister is a brilliant politician who knows how to shake things up. Since she was a young woman growing up in the Caribbean, Mia Mottley has always cared deeply about critical issues impacting the world. From poverty to debt to climate change, she is a vocal advocate on the world stage for responsible stewardship of our planet, so that nations large and small and people rich and poor can survive and thrive together. At COP26 in Glasgow late last year, she chided the world’s leaders for not working more diligently to limit the potential catastrophic impacts of climate change, telling them to try harder. While chair of the World Bank and the International Monetary Fund’s Development Committee, she reminded the world’s finance gurus that the level of a country’s per capita income may not always be the best measure of its wealth. After all: one climate-change-induced hurricane can take a significant toll on that wealth. Mia Mottley is an icon in her country, having won re-election by a landslide. The Prime Minister strides boldly on the world stage. She is an embodiment of our conscience, reminding us all to treat our planet, and therefore one another, with love, dignity, and care. Okonjo-Iweala is the director-general of the World Trade Organization Link to read: https://time.com/collection/100-most-influential-people-2022/6177695/mia-mottley/ https://www.instagram.com/p/Cd50Of1gsfW3-RbAu1S3HR2qZARKtuTEZ8zRd40/?igshid=NGJjMDIxMWI=

[brightacademy]

Accounting Vouchers in Tally | Recording Day to day Transactions

[mediawalablog]

Ujjain lit up, 11 lakh 71 thousand 78 diyas were lit, name registered in Guinness Book of World Records

Ajendra Trivedi's report from Ujjain

Ujjain: Today proved to be a day of pride for the city. The people of Ujjain have set a new record by lighting 11 lakh 71 thousand 78 diyas together at Ramghat, Datta Akhara, Narsingh Ghat, Guru Nanak Ghat, Sunhari Ghat, breaking the record of 9 lakh 41 thousand lamp lighting made in Ayodhya last November. .

On this occasion, Chief Minister Shri Shivraj Singh Chouhan started the Shiv Jyoti Arpan program by lighting 15 diyas brought with him from Bhopal at Ramghat along with wife Smt. Sadhna Singh Chouhan. The Chief Minister said that every year Shivratri will be celebrated in the same way in Ujjain.

Chief Minister Shri Shivraj Singh Chouhan said on this occasion that due to the grace of Mahakal Maharaj and the devotion, reverence and penance of the general public, he has got the privilege of setting a unique record on Mahashivratri today. The Chief Minister said that Lord Mahakal may shower blessings on the city of Ujjain, may all be happy, may all be healthy and may all be well-being. The Chief Minister said that our successful Prime Minister Shri Narendra Modi is involved in building a prosperous, prosperous and powerful nation. He said that the Prime Minister is successfully conducting Mission Ganga Abhiyan to rescue the stranded Indians in Ukraine.

Ujjain's birthday will be celebrated on Gudi Padwa (Varsha Pratipada)

Chief Minister Shri Shivraj Singh Chouhan said that we bow at the feet of Lord Mahakal. Devadhidev Mahakal is such a god, in whose eyes there is no small or big. Lord Ashutosh, the innocent steward, is pleased only after receiving the gift of Bilva leaves. They do not want fifty-six bhog. They are happy only with cannabis. The Chief Minister said that I want to appeal to the people of the state that the way Lord Shankar drank poison, fought to save the world and was called Neelkanth, in the same way we should think how to sacrifice for the service of others. He appealed to the common man to take education from the naive. Those who have more than they need, give to those who need them. Lord Shiva burns the ashes of the cremation ground and thus he says that the body of all of us is mortal. He said that I thank the people of Ujjain from the heart, who did an unprecedented work today. The Chief Minister said that the birthday of Ujjain city would be celebrated on Gudi Padwa (Varsha Pratipada). The Chief Minister said that not only Avantika but every village and every city of the state would have its own birthday.

