Regulation Crowdfunding (Reg CF) and Regulation A+ (Reg A+) allow small businesses and startups to raise capital from non-accredited investors through online crowdfunding portals. Reg CF permits companies to raise up to $1 million and allows non-accredited investors to contribute 5-10% of their annual income. Reg A+ deals in higher funding amounts, requires SEC approval and financial audits. Both regulations open new opportunities for funding local small businesses and startups that previously lacked access to traditional financing. As the crowdfunding space matures, these regulations have the potential to significantly expand access to capital and investment.
Early-stage companies need tremendous amounts of cash to grow rapidly. Yet, angel groups and venture-capital firms are not usually a realistic option for early stage startups. Additionally, entrepreneurs often find that financing options such as savings, friends, family, and bank loans, even if available, cannot cover the high startup costs attendant to growing a business. Recently, the media has anointed "crowdfunding" as the solution to this startup capital gap. But what exactly is crowdfunding?
The JOBS Act was signed into law in 2012 to facilitate capital formation and included the CROWDFUND Act. The CROWDFUND Act allows small businesses to raise up to $1 million through crowdfunding by selling securities over the Internet without registering with the SEC. Crowdfunding involves raising small amounts of money from a large number of individuals online, often through social media, and has been used to fund creative projects and more recently to help small businesses raise startup capital. The SEC still needs to adopt rules to implement the new crowdfunding exemption for securities sales. Small businesses need to be cautious about using crowdfunding and ensure they comply with all disclosure requirements to avoid securities fraud.
RocketHub Congressional Testimony - Regulation of CrowdfundingRocketHub
On June 26, 2012, The Congressional Committee on Oversight and Government Reform held a hearing on job creation and the Securities and Exchange Commission's efforts to implement the JOBS Act. Rep. Patrick McHenry (R-NC) chaired the hearing. RocketHub's CFO, Alon Hillel-Tuch, was invited to testify on the potential the "crowdfunding for equity" model holds for start-ups, job growth, and the US economy.
The document discusses new SEC regulations on crowdfunding and general solicitation resulting from the JOBS Act. Title II allows general solicitation for private offerings if investors are accredited. Title III allows companies to raise funds through online crowdfunding platforms from both accredited and non-accredited investors, subject to limits. There is debate around how these changes may impact angel investors, intellectual property, investor education requirements, and legal liabilities for funding platforms.
The document discusses regulatory requirements and technologies related to anti-money laundering (AML). It covers the following key points in 3 sentences:
Regulatory requirements on AML include know-your-customer procedures, sanctions list screening, transaction monitoring, and reporting of suspicious transactions. Remote account opening procedures outlined involve using technologies like facial recognition to verify a customer's identity by matching their selfie to their photo ID. Facial recognition technology works by measuring distance between facial feature points and determining if the difference between a selfie and ID photo is within an established error threshold based on historical data.
Crowdfunding - A disruptive financial innovation - Implication for the Caribbean. A look at crowdfunding for the Caribbean and the implication for securities law
This document summarizes key changes to securities laws and capital raising regulations under the JOBS Act of 2012. It discusses three new exemptions created by the JOBS Act that allow companies to conduct public securities offerings without SEC registration: 1) Title II allows general solicitation for offerings to accredited investors; 2) Title III permits crowdfunding from unaccredited investors; and 3) Title IV expands access to smaller public offerings. While the JOBS Act makes capital more accessible, it also increases responsibilities for business lawyers as regulatory gatekeepers.
Early-stage companies need tremendous amounts of cash to grow rapidly. Yet, angel groups and venture-capital firms are not usually a realistic option for early stage startups. Additionally, entrepreneurs often find that financing options such as savings, friends, family, and bank loans, even if available, cannot cover the high startup costs attendant to growing a business. Recently, the media has anointed "crowdfunding" as the solution to this startup capital gap. But what exactly is crowdfunding?
The JOBS Act was signed into law in 2012 to facilitate capital formation and included the CROWDFUND Act. The CROWDFUND Act allows small businesses to raise up to $1 million through crowdfunding by selling securities over the Internet without registering with the SEC. Crowdfunding involves raising small amounts of money from a large number of individuals online, often through social media, and has been used to fund creative projects and more recently to help small businesses raise startup capital. The SEC still needs to adopt rules to implement the new crowdfunding exemption for securities sales. Small businesses need to be cautious about using crowdfunding and ensure they comply with all disclosure requirements to avoid securities fraud.
RocketHub Congressional Testimony - Regulation of CrowdfundingRocketHub
On June 26, 2012, The Congressional Committee on Oversight and Government Reform held a hearing on job creation and the Securities and Exchange Commission's efforts to implement the JOBS Act. Rep. Patrick McHenry (R-NC) chaired the hearing. RocketHub's CFO, Alon Hillel-Tuch, was invited to testify on the potential the "crowdfunding for equity" model holds for start-ups, job growth, and the US economy.
The document discusses new SEC regulations on crowdfunding and general solicitation resulting from the JOBS Act. Title II allows general solicitation for private offerings if investors are accredited. Title III allows companies to raise funds through online crowdfunding platforms from both accredited and non-accredited investors, subject to limits. There is debate around how these changes may impact angel investors, intellectual property, investor education requirements, and legal liabilities for funding platforms.
The document discusses regulatory requirements and technologies related to anti-money laundering (AML). It covers the following key points in 3 sentences:
Regulatory requirements on AML include know-your-customer procedures, sanctions list screening, transaction monitoring, and reporting of suspicious transactions. Remote account opening procedures outlined involve using technologies like facial recognition to verify a customer's identity by matching their selfie to their photo ID. Facial recognition technology works by measuring distance between facial feature points and determining if the difference between a selfie and ID photo is within an established error threshold based on historical data.
