This document provides guidance on resisting sales pressure when making investment decisions. It outlines common sales pitches used to push financial products and recommends asking pointed questions to evaluate the claims. Key advice includes not feeling rushed, understanding all fees, checking the qualifications of the advisor, and considering low-cost direct investment options without a sales commission structure. The goal is to make informed financial choices rather than being sold products that may not align with individual needs and goals.
This document discusses several options for businesses to access working capital beyond traditional bank loans. It notes that the top reasons businesses fail are due to insufficient capital and lack of funding. Private lenders and alternative financing programs can provide cash advances or loans to businesses based on their daily cash flow rather than credit ratings. Specific options mentioned include merchant cash advances, small business loans, purchase order financing, and invoice factoring.
If you are looking for an angel investor for your startup, here are the 20 rules of angel investing that will help your startup stand out as a good candidate for an angel investor’s dollars.
Capitalize on the Hot M & A Market- August 2016Gordon MacLean
The value of merger and acquisition deals reached a record high of over $4.8 trillion last year, exceeding the previous record in 2007 of over $4.1 trillion. While the record pace may not continue, demand for M&A deals is expected to persist due to factors like low interest rates and available capital. The document advises business owners considering an M&A deal to prepare detailed plans, hire experienced legal and financial advisors, and ensure financial statements comply with accounting standards in case the "perfect opportunity" arises. Thorough planning is important but execution is also key, as many M&A deals fail due to poor planning and execution.
14 Outdated Investing 'Rules' You Don't Need To Follow AnymoreScott Tominaga
As the times change, so does the world of finance. Some investors are still stuck on “rules” of investing that have become obsolete, and sticking with these old adages may hurt you in the long run.
Peak Performance Life Consultants is offering a private placement investment opportunity that could provide high returns. Private placements allow privately held companies to raise funds by issuing stock and are regulated by the SEC. They provide an exemption from some SEC regulations. Many private investors have reported returns of 4-10 times their initial investment within 20 months through such offerings. This particular opportunity is expected to sell out within 90 days, so interested investors are encouraged to request the private placement memorandum and subscription agreement immediately to determine if it is a good fit.
Having an array of trustworthy alt-fin options, like Crest Hill Capital and Mantis Funding, to look forward to, has boosted and sustained many SMEs. With heavy collateral's and sky-high credit score requirements, it is notoriously difficult for startups to avail funding from traditional banks. Visit @ https://sites.google.com/view/cresthillcapitalreviews/financial-solutions
Planning how to transition out of your business is a critical decision for executives and entrepreneurs. If you’re considering selling the business – either to external or internal interests – get a head-start on the process with these questions you’ll want to have or find answers for if you decide to sell.
This document discusses several options for businesses to access working capital beyond traditional bank loans. It notes that the top reasons businesses fail are due to insufficient capital and lack of funding. Private lenders and alternative financing programs can provide cash advances or loans to businesses based on their daily cash flow rather than credit ratings. Specific options mentioned include merchant cash advances, small business loans, purchase order financing, and invoice factoring.
If you are looking for an angel investor for your startup, here are the 20 rules of angel investing that will help your startup stand out as a good candidate for an angel investor’s dollars.
Capitalize on the Hot M & A Market- August 2016Gordon MacLean
The value of merger and acquisition deals reached a record high of over $4.8 trillion last year, exceeding the previous record in 2007 of over $4.1 trillion. While the record pace may not continue, demand for M&A deals is expected to persist due to factors like low interest rates and available capital. The document advises business owners considering an M&A deal to prepare detailed plans, hire experienced legal and financial advisors, and ensure financial statements comply with accounting standards in case the "perfect opportunity" arises. Thorough planning is important but execution is also key, as many M&A deals fail due to poor planning and execution.
14 Outdated Investing 'Rules' You Don't Need To Follow AnymoreScott Tominaga
As the times change, so does the world of finance. Some investors are still stuck on “rules” of investing that have become obsolete, and sticking with these old adages may hurt you in the long run.
Peak Performance Life Consultants is offering a private placement investment opportunity that could provide high returns. Private placements allow privately held companies to raise funds by issuing stock and are regulated by the SEC. They provide an exemption from some SEC regulations. Many private investors have reported returns of 4-10 times their initial investment within 20 months through such offerings. This particular opportunity is expected to sell out within 90 days, so interested investors are encouraged to request the private placement memorandum and subscription agreement immediately to determine if it is a good fit.
Having an array of trustworthy alt-fin options, like Crest Hill Capital and Mantis Funding, to look forward to, has boosted and sustained many SMEs. With heavy collateral's and sky-high credit score requirements, it is notoriously difficult for startups to avail funding from traditional banks. Visit @ https://sites.google.com/view/cresthillcapitalreviews/financial-solutions
Planning how to transition out of your business is a critical decision for executives and entrepreneurs. If you’re considering selling the business – either to external or internal interests – get a head-start on the process with these questions you’ll want to have or find answers for if you decide to sell.
