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Open a SICAV in Luxembourg
 
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Luxembourg, the most important financial centre in Europe, allows foreign investors to register a SICAV structure, which is an investment company with variable capital. Businessmen can find out more details on this vehicles from our team of financial experts, available at http://www.startluxembourgfund.com/.
Views: 109 bridgewestEU
SICAV
 
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A SICAV is an open-ended collective investment scheme common in Western Europe, especially Luxembourg, Switzerland, Italy, Spain, Belgium, Malta, France and Czech Republic. SICAV is an acronym in French for société d'investissement à capital variable, which can be translated as 'investment company with variable capital'. It is similar to an open-ended mutual fund in the United States, while a sociedad de inversión de capital fijo or société d'investissement à capital fixe (SICAF) is similar to a closed-end fund. As in the case of other open-end collective investment schemes (such as contractual funds), the investor is in principle entitled at all times to request the redemption of his units and payment of the redemption amount in cash. This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
Views: 1202 Audiopedia
Structure your Investments the RIGHT WAY Pay Less Capital Gains, Income and Land Tax
 
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To learn more from our expert property investors at an EVENT, click here - https://www.positiverealestate.com.au/youtube Follow us across our social accounts: Subscribe: http://www.youtube.com/c/PositiveRealEstateTV?sub_confirmation=1 Facebook: https://www.facebook.com/positiverealestate/ Instagram: https://www.instagram.com/positiverealestate/ Jason Whitton, Founder of Positive Real Estate discusses in this week's market update that as a property investor you will have a different financial outcome both NOW and later on, depending on how you structure your investment; which is very important to consider and get RIGHT from the beginning. So what do we mean by that. There are 3 ways you can own a property and different taxation outcomes of each, which Jason runs through in detail in this week's video:- 1. Own the property in your own name 2. Own the property in a company trust structure -- or combination of a number of different trusts and/ or company structures 3. Own the property in a super fund Find out which is best for you - or maybe you can combine these structures!
Views: 8356 PositiveRealEstateTV
Variable Income Securities 1 (Investment Account)
 
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Investment Accounts Class 4
Views: 671 Gagan Kapoor
How to obtain Cyprus Investment Fund License
 
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As a full-service Global Law Firm focused on global I-gaming, Financial Services, Licensing, Asset Management, Securities, International Business & Tax; we value hearing from you, no matter where in the world you are. If you have any question, visit us at https://empireglobal.partners Investment Funds in Cyprus are regulated under the Alternative Investment Funds Law of 2018. As a member of the European Union, a license in Cyprus offers access to the large European Union market subject to compliance with the license conditions. It also offers a stable investment environment and access to international standard banking facilities. A Cyprus Investment Fund license in the form of an Alternative Investment Fund (AIF) license can be of two main types: an AIF-LNP for funds which allow participation of up to 50 persons or an AIF-UNP which allows participation of an unlimited number of persons. Most businesses willing to deal with the general public may be required to obtain an AIF-UNP License. The first step for obtaining a Cyprus Investment Fund License is to register as a local Cyprus Company or a Limited Partnership or a Common Fund. In most cases, a Variable Capital Investment Company is the preferred form of incorporation to apply for a Cyprus Investment Fund License. The formal application for a license has to be made to Cyprus Securities and Exchange Commission. The fee for an application for a Mutual Fund license is around EUR 2000. After completion of the application process, the Cyprus Securities and Exchange Commission will issue a license. In addition to the application process, there is a need for continued compliance including maintenance of accounting records and half-yearly submission of information to the Cyprus Securities and Exchange Commission. If you are interested in learning more about a Cyprus Investment Fund License and how it can help your business, please complete the form on this page and one of our dedicated team of experienced professionals will assist you through the entire process of obtaining a Cyprus Investment Fund License. Thanks For watching our videos, Like them, comment on your suggestions, share with your friends & don't forget to subscribe and click on the bell Icon, So you never miss an update from us. ✬ Website: https://empireglobal.partners/ ✬ Twitter: https://twitter.com/empireglobals ✬ Instagram: https://www.instagram.com/empireglobalpartners/ ✬ Facebook: https://www.facebook.com/EmpireGlobalPartners/
01 February 2012 Celebration Fifth Anniversary Add Value Fund
 
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Hilco Wiersma, fund manager Add Value Fund, sounds the gong at NYSE Euronext Amsterdam. On 31 March 2010 the fund became an open-ended investment company with variable capital. Add Value Fund N.V. has been listed on the exchange since 8 April 2010. The fund invests exclusively in small and medium sized listed companies of Dutch origin.
Why You Should Not Invest in Peer to Peer Lending | BeatTheBush
 
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With Peer to Peer lending, there are some risks they are not telling you. First, there is the liquidity issue where your money is essentially trapped in a loan for 3-5 years. The current aggregated default rate is variable and is dependent on the well being of the economy which could fluctuate. The returns are not guaranteed and the default rate could spike resulting in a loss rather than the paltry 6-9 percent of advertised gains. Second, the borrower is not ultimately responsible to pay you back but rather pay the intermediate company. This create some pretty peculiar situations if the company becomes insolvent. . Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush Credit Card for Starters Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0 Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q Credit Card Basics How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw Credit Score Less Than 700 Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8 How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg Credit Score More Than 700 How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs 740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc My Credit Score: 848 - Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM Advanced Credit Card Tricks How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8 Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4 Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg Cash Back Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4 Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk 5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4 Max Rewards: What's in My Wallet: https://youtu.be/cmJDFcbjFho How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0 Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo Other Channels: BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY
Views: 251620 BeatTheBush
Determine Transaction Price (New FASB) | Intermediate Accounting | CPA Exam FAR | Chp 18 p3
 
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Third Step: Determine the Transaction Price 7. The transaction price is the amount of consideration that a company expects to receive from a customer in exchange for transferring goods and services. The transaction price in a contract is often easily determined as the fixed amount a customer is willing to pay over a short period of time. In other contracts, companies must consider the following factors: • Variable consideration • Time value of money • Noncash consideration • Consideration paid or payable to the customer Chapter 18: Revenue Recognition 18 ­ 3 8. When the price of a good or service is dependent on a future event (price increase, discounts, rebates, credits, performance bonuses, or royalties), the company should estimate the amount of variable consideration it will receive from the contract to determine the amount of revenue to recognize. Companies use the expected value, which is a probability­weighted amount, or the most likely amount in a range of possible amounts to estimate variable consideration. A company, however, only allocates variable consideration if it is reasonably assured that it will be entitled to that amount. Companies therefore may only recognize variable consideration if (1) they have experience with similar contracts and are able to estimate the cumulative amount of revenue, and (2) based on experience, it is highly probable that there will not be a significant reversal of revenue previously recognized. If these criteria are not met, revenue recognition is constrained. 9. Companies account for the time value of money if the contract involves a significant financing component. When a sales transaction involves a significant financing component (i.e., interest is accrued on consideration to be paid over time), the fair value is determined either by measuring the consideration received or by discounting the payment using an imputed interest rate. A company will report the effects of the financing either as interest expense or interest revenue. 10. When companies receive consideration in the form of goods, services, or other noncash consideration, companies generally recognize revenue on the basis of the fair value of what is received. 11. When consideration is paid or payable to customers as part of a revenue arrangement that involves such items as discounts, volume rebates, coupons, free products, or services, these elements reduce the consideration received and the revenue to be recognized.
IFRS 10 Consolidated Financial Statements - summary
 
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http://www.ifrsbox.com This is the short summary of IFRS 10 Consolidated Financial Statements. The objective of IFRS 10 is to establish principles for the presentation and preparation of consolidated financial statements when an entity controls one or more other entities. IFRS 10: - requires to present consolidated financial statements; - defines the principle of control - sets out the accounting requirements for consolidated financial statements and - defines an investment entity and sets out an exception to consolidating particular subsidiaries of an investment entity. An investor controls an investee when It is exposed to or has rights to variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee. Consolidated financial statements are the financial statements of a group presented as those of a single economic entity. Consolidation procedures: Step 1 – Combine like items of assets, liabilities, equity, income, expenses and cash flows of the parent with those of its subsidiaries. Step 2 - Offset or eliminate carrying amount of parent’s investment in subsidiary with parent’s portion of equity of each subsidiary. Step 3 - Offset or eliminate in full intragroup assets, liabilities, equity, income, expenses and cash flows relating to transactions between companies in the group. Investment entity is an entity that: - Obtains funds or money from one or more investors for the purpose of providing those investor(s) with investment management services; - Its business purpose is to invest funds solely for returns from capital appreciation, investment income, or both; and - It measures and evaluates the performance of substantially all of its investments on a fair value basis. If you’d like to learn how to consolidate, or anything about IFRS in general, please visit http://www.ifrsbox.com and subscribe to our free IFRS mini-course. Thank you!
Views: 108469 Silvia M. (of IFRSbox)
Is a Jackson National Lifeguard Freedom 6 Variable Annuity a Good Investment?
 
