Roots to Finance - David Milham
•Download as PPT, PDF•
1 like•349 views
Better Breakfast Networking - October 27th - Priestfield Conference Centre Roots to Finance, by David Milham - ASC Finance for Business. SME’s are struggling with finding any source of finance and it doesn’t look to be getting easier. David Milham demystifies what’s happening and offers some options that are still alive and shed some light on the future.
Report
Share
Report
Share
![[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
Recommended
Fast Company 2 intro seminar 8 Dec 2010
This document provides an agenda and overview for the Fast Company 2 Introduction Seminar. The agenda includes presentations on debt and equity funding as well as an overview of the Fast Company 2 program. The seminar will explain different sources of funding such as bank loans, venture capital, and business angels. It will also cover the key differences between debt and equity funding. The goal is to help business owners prepare for growth financing and expand their networks to find potential lenders and investors.
Chapter 7 Powerpoint 97
This chapter discusses obtaining financing for a new business. It identifies the different types of start-up and continuing costs that should be estimated. There are two main types of funds - equity provided by owners and debt borrowed from lenders. Short-term loans are used to finance current assets while long-term loans are used for fixed assets. The chapter provides tips for requesting loans from banks and other lenders and common questions that will be asked.
Starting a small business
This document provides an overview of financing options, the role of accountants, components of an effective business plan, and financial documents needed for a business loan. It discusses sources of financing like commercial lenders, government programs, and secondary markets. It also outlines the accountant's knowledge of financing sources and tax implications, and components of a business plan like purpose, description, management, products, and financial projections. Finally, it lists financial documents required for a loan like tax returns and financial statements, and considerations for loan structuring like repayment terms and debt amortization.
Business finance options seminar
02 Mar 10 - Business finance options seminar - the choices simplified
A seminar looking at the building blocks of business finance and helping to unravel the jargon.
Speaker: Mike Stutter
Business finance options seminar - DORSET
The document discusses various options for business finance including debt, equity, and government funding schemes. It outlines the main differences between debt and equity, and notes that financing should be driven by business strategy rather than the other way around. Specific financing options covered include bank loans and overdrafts, asset finance, factoring, the Enterprise Finance Guarantee, and regional funding schemes. Requirements for obtaining debt financing like financial viability, security, and track record are also summarized. The document concludes that successful fundraising depends on having a clear business strategy, well-prepared business plan and forecasts, and negotiating terms.
Business
This document discusses various business finance options including debt, equity, and government funding schemes. It outlines the main differences between debt and equity, and notes that financing should be driven by business strategy rather than the other way around. Specific funding sources covered include bank loans, asset finance, factoring, the Enterprise Finance Guarantee, regional schemes, grants, venture capital, private equity, and business angels. Key considerations for funders seeking equity include exit strategy, valuation, and expected returns. The document stresses the importance of a well-defined business plan and forecasts for successful fundraising.
Cresthill Capital - Business-Friendly Funding
Traditional financial institutions don’t lend easily which is why a financial business that is willing to offer all the financial support to help build a business is important. In order to maintain the business and expand as well as capitalize on any opportunities that will help to gain good profit, steady cash flow is necessary.
Raising Capital Insights, Peoria AZ Business Summit
This document provides an overview of raising capital and the lending process for small businesses. It discusses various sources of capital, including commercial banks, micro lenders, SBA programs, and CDFIs. It outlines the key criteria lenders evaluate like credit history, repayment ability, collateral, management experience, and owner capital. Common lending options for new and mature businesses are presented. The document reviews preparing a loan request, ongoing lender reviews, reporting requirements, and important reminders. It concludes with a lending panel discussing their specialties and addressing common questions.
Recommended
Fast Company 2 intro seminar 8 Dec 2010
This document provides an agenda and overview for the Fast Company 2 Introduction Seminar. The agenda includes presentations on debt and equity funding as well as an overview of the Fast Company 2 program. The seminar will explain different sources of funding such as bank loans, venture capital, and business angels. It will also cover the key differences between debt and equity funding. The goal is to help business owners prepare for growth financing and expand their networks to find potential lenders and investors.
Chapter 7 Powerpoint 97
This chapter discusses obtaining financing for a new business. It identifies the different types of start-up and continuing costs that should be estimated. There are two main types of funds - equity provided by owners and debt borrowed from lenders. Short-term loans are used to finance current assets while long-term loans are used for fixed assets. The chapter provides tips for requesting loans from banks and other lenders and common questions that will be asked.
Starting a small business
This document provides an overview of financing options, the role of accountants, components of an effective business plan, and financial documents needed for a business loan. It discusses sources of financing like commercial lenders, government programs, and secondary markets. It also outlines the accountant's knowledge of financing sources and tax implications, and components of a business plan like purpose, description, management, products, and financial projections. Finally, it lists financial documents required for a loan like tax returns and financial statements, and considerations for loan structuring like repayment terms and debt amortization.