Crowdfunding - A disruptive financial innovation - Implication for the Caribbean. A look at crowdfunding for the Caribbean and the implication for securities law
This document summarizes key changes to securities laws and capital raising regulations under the JOBS Act of 2012. It discusses three new exemptions created by the JOBS Act that allow companies to conduct public securities offerings without SEC registration: 1) Title II allows general solicitation for offerings to accredited investors; 2) Title III permits crowdfunding from unaccredited investors; and 3) Title IV expands access to smaller public offerings. While the JOBS Act makes capital more accessible, it also increases responsibilities for business lawyers as regulatory gatekeepers.
Raising Private Equity Capital for Expansion, Insurance and Business Mergers/...Cannabis Legal Group
Raising Private Equity Capital for Expansion, Insurance and Business Mergers/Acquisitions by Erik Allison, Managing Partner at Skytree Capital Partners
In 2013, the ban on general solicitation of accredited investors was lifted, causing the largest change to securities laws in decades. While everyone from startups to hedge funds will enjoy new liberties in investor marketing and outreach campaigns, it’s critical that the new rules are followed to a T, eliminating the chance for exemption rescission.
Equities Crowdfunding is Finally Legal - NOW WHAT?Dara Albright
Presentation for Royse University Webinar (June 24, 2016) to help investment bankers, entrepreneurs, inventors and issuers understand the new ways to raise capital through the "crowd"
FundRoom is a secure marketplace that connects entrepreneurs with pre-verified investors to raise capital and complete funding transactions. Developed on a social network, FundRoom helps companies create funding profiles and connect with investors. Companies can also perform capital transactions through FundRoom's broker-dealer affiliate WealthForge, providing a one-stop shop for raising capital. WealthForge is a licensed broker-dealer that provides capital formation, M&A advisory, valuation, and due diligence services to companies valued between $5M-$100M across 13 states. Since 2010, WealthForge has successfully raised millions for growing businesses through private placements.
Investor relations or stock promotion involves the dissemination of information about a public company to increase its stock price and/or trading volume.
The person who publishes this information is sometimes referred to as a “Stock Promoter”, “Investor Relations Provider” or “Stock Tout”.
Preparing for the Crowdfunding Revolution Dara Albright
A wave of financial innovation and regulatory reform is revolutionizing Wall Street and popularizing new asset classes aimed at democratizing the flow of capital and giving smaller investors and businesses greater opportunities to prosper. As a result, the financial services industry is undergoing a dramatic transformation that is rapidly rendering traditional banking and brokerage revenue models obsolete, conventional capital raising strategies unfeasible and typical asset class returns negligible. This is a must-view presentation for all broker-dealers, investment bankers, financial advisors, issuers and investors looking to capitalize on this surge of industry disruption. This presentation helps prepare investors, asset allocators and issuers for the forthcoming Crowdfunding Revolution. It is loaded with the latest financial and legal knowledge from renowned crowfund industry experts.
This document contains several articles about strategies to help businesses grow. The first article discusses how the IRS recently changed its rules to allow more businesses to take advantage of the Alternative Simplified Credit method for claiming Research and Development tax credits. This opens up opportunities for businesses that previously did not qualify. The second article discusses how businesses expanding globally can enhance their supply chain's tax efficiency through the use of an international trading company structure. This allows taxation of global profits according to where business is conducted. The last article discusses common myths about the Affordable Care Act and how businesses can comply with its requirements.
ThinCats is an online marketplace that enables experienced investors to provide secured loans directly to UK businesses, bypassing banks. It facilitates loans between £50,000-£1M at interest rates of 8-11% by bringing together lenders and borrowers. Lenders can view business information packs, participate in auctions to join syndicates and earn steady, predictable returns. ThinCats thoroughly vets businesses and only lists those that can demonstrate an ability to repay loans and provide security, minimizing risk for lenders.
Bravo Multinational owns and operates gaming assets in Latin America. It currently generates revenue from 150 gaming machines in Nicaragua and expects to reach a $3.5 million annual revenue run rate by 2017. The company is expanding operations to include two gaming licenses in El Salvador and plans to place gaming machines in Colombia through a leasing partnership. Bravo highlights Latin America's growing economies and expanding middle class as positive market trends for its business. It is also exploring opportunities to diversify beyond gaming and add to its bottom line earnings.
Periodic Reporting - Ask Securities Lawyer 101Brenda Hamilton
Companies become subject to the SEC’s periodic reporting requirements a number of ways including by filing a registration under the Securities Act of 1933, as amended or pursuant to the Securities Exchange Act of 1934. The SEC periodic reporting rules require that publicly traded companies disclose a wealth of information to the public. Periodic reporting also requires that these reports… Read More
DealMarket Digest Issue128 - 14th February 2014Urs Haeusler
SEE WHATS NOTEWORTHY IN PRIVATE EQUITY THIS WEEK /// ISSUE 128 - February 14th, 2014:
• New Source for Private Equity Performance Data and Analysis
• Large Buyout to Grow French Car Park Specialist
• New Mega-Funds May Have Trouble Finding Mega Targets
• Global M&A Stats Show Private Equity is Finding the Exit
• Cleantech Investment Declines Again in 2013
• Quote of the Week: Bitcoin Anomaly
What the SPAC Trend Means for Digital Health, Rock HealthLevi Shapiro
What the SPAC Trend Means for Digital Health- presentation by Sari Kaganoff, Head, Consulting, Rock Health for mHealth Israel, May 12, 2021. Covers four parts: What’s a SPAC? Digital health’s very own SPAC boom. SPAC sponsors and targets in digital health. What SPACs mean for digital health. SPAC definition and fundamentals. Digital health activity has accelerated recently after a decade of steady growth. There have already been more completed or announced public exits in digital health in 2021 than in the last two years combined. The vast majority of recent public exit activity in digital health is SPAC-triggered. SPAC sponsors in digital health are targeting companies with slightly less funding and experience than those going public through an IPO. There is a potential supply-demand mismatch between sponsors and targets. The SPAC and IPO processes have different advantages for management teams. What this all means: SPACs are delivering more liquidity in digital health, faster.
