In this tutorial, you'll learn how to analyze Debt vs. Equity financing options for a company, evaluate the credit stats and ratios in different operational cases, and make a recommendation based on both qualitative and quantitative factors. http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Table of Contents: 0:50 The Short, Simple Answer 3:54 The Longer Answer – Central Japan Railway Example 12:31 Recap and Summary If you have an upcoming case study where you have to analyze a company's financial statements and recommend Debt or Equity, how should you do it? SHORT ANSWER: All else being equal, companies want the cheapest possible financing. Since Debt is almost always cheaper than Equity, Debt is almost always the answer. Debt is cheaper than Equity because interest paid on Debt is tax-deductible, and lenders' expected returns are lower than those of equity investors (shareholders). The risk and potential returns of Debt are both lower. But there are also constraints and limitations on Debt – the company might not be able to exceed a certain Debt / EBITDA, or it might have to keep its EBITDA / Interest above a certain level. So, you have to test these constraints first and see how much Debt a company can raise, or if it has to use Equity or a mix of Debt and Equity. The Step-by-Step Process Step 1: Create different operational scenarios for the company – these can be simple, such as lower revenue growth and margins in the Downside case. Step 2: "Stress test" the company and see if it can meet the required credit stats, ratios, and other requirements in the Downside cases. Step 3: If not, try alternative Debt structures (e.g., no principal repayments but higher interest rates) and see if they work. Step 4: If not, consider using Equity for some or all of the company's financing needs. Real-Life Example – Central Japan Railway The company needs to raise ¥1.6 trillion ($16 billion USD) of capital to finance a new railroad line. Option #1: Additional Equity funding (would represent 43% of its current Market Cap). Option #2: Term Loans with 10-year maturities, 5% amortization, ~4% interest, 50% cash flow sweep, and maintenance covenants. Option #3: Subordinated Notes with 10-year maturities, no amortization, ~8% interest rates, no early repayments, and only a Debt Service Coverage Ratio (DSCR) covenant. We start by evaluating the Term Loans since they're the cheapest form of financing. Even in the Base Case, it would be almost impossible for the company to comply with the minimum DSCR covenant, and it looks far worse in the Downside cases Next, we try the Subordinated Notes instead – the lack of principal repayment will make it easier for the company to comply with the DSCR. The DSCR numbers are better, but there are still issues in the Downside and Extreme Downside cases. So, we decide to try some amount of Equity as well. We start with 25% or 50% Equity, which we can simulate by setting the EBITDA multiple for Debt to 1.5x or 1.0x instead. The DSCR compliance is much better in these scenarios, but we still run into problems in Year 4. Overall, though, 50% Subordinated Notes / 50% Equity is better if we strongly believe in the Extreme Downside case; 75% / 25% is better if the normal Downside case is more plausible. Qualitative factors also support our conclusions. For example, the company has extremely high EBITDA margins, low revenue growth, and stable cash flows due to its near-monopoly in the center of Japan, so it's an ideal candidate for Debt. Also, there's limited downside risk in the next 5-10 years; population decline in Japan is more of a concern over the next several decades. RESOURCES: https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Debt-vs-Equity-Analysis-Slides.pdf
Views: 34069 Mergers & Inquisitions / Breaking Into Wall Street
Subscribe to Alanis Business Academy on YouTube for updates on the latest videos: https://www.youtube.com/alanisbusinessacademy?sub_confirmation=1 Finance is the function responsible for identifying the firm's best sources of funding as well as how best to use those funds. These funds allow firms to meet payroll obligations, repay long-term loans, pay taxes, and purchase equipment among other things. Although many different methods of financing exist, we classify them under two categories: debt financing and equity financing. To address why firms have two main sources of funding we have take a look at the accounting equation. The basic accounting equation states that assets equal liabilities plus owners' equity. This equation remains constant because firms look to debt, also known as liabilities, or investor money, also known as owners' equity, to run operations. Debt financing is long-term borrowing provided by non-owners, meaning