Business finance options seminar
02 Mar 10 - Business finance options seminar - the choices simplified
A seminar looking at the building blocks of business finance and helping to unravel the jargon.
Speaker: Mike Stutter
Business finance options seminar - DORSET
The document discusses various options for business finance including debt, equity, and government funding schemes. It outlines the main differences between debt and equity, and notes that financing should be driven by business strategy rather than the other way around. Specific financing options covered include bank loans and overdrafts, asset finance, factoring, the Enterprise Finance Guarantee, and regional funding schemes. Requirements for obtaining debt financing like financial viability, security, and track record are also summarized. The document concludes that successful fundraising depends on having a clear business strategy, well-prepared business plan and forecasts, and negotiating terms.
Business
This document discusses various business finance options including debt, equity, and government funding schemes. It outlines the main differences between debt and equity, and notes that financing should be driven by business strategy rather than the other way around. Specific funding sources covered include bank loans, asset finance, factoring, the Enterprise Finance Guarantee, regional schemes, grants, venture capital, private equity, and business angels. Key considerations for funders seeking equity include exit strategy, valuation, and expected returns. The document stresses the importance of a well-defined business plan and forecasts for successful fundraising.
Cresthill Capital - Business-Friendly Funding
Traditional financial institutions don’t lend easily which is why a financial business that is willing to offer all the financial support to help build a business is important. In order to maintain the business and expand as well as capitalize on any opportunities that will help to gain good profit, steady cash flow is necessary.
Raising Capital Insights, Peoria AZ Business Summit
This document provides an overview of raising capital and the lending process for small businesses. It discusses various sources of capital, including commercial banks, micro lenders, SBA programs, and CDFIs. It outlines the key criteria lenders evaluate like credit history, repayment ability, collateral, management experience, and owner capital. Common lending options for new and mature businesses are presented. The document reviews preparing a loan request, ongoing lender reviews, reporting requirements, and important reminders. It concludes with a lending panel discussing their specialties and addressing common questions.
Raising capital for your business
This document discusses raising capital for a business. It defines capital as the financial assets required to fund business operations. The main sources of capital are equity, where an investor has ownership, and debt, where a lender does not have ownership. When raising capital, options include friends and family, supplier credit, loans from financial institutions, sector funds, crowdfunding, angel investors, bonds, venture capital, and private equity. The appropriate funding corresponds to the business stage - from early to growth, maturity, and decline. The document also lists various Africa-focused venture capital funds and development financial institutions in Nigeria that can provide capital.
Liquid capital bruce dawson
This document provides information for business owners on funding startups and growing businesses. It discusses that startups are harder, take longer, and cost more than anticipated. The best approach to funding combines several options like trade credit, private equity, loans, and lines of credit to create a financing portfolio. Private equity requires an experienced management team, valuable product, access to markets, a realistic plan, and execution experience. Alternative funding options like asset-based lending can unlock value from a company's assets like accounts receivable and inventory to provide cash flow. Factoring receivables and purchase order financing are presented as "just in time" funding options.
M5 L2 Financing Sources
There are two main types of financing sources for small businesses: equity sources and debt sources. Equity sources include personal savings, friends and relatives, private investors, and venture capitalists, and do not require repayment but provide ownership stakes. Debt sources include banks, finance companies, credit unions, and government agencies, and must be repaid with interest but allow businesses to maintain ownership. Government programs like the SBA, EDA, and HUD provide loan guarantees and funding to help small businesses and support economic development.
Entrepreneur Express, Jonah Fogel 09
The document provides information on financial considerations and resources for small businesses. It discusses elements of a business plan including financial plans, questions to consider around funding needs, sources of capital, types of loans, and tips for working with banks. It also lists several state and federal resources that small businesses can utilize for funding, financing assistance, and industry benchmarks.
Accessing capital
This document discusses various sources of financing for businesses, including personal savings, bank loans, equity financing, and other options. It outlines the steps to determine startup costs, anticipated revenue, and personal creditworthiness. Debt financing from banks and credit unions is described as typically requiring good credit history and being best for established businesses. Equity financing involves giving ownership in exchange for funds and is more common for startups, as it does not require debt repayment but dilutes ownership. The document advises reviewing one's personal credit profile and having owner equity of at least 10% when seeking loans. Other tips include ensuring diverse revenue sources and protecting the business with insurance.
Paraklete
Paraklete Financial is an independent registered investment advisor (RIA) and financial planner that offers comprehensive financial planning services for both businesses and individuals. It takes a fee-only approach, charging either hourly fees or a flat minimum fee of $6,000 paid quarterly for its services. Paraklete's financial planning process involves creating a unique plan for each client with a one year engagement and quarterly reviews. The firm's investment strategies utilize modern portfolio theory and investment policy statements. Most clients recover Paraklete's fees in their first year through tax savings and expense reductions from implementing the financial plan.