Impact of the JOBS Act on the IPO Market (Series: THE JOBS ACT - A RETROSPECT...Financial Poise
The document discusses the impact of the JOBS Act on the IPO market. It summarizes key aspects of the JOBS Act that make the IPO process easier for emerging growth companies, including:
1) Allowing emerging growth companies to "test the waters" by communicating with qualified institutional buyers and accredited investors to determine interest in a potential offering.
2) Permitting emerging growth companies to submit draft registration statements confidentially for SEC review before publicly filing.
3) Reducing various disclosure and reporting requirements for emerging growth companies for up to five years after going public.
The JOBS Act helped stimulate the IPO market by creating an "IPO on-ramp" for smaller companies through these
1. The document summarizes a research report on crowdfunding market trends from 2012. It analyzes data from over 170 crowdfunding platforms regarding funds raised, operations, and key stakeholders from 2009-2011.
2. The report contains four sections: an overview of the research methodology, an analysis of market growth and composition, an overview of crowdfunding models, and an analysis of platform value propositions and functionality.
3. Over $1.5 billion was raised across 452 active crowdfunding platforms worldwide in 2011, with most platforms based in North America and Europe. Reward-based platforms were the largest category but equity-based platforms grew the fastest.
PeerRealty - World Crowdfunding Conference PresentationPeerRealty
PeerRealty CEO Jordan Fishfeld addressed attendees of the World Crowdfunding Conference in Guiyang, China on October 25, 2015. With over 8,000 attendees, the World Crowdfunding Conference is the largest crowdfunding conference on the planet. This is the presentation he gave regarding the U.S. crowdfunding market and PeerRealty's real estate crowdfunding platform.
DealMarket DIGEST Issue 140 // 09 May 2014CAR FOR YOU
This document provides a summary of recent news and deals in the private equity industry:
- M&A activity in the Middle East increased in Q1 2014, with the top deal being a $700 million acquisition in Qatar. Foreign investment in the region also significantly increased.
- German fire safety company Minimax is being sold to private equity firms in a potential $1.8 billion deal.
- Large tech companies like Yahoo and Google led the US in M&A deals in 2013, paying high multiples for acquisitions in their pursuit of technology dominance.
- Sovereign wealth funds and family offices have increasingly been investing directly in the European venture capital market in large deals.
- Fundraising
The JOBS Act eases several securities laws and regulations to promote capital formation for small companies and startups. It allows general solicitation for Rule 506 private offerings, increases the limit for Regulation A "mini-IPOs", and enables equity crowdfunding. The Act also creates a new category of "Emerging Growth Company" that benefits from reduced disclosure and reporting requirements during their IPO process and for up to five years as a public company. Implementation depends on final SEC rulemaking but the JOBS Act aims to stimulate the economy by lowering barriers for small businesses seeking to raise funds.
This document summarizes the Global Frontier Technology Fund, which invests in early-stage technology companies around the world. The fund highlights that 85% of future GDP growth will occur outside the US and that it has a network of over 300,000 founders building companies in 49 countries. It invests in sectors like AI, blockchain, IoT, and financial technology. The fund also has partnerships to help portfolio companies scale globally.
This document discusses the state of different industries in India's startup boom in terms of competition and opportunities for new entrants. It categorizes industries into red, yellow, and green categories. Red industries like ecommerce and taxis have clear leaders and high barriers to entry due to major funding. Yellow industries like real estate and payments are still developing leaders with room for growth and innovation. Green industries like software and food/beverage have low startup costs and remain open to new competitors. The document provides this analysis to help entrepreneurs determine which industries remain open for competition.
Este documento trata sobre la hidratación y nutrición para el ejercicio físico. Explica que la deshidratación depende de factores ambientales y la intensidad del ejercicio, pudiendo perderse de 1 a 2 litros por hora de sudor. La pérdida de agua puede causar efectos como sed, menor apetito, disminución del rendimiento y en casos extremos la muerte, por lo que se recomienda la hidratación. También habla sobre los macronutrientes recomendados como carbohidratos, gras
Raising Private Equity Capital for Expansion, Insurance and Business Mergers/...Cannabis Legal Group
Raising Private Equity Capital for Expansion, Insurance and Business Mergers/Acquisitions by Erik Allison, Managing Partner at Skytree Capital Partners
In 2013, the ban on general solicitation of accredited investors was lifted, causing the largest change to securities laws in decades. While everyone from startups to hedge funds will enjoy new liberties in investor marketing and outreach campaigns, it’s critical that the new rules are followed to a T, eliminating the chance for exemption rescission.
Equities Crowdfunding is Finally Legal - NOW WHAT?Dara Albright
Presentation for Royse University Webinar (June 24, 2016) to help investment bankers, entrepreneurs, inventors and issuers understand the new ways to raise capital through the "crowd"
FundRoom is a secure marketplace that connects entrepreneurs with pre-verified investors to raise capital and complete funding transactions. Developed on a social network, FundRoom helps companies create funding profiles and connect with investors. Companies can also perform capital transactions through FundRoom's broker-dealer affiliate WealthForge, providing a one-stop shop for raising capital. WealthForge is a licensed broker-dealer that provides capital formation, M&A advisory, valuation, and due diligence services to companies valued between $5M-$100M across 13 states. Since 2010, WealthForge has successfully raised millions for growing businesses through private placements.
Investor relations or stock promotion involves the dissemination of information about a public company to increase its stock price and/or trading volume.
The person who publishes this information is sometimes referred to as a “Stock Promoter”, “Investor Relations Provider” or “Stock Tout”.
