Discusses investment issues BEFORE investing: difference between a financial planner and an investment adviser, the investment objective, diversification and impact of fees.
Open Business Council offers resources, Trade Finance, business advice, SME Finance and a forum and directory for businesses!
http://www.openbusinesscouncil.org/
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
There are many sources of financing available to a business owner. David Lerner Associates offers this list of loan sources - it should provide some ideas.
MSME Summit - MSMEs Issues and Challenges(Finance related) - Part - 11Resurgent India
MSME Summit - MSMEs Issues and Challenges(Finance related) - Part - 11
MSMEs face several challenges in the fields of technology, finance, operations, and marketing.
Open Business Council offers resources, Trade Finance, business advice, SME Finance and a forum and directory for businesses!
http://www.openbusinesscouncil.org/
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
There are many sources of financing available to a business owner. David Lerner Associates offers this list of loan sources - it should provide some ideas.
MSME Summit - MSMEs Issues and Challenges(Finance related) - Part - 11Resurgent India
MSME Summit - MSMEs Issues and Challenges(Finance related) - Part - 11
MSMEs face several challenges in the fields of technology, finance, operations, and marketing.
Ambitious entrepreneurs need stimulating ecosystems. Dutch partners in regional economics (Ministry of Economic Affairs, Economic Board Utrecht, Utrecht University) now explore the Dutch entrepreneurial ecosystem. In that system venture capital of course is vital for ambitious entrepreneurs. Don Ginsel (Capital Waters) explains the Dutch situation.
Michael Bischof, President of Biltmore Financial Bancorp, Inc. located in South Barrington, Illinois, shares with financial advisors and clients a unique and innovative approach to proper integrative mortgage planning techniques.
What's it like to work with The Independent Financial Group? Founding Principal Jim Lorenzen talks about how IFG may be different from other wealth management advisory firms.
Venture Financings 101 (SAFEs, Convertible Notes, Seed and Series A) | Bardia...UCICove
An introductory crash course on the typical legal and business terms involved with, and negotiated in, venture capital fundraising including SAFE, Convertible Note, Series Seed and Series A financings.
Ambitious entrepreneurs need stimulating ecosystems. Dutch partners in regional economics (Ministry of Economic Affairs, Economic Board Utrecht, Utrecht University) now explore the Dutch entrepreneurial ecosystem. In that system venture capital of course is vital for ambitious entrepreneurs. Don Ginsel (Capital Waters) explains the Dutch situation.
Michael Bischof, President of Biltmore Financial Bancorp, Inc. located in South Barrington, Illinois, shares with financial advisors and clients a unique and innovative approach to proper integrative mortgage planning techniques.
What's it like to work with The Independent Financial Group? Founding Principal Jim Lorenzen talks about how IFG may be different from other wealth management advisory firms.
Venture Financings 101 (SAFEs, Convertible Notes, Seed and Series A) | Bardia...UCICove
An introductory crash course on the typical legal and business terms involved with, and negotiated in, venture capital fundraising including SAFE, Convertible Note, Series Seed and Series A financings.
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.
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.
WeInvest offers a digital wealth platform to Financial Institutions in Asia and Middle East, for making investment related decisions simpler, smarter and cheaper for the retail investor.
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.
Financial Markets, the US Security and Exchange Commission, and the Academy o...NAFCareerAcads
The SEC oversees the US financial markets, protects investors, and facilitates capital formation. Participants will get tips on how to teach students to save and invest wisely and hear how local programs can work with the SEC.
Raising Capital: Negotiating with Potential Investors (Series: The Start-Up/S...Financial Poise
Every business needs capital (cash) to fund its activities. But not all capital is created equal. At the most macro level, a business can raise cash by selling equity or by borrowing (and these alternatives are not by any means mutually exclusive).
This webinar explains the different types of capital available to fund a startup; how to identify potential funding sources; how to evaluate competing funding proposals; and how (and when) to negotiate financing terms. In addition, this webinar will address the kinds of investors for entrepreneurs to consider for their start-ups.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/raising-capital-negotiating-with-potential-investors-2021/
Crowdfunding from the Investor's Perspective (Series: Crowdfunding 2020) Financial Poise
This webinar focuses on the opportunities that crowdfunding makes available to the investor, and how the investor should go about navigating this new world. We begin with a basic overview of the new regulatory regime, the requirements to invest, and the on-boarding process one should expect. We then dive deeper into the market opportunity, including how to access and select investments, and expectations investors should set for themselves and the projects they select. This is not intended to support any specific deal selection, but instead sheds a light upon the basic selection criteria available, the method to go about investing and what to avoid.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
2. Concerns
• #1 fear of investors: Outliving their money.