individuals or other firms that do not have an ownership stake in the company. Debt financing commonly takes the form of taking out loans and selling corporate bonds. Using debt financing provides several benefits to firms. First, interest payments are tax deductible. Just like the interest on a mortgage loan is tax deductible for homeowners, firms can reduce their taxable income if they pay interest on loans. Although deduction does not entirely offset the interest payments it at least lessens the financial impact of raising money through debt financing. Another benefit to debt financing is that firm's utilizing this form of financing are not required to publicly disclose of their plans as a condition of funding. The allows firms to maintain some degree of secrecy so that competitors are not made away of their future plans. The last benefit of debt financing that we'll discuss is that it avoids what is referred to as the dilution of ownership. We'll talk more about the dilution of ownership when we discuss equity financing. Although debt financing certainly has its advantages, like all things, there are some negative sides to raising money through debt financing. The first disadvantage is that a firm that uses debt financing is committing to making fixed payments, which include interest. This decreases a firm's cash flow. Firms that rely heavily in debt financing can run into cash flow problems that can jeopardize their financial stability. The next disadvantage to debt financing is that loans may come with certain restrictions. These restrictions can include things like collateral, which require the firm to pledge an asset against the loan. If the firm defaults on payments then the issuer can seize the asset and sell it to recover their investment. Another restriction is a covenant. Covenants are stipulations or terms placed on the loan that the firm must adhere to as a condition of the loan. Covenants can include restrictions on additional funding as well as restrictions on paying dividends. Equity financing involves acquiring funds from owners, who are also known as shareholders. Equity financing commonly involves the issuance of common stock in public and secondary offerings or the use of retained earnings. A benefit of using equity financing is the flexibility that it provides over debt financing. Equity financing does not come with the same collateral and covenants that can be imposed with debt financing. Another benefit to equity financing also does not increase a firms risk of default like debt financing does. A firm that utilizes equity financing does not pay interest, and although many firm's pay dividends to their investors they are under no obligation to do so. The downside to equity financing is that it produces no tax benefits and dilutes the ownership of existing shareholders. Dilution of ownership means that existing shareholders percentage of ownership decreases as the firm decides to issue additional shares. For example, lets say that you own 50 shares in ABC Company and there are 200 shares outstanding. This means that you hold a 25 percent stake in ABC Company. With such a large percentage of ownership you certainly have the power to affect decision-making. In order to raise additional funding ABC Company decides to issue 200 additional shares. You still hold 50 shares in the company, but now there are 400 shares outstanding. Which means you now hold a 12.5 percent stake in the company. Thus your ownership has been diluted due to the issuance of additional shares. A prime example of the dilution of ownership occurred in in the mid-2000's when Facebook co-founder Eduardo Saverin had his ownership stake reduced by the issuance of additional shares.
Views: 44497 Alanis Business Academy
Debt vs. Equity. Market Capitalization, Asset Value, and Enterprise Value. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/venture-capital-and-capital-markets/v/chapter-7-bankruptcy-liquidation?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/venture-capital-and-capital-markets/v/more-on-ipos?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: This is an old set of videos, but if you put up with Sal's messy handwriting (it has since improved) and spotty sound, there is a lot to be learned here. In particular, this tutorial walks through starting, financing and taking public a company (and even talks about what happens if it has trouble paying its debts). 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: 363970 Khan Academy
Discover Financial Services, a company best known for credit cards, is introducing a home equity loan. CBS News contributor and analyst Mellody Hobson talks to Charlie Rose and Norah O'Donnell about whether or not the terms are right for you.