How Business Can Access Capital
This document discusses various options for financing a business, including debt and equity financing. It addresses four key questions about financing needs and uses: how much is needed, what the funds will be used for, where to find the funds, and how they will be paid back. Debt financing involves taking a loan that must be repaid with interest, while equity financing involves raising money in exchange for ownership. Common sources of financing mentioned include bank loans, SBA loans, private investors, and crowdfunding. The business plan is identified as an important tool for communicating financing needs and managing the business.
After PPP - Factoring to meet ongoing working capital needs
Many of your small business clients may have obtained Payroll Protection Program (PPP) loans to meet their working capital needs.
While that cash infusion likely filled a short-term funding gap, the need for additional working capital remains a priority for most businesses.
Your B2B/B2G clients could satisfy their on-going capital needs by factoring their accounts receivable with Versant Funding.
We do not underwrite our clients' businesses, but focus strictly on the quality of their AR. As a result, a business which is struggling during the pandemic, but has a strong customer base, is an excellent fit for our program.
We specialize in difficult deals :
• Start-ups
• Highly Leveraged
• Negative Net Worth
• Historic and/or Projected Losses
• Customer Concentrations (up to 100%)
• Weak Credit Scores/Character Issues
• Debtors-in-Possession
Contact me today to learn if your client is a fit.
So You Think You Need A Business Loan?
As a Business Owner, you realize that you need funding to Start, Run or Grow your Business! What steps should you take to prepare in order for you to receive the best terms?
Financing Government Contracts
This document discusses non-bank financing options for government contracts, including purchase order financing, asset-based loans (ABL), and factoring. Purchase order financing requires a purchase order and accounts receivable financing, with rates from 18-36% annually. ABLs are based on asset values and typically underwrite at liquidation values. Accounts receivable are the preferred ABL collateral. Factoring involves purchasing invoices with recourse, and can finance companies that banks cannot, but has higher rates. The document provides details on each option's requirements, advantages, limitations, and underwriting considerations.
Mergers and Acquisitions: Preparing for Change
The document discusses avoiding mistakes during transactions by providing lessons learned from experience. It summarizes an event presented by Bryan Livingston and Paul Puri of M&A International, the world's leading mid-cap investment banking organization. The document provides information on transaction planning, potential buyer motivations, types of transactions, and examples of enhancing transaction prices.
ABCs of Equity Financing
This document summarizes equity financing options for businesses. It discusses that equity financing involves selling stock, membership, or partnership interests in exchange for cash or property. The benefits are that there is no fixed repayment date, funds can be used flexibly, and no assets are tied up as collateral. However, the costs are dilution of ownership and control, as well as having to consider minority owner interests. Equity financing may be better for growth businesses, those with few assets for loans, or those with inconsistent revenues for debt payments.
Spectrum Financial Services: Things You Should Know About Us and FAQ
Spectrum is an independent financial planning firm owned by Bill Elson, CFP® that provides fee-based financial planning and investment advisory services through VSR Financial Services, Inc. In addition to investments, Spectrum counsels clients on retirement planning, estate planning, tax planning, education funding, and risk management while taking a planning-focused rather than transaction-based approach. VSR is regulated by FINRA and the SEC and Spectrum has no sales quotas, product manufacturing, or parent company influencing their recommendations.
Merchant Cash Advance Overview
A merchant cash advance provides qualified merchants with working capital by purchasing a portion of their future credit and debit card sales. The funding partner pays an up-front discounted purchase price in exchange for the right to collect a percentage of daily card sales until the specified amount is reached. For example, a restaurant received $20,000 for $27,000 in future receipts, with the funding partner collecting 20% of daily card sales until $27,000 is collected. Merchant cash advances typically fund experienced small businesses in food, retail, and medical industries.
Joseph Fabiilli | Debt or Equity Financing
Joseph Fabiilli is explaining here about Debt or Equity Financing. He is a professional Program Funding Consultant and Investment Consultant.
The Power of Credit
Credit is a powerful tool. It can either make or break your business, depending on how you use it. This presentation will give you actionable recommendations so you can utilize credit to grow your business to new heights.
Basics Of Factoring
basics of factoring, mechanics of factoring, benefits of factoring and choosing the right factoring company.
Credit: The 3 Most Important "Cs"
Learn about the 3 "Cs" in credit:
Character - who are you when times get tough?
Cash Flow - the amount of cash available from all sources of income in relationship to the total amount of personal and business debt.
Collateral The amount of cash available from all sources of income in relationship to the total amount of personal and business debt.
2Talents Highlights
This document provides an overview of B. Clodfelter's responsibilities and contributions as a partner at a private equity firm specializing in Northern Colorado businesses. Some key points:
- The firm focused on turnarounds and financing for later-stage startups, doing 2-3 deals under $10M per year.
- Clodfelter matched client companies with potential investors, provided consultative services, and helped secure financing from an angel investor network.
- Clodfelter led the most profitable deal in the firm's portfolio and participated in successful financing for 8 companies over 3 years.
