netsurf business plan 2022 pdf

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Netsurf Company Profile Netsurf Revenue From 2020 To 2022 Ppt Powerpoint Presentation Model

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Free PDF Business Plan Templates and Samples

By Joe Weller | September 9, 2020

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We’ve gathered the most useful collection of business plan PDF templates and samples, including options for organizations of any size and type.

On this page, you’ll find free PDF templates for a simple business plan , small business plan , startup business plan , and more.

Simple Business Plan PDF Templates

These simple business plan PDF templates are ready to use and customizable to fit the needs of any organization.

Simple Business Plan Template PDF

This template contains a traditional business plan layout to help you map out each aspect, from a company overview to sales projections and a marketing strategy. This template includes a table of contents, as well as space for financing details that startups looking for funding may need to provide. 

Download Simple Business Plan Template - PDF

Lean Business Plan Template PDF

This scannable business plan template allows you to easily identify the most important elements of your plan. Use this template to outline key details pertaining to your business and industry, product or service offerings, target customer segments (and channels to reach them), and to identify sources of revenue. There is also space to include key performance metrics and a timeline of activities. 

Download Lean Business Plan Template - PDF

Simple 30-60-90 Day Business Plan Template PDF

This template is designed to help you develop and implement a 90-day business plan by breaking it down into manageable chunks of time. Use the space provided to detail your main goals and deliverables for each timeframe, and then add the steps necessary to achieve your objectives. Assign task ownership and enter deadlines to ensure your plan stays on track every step of the way.

Download Simple 30-60-90 Day Business Plan Template

PDF | Smartsheet

One-Page Business Plan PDF Templates

The following single page business plan templates are designed to help you download your key ideas on paper, and can be used to create a pitch document to gain buy-in from partners, investors, and stakeholders.

One-Page Business Plan Template PDF

Use this one-page template to summarize each aspect of your business concept in a clear and concise manner. Define the who, what, why, and how of your idea, and use the space at the bottom to create a SWOT analysis (strengths, weaknesses, opportunities, and threats) for your business. 

Download One-Page Business Plan Template

If you’re looking for a specific type of analysis, check out our collection of SWOT templates .

One-Page Lean Business Plan PDF

This one-page business plan template employs the Lean management concept, and encourages you to focus on the key assumptions of your business idea. A Lean plan is not stagnant, so update it as goals and objectives change — the visual timeline at the bottom is ideal for detailing milestones. 

Download One-Page Lean Business Plan Template - PDF

One-Page 30-60-90 Day Business Plan Template

Use this business plan template to identify main goals and outline the necessary activities to achieve those goals in 30, 60, and 90-day increments. Easily customize this template to fit your needs while you track the status of each task and goal to keep your business plan on target. 

Download One-Page 30-60-90 Day Business Plan Template

For additional single page plans, including an example of a one-page business plan , visit " One-Page Business Plan Templates with a Quick How-To Guide ."

Small Business Plan PDF Templates

These business plan templates are useful for small businesses that want to map out a way to meet organizational objectives, including how to structure, operate, and expand their business.

Simple Small Business Plan Template PDF

A small business can use this template to outline each critical component of a business plan. There is space to provide details about product or service offerings, target audience, customer reach strategy, competitive advantage, and more. Plus, there is space at the bottom of the document to include a SWOT analysis. Once complete, you can use the template as a basis to build out a more elaborate plan. 

Download Simple Small Business Plan Template

Fill-In-the-Blank Small Business Plan Template PDF

This fill-in-the-blank template walks you through each section of a business plan. Build upon the fill-in-the-blank content provided in each section to add information about your company, business idea, market analysis, implementation plan, timeline of milestones, and much more.

Download Fill-In-the-Blank Small Business Plan Template - PDF

One-Page Small Business Plan Template PDF

Use this one-page template to create a scannable business plan that highlights the most essential parts of your organization’s strategy. Provide your business overview and management team details at the top, and then outline the target market, market size, competitive offerings, key objectives and success metrics, financial plan, and more.

Download One-Page Business Plan for Small Business - PDF

Startup Business Plan PDF Templates

Startups can use these business plan templates to check the feasibility of their idea, and articulate their vision to potential investors.

Startup Business Plan Template

Use this business plan template to organize and prepare each essential component of your startup plan. Outline key details relevant to your concept and organization, including your mission and vision statement, product or services offered, pricing structure, marketing strategy, financial plan, and more.

‌Download Startup Business Plan Template

Sample 30-60-90 Day Business Plan for Startup

Startups can use this sample 30-60-90 day plan to establish main goals and deliverables spanning a 90-day period. Customize the sample goals, deliverables, and activities provided on this template according to the needs of your business. Then, assign task owners and set due dates to help ensure your 90-day plan stays on track.

‌Download Sample 30-60-90 Day Business Plan for Startup Template 

For additional resources to create your plan, visit “ Free Startup Business Plan Templates and Examples .”

Nonprofit Business Plan PDF Templates

Use these business plan PDF templates to outline your organization’s mission, your plan to make a positive impact in your community, and the steps you will take to achieve your nonprofit’s goals.

Nonprofit Business Plan Template PDF

Use this customizable PDF template to develop a plan that details your organization’s purpose, objectives, and strategy. This template features a table of contents, with room to include your nonprofit’s mission and vision, key team and board members, program offerings, a market and industry analysis, promotional plan, financial plan, and more. This template also contains a visual timeline to display historic and future milestones.