Preparing for the Crowdfunding Revolution Dara Albright
A wave of financial innovation and regulatory reform is revolutionizing Wall Street and popularizing new asset classes aimed at democratizing the flow of capital and giving smaller investors and businesses greater opportunities to prosper. As a result, the financial services industry is undergoing a dramatic transformation that is rapidly rendering traditional banking and brokerage revenue models obsolete, conventional capital raising strategies unfeasible and typical asset class returns negligible. This is a must-view presentation for all broker-dealers, investment bankers, financial advisors, issuers and investors looking to capitalize on this surge of industry disruption. This presentation helps prepare investors, asset allocators and issuers for the forthcoming Crowdfunding Revolution. It is loaded with the latest financial and legal knowledge from renowned crowfund industry experts.
This document contains several articles about strategies to help businesses grow. The first article discusses how the IRS recently changed its rules to allow more businesses to take advantage of the Alternative Simplified Credit method for claiming Research and Development tax credits. This opens up opportunities for businesses that previously did not qualify. The second article discusses how businesses expanding globally can enhance their supply chain's tax efficiency through the use of an international trading company structure. This allows taxation of global profits according to where business is conducted. The last article discusses common myths about the Affordable Care Act and how businesses can comply with its requirements.
ThinCats is an online marketplace that enables experienced investors to provide secured loans directly to UK businesses, bypassing banks. It facilitates loans between £50,000-£1M at interest rates of 8-11% by bringing together lenders and borrowers. Lenders can view business information packs, participate in auctions to join syndicates and earn steady, predictable returns. ThinCats thoroughly vets businesses and only lists those that can demonstrate an ability to repay loans and provide security, minimizing risk for lenders.
Bravo Multinational owns and operates gaming assets in Latin America. It currently generates revenue from 150 gaming machines in Nicaragua and expects to reach a $3.5 million annual revenue run rate by 2017. The company is expanding operations to include two gaming licenses in El Salvador and plans to place gaming machines in Colombia through a leasing partnership. Bravo highlights Latin America's growing economies and expanding middle class as positive market trends for its business. It is also exploring opportunities to diversify beyond gaming and add to its bottom line earnings.
Periodic Reporting - Ask Securities Lawyer 101Brenda Hamilton
Companies become subject to the SEC’s periodic reporting requirements a number of ways including by filing a registration under the Securities Act of 1933, as amended or pursuant to the Securities Exchange Act of 1934. The SEC periodic reporting rules require that publicly traded companies disclose a wealth of information to the public. Periodic reporting also requires that these reports… Read More
DealMarket Digest Issue128 - 14th February 2014Urs Haeusler
SEE WHATS NOTEWORTHY IN PRIVATE EQUITY THIS WEEK /// ISSUE 128 - February 14th, 2014:
• New Source for Private Equity Performance Data and Analysis
• Large Buyout to Grow French Car Park Specialist
• New Mega-Funds May Have Trouble Finding Mega Targets
• Global M&A Stats Show Private Equity is Finding the Exit
• Cleantech Investment Declines Again in 2013
• Quote of the Week: Bitcoin Anomaly
What the SPAC Trend Means for Digital Health, Rock HealthLevi Shapiro
What the SPAC Trend Means for Digital Health- presentation by Sari Kaganoff, Head, Consulting, Rock Health for mHealth Israel, May 12, 2021. Covers four parts: What’s a SPAC? Digital health’s very own SPAC boom. SPAC sponsors and targets in digital health. What SPACs mean for digital health. SPAC definition and fundamentals. Digital health activity has accelerated recently after a decade of steady growth. There have already been more completed or announced public exits in digital health in 2021 than in the last two years combined. The vast majority of recent public exit activity in digital health is SPAC-triggered. SPAC sponsors in digital health are targeting companies with slightly less funding and experience than those going public through an IPO. There is a potential supply-demand mismatch between sponsors and targets. The SPAC and IPO processes have different advantages for management teams. What this all means: SPACs are delivering more liquidity in digital health, faster.
Impact of the JOBS Act on the IPO Market (Series: THE JOBS ACT - A RETROSPECT...Financial Poise
The document discusses the impact of the JOBS Act on the IPO market. It summarizes key aspects of the JOBS Act that make the IPO process easier for emerging growth companies, including:
1) Allowing emerging growth companies to "test the waters" by communicating with qualified institutional buyers and accredited investors to determine interest in a potential offering.
2) Permitting emerging growth companies to submit draft registration statements confidentially for SEC review before publicly filing.
3) Reducing various disclosure and reporting requirements for emerging growth companies for up to five years after going public.
The JOBS Act helped stimulate the IPO market by creating an "IPO on-ramp" for smaller companies through these
1. The document summarizes a research report on crowdfunding market trends from 2012. It analyzes data from over 170 crowdfunding platforms regarding funds raised, operations, and key stakeholders from 2009-2011.
2. The report contains four sections: an overview of the research methodology, an analysis of market growth and composition, an overview of crowdfunding models, and an analysis of platform value propositions and functionality.
3. Over $1.5 billion was raised across 452 active crowdfunding platforms worldwide in 2011, with most platforms based in North America and Europe. Reward-based platforms were the largest category but equity-based platforms grew the fastest.
PeerRealty - World Crowdfunding Conference PresentationPeerRealty
PeerRealty CEO Jordan Fishfeld addressed attendees of the World Crowdfunding Conference in Guiyang, China on October 25, 2015. With over 8,000 attendees, the World Crowdfunding Conference is the largest crowdfunding conference on the planet. This is the presentation he gave regarding the U.S. crowdfunding market and PeerRealty's real estate crowdfunding platform.
DealMarket DIGEST Issue 140 // 09 May 2014CAR FOR YOU
This document provides a summary of recent news and deals in the private equity industry:
- M&A activity in the Middle East increased in Q1 2014, with the top deal being a $700 million acquisition in Qatar. Foreign investment in the region also significantly increased.
- German fire safety company Minimax is being sold to private equity firms in a potential $1.8 billion deal.
- Large tech companies like Yahoo and Google led the US in M&A deals in 2013, paying high multiples for acquisitions in their pursuit of technology dominance.