• Only 1 in 25 Americans are financially independent in
retirement.
• A financial literacy survey reveals that 45 percent of adults
gave themselves grades C, D or F regarding their personal
financial knowledge.
• Excessive fees charged investors total $17 billion annually.
• The government gives investors a false sense of security.
• Individual investors are on their own. CYA
3. Divergence of Opinions
• In the case above, the Human Resources department feels the participants are
responsible for avoiding excessive fees.
• However, lawsuits involving excessive fees in deferred compensation plans have
been filed against sponsors (employers), not the participants (Google “Adidas
America lawsuit”).
• Employers have had to pay millions of dollars in judgments.
4. Why Save?
In the current investment environment, money in a bank or credit
union savings account loses value in a year in real terms.
6. Government Protection?
• New actively-managed equity ETFs won’t have to divulge actual holdings on a daily
basis like most ETFs do. Most ETFs are passively run like index funds.
• Most mutual funds disclose holding within 60 days on a quarterly basis.
• The SEC commissioners voting for non-transparency were concerned that, in
times of stress, “ordinary investors won’t be able to get a fair price for their
shares in the fund.”
• The commissioners “wonder” if additional disclosure of risks and enhanced
board oversight will be needed.
7. SEC’s Best Interest (BI) Rule Flimsy
• Under BI, a lady’s new retail brokerage account form consisted of 40 pages.
• Her profile, buried in the paperwork, indicated she had a six-figure income,
extensive investment experience, an aggressive investment strategy, and
high tolerance for risk. According to the Public Investors Arbitration Bar
Association (PIABA), her profile was untrue.
• “Best Interest” is not defined in the 400+ pages of the regulation.
• While Reg. BI requires disclosure of conflicts of interest, it does not
eliminate them. “Mitigate,” or lessen, is used many times in the regulation.
8. Financial Illiteracy Can Be Costly
The man’s wife died. He revised
his beneficiary form incorrectly
for his kids, invalidating the new
one.
He re-marries, then dies.
The new wife gets the money, not
his kids.
Beneficiary forms outrank wills
98% of the time. Keep beneficiary
forms with banks accounts,
mutual funds, retirement
accounts, life Insurance policies,
CDs and brokerage firms current
and accurate.
Question: Why didn’t the financial institution
inform the man the new form was invalid?
9. Financial Literacy Helps
• Wharton study:
– The financially literate generate 13% better annual returns
than financial novices.
– Over a 30-year period, their retirement portfolios are 25%
larger than those lacking financial knowledge.
• Reasons for the better performance by financially
savvy investors:
– They find the same service at lower fees.
– They own more stocks in their portfolio that generate
better returns.
– They can avoid scams better.
10. Avoid Financial Illiteracy
Get educated. Basic investment knowledge from
these sources:
– SEC regulates investment advisers and corporations:
www.investor.gov.
• Check out investment advisers:
https://adviserinfo.sec.gov/IAPD/Default.aspx.
• See holdings of mutual funds:
www.sec.gov/edgar/searchedgar/mutualsearch.htm
– FINRA regulates brokers: www.finra.org
• Check out brokers: https://brokercheck.finra.org.
– State regulators: www.nasaa.org/investor-education.
11. Avoid Financial Illiteracy (cont.)
• Review your credit reports annually:
– 1 in 5 credit reports have errors.
– Request them via www.AnnualCreditReport.com.
• There are four credit agencies:
– Equifax (equifax.com)
– Experian (experian.com)
– Transunion (transunion.com)
– The National Consumer Telecom and Utilities Exchange,
which provides credit information to cellphone, pay TV and
utility companies (nctue.com).
12. The Investment Objective
• The seven factors of an investment objective:
– Time horizon
– Return
– Risk
– Liquidity
– Tax issues
– Legal issues
– Personal constraints
• At least one question in the Chartered Financial
Analyst (CFA) exams requires an investment
objective be made for a prospective client.