Download Nonprofit Business Plan Template - PDF

One-Page Business Plan for Nonprofit Organization PDF 

This one-page plan serves as a good starting point for established and startup nonprofit organizations to jot down their fundamental goals and objectives. This template contains all the essential aspects of a business plan in a concise and scannable format, including the organizational overview, purpose, promotional plan, key objectives and success metrics, fundraising goals, and more.

Download One-Page Business Plan for Nonprofit Organization Template - PDF

Fill-In-the-Blank Business Plan PDF Templates

Use these fill-in-the-blank templates as a foundation for creating a comprehensive roadmap that aligns your business strategy with your marketing, sales, and financial goals.

Simple Fill-In-the-Blank Business Plan PDF

The fill-in-the-blank template contains all the vital parts of a business plan, with sample content that you can customize to fit your needs. There is room to include an executive summary, business description, market analysis, marketing plan, operations plan, financial statements, and more. 

Download Simple Fill-In-the-Blank Business Plan Template - PDF

Lean Fill-In-the-Blank Business Plan PDF

This business plan is designed with a Lean approach that encourages you to clarify and communicate your business idea in a clear and concise manner. This single page fill-in-the-blank template includes space to provide details about your management team, the problem you're solving, the solution, target customers, cost structure, and revenue streams. Use the timeline at the bottom to produce a visual illustration of key milestones. 

Download Fill-In-the-Blank Lean Business Plan Template - PDF

For additional resources, take a look at " Free Fill-In-the-Blank Business Plan Templates ."

Sample Business Plan PDF Templates

These sample business plan PDF templates can help you to develop an organized, thorough, and professional business plan.

Business Plan Sample 

This business plan example demonstrates a plan for a fictional food truck company. The sample includes all of the elements in a traditional business plan, which makes it a useful starting point for developing a plan specific to your business needs.

Download Basic Business Plan Sample - PDF

Sample Business Plan Outline Template

Use this sample outline as a starting point for your business plan. Shorten or expand the outline depending on your organization’s needs, and use it to develop a table of contents for your finalized plan.

Download Sample Business Plan Outline Template - PDF

Sample Business Financial Plan Template

Use this sample template to develop the financial portion of your business plan. The template provides space to include a financial overview, key assumptions, financial indicators, and business ratios. Complete the break-even analysis and add your financial statements to help prove the viability of your organization’s business plan.

Download Business Financial Plan Template

PDF  | Smartsheet

For more free, downloadable templates for all aspects of your business, check out “ Free Business Templates for Organizations of All Sizes .”

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netsurf business plan 2022

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250 Billion

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1.6 Million

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App installations

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Netsurf Network

Est. Revenue Difference -18% ($-10)

Est. commission payout 35.00% over year 2023

Momentum Rank 429

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Netsurf network rating by business for home.

Direct Selling professionals have rated this company based on their experience as a user of the reviewed products and opportunity. The reviews of the products and opportunity usually comments on how well the company measures up to expectations based on the specifications provided by company. Observations are factual as well as subjective in nature. The reviews comment on service experienced, and dependability or trustworthiness of the distributor.

Netsurf has a consumer base of more than 2.5 million across India. Netsurf Network works on a direct selling model where a person can sell the products and earn a commission by selling company products and recruiting people to his team.Netsurf Communications Private Limited is an unlisted private company incorporated on 15 March, 2000. It is classified as a private limited company and is located in Pune, Maharashtra. It's authorized share capital is INR 25.00 lac and the total paid-up capital is INR 25.00 lac Best performance for product results Big achievement 100% results Best income plan

Description: This company is a manufacturer and supplier of home care, agriculture care & health care products

Products & Services: COLOUR COSMETICS, PERSONAL CARE, HEALTH CARE, AGRICULTURE, HOME CARE Category: Manufacturer The current status of Netsurf Communications Private Limited is – Active.

The last reported AGM (Annual General Meeting) of Netsurf Communications Private Limited, per our records, was held on Thanks Netsurf to give best opportunity to all india .

Netsurf has a consumer base of more than 2.5 million across India. Netsurf Network works on a direct selling model where a person can sell the products and earn a commission by selling company products and recruiting people to his team.Netsurf Communications Private Limited is an unlisted private company incorporated on 15 March, 2000. It is classified as a private limited company and is located in Pune, Maharashtra. It's authorized share capital is INR 25.00 lac and the total paid-up capital is INR 25.00 lac.

Netsurf Communications Private Limited's operating revenues range is INR 100 cr – 500 cr for the financial year ending on 31 March, 2023. It's EBITDA has decreased by -250.16 % over the previous year. At the same time, it's book networth has decreased by -30.35 %. Other performance and liquidity ratios are available here.

Products & Services: COLOUR COSMETICS, PERSONAL CARE, HEALTH CARE, AGRICULTURE, HOME CARE Category: Manufacturer The current status of Netsurf Communications Private Limited is – Active.

The last reported AGM (Annual General Meeting) of Netsurf Communications Private Limited, per our records, was held on 30 September, 2023.