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This is the question one of our clients asked recently. A good friend in the business had recommended they consider putting a chunk of their savings into the Jackson National Lifeguard Freedom 6 variable annuity and they did what we ask all of our clients to do, call us or contact us with your questions so we can give you our unbiased independent third party point of view. The proposal or illustration that was passed along to us was for a $500,000 investment and here's what we found. There's a surrender charge starting at 8.5% of the invested amount that comes out to $42,500. The surrender charge gradually declines to 0 over seven years. The total insurance and annuity company fees and expenses added up to 4.4%. This amounted to $22,160 being deducted from the annuity every year and that assumes the annuity never increases in value. That's before the money is invested in the different subaccount options, which are similar to mutual funds. Investment fees for different investment options ranged from a 0.5% to a little over 2%. If we just blend everything together and assume money gets invested on all the different options the average fee came in at a little over 1.34%. That's another $6700 a year being deducted from the account. The total annual fees and expenses came in at a little over 5.75% or almost $29,000. That money's going to be deducted from the annuity every year. You've got to make that amount of money on the investments just to break even. There's an up front commission paid to the broker or sales agent recommending the product. That commission ranges anywhere from 5.5% to 7.5% so that works out to $27,000 to as much as $37,000. You ever use an annuity for income all the profits are taxed at ordinary income tax rates. You would lose the long-term capital gain tax rate, which under current tax laws is always lower than your ordinary tax rate. There's been numerous independent research studies that show the tax deferral benefit of an annuity is lost once annual fees and expenses exceed 3%. This product was almost twice that amount. As you may have guessed we suggested they pass on this investment opportunity. Knowing all the internal fees and expenses of an annuity before you decide to buy one will help move you one step closer to experiencing your version of an incredible retirement doing what you want when you want. http://IncredibleRetirement.com 800-393-1017
Views: 240 Brian Fricke
Dividend Discount Model (DDM) - Constant Growth Dividend Discount Model - How to Value Stocks
 
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http://www.subjectmoney.com http://www.subjectmoney.com/definitiondisplay.php?word=Dividend%20Discount%20Model In this lesson we are teaching you how to price stocks using the Dividend Discount Model (DDM). We explain the concept of the dividend discount model (DDM) and show you the necessary assumptions along with how to get the cost of equity (discount rate) using the Capital Asset Pricing Model CAPM. We also teach you the constant growth dividend discount model and then show you how to tailor the dividend discount model according to the what is expected of the company in the future. Please don't forget to subscribe, rate and share our videos. Please also visit our website at http://www.subjectmoney.com and http://www.excelfornoobs.com https://www.youtube.com/user/Subjectmoney https://www.youtube.com/watch?v=n76Pz3HOBPo http://www.roofstampa.com hjttp://roofstampa.com http:/www.subjectmoney.com http://www.excelfornoobs.com
Views: 108143 Subjectmoney
Open-ended investment company | Wikipedia audio article
 
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This is an audio version of the Wikipedia Article: https://en.wikipedia.org/wiki/Open-ended_investment_company 00:01:35 1 History 00:04:32 2 Legal structure 00:06:01 3 Umbrella fund 00:06:46 4 Open-endedness 00:07:49 5 See also Listening is a more natural way of learning, when compared to reading. Written language only began at around 3200 BC, but spoken language has existed long ago. Learning by listening is a great way to: - increases imagination and understanding - improves your listening skills - improves your own spoken accent - learn while on the move - reduce eye strain Now learn the vast amount of general knowledge available on Wikipedia through audio (audio article). You could even learn subconsciously by playing the audio while you are sleeping! If you are planning to listen a lot, you could try using a bone conduction headphone, or a standard speaker instead of an earphone. Listen on Google Assistant through Extra Audio: https://assistant.google.com/services/invoke/uid/0000001a130b3f91 Other Wikipedia audio articles at: https://www.youtube.com/results?search_query=wikipedia+tts Upload your own Wikipedia articles through: https://github.com/nodef/wikipedia-tts Speaking Rate: 0.7190005432781678 Voice name: en-GB-Wavenet-A "I cannot teach anybody anything, I can only make them think." - Socrates SUMMARY ======= An open-ended investment company (abbreviated to OEIC, pron. /ɔɪk/) or investment company with variable capital (abbreviated to ICVC) is a type of open-ended collective investment formed as a corporation under the Open-Ended Investment Company Regulations 2001 in the United Kingdom. The terms "OEIC" and "ICVC" are used interchangeably with different investment managers favouring one over the other. In the UK OEICs are the preferred legal form of new open-ended investment over the older unit trust. As an open-ended company the manager must create shares when money is invested and redeem shares as requested by shareholders. As with other collective investments, ICVCs' main function is to make money for the shareholders. This is achieved via investing in different asset classes such as equities, fixed-interest investments, and property. By using economies of scale they facilitate access to professional investment management for small investors. OEICs were developed to be similar to European SICAVs and U.S. mutual funds.
Views: 2 wikipedia tts
Retirement Investing Pitfall #4 - Underestimating Market Risk & Not Properly Diversifying
 
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In this video I am going to cover Pitfall Number 4 - underestimating market risk by not properly diversifying. As you probably know, a disciplined approach to your money can help buffer you against turbulence and uncertainty in the market. Obviously, there are plenty of approaches you can take to investing for your retirement, and there are also a number of pitfalls that can interfere with that approach. Underestimating market risk and not properly diversifying your investments, is one of those pitfalls. While the stock market has historically offered better performance than other asset classes such as government and corporate bonds, this type of performance does come with a drawback: higher risk. And of course, this makes sense when the following investment principle is considered: along with the potential for higher returns, comes higher risk. I’ve met with many retirees over the years who are, in my opinion, overly aggressive, and have placed a substantial portion of their retirement savings in riskier market-related investments. By doing this, they run the risk of a market crash adversely affecting their retirement income plan, because there often isn’t enough time for their investments to come back from the big declines. While there are many variables to consider when addressing risk, like time horizons, risk tolerance, goals, and other assets, you really want to aim to achieve an appropriate balance of risk in your investments, as discussed in Chapter 10. This is why it’s crucial to understand when planning for retirement, simply diversifying among different stocks or ETFs may not be sufficient, especially if all of these investments are part of the same market, sector or asset class. Diversification is simply a risk management technique that involves spreading your money amongst many different asset classes, and investing into a wide variety of financial products within those asset classes, with the goal of preventing your entire portfolio from suffering losses all at once. This strategy should help smooth out portfolio volatility over the long haul. Another important aspect of becoming fully diversified is to invest in global markets. This enables you to reduce the risk of the U.S. market underperforming overseas markets, thus hurting your overall returns. Global diversification has also been proven to lessen a portfolio’s volatility, as it shouldn’t be as sensitive to returns from any single market. I know the ideas of diversification and asset allocation can often seem confusing and a bit overwhelming. Perhaps getting more education on these topics by sitting down with a financial advisor may help you better navigate these waters. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 228 Bravias Financial
Analysis of insurance companies
 
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Financial analysis of insurance companies
Views: 10624 Financial analysis
Retirement Investing Pitfall #5 - Recency Bias
 