This document discusses the small business life cycle and common causes of small business failure. It notes that 60-80% of small businesses fail within five years, often due to a lack of experience or expertise in business operations, strategy, financial control, or an insufficient commitment. It then introduces Head Start Small Business Advisors, a company that aims to help small businesses establish profiles, credit, branding, and consulting services to successfully launch, sustain, and grow their business.
The 13 Most Costly Mistakes C-level Executives Make Raising Capital (2)Cang Vincent Quach
The document discusses 13 common mistakes that C-level executives make when raising capital from investors. Some of the key mistakes highlighted include: having an incomplete or inadequate business plan; providing unclear or unrealistic milestones for how the capital will be used; and asking for too little or too much money from investors without properly justifying the requested amount. The document advises executives to thoroughly research and prepare their business plan, financial projections, and funding request to avoid these costly errors and improve their chances of a successful capital raise.
1) It is easier to obtain funding for existing small businesses than startups because startups lack a track record of financial performance and market validation that investors seek.
2) As a sole proprietor or small consulting business, overhead expenses must initially be covered through deposit payments from clients until larger amounts of capital can be raised.
3) For a startup seeking $150,000 in funding, it would be difficult to convince investors without measurable market size, customer demand, or financial performance, whereas an existing business can provide such metrics to reduce risk.
Depths of Financial Relationships in 2022Yvonne Gamble
Financial depth captures the financial sector relative to the economy. It is the size of banks, other financial institutions, and financial markets in a country, taken together and compared to a measure of economic output. To assure success in business you must both deepen and broaden your financial depths to increase product and service capability relative to your industry. The parameters to be acutely aware of, who you do business with or for, the solidarity of business relationships, the size of your banks, financial institutions, and financial markets as you expand your territory within and outside of your country, taken together and compared will determine the measure of your businesses’ economic output. This compilation discusses what “DEPTHS of Financial Relationships in 2022” means to Business Owners.
Venture 360 Report Overview For Entrepreneurs 1232000447204805 2gueste76bac7
The document discusses the process for startups seeking angel investment through North Venture Partners. It explains that North provides thorough due diligence on companies through a Venture 360 Report process before promoting them to investors. This process analyzes all aspects of a company over 5-10 days to provide investors with reliable data to make funding decisions. Companies then have the option to improve their business and resubmit for a second review to increase their chances of securing funding. The document emphasizes that North's rigorous process aims to set both companies and investors up for success by thoroughly vetting investment opportunities.
The document discusses how angel investor groups work to evaluate and invest in startup businesses. It outlines the process they follow, including filtering business plans, performing due diligence on potential investments, negotiating investment terms, monitoring investments, and hoping for a successful payoff through company growth or acquisition. Key aspects are screening deals for their fit with the angel investment model, validating business plans through fact checking and risk assessment, and providing support to portfolio companies.
An ultimate guide on bootstrapping your small business in 2019Merchant Advisors
This document provides guidance on bootstrapping or self-financing a small business. It discusses that bootstrapping means managing a business using only one's own cash reserves rather than taking on debt or outside investment. Some benefits of bootstrapping include maintaining full control over the business and spending money intelligently without obligations to lenders or investors. However, bootstrapping also limits growth opportunities and access to outside advice. The document provides tips for when bootstrapping may be preferable and how to effectively manage costs, cash flow, and financing while self-funding a small business.
This document presents concepts for small business lending that aims to increase draw, establish relationships, and improve the industry in a less regulated way. It discusses creating business lines of credit using single investors or existing business relationships. It also discusses negotiating with lenders to reduce existing loan balances by detecting possible lender fraud. The document suggests that being a lending or servicing source allows more control and market reach. It notes that foreign investors want to invest in the US economy and could provide loans at 5% interest. Overall, the summary encourages exploring these alternative lending concepts to change or grow a lending business.
Due Diligence for Crowdfunding: How Do You Vet a Crowdfunding Portal?Rachel Speal
How does due diligence work with crowdfunding? How do you determine whether or not the portal is really a Ponzi scheme, willing to take your money and run?
And how do you check out the investments themselves, without using up all the profit on expensive appraisals?
Learn how to vet crowdfunding portals and the investments they list with this informative yet brief presentation.
The document provides an overview of various options for funding a business, including self-funding, funding from friends and family, bootstrapping through invoice financing and leasing, obtaining funding from business angels, crowdfunding, banks through loans, seed funding sources like incubators and accelerators, and government grants and loans. It discusses the advantages and disadvantages of each option and factors like the typical amounts that can be obtained and terms that apply.
Marketing Mistakes New Attorneys Make…And How To Avoid ThemLexisNexis
This document outlines marketing mistakes that new attorneys often make and how to avoid them. It discusses 5 common mistakes: 1) Ignoring your online resume and failing to control how potential clients view you online. 2) Not thinking long-term and assuming good work is enough without marketing. 3) Not attending firm marketing and client development meetings which provide skills and industry contacts. 4) Networking with the wrong people in the wrong places without a plan or goals. 5) Talking too much about legal concepts and "law" to prospects and clients who want reassurance over complex explanations. The document provides advice on how to avoid each mistake and better market yourself as a new attorney.