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The terms of a home equity loan will be dictated by the financial institution, but will almost certainly include requiring a high appraisal value, significant leftover equity and good credit. Make sure home equity loan terms feel comfortable with advice from a registered financial consultant in this free video on home equity. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Views: 58 eHow
CHEAP MONEY INVESTING - HOME EQUITY & BUSINESS LOANS
Views: 928 FreedomForceUSA
CNBC's Hugh Son and Nima Ghamsari of Blend joins 'The Exchange' to discuss how Blend is an example for the future of home equity loans. Receive exclusive commentary from CNBC anchor Kelly Evans: https://cnb.cx/2CWYubi » Subscribe to CNBC: http://cnb.cx/SubscribeCNBC About CNBC: From 'Wall Street' to 'Main Street' to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more. Get the latest news: http://www.cnbc.com/ Find CNBC News on Facebook: http://cnb.cx/LikeCNBC Follow CNBC News on Twitter: http://cnb.cx/FollowCNBC Follow CNBC News on Google+: http://cnb.cx/PlusCNBC Follow CNBC News on Instagram: http://cnb.cx/InstagramCNBC
Views: 632 CNBC Television
Are you a homeowner looking to invest, but don't have the cash you need? Join us on this episode of Deal of the Day, and learn how you can use your current home to fund your next investment! Use code "BDAY" for 30% off ALL BiggerPockets books! --https://www.biggerpockets.com/store
Views: 45674 BiggerPockets
June 14 (Bloomberg) -- Entrepreneur Mark Cuban discusses the U.S. Economy and starting a business with Trish Regan at the Clinton Global Initiative in Chicago on Bloomberg Television's "Street Smart." (Source: Bloomberg) --Subscribe to Bloomberg on YouTube: http://www.youtube.com/Bloomberg On Bloomberg Television's "Street Smart," hosts Trish Regan and Adam Johnson bring you the most important market news and analysis affecting the S&P 500, Dow Jones Industrial Average, and the Nasdaq for your last trade of today and first trade for tomorrow. Broadcasting daily from Bloomberg TV's headquarters in New York, this business news show centered around the closing bell on New York exchanges, is targeted to provide the best analysis of the day's leading market headlines with a mix of original reporting, earnings news and expert sourcing from Wall Street's sharpest options traders, equity strategists and company analysts. Trish Regan and Adam Johnson provide actionable insight on the capital markets daily with regular segments such as "Chart Attack," depicting likely market moves before they happen, and "Insight & Action" which explains original trading ideas that can make you money. In addition, "Street Smart" is filled with breaking news, political analysis, and market-moving interviews with exclusive guests such billionaire investor Carl Icahn, hedge fund titan Bill Ackman, automaker Elon Musk and more. "Street Smart" broadcasts at 3-5pm ET/12-2pm PT. For a complete compilation of Street Smart videos, visit: http://www.bloomberg.com/video/street-smart/ Watch "Street Smart" on TV, on the Bloomberg smartphone app, on the Bloomberg TV + iPad app or on the web: http://bloomberg.com/tv Bloomberg Television offers extensive coverage and analysis of international business news and stories of global importance. It is available in more than 310 million households worldwide and reaches the most affluent and influential viewers in terms of household income, asset value and education levels. With production hubs in London, New York and Hong Kong, the network provides 24-hour continuous coverage of the people, companies and ideas that move the markets.