In the Shiv Jyoti Arpan program, the work of lighting the lamp at Ramghat started at 6.42 pm today. 11 lakh 71 thousand 78 lamps were lit simultaneously. At 6.47, the lighting of the Ghats was switched off and the Shipra beach was bathed by the light of the lamps. The counting of lamp lighting was started by the representative of Guinness Book of World Records at 6.53 pm and after some time it was announced by Mr. Nischal Barot of Guinness Book that the city of Ujjain broke Ayodhya's record and broke the new record. If it has been established, then there was a wave of happiness among the lakhs of people present at the ghats of Shipra. Right after that there was a lot of fireworks.

After lighting the lamp, Chief Minister Shri Shivraj Singh Chouhan, his wife and other guests took a boat ride in Shipra and witnessed the unique shade of the lamps. The Chief Minister's wife Smt. Sadhna Singh Chouhan, Culture and Tourism Minister Ms. Usha Thakur, in-charge and Finance and Commerce Minister Mr. Jagdish Deora, Higher Education Minister Dr. Mohan Yadav, MP Mr. Anil Firojia, MLA Mr. Paras Jain, MLA Mr. Bahadur Singh attended the Chief Minister's program. Chouhan, Chairman of Mela Authority Mr. Makhan Singh, Collector Mr. Ashish Singh, Superintendent of Police Mr. Satyendra Kumar Shukla, Municipal Commissioner Mr. Anshul Gupta, Smart City CEO Mr. Ashish Pathak, former MP Prof. Chintamani Malviya, former MLA Mr. Satish Malviya, Mr. Vivek Joshi, Shri Jagdish Agrawal, Shri Anil Jain Kaluhera, Shri Vishal Rajouria, Shri Sanjay Agarwal, Shri Jagdish Panchal, Shri Iqbal Singh Gandhi and other dignitaries were present. At the end of the program, Higher Education Minister Dr. Mohan Yadav expressed his gratitude.

https://mediawala.in/ujjain-lit-up-11-lakh-71-thousand-78-diyas-were-lit-name-registered-in-guinness-book/

[jigurug]

Best IAS Coaching in Jabalpur

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Paper-II UPSC Optional Paper Syllabus for Public Administration (Indian Administration)

1) Evolution of Indian Administration:

Mughal government; British legacy in politics and administration; Kautilya Arthashastra

Public services, revenue administration, district administration, and local self-government have all been Indianize.

2) Philosophical and Constitutional framework of Government:·

Constitutionalism; Political culture; Bureaucracy and democracy;

Bureaucracy and development are some of the salient traits and value principles.

3) Public Sector Undertakings:

Modern India’s public sector; Public Sector Undertakings;

Autonomy, accountability, and control issues; Impact of liberalization and privatization.

4) Union Government and Administration:

Executive, Parliament, Judiciary-structure, functions, work processes; Recent trends; Intra-governmental relations;

Cabinet Secretariat; Prime Minister’s Office;

Central Secretariat;

Ministries and Departments;

Boards; Commissions;

Attached offices;

Field organizations.

5) Plans and Priorities:

The planning machinery; the Planning Commission and the National Development Council’s roles, composition, and functions; Indicative’ planning;

Plan formation at the federal and state levels; Amendments to the Constitution of 1992, as well as decentralized planning for economic development and social fairness.

6) State Government and Administration:

Administrative, legislative, and budgetary links between the Union and the States;

Finance Commission’s role; Governor’s role; Chief Minister’s role; Council of Ministers’ role; Chief Secretary’s role; State Secretariat’s role; Directorates’ role

7) District Administration since Independence:

The Collector’s changing role; Union-State-Local Relations;

District administration and democratic decentralization;

Development management and law and order administration.

8) Civil Services:

Good governance initiatives; Code of conduct and discipline; Staff associations; Political rights; Constitutional position; Structure, recruitment, training, and capacity building;

Structure, recruitment, training, and capacity building; The mechanism for resolving grievances; Civil service activism; civil service neutrality.

9) Financial Management:

The budget as a political tool;

Control of public spending by the legislature;

The Finance Ministry’s Role in Monetary and Fiscal Policy Auditing procedures; accounting techniques The Controller General of Accounts, as well as the Comptroller and Auditor General of India, have important roles to play.

10) Administrative Reforms since Independence:

Important Committees and Commissions; Major Concerns

Implementation issues with financial management and human resource     development reforms.

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