This document lists 25 questions for potential financial clients to ask when selecting an advisor. Some key questions include: How does the advisor help clients implement basic investment strategies like buying low and selling high? How does the advisor help reduce tax liability? What experience does the advisor have helping clients reduce estate taxes? How is the advisor's firm structured and how will the advisor advocate for the client? Has the advisor ever been disciplined for improper conduct? How do the advisor's fees compare to competitors?
This document discusses financing options for new or existing businesses. It provides an entrepreneurial profile questionnaire to help entrepreneurs understand their attributes and match them with potential investors. The 9-question profile addresses topics like the entrepreneur's demographic characteristics, business type and market, amount of funding needed and intended uses, and preferences around debt versus equity. Understanding these details helps entrepreneurs find investors that may have an affinity for their business based on factors like location, industry or funding needs.
The document provides advice for starting a new business and outlines 10 key steps:
1. Develop a business plan to identify financial targets, market research, and funding requirements.
2. Choose experienced accountants and advisors to help make decisions and avoid mistakes.
3. Decide on the appropriate legal entity based on factors like taxes and image.
4. Ensure the business is correctly registered with relevant authorities.
5. Open a separate bank account for business finances to avoid confusion with personal funds.
6. Determine if and when to register for VAT based on expected turnover.
7. Establish accounting practices from the start to monitor business performance.
8. Identify funding
An Introduction to the World of Venture CapitalScott Tominaga
When startups need funding, venture capital is one option they might consider. Getting funding from a VC firm can offer certain advantages to new businesses that may not be able to get approved for traditional loans. Thanks to the rise of crowdfunding, it’s now becoming decidedly more mainstream.
'Secrets' of Successful Joint VenturesDikseshPatel
If you're looking for a successful Joint Venture, think about the value you add, who is in your power team and how you create your value stack and most of all don't be greedy - this is a partnership built around core values
The document provides information about building business credit through a business credit builder program. It discusses establishing a business credit profile separate from personal credit by registering the business with credit bureaus, obtaining initial business credit from vendors, and using that credit responsibly to build a positive business credit history over time. The goal is to access financing and other business resources using business credit rather than personal credit or guarantees.
Role-playing as a method for socially-mediated design exploration and problem solving. Designers play the role of an imagined solution to reveal underlying user needs.
Interaction Design graduate thesis at the University of Kansas
Card game that teaches salespeople how to create stories that sell. Insight Demand
The document describes a role-playing game called InsightDemand that is designed to teach sales and marketing teams how to tell relevant and memorable stories about customers' experiences to inspire action. The game provides 36 possible story scenarios and guides players through a process of selecting a scenario and filling out a template to build out the story details. It suggests the game helps collect tribal knowledge in an engaging story format and offers a free consultation to review and improve users' stories.
This document discusses the small business life cycle and common causes of small business failure. It notes that 60-80% of small businesses fail within five years, often due to a lack of experience or expertise in business operations, strategy, financial control, or an insufficient commitment. It then introduces Head Start Small Business Advisors, a company that aims to help small businesses establish profiles, credit, branding, and consulting services to successfully launch, sustain, and grow their business.
The 13 Most Costly Mistakes C-level Executives Make Raising Capital (2)Cang Vincent Quach
The document discusses 13 common mistakes that C-level executives make when raising capital from investors. Some of the key mistakes highlighted include: having an incomplete or inadequate business plan; providing unclear or unrealistic milestones for how the capital will be used; and asking for too little or too much money from investors without properly justifying the requested amount. The document advises executives to thoroughly research and prepare their business plan, financial projections, and funding request to avoid these costly errors and improve their chances of a successful capital raise.
1) It is easier to obtain funding for existing small businesses than startups because startups lack a track record of financial performance and market validation that investors seek.
2) As a sole proprietor or small consulting business, overhead expenses must initially be covered through deposit payments from clients until larger amounts of capital can be raised.
3) For a startup seeking $150,000 in funding, it would be difficult to convince investors without measurable market size, customer demand, or financial performance, whereas an existing business can provide such metrics to reduce risk.
Depths of Financial Relationships in 2022Yvonne Gamble
Financial depth captures the financial sector relative to the economy. It is the size of banks, other financial institutions, and financial markets in a country, taken together and compared to a measure of economic output. To assure success in business you must both deepen and broaden your financial depths to increase product and service capability relative to your industry. The parameters to be acutely aware of, who you do business with or for, the solidarity of business relationships, the size of your banks, financial institutions, and financial markets as you expand your territory within and outside of your country, taken together and compared will determine the measure of your businesses’ economic output. This compilation discusses what “DEPTHS of Financial Relationships in 2022” means to Business Owners.