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Published - April 28, 2021 10:55 pm IST - MUMBAI

Netsurf explores PE funding to fuel growth, plans for IPO by 2025

Direct selling company Netsurf Network, a part of Netsurf Communications, is exploring tapping private equity funds to raise capital for achieving growth targets, according to a top executive.

“Looking at current growth and sales projections, we will be investing majorly into increasing production capacity to fuel the growth,” said Sujit Jain, CMD, Netsurf Communications Pvt. Ltd.

“Apart from production we will be investing heavily in strengthening technological infrastructure along with marketing & long-term brand-building exercise. We are exploring private equity funds for rapid growth,” he said.

Mr. Jain, however, declined to name the PE firms and the amount the company would be raising.

The company plans to invest ₹100 crore to increase production

The company which offers 63 herbal and organic products in five FMCG categories – Health & Wellness, Personal Care, Colour Cosmetics, Home Care, and Agriculture — clocked a turnover of ₹419 crore in FY21 despite COVID-19 related challenges. “We reported a growth of 55% over FY19,” Mr. Jain added.

Moving ahead, the company is aiming to achieve a growth of 58% with turnover targets of ₹650 crore in FY22, he said.

He said the firm, which functioned as a debt-free, self-funded company till now, would also tap the capital markets with an Initial Public Offering (IPO) once it achieved a turnover of ₹2,000 crore. ‘

“We are projecting to reach this turnover milestone by year 2025. I believe that it will help us to take a giant leap and take the direct selling business to another scale. The listing will also add credibility to our brand,” he added.

The major share in of turnover amongst the five categories was by the organic farming brand ‘Biofit’ at 62%, followed by the health & wellness brand ‘Naturamore’ at 28%. About 9% was contributed by the personal care brand ‘Herbs & More’ and rest 1% by its colour cosmetics brand ‘Rang De’ and the home care brand ‘Clean & More’.

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• Netsurf Business Plan 2023, Company Profile and details
• Post author By Kapil
• Post date July 26, 2021

If you are looking for a Netsurf business plan , Company details then you have come to the right place.

In this article, we are going to talk about another direct selling company known as Netsurf Network.

Netsurf is an Indian MLM company that was founded by Sujit Sohalnal Jain, Sanjay Malpani, and Bhavesh Jayantilal Mehta on 15 th March 2000 .

Netsurf has its head office in Pune Maharashtra where it registered itself under MCA (Ministry of Corporate Affairs).

Netsurf groups are run by Sujit Jain, which has various other companies under them like:

• Netsurf Communication Private Limited
• Ajay Bio-Tech (India) Limited
• Netsurf Research Private Limited
• Netsurf Entertainment LLP

Netsurf is listed on consumer affair’s legal direct selling company list, providing Netsurf the right to run direct selling or network marketing business in India.

Netsurf mostly includes health care products in its marketing plan.

2.5 million+ customers have their faith in Netsurf products. Netsurf network operates in almost 633 Districts, 5000 Blocks.

Netsurf has made its old network plan even more beautiful. If a new distributor joins the company, then his first check will be more than Rs 5500. The company has given a lot of attention to the newcomers

Along with this, the company has made its Fastrack plan even more attractive, the target has been cut by 25% and the incentive has been given more than 35%.

Table of Contents

Netsurf Company History

Today India has almost 4 million+ direct selling businesses running, this provides the entrepreneurs the biggest opportunity to make a great living.

Netsurf is one of the leading direct selling companies on the list.

Netsurf was started with a vision, to make such a company that will lead the direct selling business market, providing every everyone an opportunity to run a sustainable business.

The vision became a reality in 2000 when Netsurf was considered to be the most respected direct selling company that works legally cleanly and transparently.

Netsurf is now one of the leading direct selling companies which started operating in India with the best organic care products.

Currently, Netsurf has spread its business in almost 22 states in India.

It provides the best quality products that are manufactured using a high-quality manufacturing process.

This made Netsurf the first choice for the consumers and direct sellers.

Netsurf Marketing Plan

Netsurf has a unique marketing plan according to it anyone can join Netsurf as a direct seller but buying Netsurf products after joining is mandatory.

Netsurf has 3 different packages available for the direct sellers to choose from.

These packages keep changing from time to time, remember the price of the package is directly proportional to the amount of discount.

If you buy an expensive package, you tend to get more discounts. The amount of discount mainly ranges from 15% to 30%.

After joining Netsurf you will have to perform mainly 2 tasks:

• Buying or selling products
• Recruitment

Buying Or Selling Products:

When you join Netsurf for the first time you will have to buy its products. The company will provide you with these products at distributor price which is lower than the MRP.

You can choose to either sell these products at MRP and earn retail profit/commission or you can save money by using those products for yourself.

The retail profit/ commission can be calculated by the easy formula below:

Recruitment:

The second main task that you will have to perform after joining Netsurf will be recruiting downlines.

Whenever downlines buy Netsurf products, the uplines are given some amount of profit sharing.

Recruitment is another way to earn money in MLM companies , here you will have to recruit as many downlines as you can.

By recruiting downlines, you get a chance to earn different types of income which we will discuss in our business plan .

Netsurf has over 5 lakhs+ successful direct sellers who are running their day-to-day business on the Netsurf platform.

