FINC600 Week 1 Practice Quiz/FINC 600
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FINC600 Week 1 Practice Quiz/FINC 600
Click Link Below To Buy:
https://hwaid.com/shop/finc600-week-1-practice-quizfinc-600/
Contact Us:
hwaidservices@gmail.com
Investing to solve the racial wealth gap. Venture philanthropy to solve the friends and family gap for entrepreneurs who don't have a rich uncle. Equity to give them runway to be able to access loan funds.
passive income ideas top ways to build up your wealthrajib sarkar
Passive income is revenue derived from a lease house, restricted alliance or other organization where a person is not actively included. Just like energetic earnings, passive income is normally taxable. Nevertheless, it is usually treated differently with the Inner Revenue Services (IRS)
Go from Investing Basics to Beyond with this presentation from PeerFinance101. You'll get great tips on how assess your own needs for return and your investment risk tolerance. You'll also find how to make a simple investing strategy that will beat the markets and help you meet your financial goals.
Check out PeerFinance101 for more tips on investing, saving money and making extra money. You can read personal finance examples from others or share your own so we all learn together.
http://peerfinance101.com/good-debt-bad-debt/
21st Century Strategies for Financial InclusionJon Gosier
The wealth of black american households was decimated in 2008. This white paper outlines a strategy on how to structure new instruments for investment for black americans and other minority communities.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
Investing to solve the racial wealth gap. Venture philanthropy to solve the friends and family gap for entrepreneurs who don't have a rich uncle. Equity to give them runway to be able to access loan funds.
passive income ideas top ways to build up your wealthrajib sarkar
Passive income is revenue derived from a lease house, restricted alliance or other organization where a person is not actively included. Just like energetic earnings, passive income is normally taxable. Nevertheless, it is usually treated differently with the Inner Revenue Services (IRS)
Go from Investing Basics to Beyond with this presentation from PeerFinance101. You'll get great tips on how assess your own needs for return and your investment risk tolerance. You'll also find how to make a simple investing strategy that will beat the markets and help you meet your financial goals.
Check out PeerFinance101 for more tips on investing, saving money and making extra money. You can read personal finance examples from others or share your own so we all learn together.
http://peerfinance101.com/good-debt-bad-debt/
21st Century Strategies for Financial InclusionJon Gosier
The wealth of black american households was decimated in 2008. This white paper outlines a strategy on how to structure new instruments for investment for black americans and other minority communities.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
A fund investing donations from church members to solve the friends and family gap for small Black owned business owners who don't have a rich uncle, to give them the runway to grow to become eligible for loan funds
mosaic approach to landscape management. #biodiversity Runway Project
the mosaic approach to landscape management is an evolutionary step up from a species approach; you design the places important species can thrive. It's being done well in England.
MUTUAL FUNDS (ICICI Prudential Mutual Fund) BY JAMES RODRIGUESWilliamRodrigues148
Mutual funds are investment vehicles that pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. They are managed by professional portfolio managers or investment companies who make investment decisions on behalf of the fund's investors.
2. Problem: minority biz funding gap
G L O B A L P A N D E M I C
50% of black &brown businesses atrisk during Covid,nationally.)
I n t h e a b s e n c e o f t h e o p p o r t u n i t y f o r
f i n an c i a l s u p p o r t f r om “ f a mi l y a n d f r i e n d s ”
O n a v e r a g e A f r i c a n A m e r i c a n f a m i l i e s h a v e
$ 1 1 k i n n e t w o r t h , w h i l e w h i t e f a m i l i e s
h a v e $ 1 4 1 , 9 0 0 . T h e r e f o r e B l a c k a n d B r o w n
e n t r e p r e n e u r s c a n ’ t a s k a r i c h r e l a t i v e f o r
t h e $ 1 5 , 0 0 0 t o $ 3 0 , 0 0 0 n e e d e d t o g e t t h e i r
b u s i n e s s t o p o s t C O V I D v i a b i l i t y.
N o t a t i m e f o r d e b t
If you don’t know when your customers arecoming back, taking on debt is irresponsible.
Manyblack/brown businesses can’t get loans orwouldnot be abletopay it back
3. The Solution
T h e C o m m u n i t y E q u i t y F u n d -
Philanthropic “friends andfamily”,donor-investors inject equity, not debt, paidoff through
revenue shared, starting at month 25, the Fund will recapture 100% ofthe donated capital
plus 50% over a 60 month period. At this point you havethe opportunity tocontinue with
yourlegacy orreceive a reward.
R a c i a l W e a l t h G a p C l o s e s
The wealth gapbetween non European families andEuropean American families shrinks
from 12 times to3 times for African Americans whoown abusiness and creating
intergenerational wealth in a time when European American people have realized the reality
of systemic racism
D o n o r - I n v e s t or
Using the pooled income model, donors areactually investors, whohave the option to
receive: a.) an immediate taxdeduction b.) capital gains forgiveness or c.) a lifetime stream
ofincome from investing in the survivalof local small businesses.
4. Case Study
Bread &Butter - Coffee and Co-working Space
Bread& Butter, led by two African American males with business experience the
business has $100k in annual revenues
Comparables value the business @ $150,000
Community Equity Fund, provides an injection of $30,000 in equity capital for
20%ownership stake in the business for the life of the transaction, approximately
84 mos.
Inaugural Injection
5. Life Span – Flow of Injection
After the grace period, 24 mos. Bread & Butter’s (B& B) revenuesgrows toa minimum of
$200,000
Starting in month 25, B & Bbegins repayment to the fund, dividendshares,7% of annual
gross revenue,payable monthly or quarterly typically a period of 3/5 years
At full repayment the Fund receives 150% return on capital invested
6. $30, 000 – to Community Equity Fund – 100%
$3,000 - Management Fee – 10%
$12, 000 - Donor-Investors Income Pool – 40%
$45,000 = 150%
Allocation of Dividend
7. Replication Across the Fund
The fund continues to get 100% of the return
from the revenue dividends shares from each
equity injection. 100% of thatreturn is
invested again
What the fund gets
8. Replication Acrossthe Fund contd.
40% of the revenue share dividends flow to the pool which
pays lifetime income to donors
Yourdonationcontinuestocyclethrough yourcommunity
9. The goal is to provide equity capitalto help Black& Brown
businesses who often lackaccess to capitalbecome viable.
The fund will secure a $150,000 loan guarantee, to cover
potential failures rates of 15%.
10. After friends and family funding
• B & B and other Black and Brown owned businesses are on their feet, havingused the 24
months of runwayoffered by equity before they had to start payingseven percent of annual
revenueto theirdonors. Theyhavepaid off people who took a chanceon them giving them
equity, with nocollateral attached.
• More established, B & B and theother businesses in thefund portfolio are perhaps able to
access expansion capital from MountainBiz Works,Self Help, or even a traditional bank
• TheCommunityEquity Fund acts likea virtual rich uncleproviding friends andfamily capital to entrepreneurswho
can’t access traditional sources of capital. It is a keymissing link inthe path creating intergenerational wealth for black
and brown families. We plan to makethis model replicable to other cities and towns to solve the friends and family
gap for entrepreneurwho don’t havea richuncle.