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This week we will discuss Retirement Investing Pitfall #5 from my book Plan Smart Retire Right. This pitfall is called Recency Bias. We’ve all heard the phrase “past performance is not indicative of future results.” However, many investors fail to take it seriously when making decisions about their investment strategy. Recency Bias is this is the tendency of people to purchase investments which have recently performed well, or stay away from investments that have performed poorly. This type of behavior typically manifests in people chasing the top performing stocks, mutual funds, or ETFs with the belief that the performance is likely to continue going forward. Also, recency bias can be seen when investors pull out of a falling market and then when the market turns, they sit on the sideline afraid to jump back in. Often, these exaggerated moves up and down happen because many investors are trying to time the market and chase returns. However, often the opposite can happen, and the top performing investments in any one year (or years) may turn out to be poor performers in following years. As a financial advisor, a big part of my job is explaining effects like this to clients whom are tempted to invest their hard-earned savings based on recent performance, rather than taking long-term considerations into account. Investors who chase the latest hot-performing investments run the risk of hurting the long-term performance of their retirement savings and missing out on the power of compound interest. Investments that outperform over a certain period don’t typically run straight up forever, and can often underperform over a period of time that directly follows. In most cases, the saying holds true: “what goes up, must come down.” To avoid falling victim to recency bias, it’s important to view the performance of asset classes over an extended time period, perhaps a 10-year time frame at a minimum. This means you need to be able to stick to your long-term strategy, be patient, and ride out the ups and downs. Markets are cyclical, and investing a disproportionate amount in one sector or stock on the basis of recent outperformance subjects your portfolio to the risk of underperforming in the next period. Since markets on any given day could become overvalued, undervalued, or anywhere in between, it’s important to not let recency bias dictate your moves. Broadly diversifying your portfolio should reduce the risk of this type of subpar performance, and offers a more measured and disciplined approach to achieving your retirement savings goals. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 236 Bravias Financial
Terraform Power - is TERP Stock a value - High Dividend Investment
 
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Terraform Power is a Solar Power and Wind Power company with a high dividend yield. Are they a good investment? is TERP a value stock? is TERP's dividend good? We answer these questions in this video. ★☆★ Subscribe: ★☆★ https://goo.gl/qkRHDf Investing Basics Playlist https://goo.gl/ky7CJq Investing Books I like: The Intelligent Investor - https://amzn.to/2PVhfEL Common Stocks & Uncommon Profits - https://amzn.to/2DAV8h9 Understanding Options - https://amzn.to/2T9gFSp Little Book of Common Sense Investing - https://amzn.to/2DfFGG2 How to Value Exchange-Traded Funds - https://amzn.to/2PWSkRg A Great Book on Building Wealth - https://amzn.to/2T8AKZ1 Dale Carnegie - https://amzn.to/2DDAk8w Effective Speaking - https://amzn.to/2DBncAT Equipment I Use: Microphone - https://amzn.to/2T7JxL6 Video Editing Software - https://amzn.to/2RQM1vE Thumbnail Editing Software - https://amzn.to/2qIUAgP Laptop - https://amzn.to/2T4xA8Z DISCLAIMER: I am not a financial advisor. These videos are for educational purposes only. Investing of any kind involves risk. Your investments are solely your responsibility. It is crucial that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments. Please consult your financial or tax professional prior to making an investment. #LearnToInvest #StocksToWatch #StockMarket
Views: 1544 Learn to Invest
Eric Weinberg - Group Capital, LLC.
 
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Vice President of Business Development Eric brings more than 12 years of financial services experience as a financial planner, registered investment advisor, and manager at various independent broker/dealers as well as several Fortune 500 insurance companies. Eric last served as a manager of financial services, a position in which he supervised 40 representatives and was responsible for recruiting, training, and coaching a team of financial services professionals. Eric has served, or currently serves, as President of the Kiwanis Club of Scranton; President of the National Association of Insurance and Financial Advisors for both the Pennsylvania and Northeast Pennsylvania chapters; President of Temple Hesed of Scranton; board member of the Jewish Federation of Northeastern Pennsylvania; board member of the Jewish Home of Eastern, Pennsylvania; and Treasurer of Jewish Family Services of Northeastern Pennsylvania. A graduate of Keene State College with a Bachelor of Arts degree in broadcast journalism, Eric currently is pursuing an MBA degree from Southern New Hampshire University. He holds FINRA Series 6 (Investment Company and Variable Contracts Products Representative), Series 7 (General Securities Representative), Series 24 (General Securities Principal), 26 (Investment Company and Variable Contracts Products Principal), Series 63 (Uniform Securities State Law), Series 65 (NASAA Investment Advisors Law), Series 79 (Investment Banking Representative), and Series 82 (Private Securities Offerings Representative) licenses and Life, Accident, Health and Property, and Casualty licenses. Eric’s CRD # is 4358669.
Views: 90 Group Capital
Understanding Investment Basics
 
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An introduction to how VALIC can assist in your financial planning. Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA (http://www.finra.org/index.htm), SIPC (http://www.sipc.org) and an SEC-registered investment advisor. VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company. This information is general in nature and may be subject to change. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor.
Views: 5131 VALIC
Operating Leverage: Calculation and Meaning
 
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You will learn what the concept of “operating leverage” means in this lesson, including several different methods to calculate it and interpret it for real companies. You’ll also learn why it sometimes doesn’t tell you as much as you think it does. http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Table of Contents: 0:57 What Does Operating Leverage Mean? 5:16 Formulas to Calculate Operating Leverage 15:25 How to Interpret Operating Leverage in Real Life 20:21 Recap and Summary What Does Operating Leverage Mean? Operating leverage relates to a company’s fixed vs. variable costs – a company with a higher percentage of fixed costs is said to have “high operating leverage,” because as its sales grow, more of those sales trickle down into operating income. For example, software companies tend to have high operating leverage because most of their spending happens upfront in the product development process. Selling each additional copy of a software product costs very little since the distribution is almost free and there are no “raw materials.” On the other hand, consulting or services companies have low operating leverage because most of their spending is variable: as sales increase, their spending increases in lockstep, and as sales decrease, their spending also decreases. So the end result is that operating leverage introduces higher potential rewards, but also greater risk. If a company’s sales increase, it helps to have higher operating leverage. But if they decrease, higher operating leverage hurts them because they won’t be able to reduce spending as quickly. Formulas to Calculate Operating Leverage There are several different formulas for calculating operating leverage: Formula 1: Fixed Costs / (Fixed Costs + Variable Costs) The problem with this one is that most companies don’t spell out what is a fixed vs. variable cost in their filings. Formula 2: % Change in Operating Income / % Change in Sales Formula 3: Net Income / Fixed Costs Formula 4: Contribution Margin / Operating Margin In practice, we tend to use the second formula: the % change in operating income divided by the % change in sales, because it’s the easiest one to apply when you have limited information. However, the other formulas can be useful if you have additional insight into the company’s fixed vs. variable costs. How to Interpret Operating Leverage in Real Life This metric is MOST meaningful when you calculate it for companies in the same industry with roughly the same operating margins. So it doesn’t make sense to use it to compare a software company to a manufacturing company, or to compare a biotech startup to a mature media company. As a company’s operating leverage increases, each *percentage* of sales growth will translate into a higher *percentage* of operating income growth. Consider Company A, with revenue of $1 billion, operating income of $200 million, and operating leverage of 2.0x, and Company B, with revenue of $1 billion, operating income of $200 million, and operating leverage of 1.0x. "Operating leverage" means that when Company A’s revenue increases by 10%, its operating income will increase by 20%, so it will have operating income of $240 million on revenue of $1.1 billion. On the other hand, Company B’s operating income will increase by only 10%, so it will rise to $220 million on revenue of $1.1 billion. In the “Upside” case when sales increase, this is positive because Company A will earn more operating income from those additional sales. But if sales decrease, Company A is worse off because it can’t cut its expenses to match its falling sales to the same degree that Company B can. So it’s similar to debt in leveraged buyouts: more debt increases the potential rewards, but also the risk. On balance, most investors prefer companies with high operating leverage simply because it makes it easier to earn out-sized returns – but it also depends on the investment firm’s strategy, the industry, and the companies involved. RESOURCES: http://youtube-breakingintowallstreet-com.s3.amazonaws.com/105-16-Operating-Leverage.pdf http://youtube-breakingintowallstreet-com.s3.amazonaws.com/105-16-Operating-Leverage.xlsx
Operating Leverage - Explained in hindi
 