Netsurf Business Plan

Netsurf has a unique and employee-centric business plan. It provides 3 types of income plans to its direct sellers. Those are:

• Retail Profit
• Turnover Bonus
• Generation Income

1. Retail Profit:

Netsurf allows its direct sellers to earn retail profit with every purchase. The company provides its products to the direct sellers at distributor price i,e. Less than MRP.

The directs sellers can choose to sell those products at mentioned MRP hence earning retail profit or can choose to use them hence making a huge saving

Here the retail profit depends on the initial package purchased by the direct seller where they get a chance to earn a profit that may range from 15% to 30%.

2. Turnover Bonus:

This is the second type of income provided by Netsurf. According to this company, it will provide you with some commission on every downline purchase.

You will be rewarded 5% from direct downline purchase and 3% to 6% from total team turnover.

Let’s say Suresh is a direct seller of this company, in which Ramesh is in the first leg and Ram is the downline in the second leg.

In the downline, Rs 6000 is purchased by Ramesh and Rs 5000 by Ram, then under this income, the company will give 5% of Rs 6000 and Rs 5000 to Suresh, which is Rs 300 and Rs 250 respectively in commission.

After this, some percentage commission is also given on the purchase of the entire team below Suresh’s downline (Ram and Ramesh).

3. Generation Income:

This will be the third type of income provided by Netsurf.

According to generate the income you will be able to earn some commission based on 7 levels of downline purchase.

For example, you have 2 downlines so from the first downline you will be provided some amount of commission and from the second downline, you will be given some amount of commission.

If your first downline has another downline then you will be eligible to earn a second level of commission.

Suppose, that your downline also earns Rs 3000 this month, then it will be your 2nd level downline and according to the above table, you will get a 10% commission for it, which will be Rs 300.

Netsurf Products List

Products are one of the most important pillars for any direct selling company.

According to Netsurf the main motive behind their direct selling business is to provide chemical-free natural products to every individual.

Netsurf has almost 63 natural products on its list among which health care and agricultural products are in great demand.

Even though some of the Netsurf products cost quite a fortune but as compared to other MLM company products there are made of natural ingredients and have more health benefits.

According to the recent survey Netsurf has sold almost 5.2 million+ HealthCare products to families, 9 million+ personal care products to various households, and 12 million+ agricultural products to the farmers.

All these products are designed with proper scientific techniques and are manufactured using advanced processes. Some of the products are:

These products are a blessing to farmers, they efficiently increase the growth of organic farming, help the farmers with sustainable income as they show a huge amount of agricultural output with very less input cost.

These products are chemical-free and promote healthy agricultural growth.

Some of the products in these lists are:

• Plant Growth Promoters
• Bio-pesticides

2. Herb & care:

These products are the perfect blend of natural ancient herbs and professional techniques.

These are the best fir for your hair and skin-related issues. There are almost 30 products which are further categorized into:

• Vitamin Therapy

Professional

3. Naturamore:

These products are essential for those who want to lead a healthy lifestyle.

The products are made of natural ingredients which promotes a healthy lifestyle.

These are the best nutrition’s available in the market for your entire family and are trusted by over 1 million customers. Some of the products in this category are:

• Daily Nutrition
• Functional Nutrition

More details on the products can be obtained by clicking on the links provides.

This will give you a detailed product list under each category along with the price and quantity details.

There are more such products and categories available in Netsurf for the complete details visit the site with the below-provided link and hover over the “OUR BRANDS” tab under which you will get the product categories and product details.

OFFICIAL SITE: https://netsurfnetwork.com/

Netsurf Turnover

Netsurf always believed in transparency and working legally by complying with the policies.

It wants to provide the best quality products to its customers.

With this belief and trust, Netsurf provided its customers with the best products and gradually earned the faith of almost 3 million customers.

The company’s turnover for the financial year 2019-2020 was rupees 350 Cr/-. Netsurf has a vision that by the end of the financial year 2020-2021 it will be able to grow itself by at least rupees 500 Cr/-.

How to create an id in Netsurf

To join Netsurf, you need to provide some important documents like Aadhar Card, PAN Card, Bank Account Number, Nominee Name, Nominee Relation, Mobile Number, Email ID, and Signature on Distributor Form.

You can also sign up by visiting an already associated distributor of Netsurf company or by visiting the company’s store or the company’s official website.

Because Netsurf is a Legal Direct Selling Company that follows the guidelines of the Government of India, the Joining Fees in Netsurf are absolutely free, but for the first time to activate the Business ID, you would need to buy some product or service.

Netsurf provides three types of packages in the form of Joining Packages.

Netsurf’s marketing plan has managed to acquire a position where you can completely put your faith in it.

But if you still have some doubts as to why should you prefer this company for growing your business or why should you use these products instead of other products which are available in the market?

Then let us give you a brief of it:

This company believes in complete transparency like you will be able to see or can connect with any Netsurf member, you can look into the total turnovers, payouts, and achievements.

This company supports a unique business plan, no demotions for any direct sellers, the gradual increase of commissions.

All these features make this company worth working for.

And about the products as we have seen all are made of natural ingredients and provide a chemical-free solution to all the problems.

These are the main reason why you should choose Netsurf Network to start your career.

Frequently Asked Questions

Q1: how much do we need to spend to join netsurf.

Ans: According to direct selling guidelines, no fess is required to connect with Netsurf or any other MLM companies .

But after joining Netsurf buying its products comes under mandatory requirements.