- Clodfelter developed a "3P framework" to efficiently evaluate potential clients based on their
Receivable Finance Canada: Finally Your Clear Explanation Of Factoring & AR F...
Information on factoring and receivable financing in Canada. Only when certain elements of AR Financing and cost are understood does this funding strategy make sense for your company
Evidence and Impact: Careers and guidance-related interventions
Research Paper: Evidence and Impact: Careers and guidance-related interventions.
Introduction to an online Professional Resource.
Dr. Deirdre Hughes and Geoff Gration, DMH Associates.
please note:
The views and opinions expressed in this publication are those of the authors and do not necessarily represent the views of CfBT Education Trust.
© CfBT copyright 2009
All rights reserved
More Related Content
What's hot
Raising capital for your business
This document discusses raising capital for a business. It defines capital as the financial assets required to fund business operations. The main sources of capital are equity, where an investor has ownership, and debt, where a lender does not have ownership. When raising capital, options include friends and family, supplier credit, loans from financial institutions, sector funds, crowdfunding, angel investors, bonds, venture capital, and private equity. The appropriate funding corresponds to the business stage - from early to growth, maturity, and decline. The document also lists various Africa-focused venture capital funds and development financial institutions in Nigeria that can provide capital.
Liquid capital bruce dawson
This document provides information for business owners on funding startups and growing businesses. It discusses that startups are harder, take longer, and cost more than anticipated. The best approach to funding combines several options like trade credit, private equity, loans, and lines of credit to create a financing portfolio. Private equity requires an experienced management team, valuable product, access to markets, a realistic plan, and execution experience. Alternative funding options like asset-based lending can unlock value from a company's assets like accounts receivable and inventory to provide cash flow. Factoring receivables and purchase order financing are presented as "just in time" funding options.
M5 L2 Financing Sources
There are two main types of financing sources for small businesses: equity sources and debt sources. Equity sources include personal savings, friends and relatives, private investors, and venture capitalists, and do not require repayment but provide ownership stakes. Debt sources include banks, finance companies, credit unions, and government agencies, and must be repaid with interest but allow businesses to maintain ownership. Government programs like the SBA, EDA, and HUD provide loan guarantees and funding to help small businesses and support economic development.
Entrepreneur Express, Jonah Fogel 09
The document provides information on financial considerations and resources for small businesses. It discusses elements of a business plan including financial plans, questions to consider around funding needs, sources of capital, types of loans, and tips for working with banks. It also lists several state and federal resources that small businesses can utilize for funding, financing assistance, and industry benchmarks.
Accessing capital
This document discusses various sources of financing for businesses, including personal savings, bank loans, equity financing, and other options. It outlines the steps to determine startup costs, anticipated revenue, and personal creditworthiness. Debt financing from banks and credit unions is described as typically requiring good credit history and being best for established businesses. Equity financing involves giving ownership in exchange for funds and is more common for startups, as it does not require debt repayment but dilutes ownership. The document advises reviewing one's personal credit profile and having owner equity of at least 10% when seeking loans. Other tips include ensuring diverse revenue sources and protecting the business with insurance.
Paraklete
Paraklete Financial is an independent registered investment advisor (RIA) and financial planner that offers comprehensive financial planning services for both businesses and individuals. It takes a fee-only approach, charging either hourly fees or a flat minimum fee of $6,000 paid quarterly for its services. Paraklete's financial planning process involves creating a unique plan for each client with a one year engagement and quarterly reviews. The firm's investment strategies utilize modern portfolio theory and investment policy statements. Most clients recover Paraklete's fees in their first year through tax savings and expense reductions from implementing the financial plan.
How Business Can Access Capital
This document discusses various options for financing a business, including debt and equity financing. It addresses four key questions about financing needs and uses: how much is needed, what the funds will be used for, where to find the funds, and how they will be paid back. Debt financing involves taking a loan that must be repaid with interest, while equity financing involves raising money in exchange for ownership. Common sources of financing mentioned include bank loans, SBA loans, private investors, and crowdfunding. The business plan is identified as an important tool for communicating financing needs and managing the business.
After PPP - Factoring to meet ongoing working capital needs
Many of your small business clients may have obtained Payroll Protection Program (PPP) loans to meet their working capital needs.
While that cash infusion likely filled a short-term funding gap, the need for additional working capital remains a priority for most businesses.
Your B2B/B2G clients could satisfy their on-going capital needs by factoring their accounts receivable with Versant Funding.
We do not underwrite our clients' businesses, but focus strictly on the quality of their AR. As a result, a business which is struggling during the pandemic, but has a strong customer base, is an excellent fit for our program.
We specialize in difficult deals :
• Start-ups
• Highly Leveraged
• Negative Net Worth
• Historic and/or Projected Losses
• Customer Concentrations (up to 100%)
• Weak Credit Scores/Character Issues
• Debtors-in-Possession
Contact me today to learn if your client is a fit.