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Operating Leverage is the effect of fixed costs on operating profits. In this hindi video, operating leverage is discussed in detail along with formula and calculation. Related Videos: Leverage - https://youtu.be/VzVtL0nnXQI Financial Leverage - https://youtu.be/gSHkZibI4RM ऑपरेटिंग लेवरेज ऑपरेटिंग प्रॉफिट पर निश्चित लागत का प्रभाव होता है। इस हिंदी वीडियो में, ऑपरेटिंग लेवरेज को डिटेल में डिसकस किया गया है फार्मूला और कैलकुलेशन के साथ। Share this Video: https://youtu.be/tk1cL46zLsg Subscribe To Our Channel and Get More Property, Real Estate and Finance Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g If you want to become an Expert Real Estate investor, please visit our website https://assetyogi.com now and Subscribe to our newsletter. In this video, we have explained: What is the meaning of operating leverage? How does operating leverage affect the profitability of a business? Why the degree of operating leverage is important? What is the operating leverage calculation formula? Any business with a high DOL has high fixed costs compared to the variable costs and low DOL has lower fixed costs compared to the variable costs thus low operating leverage companies can survive even during the bad market circumstance. Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Instagram - http://instagram.com/assetyogi Google Plus – https://plus.google.com/+assetyogi-ay Linkedin - http://www.linkedin.com/company/asset-yogi Twitter - http://twitter.com/assetyogi Pinterest - http://pinterest.com/assetyogi/ Facebook – https://www.facebook.com/assetyogi Hope you liked this video in Hindi on “Operating Leverage”.
Views: 10333 Asset Yogi
The Difference Between Term Life Insurance and Permanent Life Insurance
 
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When sitting down with clients to discuss their financial needs and goals, the discussion of life insurance often pops up. When I ask some basic followup questions, I find there’s a lot of misinformation out there. Let’s say you are considering purchasing life insurance to protect you and your family from the unexpected. What do you do next? Which type of policy works best for your budget? How much insurance should coverage should you apply for? It’s no secret that life insurance can provide a much-needed financial safety net for your dependents if you are not around to do so. Mortgages, funeral costs, debts, income replacement – the list of costs can go on and on. But when you’re deciding on a new policy, do you want PERMANENT life insurance, or TERM life insurance? Let’s outline some differences With term and permanent life insurance, please keep in mind that the death benefit guarantee is based on the claims paying ability of the insurance company. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 204 Bravias Financial
Annuities in Retirement
 
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As it stands today, many Americans are anxious about their money and retirement. One of The biggest concerns I hear is that many are worried about retiring with little money to live the lifestyle they want in retirement. I actually once read how people fear running out of money worse than death! Let that sink in for a moment! So, how can you achieve a worry-free retirement for yourself? Here is the article referenced in the video! http://www.wealthmanagement.com/insurance/ibbotson-fixed-indexed-annuities-beat-out-bonds?NL=WM-27&Issue=WM-27_20180310_WM-27_602&sfvc4enews=42&cl=article_1&utm_rid=CPG09000008811704&utm_campaign=12925&utm_medium=email&elq2=ba9e44b885094d31adf25d8399510e64 Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 217 Bravias Financial
Bravias Financial: Who We Are - BraviasFinancial.com
 
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Financial success is about defining your goals, developing a strategy, and working with the right wealth management firm that can help execute that plan and get you from here to there. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision.This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 2168 Bravias Financial
NTS Bearing Total Wealth Management: As Seen in Kiplinger
 
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Affluent Families Benefit from Coordinated, Client-Focused Investments Amid the economic crisis of 2008/2009, the timing seemed risky for financial advisor Nilos T. Sakellariou, CFM, to launch his independent wealth management practice. Sakellariou’s gut instinct, however, told him it was the ideal time to walk away from the world of mega-sized wealth management firms whose investing strategies are often driven by sales quotas. Typically, advisors who leave large firms also leave behind a significant number of their clients. Not so for Sakellariou, who was a 20-year veteran of the industry with a long track record of maintaining client relationships through both good and bad times. In 2008 when other advisors struggled to keep clients due to market losses, Sakellariou ranked in the top 1% of all Merrill Advisors on both client retention and client acquisition, without losing a single household during that difficult year for the industry. When the doors of NTS Bearing - Total Wealth Management opened the following year, his clientele of high networth and prominent families remained intact – a testament to the high-value his clients placed on his prudent advice and consistent service over time. Today, Sakellariou continues to counsel his clients with his expertise in the areas of investments, planning, taxation, trusts and estates. Sakellariou graduated with Honors in the field of Economics from The College of Wooster and has a strong background in both Mathematics and Statistics. He also earned the prestigious designation of Certified Financial Manager (CFM), a Merrill Lynch certification that addresses the needs of business owners in addition to the advanced planning needs of highnet worth families. Among his peers, Sakellariou is highly respected for his overall professionalism and his expertise in the areas of retirement/financial planning, portfolio structure, asset allocation, asset placement and security selection. Likewise, Sakellariou’s full-time partners have met the stringent requirements of Certified Financial Planner, Certified Public Accountant and Personal Financial Specialist, the last of which is a credential granted only to CPAs with significant personal financial planning education and experience. NTS Bearing - Total Wealth Management is a registered office of Arete Wealth Management, LLC, FINRA, SIPC, NFA. Arete Wealth is a full-service Broker-Dealer, Registered Investment Advisor and Insurance firm that offers wealth management for high-net worth individuals and institutions, alternative investments, venture capital and private equity programs, all which complement Sakellariou’s diversified investment strategies. He has consistently earned the title of “Elite Advisor” from Arete Wealth, an annual recognition bestowed upon the firm’s top financial advisors. Sakellariou’s overall investment process has always set him apart from the average advisor. From the beginning of his career, he has focused on helping clients employ an investment methodology often referred to as Endowment Theory. This is a multi-asset class investment approach that includes a client determined Risk Budget. Endowment Theory is most commonly practiced by institutions and endowment funds, which are often cited as having some of the highest risk-adjusted investment returns over time. Since the early 2000’s, Nilos has also been among the top US advisors in securing Institutional Oriented Private Equity and Hedge Funds for his qualified clients’ portfolios. Some of these specialized investment opportunities are closed to new investors or are over-subscribed by institutional investors. However, Sakellariou’s long history of investing in this space and his strong industry relationships have resulted in him often getting a call when one of these investment opportunities opens up. Sakellariou has also built his practice following the “Family Office” model. As such, financial decisions are made with the entire family’s goals and objectives represented. Customized investment strategies blended specifically to match your lifestyle. Capital Preservation & Liquidity FDIC-Insured Money Markets Accounts Money Market Funds FDIC-Insured Short-Term Certificates of Deposit Capital Stability & Income State Municipal Bonds Corporate Bonds Fixed & Variable Annuities Capital Appreciation Individual Stocks Exchange-Traded Index Funds Separately Managed Accounts Mutual Funds Alternative Investments Hedge Funds* Managed Futures* Private Equity* *Available to Qualified Investors Only As Seen in Kiplinger https://www.kiplinger.com/article/investing/T064-C000-S017-nts-bearing-total-wealth-management.html NTS Bearing - Total Wealth Management 61 Cornhill Street Annapolis, MD 21401 (410) 263-1313 | NTSBearing.com Securities offered through Arete Wealth Management, LLC. Member FINRA, NFA, SIPC.
CORPORATE PROFIT, STOCKS, AND METALS. Q&A with Lynette Zang and Eric Griffin
 
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New to ITM Trading? Get your FREE ITM INVESTMENT GUIDE: http://info.itmtrading.com/thanks-yt-free-guide/?ytv=QA09052018 Link to Slides and Sources: https://www.itmtrading.com/blog/corporate-profit-boom-stocks-skyrocketing-qa-lynette-zang-eric-griffin/ Question 1. Tony B: When Venezuela did their reset and removed five zeros. What did they reset their gold prices at? Question 2. Ryan J: is accumulating gold in 1/10 oz a good idea for budget buying? Question 3. Mike A: are you saying that the corporate profit boom is like the pre-1929 credit boom soon to go bust? just a bubble? Question 4. Mark N: so far the stock markets are skyrocketing to the moon and gold silver are crashing Down. Why? Question 5. Kauai Martial Arts: What has historically happened to Government pensions after the reset? Question 6. Frank B: With gold being a way for the average person to defeat the nefarious schemes of the ruling elite. I wonder if the elite are already ahead of us with some policy waiting in the wings to deal with gold and silver owners? And it you want to know what to actually DO about all of this, that's what we specialize in at ITM Trading. How do you protect your wealth for the next collapse and financial reset? Yes Gold and Silver, but what types? How much of each? What strategy? If you're asking these questions you're already ahead of the game... We're here to assist you, as it is our mission to safeguard the public from the inevitable downfall of the dollar. We are the most recommended precious metals company in the industry for good reason, because we treat you just as prestigious as our gold. Find out if you're properly protected today... We are here to serve you: 877-410-1414 You can also email us at: [email protected] For Instant Updates and Important News, please follow us on: https://www.ITMTrading.com https://twitter.com/itmtrading https://twitter.com/itmtrading_zang https://facebook.com/ITMTrading By ITM Trading's Lynette Zang ITM Trading Inc. © Copyright, 1995 - 2018 All Rights Reserved.
Views: 14725 ITM Trading
Mortgage Interest Rates | Housing | Finance & Capital Markets | Khan Academy
 
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Understanding how mortgage interest rates are quoted. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/short-sale-basics?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Most people buying a home need a mortgage to do so. This tutorial explains what a mortgage is and then actually does some math to figure out what your payments are (the last video is quite mathy so consider it optional). About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 143863 Khan Academy
What Are Expenses In Economics?
 