Q2: Is Netsurf fraud?

Ans: No, Netsurf is a network-based marketing company, which is completely product-oriented and legal.

Q3: Can we return Netsurf products?

Ans: Yes, according to direct selling guidelines all products can be returned within 30 days of purchase.

You may choose to exchange these products with a new one or you may ask for a complete refund.

Q4: What are the requirements to join Netsurf?

To join Netsurf, you must have an Aadhar card. You can provide parental information if you are under the age of 18. Apart from this, PAN card and bank account information will have to be given to Netsurf.

Q5: Do Netsurf Businesses Have to Add People?

Yes, in Netsurf you have to add people. But it is not necessary, in this, you can earn only a retail profit, only by further selling Netsurf’s product at MRP. But if you want a good income from MLM, then it is very important to connect with people.

Q6: How much money can I earn from Netsurf?

How much money you can earn from Netsurf, completely depends on you, how big and active your team is. Otherwise, it usually takes 3 to 4 years of continuous hard work to be successful in an MLM company like Netsurf, only after that there is a possibility of a good income. The success rate in MLM is just 0.4%.

Q7: Is it necessary to buy products from Netsurf?

Yes, it is necessary to purchase the product to work as a distributor in Netsurf.

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Kroger, albertsons defend merger plan in federal court against u.s. regulators’ objections.

Faye Guenther, president of local UFCW 3000, hugs Carol McMillian, bakery manager at Kroger-owned King Soopers and member of Local 7, after a news conference about the Kroger and Albertsons merger outside the federal courthouse on Monday, Aug. 26, 2024, in Portland, Ore. (AP Photo/Jenny Kane)

PORTLAND, Ore. (AP) — Supermarket chain Albertsons told a federal judge Monday that it might have to lay off workers, close stores and even exit some markets if its planned merger with Kroger isn’t allowed to proceed.

The two companies proposed what would be the largest supermarket merger in U.S. history in October 2022. But the Federal Trade Commission sued to prevent the $24.6 billion deal, alleging it would eliminate competition and raise grocery prices in a time of already high food price inflation.

In the three-week hearing that opened Monday, the FTC is seeking a preliminary injunction that would block the merger while its complaint goes before an in-house administrative law judge.

“This lawsuit is part of an effort aimed at helping Americans feed their families,” the FTC’s chief trial counsel, Susan Musser, said in her opening arguments on Monday.

Musser said Kroger and Albertsons currently compete in 22 states, closely matching each other on price, quality, private label products and services like store pickup. Shoppers benefit from that competition, she said, and will lose those benefits if the merger is allowed to proceed.

FILE - A customer exits a Kroger fueling center on June 26, 2019 in Flowood, Miss. (AP Photo/Rogelio V. Solis, File)

Customers also are wary of the merger, the lawyer said. In Santa Fe, New Mexico, for example, 278 shoppers wrote to the FTC to express their concerns about a combined Kroger and Albertsons, which would own five of the city’s eight supermarkets.

But Kroger and Albertsons insist the FTC’s objections don’t take into account the rising competition in the grocery sector. Walmart’s grocery sales totaled $247 billion last year compared to $63 billion in 2003, for example; Costco’s sales have grown more than 400% in the same period.

“Consumers are blurring the line of where they buy groceries,” Albertsons attorney Enu Mainigi said.

Mainigi said Albertsons’ customers now spend 88 cents of every dollar at competitors that range from Aldi and Trader Joe’s to Dollar General. Albertsons can’t compete with larger rivals that have national scale, but joining forces with Kroger would help it do that, she said.

Kroger attorney Matthew Wolf also defended the proposed merger.

A worker returns grocery carts at an Albertsons grocery store on Monday, Aug. 26, 2024, in Lake Oswego, Ore. (AP Photo/Jenny Kane)

“The savings that come from the merger are obvious and intuitive. Kroger may have the best price on Pepsi. Albertsons may have the best price on Coke. Put them together, they have the best price on both,” Wolf said.

The two sides also disagree on Kroger and Albertsons’ plan to sell 579 stores in places where their stores overlap. The buyer would be C&S Wholesale Grocers, a New Hampshire-based supplier to independent supermarkets that also owns the Grand Union and Piggly Wiggly store brands.

The FTC says C&S is ill-prepared to take on those stores. Laura Hall, the FTC’s senior trial counsel, cited internal documents that indicated C&S executives were skeptical about the quality of the stores they would get and may want the option to sell or close them.

But Wolf said C&S has the experience and infrastructure to run the divested stores and would be the eighth-largest supermarket company in the U.S., if the merger plan goes through.

The commission also alleges that workers’ wages and benefits would decline if Kroger and Albertsons no longer compete with each other.

Before the hearing, several members of the United Food and Commercial Workers International union gathered outside the federal courthouse in downtown Portland to speak out against the proposed deal.

“Enough is enough,” said Carol McMillian, a bakery manager at a Kroger-owned grocery store in Colorado. “We can no longer stand by and allow corporate greed that puts profit before people. Our workers, our communities and our customers deserve better.”

The labor union also expressed concern that potential store closures could create so-called food and pharmacy “deserts” for consumers.

For people in many communities across the U.S., when a grocery store shutters, “their only source of food actually is walking to the nearest gas station,” said Kim Cordova, the president of UFCW Local 7, which represents over 23,000 members in Colorado and Wyoming.