Venture 360 Report Overview For Entrepreneurs 1232000447204805 2gueste76bac7
The document discusses the process for startups seeking angel investment through North Venture Partners. It explains that North provides thorough due diligence on companies through a Venture 360 Report process before promoting them to investors. This process analyzes all aspects of a company over 5-10 days to provide investors with reliable data to make funding decisions. Companies then have the option to improve their business and resubmit for a second review to increase their chances of securing funding. The document emphasizes that North's rigorous process aims to set both companies and investors up for success by thoroughly vetting investment opportunities.
The document discusses how angel investor groups work to evaluate and invest in startup businesses. It outlines the process they follow, including filtering business plans, performing due diligence on potential investments, negotiating investment terms, monitoring investments, and hoping for a successful payoff through company growth or acquisition. Key aspects are screening deals for their fit with the angel investment model, validating business plans through fact checking and risk assessment, and providing support to portfolio companies.
An ultimate guide on bootstrapping your small business in 2019Merchant Advisors
This document provides guidance on bootstrapping or self-financing a small business. It discusses that bootstrapping means managing a business using only one's own cash reserves rather than taking on debt or outside investment. Some benefits of bootstrapping include maintaining full control over the business and spending money intelligently without obligations to lenders or investors. However, bootstrapping also limits growth opportunities and access to outside advice. The document provides tips for when bootstrapping may be preferable and how to effectively manage costs, cash flow, and financing while self-funding a small business.
This document presents concepts for small business lending that aims to increase draw, establish relationships, and improve the industry in a less regulated way. It discusses creating business lines of credit using single investors or existing business relationships. It also discusses negotiating with lenders to reduce existing loan balances by detecting possible lender fraud. The document suggests that being a lending or servicing source allows more control and market reach. It notes that foreign investors want to invest in the US economy and could provide loans at 5% interest. Overall, the summary encourages exploring these alternative lending concepts to change or grow a lending business.
Due Diligence for Crowdfunding: How Do You Vet a Crowdfunding Portal?Rachel Speal
How does due diligence work with crowdfunding? How do you determine whether or not the portal is really a Ponzi scheme, willing to take your money and run?
And how do you check out the investments themselves, without using up all the profit on expensive appraisals?
Learn how to vet crowdfunding portals and the investments they list with this informative yet brief presentation.
The document provides an overview of various options for funding a business, including self-funding, funding from friends and family, bootstrapping through invoice financing and leasing, obtaining funding from business angels, crowdfunding, banks through loans, seed funding sources like incubators and accelerators, and government grants and loans. It discusses the advantages and disadvantages of each option and factors like the typical amounts that can be obtained and terms that apply.
Marketing Mistakes New Attorneys Make…And How To Avoid ThemLexisNexis
This document outlines marketing mistakes that new attorneys often make and how to avoid them. It discusses 5 common mistakes: 1) Ignoring your online resume and failing to control how potential clients view you online. 2) Not thinking long-term and assuming good work is enough without marketing. 3) Not attending firm marketing and client development meetings which provide skills and industry contacts. 4) Networking with the wrong people in the wrong places without a plan or goals. 5) Talking too much about legal concepts and "law" to prospects and clients who want reassurance over complex explanations. The document provides advice on how to avoid each mistake and better market yourself as a new attorney.
This document lists 25 questions for potential financial clients to ask when selecting an advisor. Some key questions include: How does the advisor help clients implement basic investment strategies like buying low and selling high? How does the advisor help reduce tax liability? What experience does the advisor have helping clients reduce estate taxes? How is the advisor's firm structured and how will the advisor advocate for the client? Has the advisor ever been disciplined for improper conduct? How do the advisor's fees compare to competitors?
This document discusses financing options for new or existing businesses. It provides an entrepreneurial profile questionnaire to help entrepreneurs understand their attributes and match them with potential investors. The 9-question profile addresses topics like the entrepreneur's demographic characteristics, business type and market, amount of funding needed and intended uses, and preferences around debt versus equity. Understanding these details helps entrepreneurs find investors that may have an affinity for their business based on factors like location, industry or funding needs.
The document provides advice for starting a new business and outlines 10 key steps:
1. Develop a business plan to identify financial targets, market research, and funding requirements.
2. Choose experienced accountants and advisors to help make decisions and avoid mistakes.
3. Decide on the appropriate legal entity based on factors like taxes and image.
4. Ensure the business is correctly registered with relevant authorities.
5. Open a separate bank account for business finances to avoid confusion with personal funds.
6. Determine if and when to register for VAT based on expected turnover.
7. Establish accounting practices from the start to monitor business performance.
8. Identify funding
An Introduction to the World of Venture CapitalScott Tominaga
When startups need funding, venture capital is one option they might consider. Getting funding from a VC firm can offer certain advantages to new businesses that may not be able to get approved for traditional loans. Thanks to the rise of crowdfunding, it’s now becoming decidedly more mainstream.