So You Think You Need A Business Loan?
As a Business Owner, you realize that you need funding to Start, Run or Grow your Business! What steps should you take to prepare in order for you to receive the best terms?
Financing Government Contracts
This document discusses non-bank financing options for government contracts, including purchase order financing, asset-based loans (ABL), and factoring. Purchase order financing requires a purchase order and accounts receivable financing, with rates from 18-36% annually. ABLs are based on asset values and typically underwrite at liquidation values. Accounts receivable are the preferred ABL collateral. Factoring involves purchasing invoices with recourse, and can finance companies that banks cannot, but has higher rates. The document provides details on each option's requirements, advantages, limitations, and underwriting considerations.
Mergers and Acquisitions: Preparing for Change
The document discusses avoiding mistakes during transactions by providing lessons learned from experience. It summarizes an event presented by Bryan Livingston and Paul Puri of M&A International, the world's leading mid-cap investment banking organization. The document provides information on transaction planning, potential buyer motivations, types of transactions, and examples of enhancing transaction prices.
ABCs of Equity Financing
This document summarizes equity financing options for businesses. It discusses that equity financing involves selling stock, membership, or partnership interests in exchange for cash or property. The benefits are that there is no fixed repayment date, funds can be used flexibly, and no assets are tied up as collateral. However, the costs are dilution of ownership and control, as well as having to consider minority owner interests. Equity financing may be better for growth businesses, those with few assets for loans, or those with inconsistent revenues for debt payments.
Spectrum Financial Services: Things You Should Know About Us and FAQ
Spectrum is an independent financial planning firm owned by Bill Elson, CFP® that provides fee-based financial planning and investment advisory services through VSR Financial Services, Inc. In addition to investments, Spectrum counsels clients on retirement planning, estate planning, tax planning, education funding, and risk management while taking a planning-focused rather than transaction-based approach. VSR is regulated by FINRA and the SEC and Spectrum has no sales quotas, product manufacturing, or parent company influencing their recommendations.
Merchant Cash Advance Overview
A merchant cash advance provides qualified merchants with working capital by purchasing a portion of their future credit and debit card sales. The funding partner pays an up-front discounted purchase price in exchange for the right to collect a percentage of daily card sales until the specified amount is reached. For example, a restaurant received $20,000 for $27,000 in future receipts, with the funding partner collecting 20% of daily card sales until $27,000 is collected. Merchant cash advances typically fund experienced small businesses in food, retail, and medical industries.
Joseph Fabiilli | Debt or Equity Financing
Joseph Fabiilli is explaining here about Debt or Equity Financing. He is a professional Program Funding Consultant and Investment Consultant.
The Power of Credit
Credit is a powerful tool. It can either make or break your business, depending on how you use it. This presentation will give you actionable recommendations so you can utilize credit to grow your business to new heights.
Basics Of Factoring
basics of factoring, mechanics of factoring, benefits of factoring and choosing the right factoring company.
Credit: The 3 Most Important "Cs"
Learn about the 3 "Cs" in credit:
Character - who are you when times get tough?
Cash Flow - the amount of cash available from all sources of income in relationship to the total amount of personal and business debt.
Collateral The amount of cash available from all sources of income in relationship to the total amount of personal and business debt.
2Talents Highlights
This document provides an overview of B. Clodfelter's responsibilities and contributions as a partner at a private equity firm specializing in Northern Colorado businesses. Some key points:
- The firm focused on turnarounds and financing for later-stage startups, doing 2-3 deals under $10M per year.
- Clodfelter matched client companies with potential investors, provided consultative services, and helped secure financing from an angel investor network.
- Clodfelter led the most profitable deal in the firm's portfolio and participated in successful financing for 8 companies over 3 years.
- Clodfelter developed a "3P framework" to efficiently evaluate potential clients based on their
Receivable Finance Canada: Finally Your Clear Explanation Of Factoring & AR F...
Information on factoring and receivable financing in Canada. Only when certain elements of AR Financing and cost are understood does this funding strategy make sense for your company
What's hot (20)
After PPP - Factoring to meet ongoing working capital needs
After PPP - Factoring to meet ongoing working capital needs
Spectrum Financial Services: Things You Should Know About Us and FAQ
Spectrum Financial Services: Things You Should Know About Us and FAQ
Receivable Finance Canada: Finally Your Clear Explanation Of Factoring & AR F...
Receivable Finance Canada: Finally Your Clear Explanation Of Factoring & AR F...
Viewers also liked
Evidence and Impact: Careers and guidance-related interventions
Research Paper: Evidence and Impact: Careers and guidance-related interventions.
Introduction to an online Professional Resource.
Dr. Deirdre Hughes and Geoff Gration, DMH Associates.
please note:
The views and opinions expressed in this publication are those of the authors and do not necessarily represent the views of CfBT Education Trust.
© CfBT copyright 2009
All rights reserved
African Union for Housing Finance Conference: Raising capital for an inner ci...