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Dictionary and word of the day business expenses are categorized in two ways fixed variable. Expense? Definition and meaning businessdictionary what is an expense? definition of expense by merriam websterexpense the difference? The balance. What is fixed expenses? Meaning of cost carries a slight sense the expenditure in question's being both 'expenses' are decreases economic benefits during definition expense loading amount included premium charged by an insurance company to cover its administrative and maintenance costs expenses accounting period form outflows or depletions assets incurrences liabilities that 2 what represents difference between revenues & period? 4 income statement budget? Income items differ on many fronts, but they also share conceptual proximity some situations identification should include sources anticipated income, such as salary, allowance, wages, educational grants scholarships, international standards board defines follows economics providing 401(k) plans services, fees, expenses, 2013401(k) plan participants investing mutual funds tend hold synonyms for at thesaurus with free online thesaurus, antonyms, definitions. Fixed expenses financial definition of fixed. What is the difference between cost and expense? Quora. Googleusercontent search. An expense consists of the economic costs a business incurs through its operations to earn revenue. Expense? Definition and meaning businessdictionary expense investopedia terms e. Expenses may be in the form of actual cash payments (such as wages and salaries), a computed expired portion (depreciation) an asset, or amount taken out earnings bad debts) common usage, expense expenditure is outflow money to another person decreases economic benefits during accounting period outflows depletions assets incurrences liabilities that result define act instance expending i don't think first class ticket worth added. Replacing components at the end of their useful economic life with modern nov 7, 2002 if it does, investors may as well forget idea that standard setters have ability to set accounting rules try reflect reality. Asp url? Q webcache. Fixed expenses or costs are those that do not fluctuate with changes in jul 15, 2017 the other type of expense is direct costs, which required to create products and services, such as materials undertaken readily identified maintenance treated an. Business expenses definitions census bureau. Businesses are allowed to write off tax deductible expenses on their income returns lower taxable and thus liability money spent or cost incurred in an organization's efforts generate revenue, representing the of doing business. What is expense loading the economic timestypes difference between income and cte resource center verso economics personal finance recognition of providing 401(k) plans investment company synonyms, antonyms fixed variable expenses encyclopedia business terms capital or expense? Department housing public worksthe economist. Other econ
Operating Leverage - What is the definition and formula? - Subjectmoney.com
 
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http://www.subjectmoney.com http://www.subjectmoney.com/definitiondisplay.php?word=Operating%20Leverage Operating leverage is the combination of fixed costs and variable costs. Companies with high fixed costs and low variable costs have a high operating leverage where companies with low fixed costs but high variable costs have a low operating leverage. All else equal, a company with high operating leverage is considered riskier. This is because no matter the level of revenues the company earns, it must still pay for its fixed costs such as interest payments on bonds, bank notes and leases on buildings. A company with a low operating leverage is less risky because its expenses are more related to revenues and therefore fluctuate up and down with revenues. If a company with a low operating leverage experiences a drop in revenues, it is less likely to experience financial distress because its fixed costs are low. Just because a company has a low operating leverage does not mean that it is better than a company with a higher operating leverage. If a company has an opportunity to invest in a project that would earn a higher rate of return than it would cost in interest payments on debt, then the company should accept the project (including the debt) even though it will increase the company's operating leverage. If a profitable company has zero debt, more than likely it has untapped sources of funds in the form of debt. If it doesn't tap into these sources to invest in profitable projects, the company will experience an unseen cost called opportunity cost. The goal for any company is to maximize the value of the company without putting the company at risk of experiencing financial distress. https://www.youtube.com/user/Subjectmoney https://www.youtube.com/watch?v=u_bnYMVoNyY
Views: 3692 Subjectmoney
Sensitivity Analysis for Financial Modeling Course | Corporate Finance Institute
 
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Sensitivity Analysis for Financial Modeling Course | Corporate Finance Institute Enroll in the full course to earn a certificate and advance your career: http://courses.corporatefinanceinstitute.com/courses/sensitivity-analysis-financial-modeling This advanced financial modeling course will take a deep dive into sensitivity analysis with focus on practical applications for professionals working in investment banking, equity research, financial planning & analysis (FP&A), and finance functions. Course agenda includes: Introduction Why perform sensitivity analysis? Model integration - Direct and Indirect methods Analyzing results Gravity sort table Tornado charts Presenting results By the end of this course, you will have a thorough grasp of how to build a robust sensitivity analysis system into your financial model. Form and function are both critical to ensure you can handle quick changes and information requests when you're working on a live transaction.
Capital Asset Pricing Model (CAPM) - Part 2 (Equation)
 
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ZACH DE GREGORIO, CPA www.WolvesAndFinance.com This video walks through the equation for the Capital Asset Pricing Model (CAPM) and explores the assumptions for each variable. The video walks through the equation twice: first as an overview, and then second to discuss the variables in depth. We are trying to determine the expected return based on the riskiness of the investment. Risk Free Rate refers to the most risk averse investment in the market. Market Risk Premium tells you how much riskier is the market over the Risk Free Rate. For instance, an index fund will be a certain level of risk over the Risk Free Rate. Beta compares the variability of the individual opportunity with the overall market. 1 is a Beta that is the same as the market. Why do we calculate risk this way? It acknowledges the financial world is interrelated. It compares the riskiness of the investment versus the market versus the risk free rate. The reason this is important, is if you invest in a stock that is riskier than the market and the market does well, the stock should have performed even better than the market to compensate you for the risk you hold. It is important to understand the assumptions. The Risk Free Rate is sometimes the U.S. treasury. However, the treasury is a market that changes over time. Not only that, the historical value is no guarantee of the future value. The Market Risk Premium is also an assumption of future risk rates. We are also making a large assumption by defining the market. Beta is also assumptions. Beta is calculated by regression analysis. Different financial websites will show different results for Beta, because of different assumptions. Even with all the assumptions, the equation is still useful. In a practical sense, you perform a lot of analysis and you get a sense of reasonable values. The video shows an example, plugging in values to the equation. What the CAPM accomplishes is a process of making a financial decision about a future opportunity. As a business person, the better you can get at going through this process and being thoughtful about your assumptions, the better your financial outcomes will be. Neither Zach De Gregorio or Wolves and Finance Inc. shall be liable for any damages related to information in this video. It is recommended you contact a CPA in your area for business advice.
Views: 2710 WolvesAndFinance
4 Signs You Aren’t Saving Enough Money
 
