Steven Lowry has a Masters in Science of Finance from Illinois Institute of Technology and a Bachelor's degree in Finance from the University of Florida. He has over 5 years of experience in investment banking and private equity, working on mergers, acquisitions, and capital raising deals. He is pursuing the CFA and CPA designations and maintains the Series 7 license.
Space and suitability - Bovill briefing on FCA regulation June 2014Bovill
Bovill - the UK financial services regulatory consultancy - runs regular briefings. These are the slides from the June briefing on Suitability. For more information visit www.bovill.com.
Further information on the event is below:
Suitability has been with us for what can seem like forever. And, like the universe itself, its impact is far reaching and its complexity can at times seem bewildering.
In our briefing we explore themes around suitability and look at the journey firms have been on.
It has been three years since the wealth management ‘Dear CEO letter’. Bovill’s Richard Scrivener – who was at the regulator at the time – looks at some of the issues still troubling parts of the industry as well as the FCA, such as risk-profiling, assessing capacity for loss and what to do with ‘client-directed holdings’.
We give some practical insight into how these issues are being tackled. We also touch on some related areas, for instance, delving into recent Final Notices to spot what is new and what lessons can be learned and looking at more recent regulatory developments.
Led by Carlos Abadi, DecisionBoundaries is a financial engineering boutique Fluent in Complexity (TM) focused on delivering sophisticated financial advisory solutions in the fields of financial restructuring, litigation support, and financial engineering.
Space and suitability - Bovill briefing on FCA regulation June 2014Bovill
Bovill - the UK financial services regulatory consultancy - runs regular briefings. These are the slides from the June briefing on Suitability. For more information visit www.bovill.com.
Further information on the event is below:
Suitability has been with us for what can seem like forever. And, like the universe itself, its impact is far reaching and its complexity can at times seem bewildering.
In our briefing we explore themes around suitability and look at the journey firms have been on.
It has been three years since the wealth management ‘Dear CEO letter’. Bovill’s Richard Scrivener – who was at the regulator at the time – looks at some of the issues still troubling parts of the industry as well as the FCA, such as risk-profiling, assessing capacity for loss and what to do with ‘client-directed holdings’.
We give some practical insight into how these issues are being tackled. We also touch on some related areas, for instance, delving into recent Final Notices to spot what is new and what lessons can be learned and looking at more recent regulatory developments.
Led by Carlos Abadi, DecisionBoundaries is a financial engineering boutique Fluent in Complexity (TM) focused on delivering sophisticated financial advisory solutions in the fields of financial restructuring, litigation support, and financial engineering.
Hello, my name is Dianhang Zhou. I am a graduate student study in financial services and planning, and my expected graduation date is December 2015. I am currently looking for an financial analyst or an entry-level job. I am interested at every career opportunities.Thank you!
Hello, my name is Dianhang Zhou. I am a graduate student study in financial services and planning, and my expected graduation date is December 2015. I am currently looking for an financial analyst or an entry-level job. I am interested at every career opportunities.Thank you!
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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.
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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Cotton in Nike Apparel
Nike Shops Worldwide
Nike Manufacturing Countries
Cold Cement Assembly Nike
3D Printing Nike Shoes
Nike Product Development
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Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
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
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
1. 50 W 34th St. Apt 16B10 steve.lowry1@gmail.com
New York, NY 10001
STEVEN LOWRY 727.434.2465
E D U C AT I O N
ILLINOIS INSTITUTE OF TECHNOLOGY Chicago, IL
Masters in Science of Finance; Financial Engineering, Corporate Finance, 3.9/4.0 2010
• Relevant courses: Financial Modeling; Financial Statement Analysis; Negotiations and Strategy; Valuation and Portfolio Management;
Futures, Options and OTC Derivatives; Equity Valuation; Investment Banking; Corporate Finance
• Mentor for International students coordinating professional networking events, business debates & English language proficiency
THE UNIVERSITY OF FLORIDA Gainesville, FL
Bachelor of Science in Business Administration; Major in Finance, GPA: 3.8/4.0 2006
• Florida Bright Futures Academic Scholar (4-year full tuition scholarship)
R E L E VA N T P R O J E C T & S K I L L S
HARVARD INVESTMENT BANKING CASE COMPETITION Chicago, IL
Investment Banking & Corporate Finance Coursework 2010
• Achieved 1st place in Harvard software program LBO merger for my class based on valuation and comparison of acquisition value
• Analyzed 14 separate cases that included exercises in DCF modeling, company valuations, LBO and capital restructures
ILLINOIS INSTITUTE OF TECHNOLOGY Chicago, IL
Student Government President 2009 – 2010
• Managed a team of 20 people by supervising the organization of events and budgets for 12 sub-organizations
• Headed the Stuart School of Business Financial Allocation Committee and Dean’s Advisory Council
Stuart Investments Endowment – Sector Leader
• Performed various company valuations (trading comps, precedent transactions, DCF analysis) using financial criteria (EPS growth,
P/E, EV/ EBITDA) available on request; resulted in investments of $250,000 in stocks and ETFs and 22% return in 2010
Skills Financial analysis, negotiating, sales, financial modeling, options and derivative pricing, hedging and risk management
strategies. Proficiency in MS Office & Excel, VBA, REDIplus, Bloomberg Intermediate User, currently developing C++ skills
EXPERIENCE
DELTA CAPITAL PARTNERS Chicago, IL
Analyst at Hedge Fund / Private Equity in Distressed Debt 2011
• Worked on 4 deals, including buy-side leveraged buyouts & debt and equity financings; prepared valuation analyses, client
presentations & teasers for buy side investments
• Completed valuations on target distressed hedge funds that previously had AUM of between $1-2b
• Instrumental in evaluating potential bank acquisition targets ($500m -1b) in Chicago area for $40m investment
• Evaluated PIPE transactions using 10-Ks and public deal filings for buy side due diligence using PrivateRaise
• Worked with Top 50 lawyer at K&L Gates, Corporate Executives & Investment Bankers with 30 years experience
JESUP & LAMONT Orlando, FL
Investment Banking Analyst 2006 - 2008
• Worked on 8 deals, including sell-side and buy-side M&A, leveraged buyouts, and debt and equity financings; completed standalone
operating models, valuations, merger and LBO models, and client presentations
• Raised capital for sell side of investment bank in multiple IPOs and bridge financing deals for alternative energy start-up companies
LEHMAN BROTHERS New York, NY
Summer Analyst Summer 2006
• Assisted with due diligence process on sell-side and buy-side M&A transactions, supported communication between clients and
prospective buyers, and managed information flow
SKILLS & PROFESSIONAL ACTIVITIES
Goals: Taking CFA Level I in Dec 2011, Taking classes to achieve CPA
Professional: Series 7 license, Member of AAII, Member of ASmallWorld
Volunteer: Eagle Scout in Boy Scouts of America, Elementary School Mentor, Volunteer at Bayfront Hospital ER & OR