African Union for Housing Finance Conference: Raising capital for an inner ci...AfricaChinaUrbanInitiative
African Union for Housing Finance Conference: Raising capital for an inner city mortgage company promoting rental housing, 09/11/2013African Union for Housing Finance Conference: Affordable Housing Finance
IFC invests in affordable housing finance and development in Sub-Saharan Africa. In FY2013, IFC committed $3.5 billion to Sub-Saharan Africa projects, with housing as a priority. IFC finances the entire housing value chain, providing over $2.6 billion to 76 housing finance institutions who have issued $18.3 billion in loans to 1.9 million homeowners. Challenges to expanding affordable housing in Sub-Saharan Africa include insufficient developer capacity, weak business environments, and high interest rates.
Team Trust Constellations
Team Trust Constellations exercise is another very useful tool for coaching agile teams which can be applied during workshops.
Team Trust Canvas eng
Team Trust Canvas. The full article you can find there: http://inteamwetrust.com/2015/04/22/building-team-trust-using-a-trust-canvas/
Learn BEM: CSS Naming Convention
http://inarocket.com
Learn BEM fundamentals as fast as possible. What is BEM (Block, element, modifier), BEM syntax, how it works with a real example, etc.
SEO: Getting Personal
The document discusses how personalization and dynamic content are becoming increasingly important on websites. It notes that 52% of marketers see content personalization as critical and 75% of consumers like it when brands personalize their content. However, personalization can create issues for search engine optimization as dynamic URLs and content are more difficult for search engines to index than static pages. The document provides tips for SEOs to help address these personalization and SEO challenges, such as using static URLs when possible and submitting accurate sitemaps.
Viewers also liked (9)
Evidence and Impact: Careers and guidance-related interventions
Evidence and Impact: Careers and guidance-related interventions
African Union for Housing Finance Conference: Raising capital for an inner ci...
African Union for Housing Finance Conference: Raising capital for an inner ci...
African Union for Housing Finance Conference: Affordable Housing Finance
African Union for Housing Finance Conference: Affordable Housing Finance
Similar to Roots to Finance - David Milham
How to Finance Your Business Start-Up.ppt
This document provides guidance on financing a business start-up. It discusses developing an effective business plan with financial projections, sales forecasts, and an exit strategy. Sources of financing discussed include banks, venture capital, finance companies, and government loans/grants. Banks primarily look for management experience and a viable plan to repay obligations. Venture capital wants high returns and board representation. The key is having a strong business plan and pitch that convinces lenders of the opportunity and manages their expectations and risks. Maintaining transparent communications after receiving financing is also advised.
Fast Growth - Navigating the tax & funding cycle
For innovative businesses it is vital to take advantage of support that can enable a business to grow. This includes tax reliefs aimed at the different stages in a business’s life cycle and the various avenues that are available for raising finance to take the business to the next level of its development. In this session we will look at the early stage of R&D claims and funding opportunities, through to share schemes, EIS and international expansion and the correlation with raising finance, both equity and debt, culminating in the final stage of the business being sold, what this can look like and how to be prepared.
Business Finance Options - December 2010
This document summarizes various business finance options for companies. It discusses the main differences between debt and equity financing. It also outlines specific financing options like bank loans, asset financing, factoring, and regional funding schemes. The document provides advice on meeting the expectations of funders for both debt and equity. It emphasizes the importance of a strong business plan and financial forecasts in preparing for and obtaining financing.
Financing your business
The document discusses various options for financing a business, including grants, start-up financing, and other options like business plans. It provides details on applying for grants and common reasons for rejection. It also covers considerations for starting a business such as common mistakes, financial problems, and assessing if you have the commitment and skills to be an entrepreneur. Other financing options discussed include selling shares, private and public limited companies, and improving cashflow.
Business finance options seminar - the choices simplified
The document discusses various options for business finance including debt financing through bank loans, asset financing, factoring, and the Enterprise Finance Guarantee. It also covers equity financing sources such as venture capital, private equity, business angels, and grants. It provides an overview of what funders expect, the funding process, and tips for preparing a strong business plan and financial forecasts to support funding applications.
Credit Review: Risk Evaluation & Due Diligence
Tips for preparing, communicating, finding funding, and the various types of funding available for businesses.
Financing venture
The document discusses various topics related to entrepreneurial financing including:
1) It discusses common misconceptions about entrepreneurial financing sources and outlines the diverse nature of business financing options.
2) It describes how to finance smaller businesses with modest growth potential using bootstrapping, self-financing, and loans.
3) It outlines how to finance high-growth, high-potential ventures using equity financing sources like angels and venture capitalists as well as debt financing.
Entrepreneur Express - Finance
The document provides information on financial considerations and resources for small businesses. It discusses elements of a business plan including financial plans, questions to consider around funding needs, sources of capital, types of loans, and tips for working with banks. It also lists several state and federal resources that small businesses can utilize for funding, financing assistance, and industry benchmarks.