Views: 4024990 Bloomberg
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One of the most important parts of the venture financing process is negotiating the term sheet. Although only 2-3 pages long, term sheets contain summaries of the critical aspects of a financing. Listen to a simulated negotiation between a VC and an entrepreneur, followed by a discussion on the most important terms. Recorded: February 25, 2009
Views: 23547 Stanford Graduate School of Business
The Balance Sheet helps us to assess the risk of the business. By looking at it you will be able to answer to questions, such as: What is the leverage? Is the company liquid enough? Remember, leverage means the proportion between equity and debt, while liquidity is the capacity of the business to repay for its short-term obligations, to run the operations. Do you want to learn more? Join our course at this link https://www.udemy.com/become-a-financial-analyst-from-scratch-n1/?couponCode=websitecoupon The Balance Sheet is comprised of two main sections: - Assets - Liability and Equity The Assets sections i comprised of: CURRENT ASSETS: -Cash -Petty Cash -Temporary Investments -Accounts Receivable -Inventory GET THE BOOK HERE: https://gum.co/rsooN NON - CURRENT ASSETS - Plant, Furniture, Equipment… and so on. Liabilities are comprised of: CURRENT LIABILITIES - Accounts Payable - Accrued Expenses - Short-term loans NON CURRENT LIABILITIES - Long-term loan Equity is comprised of: - Owner's Equity - Retained Earnings Video transcript: Hi my name is Grandpa John, I will guide you through the accounting section of the MBA in pills offered by the four week MBA. for more business educational videos. check out this link. we saw in the accounting equation video, that the balance sheet, is divided in two main sections. the asset section, and the liability and equity section. more in detail. the asset section is comprised of current assets, and non current assets. main current assets are. cash, accounts receivable, inventories. prepaid expenses. the current assets, are called such, because they are usually on the balance sheet for one year, or less. the current assets are usually listed, on the balance sheet, according to their degree of liquidity. therefore, cash is the most liquid, while prepaid expenses, the least liquid.cash, is available at any time. accounts receivable, sum of money to be received from customers. inventory, a list of goods to be sold. prepaid expenses, sum paid in advance. the non-current assets are also called, long term assets. indeed, those are assets that will stay on the balance sheet for years. such as plants, equipment, furniture, and so on. on the other side of the balance sheet, we have, the liabilities and equity. liabilities, are comprised of current liability and non current liability. current liabiltiies, stay on the balance sheet, for less than a year. non current, for more than a year. Let's see the main current liabilities. accounts payable, sum of money not yet paid to suppliers, that will be washed away, once paid. accrued expenses, sum of money to be paid in the future, such as, payrolls, or tax the main non current liability is, long term debt. such as loans contracted with the bank. then, the equity. in this sub section are reported items, such as, owner's equity, retained profits and other kind of stocks, issued by the organization. lets see now few examples. jim sold $100 worth of clothes. his customer, Janet, paid with credit card. therefore, this will generate an account receivable, for $100, on Jim's balance sheet. jim, has to pay for utilities. since it is the first time he set up the account. he has to pay for $1,000 in advance. this advanced payment, will be shown as, prepaid expense. jim, this month, did not sell part of the clothes he bought in the previous month. the unsold clothes, will become part of his inventories. then, Jim had to pay $50,000 cash, to renovate the store. this $50,000 will show on his balance sheet, as building improvement, therefore, a long term fixed asset. jim, buys clothes for $1,000, with credit card. the payment will be processed in 30 days. this transaction, will generate an account payable, on jim's balance sheet. Jim, goes to the bank, to ask for a long term loan. the bank gives Jim, $50,000. this will generate a bank loan. showed under long term liability, on Jim's balance sheet. after a while. Jim accepts a new partner, Jasmine. Jasmine puts $50,000 and becomes equity partner. this transaction, will show on the balance sheet, as owner's equity. in conclusion, the balance sheet, is one of the main financial statements. it is like an instant picture. and it helps us to assess how risky a business is. in fact, when a company is too indebted. you can see it from the balance sheet. if liabilities are too much in comparison to equity, this can be very dangerous for the business.to summarize. the balance sheet is comprised of two main sections. it is an instant of the business. and, allows us to see how risky a business is. if you liked this video, and you found the topic interesting please live a comment at these links. if you would like to learn more, about other topics, contact us. Grandpa John here. You just enjoyed the accounting section of the MBA in pills offered by the four week MBA.
Views: 285551 The Four-Week MBA
Teach your students about debt and equity financing. In this video a small business owner wants to expand her business, but she must decide how to pay for the truck she needs to haul her product--by loan or equity. This video can be shown along side the lessons from the Entrepreneurship Economics publication.