- Sovereign wealth funds and family offices have increasingly been investing directly in the European venture capital market in large deals.
- Fundraising
The JOBS Act eases several securities laws and regulations to promote capital formation for small companies and startups. It allows general solicitation for Rule 506 private offerings, increases the limit for Regulation A "mini-IPOs", and enables equity crowdfunding. The Act also creates a new category of "Emerging Growth Company" that benefits from reduced disclosure and reporting requirements during their IPO process and for up to five years as a public company. Implementation depends on final SEC rulemaking but the JOBS Act aims to stimulate the economy by lowering barriers for small businesses seeking to raise funds.
This document summarizes the Global Frontier Technology Fund, which invests in early-stage technology companies around the world. The fund highlights that 85% of future GDP growth will occur outside the US and that it has a network of over 300,000 founders building companies in 49 countries. It invests in sectors like AI, blockchain, IoT, and financial technology. The fund also has partnerships to help portfolio companies scale globally.
This document discusses the state of different industries in India's startup boom in terms of competition and opportunities for new entrants. It categorizes industries into red, yellow, and green categories. Red industries like ecommerce and taxis have clear leaders and high barriers to entry due to major funding. Yellow industries like real estate and payments are still developing leaders with room for growth and innovation. Green industries like software and food/beverage have low startup costs and remain open to new competitors. The document provides this analysis to help entrepreneurs determine which industries remain open for competition.
Este documento trata sobre la hidratación y nutrición para el ejercicio físico. Explica que la deshidratación depende de factores ambientales y la intensidad del ejercicio, pudiendo perderse de 1 a 2 litros por hora de sudor. La pérdida de agua puede causar efectos como sed, menor apetito, disminución del rendimiento y en casos extremos la muerte, por lo que se recomienda la hidratación. También habla sobre los macronutrientes recomendados como carbohidratos, gras
The document discusses an employee's career at Energi Danmark. It summarizes that he started as a trainee in the Trading Department after graduating and became an Intraday Power Trader after a year. His primary task is to buy and sell the amount of electricity Danish customers will need for coming hours and days by monitoring prices and factors that influence them. He likes working at Energi Danmark because he was quickly given responsibility for his own work equal to full-time traders and enjoys collaborating with colleagues in an open office.
Mohammad Fraaz Alam is a web designer and front-end developer with over 2 years of experience in web design, UI/UX design, and front-end development using technologies like HTML5, CSS3, JavaScript, jQuery, WordPress, and Photoshop. He has a master's degree in computer applications and has worked on various website projects, converting PSD files to HTML and developing complete websites. Some of the websites he has worked on include event promotion websites for clients in the United Arab Emirates.
This document provides an instruction manual for the collectible card game Milites Fabula. It includes a 3-paragraph story that sets the background for a war over an ancient relic called The Bloom. It then describes the game overview, components, basic card layouts, different card types (Avatars, Epics, Strikers, Counters, Augments, Heirlooms), and gameplay rules across multiple pages. The gameplay rules outline the turn sequence which involves drawing cards, playing cards, combat, and ending turns until one player runs out of cards in their deck.
If you're facing an analogous drawback, then it's time for you to ascertain the foremost basic aspects that ar answerable for promoting your venture within the virtual world.
Topup Genie is a service that allows companies to efficiently distribute airtime to employees through automated recharges. It saves companies time and money compared to manual airtime distribution. Companies can create staff profiles, set recharge schedules, and view transaction histories. Topup Genie ensures accountability by preventing staff from spending airtime allowances on non-work expenses. It also resolves issues like slow response times that companies face when working with mobile carriers directly.
Grup ini membahas tentang Microsoft PowerPoint. PowerPoint adalah perangkat lunak presentasi yang membantu membuat presentasi secara profesional dan efektif. Dokumen ini menjelaskan fitur-fitur dasar PowerPoint seperti membuat slide, menambahkan teks, gambar, dan animasi. [/ringkasan]
Este documento describe un experimento para observar cómo se disuelven y conducen la electricidad diferentes sales en agua y alcohol. Se probaron seis sales comunes y se midió su solubilidad y capacidad de conducción eléctrica tanto en estado sólido como cuando se disolvían en agua u alcohol. Los resultados mostraron que la mayoría de las sales son solubles en agua y conducen electricidad cuando se disuelven en ella, mientras que muy pocas son solubles en alcohol y ninguna conduce electricidad cuando se disuelve en este.
The document provides an overview of natural language generation (NLG) systems. It discusses what NLG is, common architectures and approaches, examples of commercial applications, and statistical approaches. The presenter also provides a case study on using NLG for weather forecasts and discusses future directions for NLG research.
Montaje ordenador y posterior instalación win7 cdTiti la Bicha
Este documento describe los pasos para montar un sistema informático y posteriormente instalar el sistema operativo Windows 7. Primero se explica el montaje de las piezas del ordenador. Luego, se detallan los pasos para configurar la BIOS para que arranque desde el lector de CDs y así iniciar la instalación de Windows 7 desde el CD. Finalmente, se resumen los pasos básicos de la instalación, como elegir la partición, completar la configuración inicial y activar Windows.
Mlaz Zarroug is seeking new opportunities and has over 7 years of experience in customer service roles including as a front desk agent at a hotel, front desk receptionist at an optometrist's office, and business partner at a marketing company. She has a high school diploma and some college education. Her experience includes opening a frozen yogurt store alone, training new hires, solving customer problems quickly, and leading a team. She is proficient in tasks like inventory management, filing paperwork, and record keeping.
This document provides a summary of Waseem A. Khan's experience and qualifications. He has over 25 years of experience in environmental consulting, project management, and operations management. His experience includes managing environmental compliance projects, site assessments and remediation, and business development. He is seeking a senior management position to help grow an environmental consulting firm through client relationships and business development.