C CONSULTING_Overview
This document provides information on the consulting services offered by Catherine Vanmari, including accounting, financial reporting, business plans, and business mentoring. It summarizes her experience in financial management, business finance and support, credit management, and business development roles over 25 years. Her expertise includes financial analysis, budgeting, strategic planning, arranging financing, and business coaching.
VA Overview Summer 2010
This document provides information about Venture Advisors, a firm that offers CFO and financial advisory services to early stage and rapidly changing companies. It describes the services Venture Advisors provides, including building and supporting finance organizations, capital raising, mergers and acquisitions support, and interim CFO services. The document also lists some of Venture Advisors' clients and discusses their models for staffing finance functions and engaging their services.
All About Funding
This document provides information and advice for entrepreneurs seeking venture capital funding. It discusses identifying target investors, preparing an effective funding package, understanding what investors look for, negotiating deal terms, and closing an investment deal. Key steps outlined include preparing an executive summary and business plan, contacting investors, conducting due diligence, addressing common investor concerns, and structuring the investment to align incentives. Cautions are also given about common lies told by both entrepreneurs and venture capitalists throughout the funding process.
Venture Capital Primer Rev2 101309
The document discusses various options for raising capital to fund startup growth, including equity financing, debt financing, bootstrapping, government grants and loans, angels, venture capital firms, strategic investors, and debt investors. It provides an overview of the advantages and disadvantages of each approach, as well as examples of financing sources available in Arkansas, such as the Fund for Arkansas' Future angel fund.
New Ventures BC Dialling for Dollars 20080528
The document provides information about Lions Capital Corp., a venture capital firm that manages $85 million investing in emerging life science and technology companies in British Columbia. It discusses Lions Capital's funds, portfolio companies, management team, and investment strategies. The document also covers key aspects of the startup financing process, including identifying investors, pitching to investors, conducting due diligence, negotiating terms, and closing investment deals.
Rome
The document provides an overview of strategic planning principles, business planning, and how financial planning and software can assist business innovation centers (BICs). It discusses the importance of strategic planning for BIC clients and outlines key elements that should be included in strategic business plans, such as taking a medium-term view, focusing on strategic matters, and being written down and reviewed periodically. The document also summarizes various aspects that should be considered when preparing a business plan, such as the structure, operations plan, financial plan, and projections.
Oct15132654
1. The document discusses various sources of funding for new ventures including debt financing through loans and debentures, as well as equity financing through preferred stock, common stock, and venture capital.
2. It explains how venture capitalists evaluate businesses through qualitative methods like management analysis and quantitative methods including financial statement analysis and valuation techniques.
3. Challenges for software businesses seeking financing are discussed, along with common mistakes startups make that can hinder their ability to obtain funding. Preparation tips are provided such as properly addressing financials, operations, and legal issues.
Entrepreneurship 101: Mechanics of Starting a Business
This presentation covers a number of issues relevant to starting and running a business, including:
* Starting a business: What you need to know
* Ownership structures: Pros/Cons of each
* Business plan: Your roadmap to success
* Financing your business
* Building a relationship with your bank
* Why businesses fail
Speaker: Ms Veni Iozzo, Vice President, CML Business Development, CIBC
More information: http://www.marsdd.com/Events/Event-Calendar/Ent101/2007/mechanics-business-20071212.html
Entrepreneurship 101-mechanics-of-starting-a-business-1197584319859938-2
The document provides an overview of the key considerations for starting a business, including researching the market, choosing an ownership structure, registering the business, and preparing a business plan. It discusses sole proprietorships, partnerships, and corporations as potential ownership structures. It also outlines how to finance a business through equity financing like personal savings or investors, and debt financing like lines of credit, term loans, or government programs. The document concludes with common reasons why businesses fail like being undercapitalized, poor management, or failing to adapt.
BDC - Starting a Business
This is a BDC presentation and not StartMeUp Ryerson.
The BDC promotes entrepreneurship by providing highly tailored financing, venture capital and consulting services to help companies continue with operations and to promote their success.
What VCs Want, What Companies Want In A VC For UBC Ace
Venture capitalists (VCs) look for strong management teams, clear business models with large market opportunities and realistic valuations when investing in startups. They also want to see traction in the target market and appropriate deal size and sector. When presenting to VCs, entrepreneurs should have an executive summary highlighting customers and value, financial projections, and a thorough due diligence binder. Entrepreneurs should look for VCs that can provide more than just money, such as management experience, contacts, and exit strategies. There are subtle differences between VCs so entrepreneurs should research firms and ask references about preferences.
Starting biz
This document provides information and advice for starting a new business. It discusses determining the type of business and reasons for starting. It notes that over half of small businesses fail within the first year, often due to lack of funding. Key considerations for business success include having a business plan, keeping accurate financial records, obtaining the proper legal structure such as an LLC, and finding sources of funding such as personal savings, investors, or loans. The document provides resources for writing a business plan and obtaining loans or grants.