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According to Bankrate.com, 65% of Americans end up saving little or nothing at all? And, only 39% can cover a $1,000 emergency? This begs the question, are you saving enough money? Here’s 4 signs that you need to be saving more. Number 1, you don’t have a savings goal. Think about it, If you don’t know where you’re going, how are you supposed to get there? Having a true, written-out savings goal allows you to start setting aside a certain amount of money every week (or month) to start building towards your future goals. In my opinion, if it’s not a realistic goal and written down, it’s just a dream. Second, you don’t have an emergency fund. When disaster strikes, are you prepared? If you have a medical emergency, lose your job, or your car breaks down, your personal “safety net” should be there for you. If you don’t have an emergency fund, start one RIGHT away and work towards getting at least 3 months of your monthly expenses in it as quickly as possible. You’ll be thankful you did. The 3rd sign that you need to be saving more…you have no idea how much you spend. Do you know where all your money goes each month? Do you have a monthly budget set up? Keeping track of all your expenses; from housing costs, to auto expenses and gas, to groceries and travel, are vital. If you know what’s going out, you can probably find ways to cut back. And by cutting back, you will be able to save more for your future. And lastly, a sure sign that you need to be saving more is when you can’t fully pay off your credit card balances each month. Your credit card has a minimum payment due each month, and if you can’t pay that, then you’re certainly not saving enough. That means you’re spending more than needed and the danger is that your interest will pile up. This is a surefire way into heavy credit card debt, so make sure you’re paying your credit card off each month. Do you have a savings plan? Do you feel like you could be saving more? We can help you get on the path to financial freedom. Feel free to call us anytime. https://www.bankrate.com/banking/savings/financial-security-0118/ Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 270 Bravias Financial
Stock Valuation: The Variable Growth Case
 
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A brief demonstration of the dividend capitalization method for stock valuation using multiple growth rates in dividends
NMIMS Unique Assignments   Find the company’s weighted average cost of capital  If the company accep
 
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2018 Dec NMIMS Solved Assignments. Customized NMIMS Assignments NMIMS Unique Assignments NMIMS 2018 DEC Assignments NMIMS PGDM Assignments NMIMS MBA Solved Assignments Academic Writing Service [email protected] 70199-44355 Corporate Finance ABC Co. sells 10,000 units at a price of Rs. 10 per unit. ABC’s total fixed cost is Rs. 20,000, Interest expense 10,000, and variable cost is Rs. 6 per unit. Find ABC’s degree of operating leverage, degree of financial leverage and find degree of total leverage. ABC’s parent company has Rs. 2.5 million is assets that are currently financed by 100% equity. Its EBIT is Rs.600,000 and its tax rate is 30%. If ABC’s parent changes its capital structure to include 40% debt, what is its ROE before and after the change? Assume interest rate on debt is 10%. Comment why the ROE increases after adding debt. Assuming all other things remain same, how will the ROE change if interest on debt is suddenly increased to 20% ? Elaborate on the same (10 Marks) 2. Kuber Company has a target capital structure of 50% debt and 50% equity, with an after tax cost of debt of 8%. Cost of retained earnings is 14%. Its profit after tax is Rs, 250,000. Kuber is considering the following projects to invest in Project Size of project IRR of project Project A 100,000 12.0% Project B 120,000 11.5% Project C 120,000 11.0% Project D 120,000 10.5% Project E 100,000 10.0% Find the company’s weighted average cost of capital. If the company accepts all the projects that it could invest in just from its profit after tax and considering their IRRs, which projects should it take up? Give reason. What will be its total investment in these projects? Taking into account its target capital structure, how much of equity portion should the company invest in these projects? If the company follows Irrelevance Approach (Modigliani and Miller) or residual dividend policy, what will be its dividend payout ratio? (10 Marks) 3. Hi-Tech company’s partial balance sheet for 2 years is given below Due to a new product launch, Hi-Tech’s sales grew at a faster pace in year 2018. HiTech’s working capital bank had been assessing its Maximum Permissible Bank Finance (MPBF) under Method 1 till 2017, but due to a credit squeeze it suddenly changed to Method 2 in year 2018. a) What is the change in net working capital between 2018 and 2017? (5 Marks) b) What is the change in MPBF limit assigned by the bank from year 2017 to 2018? With this change in MPBF limit, will the working capital financing from the bank increase or decrease? (5 Marks) Academic Writing Service [email protected] 70199-44355
Views: 19 Academic writing
What is a SPV?
 
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What is a SPV? http://estatebaron.com.au A SPV stands for Special Purpose Vehicle. When it comes to property development a project usually has a set duration - extending from a few months to a few years. The developer comes with the idea for a project, investors invest in it and then after the completion of the project everyone goes their own way. A Special Purpose Vehicle is a structure setup specially to bring all the people together who are involved into a formal structure. The SPV can be a company or a trust structure – at Estate Baron we normally use a company SPV. The Developer usually becomes the Director of the SPV setup specially for the development and while there is no restrictions on what you name the SPV, we normally name it as the address of the development to make it easy to recognize. While the Developer runs the show, in order to protect the investors we do nominate Directors to the SPV who can step in to take control if the project starts collapsing. All investors take an equity share in the SPV and the land is held in the name for the SPV. Any debt is also taken by the SPV but is guaranteed by the Developer (not investors). We also require that the developer invest some money from his side as well apart from leading the development to ensure he has enough skin in the game. Start or grow your property portfolio using crowdfunding at http://estatebaron.com.au today!
Views: 49937 Estate Baron
Retirement Investing Pitfall #10 - The Herding Effect
 
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This video series on retirement investing pitfalls is pulled from my book Plan Smart Retire Right. Our previous video covered the phenomenon often referred to as the Unbalanced Loss Effect. This video is going to briefly touch on another pitfall, and behavior, called The Herding Effect. While the herding affect in animals is well documented, its impact on investors has come into focus in recent years as well. We are a social species, so it’s no surprise people find comfort in doing things together. This tendency is easy to see in a wide variety of social circumstances such as sporting events, cultural events, and even fads that sweep across a population, only to fade away almost as fast as they began. Think fidget spinners, Pokémon, roller discos, and mullets. When it comes to investing, time and time again, people are more likely to invest in a stock if it seems to be popular with other investors, friends or family members, perhaps due to this same herding instinct. While this may be helpful, or at least harmless in social situations, when dealing with investing it can often be counterproductive. Given that a fundamental investing principle is to buy low and sell high, if a stock is already popular among investors, the price may be at an elevated level and overvalued. So, investors buying into the stock at these higher prices may be taking more risk than is prudent for their particular situation, especially when investing for retirement. And this can be compounded when we are talking about markets in general, not just a particular stock. Listen, we all get tempted to follow the latest investment fad, and I am not saying that there isn’t potential of them working out, but in my opinion, I think it makes sense to tread lightly and not throw too much money into one particular idea, even if the herd is doing so. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 239 Bravias Financial
Younger Investors vs Older Investors
 
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Do you feel older people should be invested the same way as younger people? Probably not. And why? Well, when you’re younger and the market experiences significant corrections or crashes, you have time to wait for it to come back. But as you get older, and these corrections or crashes happen later in life, they can adversely affect even the best-devised retirement plans. While accumulating assets during your younger years, it often makes sense to take a more growth-oriented approach to retirement investing. If started early enough, younger people have 30 to 50 years to allow their savings to grow. And because they have time to recover from a market downturn, investing more heavily in equity investments (like ETFs, mutual funds and stocks) allows them to take advantage of the potentially higher returns that can be realized over long periods of time. On the other hand, as we get older, we don’t have time on our side. As we age, our investment focus should shift towards safety and protection of our nest egg. As you head into retirement, your main earning years will be behind you. Yes, It’s important to continue to keep your money working for you with the strategy of growth over time, but you also need to hedge and reduce risk as you get older to guard your retirement funds with as much principal safety as possible. That being said, a great exercise in figuring out the appropriate amount of risk you should have in your portfolio is to perform a risk assessment and examine how you respond to questions that directly measure your risk aversion. These questions help determine your risk tolerance, time horizons, income needs, goals and objectives, and can typically offer some additional guidance as to how much risk you’re actually taking, and what may be a more appropriate mix for you. This can help determine how you should be investing your money based on your personal financial situation, and a financial advisor can help shed some light on this for you. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 162 Bravias Financial
Retirement Investing Pitfall #6   The Clustering Illusion & The Hot Hand Fallacy
 