Kelley Indy Undergraduate Program ViewbookBrenda Bishop
This document summarizes the stories of five Kelley School of Business alumni and how they each had a pivotal moment during their time at Kelley that helped propel them in their careers. It discusses how Taylor Sidwell discovered her interest in the sports industry through a study abroad program in Spain. It also describes how Lynnette Sauer found her passion for working in art museums after a conversation with a professor encouraged her to pursue a dual degree in both art and business. The document also summarizes how Caleb Martin realized his passion for volunteering through involvement with student organizations. It concludes with Carlos Garcia who landed a job as a financial analyst after graduation that has taken him across the country, far beyond what he originally imagined for his career path.
Richard Dyer established the theory that there is a difference between a pop performer, who is known only for their music, and a pop star, who is recognized for both their persona and music. Dyer's theory suggests pop stars are constructed by record companies to appeal to audiences. The theory has four sections: stars as construction, industry and audience, ideology and culture, and character and personality. Katy Perry was constructed as a pop star by Capitol Records, changing her name, music genre, clothing styles, and relationships to appeal to wider audiences and become more recognizable outside of just her music.
3D printing is a form of additive manufacturing that uses digital files and materials cartridges to quickly print 3D objects on a machine connected to a computer. Charles Hull developed the first 3D printing technique called stereolithography in 1984 and obtained a patent for it in 1986. Since then, different 3D printing technologies have been introduced that use various materials like plastics, metals, and ceramics in different printing processes. 3D printing offers benefits like customization, rapid prototyping, low production costs, and opportunities for employment and organ transplants but also has limitations and risks regarding intellectual property, security, size, and material restrictions.
The document discusses crowdfunding and equity crowdfunding (ECF) in Malaysia. It provides details on:
- How ECF works and the different types of investors that can participate
- The licensing of six ECF platforms in Malaysia and an example of one called CrowdPlus
- The process ECF platforms use to vet projects, conduct due diligence, and list projects for investment
- Potential benefits for startups using ECF, like access to international investors and mentorship
- Misconceptions about ECF and how it can complement traditional financing options
Crowdfunding from the Start-Up's Perspective (Series: Crowdfunding)Financial Poise
How can businesses use the tools created by the JOBS Act to access capital? This webinar compares raising money online to traditional methods of capital raising. It also compares each of the different titles available under the JOBS Act. Finally, we discuss and compare the differences between security based crowdfunding and rewards based crowdfunding, exploring those instances where such a method would make sense.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/crowdfunding-from-the-start-ups-perspective-2021/
The SEC issued final rules in October 2015 related to equity crowdfunding as allowed under Title III of the JOBS Act. The rules establish a framework for small companies to raise funds through crowdfunding platforms regulated by the SEC. Under the rules, companies can raise up to $1 million through crowdfunding in a 12-month period. Individual investors are subject to investment limits based on their income and net worth. Crowdfunding platforms must provide investor education and comply with regulations to facilitate securities offerings. The rules aim to allow small companies access to broader investor pools while protecting investors.
The average person already has some familiarity with crowdfunding thanks to websites like Kickstarter. This and similar sites let individuals contribute relatively small amounts of money to help new businesses purchase the equipment they need to begin operating. For more information about crowdfunding visit http://www.crowdfundconnect.com
Crowdfunding has become a popular way for startups to raise money, with over £200M raised in the UK in 2012. The roundtable discussion analyzed the current state and future of crowdfunding. Attendees predicted crowdfunding will continue growing and possibly raise £15BN annually in the future. Crowdfunding offers businesses greater independence than venture capital and helps startups boost their visibility and profile. While still early, crowdfunding is seen as democratizing investment by allowing more individuals to invest smaller amounts and spread risk. The "wisdom of the crowd" provides public scrutiny that can strengthen businesses.
London leads growth in RegTech investments. Research by FinTech Global, Jan 2017FINTECH GLOBAL
The presentation provides a summary of research findings undertaken by FinTech Global. RegTech investments have more than tripled over the last five years. 2016 saw two record quarters for RegTech investments. London has established itself as the global leader in RegTech deals.
Greg Carson of XBTO Humla Ventures, Venture Capital/Digital Asset fund manager at the marcus evans Private Wealth Management Summit 2022, and the Elite Summit 2022, discusses the financial markets transformation, and what investment opportunities investors must consider.
Several brokers are trying to make managed futures more accessible to retail investors by offering portfolios of multiple CTAs with lower minimum investments. This allows investors to gain exposure to managed futures through a diversified portfolio instead of investing large minimum amounts with a single CTA. Brokers are targeting emerging CTAs with minimums between $25,000-$50,000 and combining three or more of these smaller accounts into a single portfolio to provide retail investors access to managed futures normally reserved for institutional investors.
Bobby Katoli and Jonathan Startz are members of the management team at MassCatalyst. Their contact information is provided should readers wish to reach out to them.
A Quick Guide to Venture Capital by Apogee Accelerator Groupsalesbuddy
Apogee Accelerator Group tells you what you need to know before seeking Venture Capital for your startup or small business.
Visit our page: http://partner.salesbuddy.io/apogee
CROWDFUNDING 2022 - Crowdfunding from the Start-Up's Perspective Financial Poise
How can businesses use the tools created by the JOBS Act to access capital? This webinar compares raising money online to traditional methods of capital raising. It also compares each of the different titles available under the JOBS Act. Finally, we discuss and compare the differences between security based crowdfunding and rewards based crowdfunding, exploring those instances where such a method would make sense.