'Secrets' of Successful Joint VenturesDikseshPatel
If you're looking for a successful Joint Venture, think about the value you add, who is in your power team and how you create your value stack and most of all don't be greedy - this is a partnership built around core values
The document provides information about building business credit through a business credit builder program. It discusses establishing a business credit profile separate from personal credit by registering the business with credit bureaus, obtaining initial business credit from vendors, and using that credit responsibly to build a positive business credit history over time. The goal is to access financing and other business resources using business credit rather than personal credit or guarantees.
Role-playing as a method for socially-mediated design exploration and problem solving. Designers play the role of an imagined solution to reveal underlying user needs.
Interaction Design graduate thesis at the University of Kansas
Card game that teaches salespeople how to create stories that sell. Insight Demand
The document describes a role-playing game called InsightDemand that is designed to teach sales and marketing teams how to tell relevant and memorable stories about customers' experiences to inspire action. The game provides 36 possible story scenarios and guides players through a process of selecting a scenario and filling out a template to build out the story details. It suggests the game helps collect tribal knowledge in an engaging story format and offers a free consultation to review and improve users' stories.
This document defines role-plays and simulations, providing details on their implementation in language teaching. Role-plays involve students taking on roles in simulated situations, while simulations are more complex with structured facts. Both aim to improve speaking skills through interaction. The document outlines benefits, challenges, and example activities, and provides guidance for teachers in facilitating role-plays.
A Day in the Life of an Enterprise Architect (Role Play Exercise) 2016Daljit Banger
During Nov 2016 the BCS EA SIG ran a session entitled "Enterprise Architecture Practitioners Day / Hackathon" in London - These are my slides for my sesion at the event.
The document describes several role-playing scenarios that could be used in transgender awareness training for healthcare providers. The scenarios deal with situations such as using public bathrooms that don't match one's gender identity, a job interview where the applicant's gender is ambiguous, a medical emergency room visit where the patient's gender identity is undisclosed to the provider, and an HIV testing appointment where the client must discuss their gender identity and sexual risks. The goal is to help providers experience and address challenges that transgender people face in healthcare settings.
The document describes a role-playing activity where students pretend to be in a restaurant. The goals are to practice conversational English, reinforce understanding of conditional tense, and expose students to different cultures' cuisines. Students are assigned roles as waiters or customers. Real food, menus, and props are used. Sample dialogues show customers ordering and paying for meals from an Irish-themed menu. Dishes like shepherd's pie and baked potato with tuna are prepared beforehand.
Quick view of how to use role play for adult instruction. Please see related animation here: http://goanimate.com/videos/0Ha9Avg9f6Ok?utm_source=linkshare&utm_medium=linkshare&utm_campaign=usercontent
This document contains a disclaimer for information presented about valuing lost profits for a start-up company. It notes that the information is intended for general purposes only and should not be considered legal, accounting, or professional advice. It also states that the authors disclaim any liability for loss or risk resulting from the use of the information provided. The material may not be applicable to all circumstances and readers should consult qualified professionals for their specific needs.
Startups are new businesses that apply innovative solutions. To start a startup, you need an idea, investment, and time. You must understand your target market, develop your product, and build your company culture. Startups often fail due to lack of funding, ineffective management, or better competitors. Successful startups have a strong business model and can position themselves in a growing market. There are various stages of startup funding including bootstrapping, angel investors, venture capital, and IPO.
The document provides tips for startups pitching to investors for funding. It discusses:
- Defining a clear company vision and market opportunity (problems being solved, size of market)
- Establishing an effective company culture from the start to help with hiring and growth
- Getting listed on platforms like AngelList to increase visibility for investors
- Focusing pitches on the central message of risk mitigation for investors and potential returns
- Communicating openly and transparently with investors through body language and addressing any issues upfront like a crisis communication
Future Asia Ventures Corporate Accelerators: A Growing ForceFalguni Desai
A global study on corporate accelerator programs, highlighting regional and sector trends. Sections include advice for entrepreneurs and perspectives from venture capitalists.
Making big money with venture capitalismSwapnilMekale
Making Big Money With Venture Capitalism. Inside this eBook, you will discover the topics about venture capitalist basics, questions to ask when considering venture capital investment, the venture capital boom and the internet bubble, how to make good money the venture capital way, venture capital and its association with job creations and risks of venture capital investment schemes.
What is a business description? A business description provides an overview of what your company does and what makes it unique. It introduces your brand, offering prospective investors and other interested parties an overview of the company's objectives and scope.
Investing is to grow one's money over time. The expectation of a positive return in the form of income or price appreciation with statistical significance is the core premise of investing. The spectrum of assets in which one can invest and earn a return is a very wide one.
1. The document promotes attending town hall forums and meetings to discuss topics related to accessing capital, financial planning, and business leadership.
2. It advertises over 100 job openings and opportunities for career development in fields like marketing, executive coordination, and insurance.