Views: 26745 Council for Economic Education
What is Equity? What is Debt Investment & Fund Raising meaning? When you invest in an Asset or Business, you have mainly two choices to raise funds - Equity and Debt. Similarly, you can also invest in Equity Investment products such as Equity Shares, Mutual Funds, ULIP, ELSS, Private Equity, Venture Capital etc. or you can invest in Debt Instruments such as Loans, Corporate Bonds, Government and Infrastructure Bonds, Debt Mutual Funds & ULIPs etc. Related Videos: NPV (Net Present Value): https://youtu.be/SpHIBfPGwx8 IRR (Internal Rate of Return): https://youtu.be/x6eXfx2Tv-w Discount Rate: https://youtu.be/XqqD1d713W8 इक्विटी इन्वेस्टमेंट और फंडरेज़िंग क्या होता है? डेब्ट इन्वेस्टमेंट और फंडरेज़िंग का अर्थ क्या है? जब आप किसी संपत्ति या व्यापार में निवेश करते हैं, तो आपके पास फंड्स रेज़ करने के लिए मुख्य रूप से दो विकल्प होते हैं - इक्विटी और डेब्ट। इसी तरह, आप इक्विटी शेयर, म्यूचुअल फंड, यूएलआईपी, ईएलएसएस, प्राइवेट इक्विटी, वेंचर कैपिटल इत्यादि जैसे इक्विटी निवेश प्रोडक्ट्स में भी निवेश कर सकते हैं या आप लोन, कॉर्पोरेट बॉन्ड, गवर्नमेंट एंड इंफ्रास्ट्रक्चर बॉन्ड, डेब्ट म्यूचुअल फंड और यूएलआईपी आदि जैसे डेब्ट इंस्ट्रूमेंट्स में इन्वेस्ट कर सकते हैं। Share this Video: https://youtu.be/5CWrpR6mcFw Subscribe To Our Channel and Get More Property and Real Estate 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 equity investment and fundraising? What is debt investment & fundraising? What is the definition of equity? What is debt? How funds are raised using equity or debt for asset or business? What are some common equity investment product? How does equity fundraising work? What is the concept of equity fundraising? What is the basic concept of equity and debt? How is the concept of equity and debt used in business? What is the difference between equity fundraising and debt fundraising? What options are there for equity or stock investments? Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Google Plus – https://plus.google.com/+assetyogi-ay Twitter - http://twitter.com/assetyogi Facebook – https://www.facebook.com/assetyogi Linkedin - http://www.linkedin.com/company/asset-yogi Pinterest - http://pinterest.com/assetyogi/ Instagram - http://instagram.com/assetyogi Hope you liked this video in Hindi on “Equity & Debt - Investment & Fundraising”.
Views: 63896 Asset Yogi
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Views: 445 Bill Macklem
If you're starting your first company, understanding stock, preferred stock, options, convertible notes and other fundraising instruments can be truly overwhelming. We didn't find a single video that covered this, so here we go. If you are an early-stage startup company in the tech space, the best way to raise capital is with a convertible note or a similar instrument. However, to understand how those work, we first need to understand how stock works. STOCK You are probably familiar with the term 'stock.' A company is divided into chunks, and each shareholder owns a certain percentage of the company, which gives control of company decisions, and a share of the profits. A PRICED ROUND: RAISING MONEY FOR STOCK The 'traditional' approach towards raising capital is with a priced round. Tech companies are different. Tech companies have tremendous scale potential and often fantastic margins. A software product or an app, for example, can realistically operate with 80%+ margins, and serve millions of customers around the world, with a minimal staff. Think of Uber, who raised $500,000 on their first round, and are now worth, well, billions of dollars. So the value of a startup is not related directly to their revenue, but to their potential. Some variables to take into account here are: - The market size, how many customers are there in the world. - The technology variable, is there a unique piece of tech that nobody else has, or that optimizes a process drastically? - Potential margins, how many employees are needed