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As we continue through our video series Retirement Investing Pitfalls, this video is going to touch on Pitfall #6, and what is referred to as The Clustering Illusion (and The Hot Hand Fallacy). The clustering illusion is the belief that things happen in bunches or clusters and signify something meaningful is happening, vs. the thought that the events are totally random. For instance, while many studies have shown that active mutual fund managers, on average, underperform broad indices such as the S&P 500, investors often still invest in fund managers who’ve beaten the S&P 500 recently on the assumption that they will continue to do so. Now, while there are certainly fund managers that have the skill to consistently outperform the market, in many cases a fund manager’s success can be attributed to other factors, such as breaking news, market conditions or even luck, rather than the manager’s skill set. Further, as these market conditions change, many of these managers wind up underperforming, WHICH can turn out to be a frustrating experience for investors. Given the challenge in determining whether a particular investment manager has enough skill and performance to make up for the fees being charged, most of our clients choose to use lower-cost ETFs to map out their investment strategy. The natural tendency to buy funds run by managers with good recent track records, is often referred to as the hot hand fallacy. To illustrate how this works, let’s use a basketball analogy. When players pass the ball to a specific player who has made a number of shots in a row recently, they do so by assuming that player is more likely to make the next shot. This is the hot hand fallacy at play. The fact is, the player being passed the ball is usually no more likely to make that shot…based on what their average shooting percentage says. In my opinion, when building an investment portfolio, I think it’s prudent to look at how a fund manager has performed over a longer period of time, like 10 years for example. This way, you can gauge how they handle markets that more up, down or sideways, and then compare that performance to how the overall market has performed during the same time period. Also, when analyzing performance, be sure to look at the real return, after deducting the funds internal management fees, just to see a truer picture. nvestment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
Views: 247 Bravias Financial
Konrad Bobilak - Property Investing and Advanced Finance Webinar
 
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For dates and venues to the latest Real Estate Investing Fast Track Weekend Live Event go to; http://www.realestatefasttrack.com.au/?utm_source=Youtube To access the latest projects offered by Investors Prime Real Estate go to; http://www.investorsprime.com.au For further education on how to build and structure a Multi-Million Dollar Property Portfolio from Scratch go to; http://www.RealEstateDVD.com.au SUBSCRIBE TO MESSENGER: Gain special access to loads of FREE Property Investing resources - http://bit.ly/InvestorsPrimeSubscribe To keep up to date with the latest videos, blogs, eBooks, from Konrad Bobilak go to; http://www.konradbobilak.com.au Dear fellow property investors, Whilst a small percentage of the Australian population has managed to increase their wealth thorough property investing, very few are actually maximizing their returns and fewer still have worked out how to best optimize their financial structures. Whether or not you are aware of this, this is costing you money, and more importantly the opportunity cost of time, and missing out on the potential of paying off your (non-tax deductible ‘bad debt’) home loan sooner, as well as missing out on accumulating more investment properties (tax deductable ‘good debt’) in your property portfolio. And here is the harsh reality… From my personal experience and observations working in the Mortgage Broking and banking industries, most property investors settle for under-performing property portfolios as well as unsuitable loan structures that are robbing them of thousands of dollars per year… The good news is that you don’t have to be one of those people… And that’s the reason why I recorded this webinar…this was my number 1 objective. You see, whilst there is a plethora of information out there on how to find the best performing suburbs and properties, and about market timing, etc., very few companies and/or individuals are teaching the fundamentals behind how to best structure a large property portfolio, from purely a finance perspective. The Advanced Finance Webinar reveals the ‘secret recipe’ on how to correctly structure your finances with the objective of maximizing leverage, tax efficiency, whilst focusing on buying more investment properties and simultaneously paying off your home loan in record time. By watching this webinar, you will gain an insight into the industry’s best practices that have been applied by other successful property investors who have built and structured multi-million dollar property portfolios. But if that’s not enough… Here is just a snapshot of some of the key distinctions that you will learn by watching this webinar’; 1. You will learn a ‘proven method’ of how to pay off your current 30 year Principal and Interest Mortgage in 10 years or less without making any additional payments, saving yourself tens of thousands of unnecessary interest repayments and years off your mortgage. 2. You will learn how to best structure your first investment property acquisition, whereby you are maximizing your tax deductions, and tapping into the power of leverage. 3. You will learn how to beat the banks at their own game by understanding the exact formulas that the banks use to work out how much money you can borrow, (Debt Servicing Ratio (DSR). 4. You will understand the importance of balancing your property portfolio between Cash-Flow Positive properties and Negatively-Geared growth properties. 5. You will learn how to get 1% plus discounts off your standard variable loan rate, save thousands of dollars in unnecessary interest payments and wipe off years of your loans… plus much, much more. Finally, the main reason I created this webinar is to equip the average Australian with enough financial intelligence to tackle what is perhaps the single biggest financial commitment of their life…their ‘mortgage’. Enjoy, Konrad Bobilak www.BookonFinance.com.au www.investorsprime.com.au
Funds Flow Statement #1 [ Schedule of Changes in Working Capital ] :-by kauserwise tutorial
 
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▓▓▓▓░░░░───CONTRIBUTION ───░░░▓▓▓▓ If you like this video and wish to support this kauserwise channel, please contribute via, * Paytm a/c : 7401428918 * Paypal a/c : www.paypal.me/kauserwisetutorial [Every contribution is helpful] Thanks & All the Best!!! ─────────────────────────── Funds flow statement with adjustment, comprehensive problem, funds from operation, out flow of cash, inflow of cash, sources of funds, application of funds, accounting tutorial. To watch more tutorials pls visit: www.youtube.com/c/kauserwise * Financial Accounts * Corporate accounts * Cost and Management accounts * Operations Research Playlists: For Financial accounting - https://www.youtube.com/playlist?list=PLabr9RWfBcnojfVAucCUHGmcAay_1ov46 For Cost and Management accounting - https://www.youtube.com/playlist?list=PLabr9RWfBcnpgUjlVR-znIRMFVF0A_aaA For Corporate accounting - https://www.youtube.com/playlist?list=PLabr9RWfBcnorJc6lonRWP4b39sZgUEhx For Operations Research - https://www.youtube.com/playlist?list=PLabr9RWfBcnoLyXr4Y7MzmHSu3bDjLvhu
Views: 354531 Kauser Wise
Basic Excel Business Analytics #63: Excel Solver Binary Variable Choose Projects Limited Resources
 
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Download file from “Highline BI 348 Class” section: https://people.highline.edu/mgirvin/excelisfun.htm Learn how to set up and solve a limited resource problem using a Binary Variable and Linear Programming. Use Excel Solver to find the optimal solution that will maximize the NPV of a set of potential projects. Download Excel File Not: After clicking on link, Use Ctrl + F (Find) and search for “Highline BI 348 Class” or for the file name as seen at the beginning of the video.
Views: 22489 ExcelIsFun
What is a Bond? Introduction to Bonds | Definition of Corporate Bonds & Govt Bonds with Examples
 
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Introduction to Bonds - A bond is a fixed income investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate. Bonds are used by companies, municipalities, states and sovereign governments to raise money and finance a variety of projects and activities. Owners of bonds are debtholders, or creditors, of the issuer. Yadnya Book - 108 Questions & Answers on Mutual Funds & SIP - Available here: Amazon: https://goo.gl/WCq89k Flipkart: https://goo.gl/tCs2nR Infibeam: https://goo.gl/acMn7j Notionpress: https://goo.gl/REq6To Find us on Social Media and stay connected: Facebook Page - https://www.facebook.com/InvestYadnya Facebook Group - https://goo.gl/y57Qcr Twitter - https://www.twitter.com/InvestYadnya
Accountants Marbella - 627 616 783 -  Tax Advisors in Marbella
 