Mainigi argued the deal could actually bolster union jobs, since many of Kroger’s and Albertsons’ competitors, like Walmart or Costco, have few unionized workers.

U.S. District Judge Adrienne Nelson is expected to hear from around 40 witnesses, including the CEOs of Kroger and Albertsons, before deciding whether to issue the preliminary injunction. If she does decide to temporarily block the merger, the FTC’s in-house hearings are scheduled to begin Oct. 1.

But Nelson’s decision will seal the merger’s fate, according to Wolf. He said the FTC’s in-house administrative process is so long and cumbersome that merger deals almost always fall apart before it’s through. Earlier this month, Kroger sued the FTC, alleging the agency’s internal proceedings were unconstitutional and saying it wants the merger’s merits decided in federal court.

The attorneys general of Arizona, California, the District of Columbia, Illinois, Maryland, Nevada, New Mexico, Oregon and Wyoming all joined the case on the FTC’s side. Washington and Colorado filed separate cases in state courts seeking to block the merger.

Kroger, based in Cincinnati, Ohio, operates 2,800 stores in 35 states, including brands like Ralphs, Smith’s and Harris Teeter. Albertsons, based in Boise, Idaho, operates 2,273 stores in 34 states, including brands like Safeway, Jewel Osco and Shaw’s. Together, the companies employ around 710,000 people.

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Understanding retirement calculators

How to use a retirement calculator, benefits of using a retirement calculator, accurate retirement calculator: plan your future with ease.

Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews.

• Retirement calculators provide a rough estimate of how your invested savings will grow over time.
• Our retirement calculator tracks your retirement savings progress and shows if you might fall short.
• Compare the estimated retirement funds with the amount you will need by your desired retirement age.

Taking advantage of the compound growth, tax advantages, and investment opportunities provided by the best retirement plans is the first step in building long-lasting wealth. But how do you know if you've contributed enough to support yourself during your golden years?

Business Insider's free retirement calculator offers free estimates to help you plan accordingly based on personal details like your life expectancy, income, expected expenses, and estimated retirement age.

Here is how you can use an online retirement calculator and the information you need to generate an accurate estimate. 

Retirement Calculator

Use insider’s calculator to see if you’re on your way to a comfortable retirement by answering a few questions about yourself, your savings, and how long you expect to keep working..

70% of pre-retirement income

*Need is based on covering 70% of your annual pre-retirement income and a life expectancy of 100 years.

What is a retirement calculator?

Retirement calculators are free online planning tools that estimate how your invested savings will grow based on personal and economic factors. 

"If you start investing in your retirement plans in your early 20s, the more likely you'll have a larger pool of money to support you in retirement than if you start saving and contributing to retirement accounts later in life," says Chloe Wolhforth, financial planner and senior managing director at Angeles Investments . 

Business Insider's retirement calculator, above, is designed to track your savings progress with detailed retirement projections. It's based on the idea that Americans generally spend less as they age and can sustain a 30- to 40-year retirement on 70% of their pre-retirement income. 

The calculator generates two important numbers:

• The amount you will have by your desired retirement age. By providing your current savings rate and retirement account balances, the retirement calculator can estimate how much money you'll have in savings or investments by retirement. 
• The amount you will need by your desired retirement age. Using your current income and expected salary increases, the retirement calculator can estimate how much money you'll need in savings or investments by retirement. 

How much you'll need to retire may be more or less than the 70% rule of thumb, depending on your lifestyle. For a more accurate estimate of how much you can expect to spend in retirement, consult a financial advisor . 

Why you need a retirement calculator

The best retirement calculators estimate how much you need to save for your future using personal and financial information. A general rule of thumb is that the earlier you start saving, the better.

Investing your savings and accumulating compound interest is the best way to grow long-term wealth. Now is the time to start if you're not already contributing to a retirement savings plan like a 401(k) or IRA. 

Inflation is considered when calculating retirement savings. But remember, a retirement calculator can't predict the future, and the actual inflation rates may vary. It can't predict market crashes, failed investments, or future financial hardships. It is only one of many financial planning tools you need to ensure a comfortable retirement. 

Input your personal and financial information

For the retirement calculator, we define a comfortable retirement as living on 70% of your pre-retirement income. However, the calculator is customizable. If you're able, incorporate as many specific details as possible. 

Here's what you'll need to input:

• Personal information: Current age and the age at which you expect to retire. 
• Current retirement balance: The total retirement savings across all your accounts, including 401(k)s and IRAs .
• Current household income: Your annual gross income (the amount you earn before taxes).
• Rate of savings: How much money you save toward retirement each month. You can enter this as a dollar amount or a percentage of your income.

The following inputs are pre-filled, but you can change some to customize your retirement calculation further.

• Expected annual salary increases: How much do you expect your salary to increase each year? The calculator's default is 2%.
• Anticipated monthly spending in retirement: We assume you'll spend 70% of your pre-retirement income (the amount you're projected to earn right before you retire), but you can change that number if you expect to spend more or less.
• Life expectancy: How long do you expect to live? The default calculation uses a life expectancy of 100 years.
• Investment returns: We assume your savings are invested and earn a 5% annual rate of return. If your retirement savings aren't invested, you may be missing out on earnings through capitalizing on compound interest. 