Part of the webinar series: Crowdfunding 2022
See more at https://www.financialpoise.com/webinars/
DealMarket Digest Issue111 - 4th October 2013Urs Haeusler
SEE WHATS NOTEWORTHY IN PRIVATE EQUITY THIS WEEK /// ISSUE 111 - October 4th, 2013:
- Venture Capital in Europe Rebounds Ahead of US
- Buyouts Are up 19% This Year To-Date
- Europe’s Hottest Tech Startup You’ve Never Heard Of
- Mega-buyout for Blackstone Hotel Investment
- Family Offices’ Growing Role in Silicon Valley
- Choosing a Private Equity Partner - The Investors View
DealMarket DIGEST Issue 111 // 04 October 2013CAR FOR YOU
The document summarizes recent news and trends in the private equity industry:
- Venture capital investment in Europe has rebounded ahead of the US and is up 30% from 2008 levels. Several European funds have had successful fundraising efforts.
- Global buyout deal volume is up 19% year-to-date in 2013 compared to 2012, though Q3 2013 saw a decline from Q2 2013. North America had more than twice the buyout deal value of Europe in Q3 2013.
- Family offices and high net worth individuals are playing a growing role in venture capital investments in Silicon Valley, particularly for later stage deals. Established funds seek their capital and expertise.
Bitcoin, Block chain, Cryptocurrency, and ICO's: A Legal PerspectiveRoger Royse
A full overview of topics surrounding the emerging cryptocurrency Industry. Topics include blockchain use, crowdfunding, ICO's taxation, and federal regulations
58-61-TRE202-Finance-Crowdfunding and Alternative Lending - JDNikhil Inamdar
Beehive and Eureeca are the first online platforms in the Middle East focusing on peer-to-peer lending and equity crowdfunding respectively to help finance small and medium enterprises. While still nascent, these alternative financing options could see rapid growth but face challenges around developing a supportive startup ecosystem, increasing financial education and participation, and establishing a formal regulatory framework to protect investors. For crowdfunding to truly take off in the region on the scale seen in Europe and North America, addressing these enabling factors will be key.
The document discusses challenges that large multinational corporations face when opening bank accounts due to stringent know-your-customer (KYC) regulations. It notes that some corporations, like Chevron Phillips, have struggled for over 12 months to clear KYC processes. While regulations aim to prevent financial crimes, banks tend to overcomply in a way that harms customer experience. New technologies like blockchain show promise in streamlining KYC processes, but banks have been slow to adopt them. Overall, the strict application of KYC rules creates difficulties for both large corporations and small businesses in accessing basic banking services.
Crowdfunding crypto - ic os march 12 2018Roger Royse
Block chain, bitcoin and other cryptocurrencies, and ICOs have dominated recent headlines. While excitement continues to grow around this rapidly expanding space, there still seems to be a lot of unanswered questions. Roger Royse, founder of the Royse Law Firm, discusses the legal issues that may determine the future of these emerging technologies.
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Block chain, bitcoin and other cryptocurrencies, and ICOs have dominated recent headlines. While excitement continues to grow around this rapidly expanding space, there still seems to be a lot of unanswered questions. Roger Royse, founder of the Royse Law Firm, discusses the legal issues that may determine the future of these emerging technologies.
Similar to Are You Ready for the Next Age of Crowdfunding-PCMag-05-19-16 (20)
Are You Ready for the Next Age of Crowdfunding-PCMag-05-19-16
1. 1
Are You Ready for the Next Age of
Crowdfunding?
BY ROB MARVIN
MAY 19, 2016
HTTP://WWW.PCMAG.COM/ARTICLE/344545/ARE-YOU-READY-FOR-THE-NEXT-AGE-OF-CROWDFUNDING
New regulations open the crowdfunding space to small business, a big pool of new investors, and
a lot more money.
In Part One of our explainer on the government-regulated crowdfunding
investment space, we talked about how businesses and investors should navigate
the now-regulated crowdfunding landscape.
Entrepreneurs and start-ups that have never had access to traditional venture
capital funding can now raise up to $1 million through online Regulation
Crowdfunding (Reg CF) portals, and middle-class non-accredited investors can
contribute 5-10 percent of their income per year in Reg CF offerings, depending
on their net worth.
But Reg CF is only one side of the equity crowdfunding coin, which also
includes something known as Regulation A+ (Reg A+).
To start, equity crowdfunding means online investors actually get a stake in the
start-up or SMB as opposed to traditional nonprofit crowdfunding platforms like
Kickstarter and Indiegogo, which are easy ways to lose your money.
Reg CF and Reg A+ are part of the 2012 Jumpstart Our Business
Startups (JOBS) Act, which has been reworked and updated over the past
2. 2
several years to address the crowdfunding economy and encourage new forms of
protected, regulated start-up and SMB funding and investment. Reg CF is Title
III and Reg A+, which went into effect in 2015, is Title IV.
"The entire purpose of Regulation Crowdfunding is to allow emerging
companies to raise capital faster, cheaper, and more efficiently than ever before,
and we are optimistic that over time, this will be prove to be the case," said
Darren Marble, CEO of digital marketing agency CrowdfundX.
A Quick Explainer on Reg A+ and Reg CF
PCMag has a detailed explanation on how Reg A+ works and how accredited
Reg A+ portals operate, but the gist is that compared to Reg CF, Reg A+ deals
in higher funding amounts that are more tightly regulated.
Both regulations deal with unaccredited investors as opposed to traditional VC
investors, private equity firms, and hedge funds. But Reg A+ requires full SEC
approval of each offering (as opposed to formally notifying the SEC of a Reg
CF offering), and two years' worth of audited financial data. Investors also have
to self-certify their net worth before they can start putting money down.
Reg A+ has two funding tiers: Tier 1 caps the maximum amount a business can
raise per year at $20 million and Tier 2 at $50 million. Funding portals must
register separately with the SEC and FINRA as expressly Reg CF or Reg A+
marketplaces (though you can be both). There are no limits on how much
individuals can invest in Tier 1 offerings, but Tier 2 investments are limited to a
maximum of either 10 percent of the investor's net worth or net income,
whichever is higher.