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Enlace: http://www.accountantmarbella.com Asesoría Morán is a company that helps its clients save money. It was born at the height of the financial crisis with the dual goals of saving money for its clients and offering unbeatable service at a price tailored to clients' budgets. It offers companies, the self-employed and individuals advice and management services for all types of tax, human resources advice of all kinds, accounting advice and management, and legal advice. Do not miss your chance to save in these difficult times and call us now. We shall be delighted to make saving money for you our No. 1 priority. Advisory services for all types of tax: VAT for companies operating within Spain and abroad, and intra-Community operator processes Advice and presentation of every type of special VAT format and scheme (sales equalization tax, self-employed modules, company VAT) Non-residents' income tax (non-residents' tax planning to minimise tax burdens, presentation of non-residents' tax forms to the tax authorities, rentals, sales of fixed assets with retention of title, proceeds from real estate, refunds of withholdings from non-residents' exempt bank accounts, non-resident companies with and without permanent establishment, etc.) Corporation tax (SMEs, large companies and groups of companies) with accounting services incorporating the 2007 New General Accounting Plan, withholdings and payments on account. Company formations Tax and Social Security registrations Company advice and integrated management Taxes, payroll, contracts, accounting, annual accounts Tax planning Advice on property tax transfer advice and document duties (management of taxes and duties on all types of real estate acquisitions such as capital gains, arranging notaries, checking all types of contracts and deeds) Death duties and gift taxes Advice on inheritance, totally professional processing all aspects of death duties, undertaking in-depth studies of the contents of the will, presentation of the death duties form to the Junta de Andalucía, minimising the tax burden to the extent the law permits Advice on donations from companies or large estates to optimise the tax situation before inheritance Presentation of donations tax to the tax authorities Change of company ownership to qualify for 99% deduction of donations tax Personal income tax (IRPF), advice on the best way of securing a lower tax bill, benefiting from the credits and deductions that my company will be delighted to advise you on when making your declaration Self-employment accounting (income, expenditure and capital items) and undertaking all tax matters. (VAT, normal and modular IRPF, withholdings and payments on account) Capital gains tax advice Investment portfolio optimisation Company formation, variable capital investment companies (SICAV) for large capital holdings, companies created for sale, etc. Tax planning through strategies to optimise/minimise the tax burden arising from the client's need to pay a range of taxes (IRPF/Corporation Tax/VAT/Capital Gains Tax/Capital Transfer Tax) Representation before tax authorities in Management, Tax Collection, Inspection, Presentation of appeals and complaints.
Views: 29 Social Once
Business Plan-What is Fixed Cost and Variable Cost?
 
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http://www.CapitalMatchPoint.com - Discover what fixed and variable costs are and how small business investors use them to evaluate your company. Get a COMPLETE TRANSCRIPT of this video at: http://capitalmatchpoint.com/content/business-plan-what-fixed-cost-and-variable-cost Hosted by Mark Bass, MBA, The Capital MatchPoint, Contact us for any questions about business investors, valuing a business, entrepreneurship ideas, and investment in a business.
Views: 3027 findinvestors
Retained Earnings & Investment Ratios | Financial Accounting | CPA Exam FAR | Chp 11 p 3
 
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P/E ratio, pe ratio, stock options, dividend yield, financial ratio, Ratio analysis, book value per share, return on stockholders equity, return on equity, payout ratio, retention ratio, financial statement analysis, profitability ratio, long term solvency ratio, cash dividend, property dividend, liquidating dividend, stock dividend, small stock dividend, large stock dividend, cpa exam
Term life insurance and death probability | Finance & Capital Markets | Khan Academy
 
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Understanding an insurance company's sense of my chances of dying. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/investment-vehicles-tutorial/hedge-funds/v/hedge-funds-intro?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/investment-vehicles-tutorial/life-insurance/v/term-and-whole-life-insurance-policies-2?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: It is a bit of a downer to think about, but we are all going to die. Do we care what happens to our loved ones (if they really are "loved" than the answer is obvious). This tutorial walks us through the options to insure our families against losing us. The reason why we stuck it in the "investment vehicles" topic is because it can also be an investment that we can use before we die. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 217577 Khan Academy
Interest rate swap 1 | Finance & Capital Markets | Khan Academy
 
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The basic dynamic of an interest rate swap. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/derivative-securities/interest-rate-swaps-tut/v/interest-rate-swap-2?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/derivative-securities/credit-default-swaps-tut/v/financial-weapons-of-mass-destruction?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Interest is the basis of modern capital markets. Depending on whether you are lending or borrowing, it can be viewed as a return on an asset (lending) or the cost of capital (borrowing). This tutorial gives an introduction to this fundamental concept, including what it means to compound. It also gives a rule of thumb that might make it easy to do some rough interest calculations in your head. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 265076 Khan Academy
Mark Warner explains Variable Annuities
 
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http://ratewindow.com Mark Warner talks about variable annuities and why they might be the right investment for you. Variable annuities work with insurance companies who offer an umbrella over a number of mutual funds. Investors have the ability to choose which mutual funds to invest in to meet their financial objectives.
Views: 1346 Mark Warner
DistPub com Corporate Finance Dec 18
 
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Q1. ABC Co. sells 10,000 units at a price of Rs. 10 per unit. ABC’s total fixed cost is Rs. 20,000, Interest expense 10,000, and variable cost is Rs. 6 per unit. Find ABC’s degree of operating leverage, degree of financial leverage and find degree of total leverage. ABC’s parent company has Rs. 2.5 million is assets that are currently financed by 100% equity. Its EBIT is Rs.600,000 and its tax rate is 30%. If ABC’s parent changes its capital structure to include 40% debt, what is its ROE before and after the change? Assume interest rate on debt is 10%. Comment why the ROE increases after adding debt. Assuming all other things remain same, how will the ROE change if interest on debt is suddenly increased to 20% ? Elaborate on the same Q2. Kuber Company has a target capital structure of 50% debt and 50% equity, with an after tax cost of debt of 8%. Cost of retained earnings is 14%. Its profit after tax is Rs, 250,000. Kuber is considering the following projects to invest in Find the company’s weighted average cost of capital. If the company accepts all the projects that it could invest in just from its profit after tax and considering their IRRs, which projects should it take up? Give reason. What will be its total investment in these projects? Taking into account its target capital structure, how much of equity portion should the company invest in these projects? If the company follows Irrelevance Approach (Modigliani and Miller) or residual dividend policy, what will be its dividend payout ratio? (10 Marks) Q3. Hi-Tech company’s partial balance sheet for 2 years is given below Due to a new product launch, Hi-Tech’s sales grew at a faster pace in year 2018. Hi-Tech’s working capital bank had been assessing its Maximum Permissible Bank Finance (MPBF) under Method 1 till 2017, but due to a credit squeeze it suddenly changed to Method 2 in year 2018. a) What is the change in net working capital between 2018 and 2017? (5 Marks) b) What is the change in MPBF limit assigned by the bank from year 2017 to 2018? With this change in MPBF limit, will the working capital financing from the bank increase or decrease? (5 Marks)
Views: 46 distpub
Retirement Investing Pitfall #9 - The Unbalanced Loss Effect
 
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This video is going to cover yet another retirement investing pitfall which is referred to as The Unbalanced Loss Effect. So, let’s say you buy a stock for $100 a share, and the stock declines in value to $70 per share. You have suffered a 30% loss in the value of the stock. Now ask yourself, how much would the stock have to rise in value for you to get back to breakeven? I know that 30% might seem like the obvious answer, but that is in fact, incorrect. Think about it…30% of $70 is $21, meaning that if the stock rises 30% after falling 30%, its value will be $91, which is $9 short of the breakeven point of $100. The fact is, the stock must actually rise about 43% to get back to $100 ($70 times 43% equals $30). This is what’s known as the unbalanced loss effect. Investors who don’t understand this effect are often prone to taking larger risks, with bigger portions of their investments, simply because they don’t fully realize the devastating impact these steep losses can have on their portfolio’s performance. And if these loses happen later in life, they can really set you back in your retirement planning. I feel it’s so important the scale back risk as we get older because huge losses are hard to come back from. Understanding pitfalls like the unbalanced loss effect, and how we need bigger gains on a percentage basis, than our loss, to get back to even. This can ultimately help make sure we better manage our investment risk throughout retirement. Investment Advisory Services offered through Bravias Capital Group, LLC ("BCG"), a New Jersey State Registered Investment Advisor. Bravias Capital Group, LLC and Bravias Financial are independent entities. This video is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable insurance and annuity product are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products and do not refer, in any way, to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company. NOT FDIC INSURED. NOT BANK GUARANTEE. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.While we believe the information in this report is reliable, we cannot guarantee its accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or a solicitation for the purchase or sale of any security. Please consult your financial professional before making any investment decision. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining markets. The indices mentioned are unmanaged and cannot be invested into directly. Past performance does not guarantee future results.
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Total return performance
 
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A brief explanation of total return performance. Recorded on 14 March 2013. The Association of Investment Companies (AIC) represents investment companies, investment trusts and Venture Capital Trusts. We help our member companies deliver better returns for their investors. We provide investment company guides, information, performance data and news to people interested in finding our more about investment companies. Visit the AIC website: www.theaic.co.uk Follow us on Twitter: www.twitter.com/aicpress Find us on LinkedIn: www.linkedin.com/company/5377029