to serve 100,000 customers or 1,000,000 customers? When Instagram had 300 million users, their staff was 13 people. However, all these numbers are variables and theories, and nobody knows for sure. The valuation of a startup is defined by how much potential an investor sees in the business, how risky it is, and how much upside do they want in exchange for risking their money, just like a bet. These days, a reasonable number for a tech company like our theoretical FounderHub would be a $4,000,000 (pre-money) valuation. Again, assuming this is a high scale, high margin business. All of these decisions require negotiations, and lawyers, and signatures to be put in writing, and they can make the process take six months or more from 'agreeing to invest.' Since most early companies don't have six months, they often choose to go with a Convertible Note. If you want to run your own calculations, you can download the free template we have at FounderHub.io?utm_source=youtube.com&utm_medium=video&utm_campaign=video-content&utm_term=fundraising CONVERTIBLE NOTES A convertible note is an instrument that delays the valuation conversation, and it allows the company to access the capital sooner, with less negotiation and much smaller legal fees. A convertible note is like a loan, but instead of using an asset like a house for collateral, the company stock is the collateral. This means, obviously, that the investor also needs to believe in the business to invest, because the note intends to convert into stock. Like I said before, defining a company valuation is tough. Too many variables, too little data... so with a convertible note, the investor is saying: I'll give you the money for you to grow now. In a year or so we should have the data to support a priced, traditional round, so my investment will convert then, with the valuation and terms that the new investors define. So a convertible note is an investment that triggers, - Ideally, on a new round of funding. - Also ideally, if the company is acquired. - At a predefined deadline, often 18 or 24 months after the original investment. At this point, investors can negotiate a note extension, they can convert it at the Cap, or they can request a payback, again, if the company can afford it. Now, YCombinator and 500 Startups have both designed documents inspired by convertible notes, but simpler. And free. The KISS-A (Keep it simple security) and the SAFE (simple agreement for future equity) are simplified convertible note templates that you can use to raise money and skip lawyer fees. You can download it on our FounderHub site, and refer to our knowledge base for more details on completing it. They both work as a convertible note but reducing a lot of the paperwork requirements. Alright. We have videos coming on the process of incorporating a business, distributing founder stock and vesting. Let us know which of those topics you would like us to prioritize. If you found this useful, help us out by subscribing and sharing. ► Subscribe to our Channel Here http://www.youtube.com/subscription_center?add_user=slidebean -- About Us: Slidebean is a pitch deck creation tool with hundreds of templates available to use as a starting point. Thousands of companies have used our platform to pitch investors and raise capital. ---- Follow Us: Twitter: https://twitter.com/slidebean Linkedin: http://www.linkedin.com/company/slidebean
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http://www.aequityl.com We are an Auto Title Loan Company. Auto Equity Loans gives people a loan that is borrowed against a paid off vehicle. (We can also do boats, motorcycles, trucks, SUV's, Trailers, etc..) We make it Easy... Same day funding... YOU keep your car too! We don't check credit. We don't charge any fees either! Call us today and see if we can help you get the money you need today! Short and Long Term Loans available. YOU choose your terms and conditions! YOU CALL THE SHOTS!