Analyze the results of the retirement calculator

Don't be discouraged if the retirement calculator shows you fall short of your financial target. There's still time to adjust your savings rate or investment strategy to meet your goal. 

Increasing your income is one of the most effective ways to catch up on retirement savings. If you cannot score a raise in your current position, consider switching jobs for a higher salary or better benefits, such as a more generous 401(k) match, or investing in stocks and similar assets.

Other strategies you can consider are maxing out your 401(k), contributing to a Roth or traditional IRA , or working with a financial advisor to boost your savings further. 

"Investing is a critical part of growing wealth. It is important to invest savings that you have identified as long-term so your assets can grow over time," Wolhforth says. 

Above all, be flexible. As you approach retirement, consider taking a part-time job, waiting to claim Social Security benefits, downsizing your home, or relocating to a more affordable city. 

Using a retirement calculator to see where you stand provides several perks. Here are some of the benefits of retirement calculators:

• Snapshot of your future: A rough estimate of how much money you'll need to retire by a certain age is better than having no estimate.
• Identify shortfalls: The calculator shows if you might fall short of your financial goal, allowing you to plan for a higher savings rate or find supplementary income sources.  
• See your options: By adjusting the calculator's inputs — such as changing your savings rate or your planned retirement age — you can see how your overall plan is affected.

"Depending on when you want to retire, your employment, your tax status, and other considerations, a blend of multiple accounts may be suitable," says Jordan Gilberti, senior financial planner at Facet. 

FAQs about retirement calculators

The accuracy of a retirement calculator can vary, but it is always a rough estimate. Online calculators cannot predict economic shifts or financial hardships that may impact invested funds. Retirement calculators provide estimates based on your inputs, but their accuracy depends on the data you provide and the assumptions used. 

The information you need to use a retirement calculator includes details about your current savings, income, retirement age, expected expenses, and similar data. Retirement calculators also adjust estimations based on predicted inflation and compound growth. 

A retirement calculator can help you save more by revealing whether your current contributions and investment strategy are on track. Based on your estimated retirement age and preferred lifestyle, you can better gauge how long your savings will last. It helps to set realistic goals and adjust your retirement saving strategies accordingly. 

Many free retirement calculators are reliable financial planning tools using standard financial models. However, retirement calculators only provide estimates, so the generated rate of return may not always be accurate. If you're worried about coming short, consider consulting a financial advisor to help grow your retirement savings. 

You should use a retirement calculator on an annual basis or whenever your financial situation changes. It is a good idea to recalculate your estimated retirement savings if you change your salary deferral rate, have increased income, or are considering withdrawing from your retirement savings to afford other expenses. 

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Netsurf India's first direct selling company that implemented direct selling rules 2021 in India. If you want to build a career in direct selling, join Netsu...

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Netsurf has a consumer base of more than 2.5 million across India. Netsurf Network works on a direct selling model where a person can sell the products and earn a commission by selling company products and recruiting people to his team.Netsurf Communications Private Limited is an unlisted private company incorporated on 15 March, 2000.

This program, including one training session in every 2 months at 5 distinct levels, makes sure that the direct sellers are groomed well into the business and they learn to practice the best of the management skills to effectively manage & motivate their teams, market products and handle business affairs at all scales at Netsurf Network.

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A worker returns grocery carts at an Albertsons grocery store on Monday, Aug. 26, 2024, in Lake Oswego, Ore. (AP Photo/Jenny Kane) "The savings that come from the merger are obvious and intuitive.

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Netsurf Products Price List PDF download 2024 | Netsurf Joining Package

In this blog post, I am going to share with you the Netsurf Products Price list along with basic information about the companies.

Netsurf Company produces a wide range of organic farming, personal care, healthcare, and home care Products. But, I saw many people who do not know about all Netsurf Company Products. Probably, You are also do not know about the Products.

Don’t worry, here, in this post, I will show you Netsurf all products, also adding the Netsurf Products Price list 2024 PDF file .

So, Let’s see the list after seeing Netsurf’s Company Profile .

Table of Contents

Netsurf Company Profile

Netsurf Communications Pvt Ltd is another Legal Direct Selling Company in India . Sujit Jain is the founder of Netsurf Network. The headquarters of this Direct Selling company, is located in Pune, Maharashtra.

• Netsurf Earned 419 Crore Despite Lockdown in 2020-21

Netsurf Products

There are many people in the world today who are paying more attention to their body make them Healthy. While we should also take care of our fitness with Natural Products.

Nowadays, We have to care about our health by eating healthy food. But, Where we will get Organic Products?

Everywhere is chemical and preservative-made food. On the other hand, Netsurf has a goal to produce chemical-free Organic Products. Happy to say that, All Netsurf products are 100% organic and Ayurvedic.

Netsurf Products Category:

Netsurf offers 80+ result-oriented Natural products across the following product categories.

