Embr Burn Your Debts vs Value Research Advisor

Embr - Burn Down Debts Take control of your finances with Embr, the ultimate debt payoff planning app! Key Features: • Sleek, Intuitive Interface: Enjoy a user-friendly design that makes managing your debt a breeze. • Instant Calculations: Get real-time updates on your payoff plans with lightning-fast calculations. • Privacy First: Your data is yours alone—Embr features zero data collection to keep your information safe. • Seamless iCloud Sync: Effortlessly access your debt plans across all your Apple devices. Simply input your debt details and watch as Embr generates two personalized payoff plans to keep you motivated on your journey to financial freedom. Want to tackle a specific debt first? Just drag and reorder your debts, and see instant recalculations tailored to your strategy. Developed with a deep understanding of financial needs, Embr’s algorithms have been verified by an accountant to ensure accuracy and effectiveness. With our "Paying Extra" plan, you can prioritize your debts while factoring in interest rates and extra payments, giving you a clear path to becoming debt-free faster. Download Embr today and start your journey to financial empowerment! Special Thank You to my best friend, Austin Buck who created the App Icons, and App Store Previews. He was also incredibly helpful in providing QA to this project and general design guidance.

Buy right. Fix the rest. Unclutter your portfolio and own only what works—with personalised, SEBI-registered guidance from India’s most trusted independent investment research institution. Most investors don’t start with an empty portfolio. They start with too many funds, the wrong funds, and no clear structure. The Value Research Advisor app fixes that. We tell you what to keep, what to remove, and what to add—based on three decades of independent research, with zero commission and no conflicts of interest. WHAT SUBSCRIBERS GET Fix Your Portfolio Know exactly what to buy, sell, or hold from the funds you already own. We tell you when to act—and when the most valuable advice is to do nothing. Advice That Adapts to You Goal-based, risk-aligned portfolios built for your situation—not a generic model. Funds That Pass Our Toughest Tests We reject what’s wrong before we recommend what’s right. Every fund is vetted on performance, risk, and cost. We recommend what the evidence supports, not what’s popular. Zero Commissions. Always. Buy, sell, and SIP in direct plans with ₹0 commission. We earn nothing from the funds we recommend. This is not a promotional offer. It is how we are built. Continuous Monitoring Alerts before you buy a poor-performing fund. When the evidence says sell, we say so. When it says hold, we say that too. Your Family’s Portfolio, Together Up to 6 family members on one subscription. One dashboard for every holding across all accounts and asset types. STOCK ADVISOR We tell you what to buy. And when to sell. Three curated portfolios of fundamentals-first stocks. Continuously monitored. Most services stop at the buy. We don’t. THE PRINCIPLES BEHIND THE ADVICE - Long-term equity ownership is the only reliable path to real wealth. - Inactivity is a skill. Our recommendations are designed to be held, not traded. - Costs are the only reliable predictor. Direct plans and low-cost funds are principles, not preferences. - We reject what’s wrong before deciding what to recommend. - Our ratings are algorithmic—no opinion, no bias, no influence. 33 YEARS OF TRUST India’s first independent fund rating was created in 1993. No AMFI ARN. No distribution commission. Ever. SEBI Registration No. INA100008443. PRICING - Fund Advisor (Mutual Fund Advisory): ₹490/month — for the entire family (up to 6 members) - Stock Advisor (Stock Advisory): ₹9,990 + GST/year Subscription required. For free research and tools, use Value Research Online—India’s trusted investment guide since 1992. Independent Advisors Private Limited. SEBI Reg. INA100008443. Principal Officer: Ashutosh Gupta. Compliance Officer: Rahul Rastogi. Grievance Officer: Rahul Rastogi.