3. Private equity funding is available for startups and businesses with a minimum of two years in business and a credit score over 650, with maximum funding of $3 million.
Venture capital investment involves significant risks as there is no collateral provided and the success depends entirely on the integrity and viability of the business being funded. Some potential risks include investing in a business without proper expertise in its industry, making an ill-advised choice, or unforeseen problems arising with the business that affect its finances. However, venture capital can also generate jobs and opportunities when used to start new companies in promising sectors. Due diligence is important to evaluate opportunities and mitigate risks before committing substantial funds through a venture capital deal.
This document contains study notes for the ICT Monthly Mentorship program in September. It discusses key concepts related to price movement including expansion, retracement, reversal, and consolidation. It also discusses reference points in institutional order flow such as orderblocks, fair value gaps and liquidity voids, liquidity pools and stop runs, and equilibrium. The document provides definitions and importance of these concepts and what to look for in price action, such as orderblocks during expansion and fair value gaps and liquidity voids during retracement.
This form of investment can come in the form of one very wealthy
individual or from a group of wealthy individuals, intent on investing
into a venture that has promising prospects.
Raising Capital for Tech Startups - 5 Keys to Unlocking the Deal You Want. L...Patrick Doherty
This document provides an overview of important considerations for startups raising capital. It discusses mentally preparing for the fundraising process, which takes significantly more time and resources than anticipated. Founders are advised to research all funding options, prepare their team to operate without full involvement during fundraising, and ensure a good cultural fit with potential investors as their choice will impact the business long-term. The document outlines 5 keys to securing funding: knowing important metrics, creating financial projections, providing required documents, telling a compelling story, and highlighting the company's strengths.
This document discusses five common insurance mistakes that business owners make. It is authored by Ted Jenkin, founder and CEO of oXYGen Financial, an independent planning firm. The mistakes covered are: 1) Not having disability insurance, 2) Selecting the wrong health insurance, 3) Not having professional liability insurance, 4) Not having business overhead expense insurance or a continuity plan, and 5) Not properly insuring business vehicles. The document emphasizes the importance of planning for insurance costs in a business and educating oneself on different coverage types.
This newsletter discusses savings and investment planning. It emphasizes the importance of adequate savings to meet long-term financial goals with low risk. It profiles a client, Rajath, who was concerned about retirement. The advisor suggested he invest in a SIP for an "angel kid" which would grow to support his retirement. As of 2020, the "angel kid's" investments of Rs. 14.9 lakhs had grown to Rs. 38.46 lakhs. The newsletter encourages others to create an "angel kid" portfolio through SIP to fund their retirement. It also provides market indicators and answers questions about risk ratings and fixed income mutual fund options.
Financial advisors provide advice relating to investment strategies, mutual funds, bonds, and stocks, and their knowledge is more necessary than ever as Baby Boomers near retirement. Here's how to start your career as a financial advisor. In other words financial planning is the process of assisting the house owners in meeting their goals like child’s education, car purchase, vacation, retirement and so on, by way of appropriate management of the finances.
For more information visit now http://www.financialadvisertips.com
The Case This case was developed by the MIT Sloan School o.docxmehek4
The Case
This case was developed by the MIT Sloan School of Management. It is part of their
“Learning Edge,” a free learning resource. This case was prepared by John Minahan
and Cate Reavis. This case is based on actual events. Actual names are changed; some
of the narrative is fictional.
In early 2012, as he prepared to enter a meeting with the board of trustees of a
state pension fund, Harry Markham, CFA, couldn't help but feel professionally
conflicted.
Since earning his Master of Finance in 2004 at one of the top business schools in
the United States, Markham had worked for Investment Consulting Associates
(ICA), a firm that gave investment advice to pension funds.
Since joining the firm, Markham had grown increasingly concerned over how
public sector pension fund liabilities were being valued. If he valued the liabilities
using the valuation and financial analysis principles he learned in his Master of
Finance and CFA programs, he would get numbers almost twice as high as those
reported by the funds.
This would not be such a problem if he were allowed to make adjustments to the
official numbers, but neither his clients nor his firm was interested in questioning
them. The board did not want to hear that the fund's liabilities were much larger
than the number being captured by the Government Accounting Standards Board
(GASB) rules and his firm wanted to keep the board of trustees happy.
How, Markham wondered, was he supposed to give sound investment advice to
state treasurers and boards of trustees working from financials that he knew were
grossly misleading?
Markham's dilemma came down to conflicting loyalties: loyalty to his firm,
loyalty to the boards of trustees and others who made investment decisions for
public pensions and who, in turn, hired his firm to provide investment expertise,
and loyalty to the pensioners themselves, as Markham believed was called for by
the CFA Code of Ethics and Standards of Professional Conduct.
In his role as investment advisor, the differing views on how to value pension
liabilities challenged Markham on both a practical and an ethical level. "My role
is not to decide the value of liabilities," he explained.