13. Participants in the Financial Planning Field
You
Accountant
(CPA)
Enrolled
Agent (EA) Real Estate
Agent
Lawyer
Bank/Credit
Union
Insurance
Agent
Custodian
Mutual
Funds/
ETFs
Robo-
Advisors
Investment
Adviser
(RIA, CFA)
Financial
Planner
(CFP)
Broker/
Discount
Broker
FiduciarySuitability
Reg. BI
14. Financial Planner
• A financial planner will help you make your investment objective if
you cannot do it yourself
• Gathers facts on client's financial status.
– Bring no shoebox of receipts and unopened envelopes!
– Save some money by doing your income statement and balance sheet
before seeing them.
• The financial planner analyzes the data and develops the
investment objective for you.
• STOP! Implementing the investment objective with the financial
planner may be dangerous.
– The investment objective may have biases and conflicts of interest on
behalf of the planner, but all you will lose is the fee to make it.
– The real losses come from implementing it with the financial planner.
• Go to an investment adviser to implement it.
15. Investment Advisers (I.A.)
• Other names: Investment counselor, investment manager, portfolio
manager, money manager.
• Suitability: For investors lacking the time, patience, understanding, or
resources to invest on their own.
• Background: Usually has an MBA and years of experience. They may be a
Registered Investment Adviser (RIA) and a Chartered Financial Analyst
(CFA).
• Advantages:
– Focuses on investments, not taxes, legal issues or insurance products.
– Provides custom service: They invest according to the client’s investment
objective.
– Investment objective is similar to client’s: make the account grow in value.
– Has access to more timely and comprehensive information than stockbrokers
or their clients.
– Far more accessible to the client than a portfolio manager at a mutual fund.
16. Investment Advisers (cont.)
• Disadvantages:
– Minimum account size generally must be at least $100,000. The larger
the portfolio, the lower the rate.
– Like a mutual fund, they have full discretion on the account to act in a
timely manner.
• Myth: They are expensive.
• Fact: They are reasonably priced.
– The commissions selling a house could pay for at least three years of
investment advisory service.
– A house sale is a one-time event while the IA manages the client’s
portfolio 365 days a year.
– A bank trust department will charge similarly for less customized
service. A bank trust representative will be in charge of about 500
clients and may be a newly-minted MBA. Like a brokerage firm, the
bank trust department can only invest in securities recommended by
that bank’s research department.
17. Mutual Fund Performance
Source: Morningstar
• No matter their
investment style,
the vast majority
of actively managed
mutual funds
underperform their
benchmarks.
• A major reason why
index funds are so
popular.
18. Diversification Reduces Risk
Source: Meir Statman, “How Many Stocks Make a Diversified Portfolio?”,
Journal of Financial and Quantitative Analysis, Sept. 22, 1987.
Non-systematic Risk
Systematic (Market) Risk
• One can have an adequately diversified portfolio with as few as 15 – 20 stocks.
• This has been known for decades. Why haven’t investors been informed?
• The average mutual fund is over-diversified, containing 191 securities (yellow bar).
19. Compound Interest
37% 30%
15%
• Contributions are only half of a portfolio after a little more than 17 years.
• Save early and let your money work for you over time!
50%
21. Time Value of Money Formulae
Simple Interest: Principal x Rate x Time
Future Value:
Single Amount FV = PV(1 + i)n
Annuity
Present Value
Single Amount
i
iPMT n
1)1(
n
n
iFVPV
i
FV
PV
)1(
)1(
i
i
PMT
n
)1(
1
1
With record low interest rates we have now, this is precisely not the time to buy annuities.
Annuity
If interest rates double
from 2% to 4%, the
present value of an
annuity declines by 17%.
If interest rates
double from 2% to
4%, the future value
of an annuity
declines by 24%.
Editor's Notes
Read more at http://www.kiplinger.com/slideshow/investing/T052-S003-10-reasons-millennials-need-to-own-stocks/index.html#cYEOl0UJH9LlrT54.99; http://www.kiplinger.com/slideshow/investing/T052-S003-10-reasons-millennials-need-to-own-stocks/index.html?rid=SYN-yahoo&rpageid=13579; viewed 6/4/15; “New assessment has CalSTRS’ benefits only 63.7% funded,” Adam Ashton, Sacramento Bee, 3/31/17; https://www.yahoo.com/finance/news/no-1-reason-people-don-121500257.html, viewed 9/30/18; https://www.marketwatch.com/story/forget-the-social-security-increase-this-is-why-seniors-are-in-trouble-2018-10-16?siteid=yhoof2&yptr=yahoo, viewed 10/17/18;