• Health Care
• Personal Care
• Agriculture
• Color Cosmetics

For Now, Netsurf has 5 Brands:

• Naturamore:  Netsurf company claims Naturamo’s products are designed to meet the needs of your inner body instead of focusing on the outer body. A perfect fairy tale of nature and science is used to  “Andar Se Fit” . These are further divided into two categories, one is daily nutrition and another is functional nutrition.
• Herbs and more: Netsurf’s herbal and other sections include some vitamins and ayurvedic products for personal care. On the other hand, Herbal and other products are divided into three categories: Ayurveda, Vitamin Therapy, Professional.
• Clean and More:  There are only 2 products in this category, which are Fabric Wash Conditioner and Multi-purpose Home Cleaner.
• Biofit: Biofit is a range of products that promote organic farming and organic solutions for livestock health. It has two types of products, one is Animal Care and another is Crop Care.
• Rang De: Range De Brand includes cosmetics products from Netsurf Company. This section is further divided into three parts: Concealer Palette, lip color, and kajal.

Netsurf Products Price List 202 4

So, This is the price list of Netsurf company products. If you want to buy any Netsurf Naturamore products or Biofit products any product of any category or you are an existing direct seller of Netsurf Network, want to know more information about Netsurf products, this Netsurf products price list is very useful for you. Moreover, you can download Netsurf all product with the price list PDF below. Basically, I added a Google Drive link to Netsurf company products price list there.

Let’s get started.

1. Netsurf Naturamore Product List and Nutritional food supplement

Netsurf Naturamore products present an exclusive range of herbal green teas and sugar-free Ayurvedic syrups. Naturamore Herbal Green Tea is enriched with traditional Ayurvedic herbs and green tea leaves. And, Naturamore nutritional food supplement products represent an exotic blend of herbal supplements which mainly helps to balance the body by transforming the weakness of body systems into optimal functional health. Netsurf company has total of 18 products in this category, such are, naturamore vanilla, naturamore strawberry powder, naturamore joint care tablets, naturamore soap, and many more. Here is the list of Nesurf naturamore all products, netsurf health products, and nutritional food supplements.

2. Netsurf Herbs & More

Netsurf herbs and more products are made with Medicine, Ancient Herbs, and Natura fruits.  A range of Herbs and products take care of the nutritional label of the body. The company has a total of 31 Herbs & More products in this category which is divided into 3 sub-categories.

• Vitamin therapy( Netsurf hair products, Skin Products, and body care)
• Ayurveda (Personal Care)
• Professionals (Beauty Professionals)

1. Vitamin Therapy- SKIN, HAIR, BODY

Vitamin therapy products are specially blended with essential vitamins, extracted from hand-picked premium herbal. The Herbs of Vitamin therapy products are cucumbers, strawberries, green apples absorb vitamins. There are 19 netsurf personal care products in this sub-category such are herbs & more hair nutriment, hair serum, face cream, and many more.

2. Vitamin Therapy- Ayurveda

Netsurf Ayurvedic Medicine is the extraction of Himalayan herbs with specific properties. In the main category of Herbs and more, Netsurf ayurvedic products help to remove these concerns in a very effective way in a modern form. Though Company has only 5 Ayurveda products, but products are very effective.

3. Vitamin Therapy- Professional

Company has also made products for professionals. Basically, they have manufactured products for Beauty and Salon Professionals. The products are affordable, chemical-free, and safe for discreet skin treatments. Therapy Professional range of products is enriched with essential vitamins and extraction of natural fruit. 

3. Clean and More

Netsurf Clean & More products promote ‘natural cleaning’ and assure you of a clean and safe home. Netsurf company has only 4 products in this category which are Herbal Insect Repellent, Liquid Vaporiser (Ayurvedic Mosquito Repellent), Multi-Purpose Home Cleaner, and Fabric wash & Conditioner. These natural formulations are powered by specially derived enzymes and probiotics that support natural deep cleansing. 

4. Netsurf Bio-Fit and Agricultural products price list

Biofit is a truly holistic range of products that helps to optimize the health and safety of livestock, pets, horses, and poultry. These products promote organic farming and harmful chemical-based products in agriculture. The company has a total of 12 products in this category.

Rang De represents Exotically Indian color shades for makeup. Rang De Products of Netsurf are the artistically crafted range of mesmerizing concealer palettes, colors, and of course, the bold and beautiful Kajal. Here is the list of the Netsurf rang de products.

Netsurf Products Price List 2024 PDF Download

Here is the section for Downloading the Netsurf products price list PDF. Only you have to do this, Just Click on the Download Button, and You will be redirected to Google Drive where you can save the Netsurf products list PDF file in your Drive Account.

Netsurf Joining Package

• Pack 1: Rs. 4000-8999 PE 15%
• Pack 2: Rs. 9000-14,999 PE 20%
• Pack 3: Rs. 15000-29999 PE 25%
• Pack 4: Rs. 30000-50,000 PE 30%

I hope, you have got the list of Netsurf Products and are able to download the Netsurf products brochure PDF File and have known the Joining fees of Netsurf Network. This PDF file will help you to select products for your Customer.

Now, I’d like to know you:

Did you already use Netsurf Products?

Did you get the benefits of that product?

Let me know in the comment Right Now.

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A Blogger, Business Analyst! Somraj Mondal is Extensive experience in SEO and analyzing Different types of Businesses, Companies, and new methods of Marketing. Fountainhead of Noni4all, passionate about Digital Marketing and also Python Programming.

2 thoughts on “Netsurf Products Price List PDF download 2024 | Netsurf Joining Package”

Can i ask something?? I have an problem.

This is a great blog post. I have been using Netsurf for a few years now and it is a great tool. Keep up the good work.

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