Rod Turner, founder and CEO of approved Reg A+ crowdfunding
portal Manhattan Street Capital (MSC) said Reg CF is more like a
traditional seed round, while Reg A+ fills the role of a much heftier Series A, B,
or C funding round. There are no restrictions stating a company can't raise a Reg
CF round this year, and a Reg A+ round a year or two later.
3. 3
"Title III is essentially seed financing; you don't need wealthy friends and
relatives, you don't need access to angel investors," said Turner. "[The
regulation] is filling a great need both from companies that had no real chance
because of their geography, and for smaller businesses looking to raise an
amount too small for VCs or angel investors to consider. With Title III you can
be in podunk nowhere and as long as you market your product well and it's
appealing to consumers, you can raise capital."
MSC measures Reg A+ statistics monthly. Its latest report found that
the number of mid-stage companies and mature start-ups adopting Regulation
A+ funding is currently at approximately 116, with the aggregate capital of all
those intended raises adding up to $1.9 billion, up from $1.2 billion in January.
To get a sense of the vast difference in scale between Reg CF and Reg A+, look
no further than Mark Cuban. Speaking recently at the Salt Conference, the
entrepreneur, investor, and Shark Tank host told attendees at the hedge fund
summit that Reg A+ is a huge opportunity to counter Silicon Valley VC culture
with a new way for businesses to raise significant capital.
"The SEC has Reg A+, which simplifies the paperwork for [a] $25 million or
$50 million offering. These rules with Reg A+ have just been crystallized
recently and there is a huge opportunity and I've been talking to folks about
creating a fund that says the goal is to invest in [a] start-up, but part of the effort
is we're going to try to take them public within four to five years," Cuban said,
according to The Street.
4. 4
New Money, New Business, New Opportunities
Most coverage of the new crowdfunding regulations has focused on start-ups
and entrepreneurs, but in a way that misses the point. A hot new start-up with
innovative tech or a great-looking growth forecast can always court traditional
VC investment. The companies that can really benefit from the comparatively
small investment limits of Reg CF are under-the-radar small businesses that
have been around a while, have a stable business plan, and just need that extra
push.
Jeff Koeppel, Of Counsel with the Law Offices of Kirk Halpin & Associates,
P.A, advises public and private companies on private equity and debt issuances,
corporate governance, contracts, deal structuring, joint ventures, and other
corporate and securities matters. He said as this space matures, Regulation
Crowdfunding will be particularly helpful to mature small businesses with a
financial track record and a solid local presence seeking to raise a small amount
of capital. Maybe it's hiring new employees or expanding to new local retail
locations, or maybe a manufacturer wants to expand the factory floor or buy
new equipment.
"These are the folks whose bank line of credit was cancelled in the last financial
downturn or who don't want to pay the rate being charged. It may be a local
music store, dry cleaner, or even an auto repair shop that just needs a few
hundred thousand dollars to open a store in another neighborhood," said
Koeppel, who also spent three years at the SEC as a Senior Attorney-Advisor in
the Division of Corporation Finance.
Koeppel pointed to a British crowdfunding site called Crowdcube as a good
example of how this kind of equity crowdfunding should work. Crowdcube took
advantage of UK crowdfunding regulations to introduce something called The
Burrito Bond, which helped Mexican restaurant chain Chilango expand to more
locations in London. The Reg CF-like offering paid investors 8 percent interest
over four years, and raised more than £2 million.
5. 5
Crowdcheck CEO Sara Hanks agreed that local small businesses have the most
to gain. Crowdcheck is a due diligence, disclosure, and compliance firm for
online funding and investment, and Hanks is also a corporate and securities
attorney with experience at several law firms as well as the SEC. The firm does
due diligence and compliance filing for both Reg CF and Reg A+ offerings.
As laid out in Part One, established SMBs may also be in a better position to
handle the upfront costs and recurring fees arising from accounting and legal
due diligence and financial reviews. "I see Regulation CF as being helpful for
'Main Street' type businesses that find it very hard to get funding, and yet could
provide meaningful job growth and economic activity if only they could grow,"
said Hanks.
Where Crowdfunded Investment Goes From Here
This new way of investing is still in its infancy. The next months and years will
bring a lot more Reg CF and Reg A+ portals into the space, and businesses all
across the spectrum, from start-ups and SMBs to small to midsize enterprises
(SMEs) looking for a different kind of funding.
Depending on the business, crowdfunding might be a more appealing option
than VCs and traditional investment, even if the start-up has the option. It
requires adherence to SEC and FINRA rules and paying a percentage off the top
to a portal, but Reg CF and Reg A+ leaves founders and owners with full
control of board seats. Equity crowdfunding also lets founders set the values of
their own companies, from how much investors can buy shares for and what the
minimum investment will be.
The next big question is how the big mainstream crowdfunding and VC portals
respond. AngelList, arguably the biggest start-up marketplace out there, is
already embracing Title III with a recently spun-off investment marketplace
dubbed Republic. MSC's Turner added that if Kickstarter, Indiegogo,
RocketHub, Crowdfunder, and the like entered the equity crowdfunding space as
well (though it would require substantial effort on their part to build an entirely
6. 6
new SEC-compliant section of their business separate from donation-based
crowdfunding), they'd have the consumer investor base to set the market.
"With Indiegogo, they have such a large scale compared to any other Title III
platform," said Turner. "If they do a good job of making it possible for the
companies making money in Title III to communicate with initial investors
who've been contributing to Indiegogo campaigns for a couple years, that's a
tremendous advantage in what they can offer."
Aside from whether or not Kickstarter and Indiegogo enter the fray, the game
could be about to change even more. The SEC is meeting in the near future to
discuss the re-definition of an "accredited investor" to account for inflation,
which could disqualify up to 40 percent of qualified households in the US based
on net worth.
If a change like that went through, non-accredited investment opportunities like
Reg CF and Reg A+ could become exponentially more popular very quickly. It's
the dawn of an entirely new paradigm for how business ventures are funded in
the United States, and we're definitely not in Kansas anymore.