Similar to Roots to Finance - David Milham (20)
Business finance options seminar - the choices simplified
Business finance options seminar - the choices simplified
Entrepreneurship 101: Mechanics of Starting a Business
Entrepreneurship 101: Mechanics of Starting a Business
Entrepreneurship 101-mechanics-of-starting-a-business-1197584319859938-2
Entrepreneurship 101-mechanics-of-starting-a-business-1197584319859938-2
What VCs Want, What Companies Want In A VC For UBC Ace
What VCs Want, What Companies Want In A VC For UBC Ace
Recently uploaded
What Lessons Can New Investors Learn from Newman Leech’s Success?
Newman Leech's success in the real estate industry is based on key lessons and principles, offering practical advice for new investors and serving as a blueprint for building a successful career.
一比一原版(cwu毕业证书)美国中央华盛顿大学毕业证如何办理
原版一模一样【微信：741003700 】【(cwu毕业证书)美国中央华盛顿大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
Discovering Delhi - India's Cultural Capital.pptx
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
Dr. Alyce Su Cover Story - China's Investment Leader
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
欧洲杯投注-欧洲杯投注买球-欧洲杯投注买球网|【网址🎉ac22.net🎉】
【网址🎉ac22.net🎉】欧洲杯投注 Sports 与其他博彩公司相比，其独特之处在于欧洲杯投注 Sports 基于低利润和高营业额的独一无二的体育博彩模式，该模式可以为玩家开出最高的赔率。欧洲杯投注的优势在于中文界面友好，接受人民币投注。他们的开户奖金和实时体育投注界面是大陆玩家的首选。
Understanding-Stocks-and-Real-Estate.pptx
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
一比一原版宾夕法尼亚大学毕业证(UPenn毕业证书)学历如何办理
挂科购买【微信号:176555708】【挂科购买(UPenn毕业证书)】【微信号:176555708】《成绩单、外壳、offer、真实留信官方学历认证（永久存档/真实可查）》采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路）我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信号:176555708】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信号:176555708】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Economic trends from a business point of view (May 2024)
Economic trends from a business point of view (May 2024)Інститут економічних досліджень та політичних консультацій
“Amidst Tempered Optimism” Main economic trends in May 2024 based on the results of the New Monthly Enterprises Survey, #NRES
On 12 June 2024 the Institute for Economic Research and Policy Consulting (IER) held an online event “Economic Trends from a Business Perspective (May 2024)”.
During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented.
The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed.
The enterprise managers compared the work results in May 2024 with April, assessed the indicators at the time of the survey (May 2024), and gave forecasts for the next two, three, or six months, depending on the question. In certain issues (where indicated), the work results were compared with the pre-war period (before February 24, 2022).
✅ More survey results in the presentation.
✅ Video presentation: https://youtu.be/4ZvsSKd1MzE
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Navigating Your Financial Future: Comprehensive Planning with Mike Baumann
Learn how financial planner Mike Baumann helps individuals and families articulate their financial aspirations and develop tailored plans. This presentation delves into budgeting, investment strategies, retirement planning, tax optimization, and the importance of ongoing plan adjustments.
13 Jun 24 ILC Retirement Income Summit - slides.pptx
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Chapter 25: Economic Growth Summary from Samuelson and Nordhaus
akdlajdljalkdjklajdklajlsdjlasjdlajdslajldjaldjalsjdlkajskldaldkj
The Rise and Fall of Ponzi Schemes in America.pptx
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
How to Invest in Cryptocurrency for Beginners: A Complete Guide
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
Recently uploaded (20)
What Lessons Can New Investors Learn from Newman Leech’s Success?
What Lessons Can New Investors Learn from Newman Leech’s Success?
Dr. Alyce Su Cover Story - China's Investment Leader
Dr. Alyce Su Cover Story - China's Investment Leader
Economic trends from a business point of view (May 2024)
Economic trends from a business point of view (May 2024)
Navigating Your Financial Future: Comprehensive Planning with Mike Baumann
Navigating Your Financial Future: Comprehensive Planning with Mike Baumann
13 Jun 24 ILC Retirement Income Summit - slides.pptx
13 Jun 24 ILC Retirement Income Summit - slides.pptx
Chapter 25: Economic Growth Summary from Samuelson and Nordhaus
Chapter 25: Economic Growth Summary from Samuelson and Nordhaus
The Rise and Fall of Ponzi Schemes in America.pptx
The Rise and Fall of Ponzi Schemes in America.pptx
How to Invest in Cryptocurrency for Beginners: A Complete Guide
How to Invest in Cryptocurrency for Beginners: A Complete Guide
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
Roots to Finance - David Milham
- 1. Roots to Finance David Milham – ASC Kent
- 12. QUESTIONS? David Milham ASC Finance for Business 01795 591220 [email_address]