That is the actuary's job. My role is to give investment advice. However, as an
investment advisor, the first thing you want to understand is the client's
circumstances. That is a basic ethical precept. The CFA professional standards
say you should never give advice without knowing what your client's
circumstances are. And so what happens is that we have these funds that are
grossly short of money, but the accounting does not show them as being grossly
short of money. I make the case within my firm that we need to know where we
are starting before we give advice. And perhaps our advice would be different if
the client knew they were starting from a multi-billion-dollar hole that they're
seemingly not aware of.
In addition to the fact ...
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
This document provides tips for writing an effective business plan to obtain funding for a startup. It explains that a good plan clearly demonstrates that there is a profitable market and product/service, outlines how the business will operate efficiently, and shows how expenses, costs and profits will balance out. The tips recommend thoroughly understanding the business and target market, tailoring the plan to the specific audience seeking funding, only requesting necessary funding that can be backed by evidence, and keeping the plan concise by directly answering the most important questions for investors.
The document provides advice and information for entrepreneurs seeking to build an investment-ready business. It discusses key aspects of operating plans, valuation, pitching to investors, and deal structure. Some key points covered include keeping operating plans simple and focused on execution, understanding valuation approaches for early-stage companies, clearly explaining the problem, solution, and business model within the first minute of a pitch, and investors typically seeking preferred stock and an expected return of 15-30% on their investment.
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Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
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There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
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California Teachers Association - Role play slides
1. RESISTING Sales Pressure Don't take anything for granted. Don't be pushed around. Ask the right questions. Don't make rash decisions. Don't be sold – be informed! CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 1
2. Let’s ROLE PLAY CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 2
3. Sales Pitch #1 This investment is guaranteed. Do you really want to take a chance with your retirement money? But don’t I already have a guaranteed retirement benefit through my pension? Don’t guaranteed investments generally have low returns? Aren’t annuity guarantees dependent on the strength of the insurance company? CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 3
4. Sales Pitch #2 Annuities are tax-deferred, which means you won’t pay taxes on the appreciation until you start taking your money out at retirement. But aren’t 403(b) and 457 plans already tax-deferred? Do I receive an additional benefit by putting a tax-deferred investment into a tax-deferred account? CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 4
5. Sales Pitch #3 You’ll want to take advantage of all these extra annuity features. Guaranteed withdrawal benefits. Bonus rates. Death benefit riders. But these cost extra, right? Why do I need a death benefit rider when I already have life insurance? CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 5
6. Sales Pitch #4 Why put money into mutual funds? The stock market had a bad decade. Yes, but historically, over the long term, stocks have outperformed other investments, right?* Don’t mutual funds generally offer some level of diversification, which can help me manage market cycles? * Source: Ibbotson CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 6
7. Sales Pitch #5 All investment have fees, and don’t worry, this product has low fees. Don’t fees have a significant impact on the amount of money I will have in retirement? Please provide a comparison of the fees in this plan with other competitors What income do you receive if I buy this product? CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 7
8. Sales Pitch #6 Several of your colleagues have already decided this is a good investment. Are you saying that I have the same risk tolerance, goals and needs as my colleague? CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 8
9. Sales Pitch #7 You need to decide today. I have some questions for you first, can you please complete pages 16-18 of the CTA consumer guide on advisor fees? CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 9
10. Sales Pitch #8 I’m a licensed insurance agent and I also have my FINRA license. I am very qualified to help you with your 403(b) plan. Can you put your recommendations in writing to me, disclose your compensation and all fees in this plan? Are you acting in a fiduciary capacity? Oh, no, not the fiduciary request! CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 10
11. Where Can I Find a FEE-ONLY Financial Planner? National Association of Personal Financial Advisors at www.napfa.org. Note: Members of NAPFA are required by the organization to sign a fiduciary oath. CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 11
12. SUMMARY and Next Steps for You Check out your broker on FINRA BrokerCheck, www.finra.org/Investors/ToolsCalculators/BrokerCheck Learn how to check out investment advisors at www.sec.gov/investor/brokers.htm Check the SEC’s Investment Adviser Search at www.adviserinfo.sec.gov/(S(41ijtj55w0eqob55jhkhvcag))/IAPD/Content/Search/iapd_Search.aspx Read the CTA consumer guide on fees Revisit your plan with your advisor CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 12
13. Consider a DIRECT INVEST VENDOR Consider using a direct investment option. No sales force – you work with a registered investment advisor over the phone Many companies offer online financial tools, professional management and online advice. The company representative is paid a salary – not on commission or tied to any plan Generally lower fees Financial engines/tools are objective, unbiased modeling tools. Financial Engines at www.financialengines.com – a personalized, objective retirement plan developed by a Nobel-prize winning economist Ask: Did your “advisor” use a financial model to recommend your investment options? Web site not affiliated with CTA and is provided for information only. No endorsement is implied. CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 13
14. About to Retire? Don’t be a TARGET! Financial services companies targeting baby boomers’ assets Increased marketing for IRA rollovers from retirement plans Television, print ads, etc. Direct mail “Free” educational seminars Bombarding marketplace with “innovative” (new) options CTAinvest.org CTA Risk Management & Business Initiatives & Development Department 14
As a busy educator, you may not have a lot of time to investigate all of the investment options available in your 403(b) or 457 plan. A predatory agent may take advantage of that. Here are a few things to be aware of and how to resist.
Well, you should consider that, as a California educator, you already have a guaranteed retirement income – your CalSTRS or CalPERS pension, which is essentially an annuity – a guarantee of income for life. So, if you want to increase your retirement income, you may want to consider investing at least a part of your 403(b) or 457 money in stocks, which have historically provided the greatest potential for return over time, although past performance is not a guarantee of future results Also keep in mind:A guaranteed annuity is only as good as the strength and stability of the insurance company that issues the annuity. Annuities are not guaranteed or insured by the federal government . The state insurance agency may offer a guarantee program for failed insurance companies, but only up to certain limits.A fixed annuity may offer a guarantee, but generally the amount your annuity can earn is quite low – usually lower than the prevailing rate of inflation. That means even if you don’t lose any principal, after 20 years your investment could be worth less than the amount invested.A variable annuity’s return is not guaranteed – it is based on the performance of the underlying investments.
In many cases, tax deferral is a good thing, because it means you’ll pay taxes later rather than now. But take a step back – your 403(b) or 457 plan is already tax-deferred. No matter what contributions you make or what investments you choose, you won’t pay taxes on the money until you start taking it out. So you aren’t getting any more tax benefit by putting a tax-deferred investment into a tax-deferred retirement plan – and you’ll probably pay more fees for the privilege of getting no extra benefit.
If you do decide to invest in an annuity after exploring all of the fees, the surrender fees and the potential return, then your agent may try to sell you on some bonus features. These may include things like a bonus rate, extra mortality coverage, a guarantee on your variable annuity, etc. These are almost always a bad idea. Here’s why:Bonus rate – you may pay extra for this, and it will probably increase the length of surrender fees.Guaranteed withdrawal benefit – this could cost you as much as an extra 1% per year.Death benefit riders – cost you more. Why not purchase an inexpensive term life insurance policy instead?
Yes, the stock market did have a challenging decade, there’s no doubt about that. However, historically, over time, stocks have outperformed other types of investments. Think about it this way – you already have a guaranteed pension benefit. Why not try to optimize your voluntary savings as much as you can? By choosing an appropriate asset allocation – that is the split among stocks, bonds and cash – you may help manage the risk in your portfolio but still pursue growth.
Yes, your agent is correct. There is no free lunch in the investment world.
And your response to this should be … so? What works for your co-worker is not necessarily what works for you. Remember the brother-in-law analogy. Not all of your colleagues have the same financial goals you do, the same risk tolerance, nor will they necessarily retire in the same number of years.
The ultimate pressure – if you don't act now, you'll miss out. No, you won’t. Whatever you do, don’t succumb to sales pressure. If a person is pressuring you to buy something, that should always be a red flag. If it is a good investment, appropriate for your goals and timeline and risk tolerance, it will still be a good investment tomorrow or a week from today – and you will have time to think it over, read the paperwork that should be offered and decide whether it makes sense for you.Resisting sales pressure isn’t always easy, especially if the person projects an aura of authority or starts making you feel foolish for not seeing the “tremendous benefits of this investment.”
Don't work with someone who refuses to take the time to explain all your options and/or who makes you feel uncomfortable. A good advisor wants you to know what you are buying. The National Association of Personal Financial Advisors lists fee-only financial planners.Second, if you feel uncomfortable asking the right questions, take advantage of the CTA-developed booklet “Selecting a Financial Advisor & Understanding Plan Fees,” available at CTAinvest.org. There are sheets in the back with lists of questions, and you can ask the advisor to fill out the information about the different investments he or she is recommending.So … don’t be sold! Be informed.
Of course, if you feel confident and comfortable selecting from the investment options available in your plan, you can certainly choose your own. Here are some resources that can help you.Note that resources on the web, such as Financial Engines, provide unbiased advice based on the information you provide – they are not selling anything. A financial engine would not recommend a fixed annuity unless you’re a very conservative investor just a few years away from retirement. And even then, it might recommend a fixed annuity for just a portion of your money, because when you put all your money in one basket, you’re not adequately diversified. Financial engines and other resources on the web have no reason to recommend an investment based on anything other than what’s best for you.
Here’s one more thing to think about when you are ready to retire. You suddenly become a very attractive target for financial institutions that want to invest your retirement plan money for you (and reap large fees in the bargain). So keep in mind, if you start receiving solicitations from banks, credit unions, brokerage houses, insurance companies or others who want you to invest your retirement plan distribution with them, the same cautions apply as when you are accumulating your money.