Views: 782 aequityl
Equity loans in Chattanooga Tennessee on http://www.lendinguniverse.com TIONS.— hard lender A) FOREIGN NONBANK FINANCIAL COMPANY.—The term ''foreign nonbank financial COMPANY'' means a COMPANY (other than a COMPANY that is, or is treated in the United States, as a bank holding COMPANY or a subsidiary thereof private investors at private hard money lenders that is—. than year before the date on which the Corporation was appointed RECEIVER, if such creditor at the time of the transfer was an insider; and LENDING v) that enables the creditor to receive more than the creditor would receive if— LENDING I) the covered financial COMPANY. product hard money loans excluding matters for which another dis pute mechanism specifically has been provided under Federal law); private hard money lenders the Council determines that the disputing agencies cannot, after a demonstrated good faith ef fort, resolve the dispute without the intervention of the Council; and. ment. hard lender B) NO LIABILITY FOR OTHER DAM AGES.—For purposes of subparagraph hard money loans A), the term ''actual direct compensatory damages'' does not include— LENDING i) punitive or exemplary damages; LENDING ii) damages for lost profits or oppor . large, interconnected bank holding Companies or nonbank financial Companies; LENDING B) to promote market discipline, by eliminating expectations on the part of shareholders, creditors, and counterparties of such Companies that the Government will shield them from losses in the event of failure; and. in connection with a qualified financial contract). hard lender B) INSUFFICIENCY.— hard lender i) IN GENERAL.—Except with respect to a setoff in connection with a qualified financial contract, if a creditor offsets a mutual debt owing to the covered financial. of United States financial markets; LENDING II) to promote market discipline; and LENDING III) to maintain investor confidence . LENDING b) AUTHORITY TO OBTAIN INFORMATION.— HARD MONEY LOANS IN GENERAL.—The Council may receive,. curities hard money loans as such term is defined in section of the Securities Exchange Act of ), mortgage loans, interests in mortgage-related securities or mortgage loans, eligible bankers' acceptances, qualified foreign government securities hard money loans which, for purposes. deems appropriate. LENDING d) RESOLUTION PLAN AND CREDIT EXPOSURE reports PORTS.— HARD MONEY LOANS RESOLUTION PLAN.—The Council may make recommendations to the Board of Governors concerning the requirement that each nonbank financial COMPANY supervised by the Board of Gov .
Views: 6 lender2038
The Rest Of Us on Patreon: https://www.patreon.com/TheRestOfUs The Rest Of Us on Twitter: http://twitter.com/TROUchannel The Rest Of Us T-Shirts and More: http://teespring.com/TheRestOfUsClothing Part 2: https://www.youtube.com/watch?v=fcjmVj5fM5k Credits: Music by The FatRat. https://www.youtube.com/channel/UCa_UMppcMsHIzb5LDx1u9zQ If you're a YouTuber, definitely check The FatRat. The channel offers a wide variety of free-to-use music for your videos.
Views: 1383118 The Rest Of Us
Views: 380 House Hunter of Columbia
Your small business is poised for major growth — but how will you get there? In part 4 of this 50-minute class, Bond Street CEO David Haber explains the differences between debt financing and equity financing, which of the two types you qualify for, and how to weigh the pros and cons of each. Are you a design studio looking to move into a bigger space? A freelancer with an LLC planning to hire a second employee? A coffee shop opening a new location? A production company investing in new equipment? From knowing what your loan options are, to what you need for the application, and the "magic number" you should keep in mind to ensure success, David draws on his experience as both a lender and a venture capitalist to lay out the financing process in simple, clear terms. This class is meant for small business owners in all fields who are looking to dream big and take their companies to the next level. No prior financial knowledge is necessary — all you need is the passion that got you into this business in the first place, and the desire to invest in your own growth. Interested in a loan? Check your rate (It’s free and won't impact your credit score): http://bit.ly/1S2ALYm Click here to learn more about Bond Street: http://bit.ly/1RkMcaH Interviews, news, guides and more: http://bit.ly/1S2ALYm Like Bond Street on Facebook: http://on.fb.me/22jUYh6 Follow Bond Street on Twitter: http://bit.ly/1pmsBQR Follow Bond Street on Instagram: http://bit.ly/1Lp7qrO
Views: 12068 Bond Street
Jayson Bates NMLS #220798 602-573-3101 cell https://www.valleyofthesunrealestateshow.com In this episode of Valley of the Sun Real Estate Show I review the Home Equity Loan. I go over the different types of Home Equity loans and some of the pitfalls of the Home equity loan. If you are looking into a home equity loan then this is some good information for you. Jayson Bates 602-573-3101 https://www.valleyofthesunrealestateshow.com
Views: 11002 Jayson Bates
What is home equity. Because I talk about equity so commonly in my videos, I get lots of questions about what it is. It's very important to understand and makes all the difference in real estate investing. The difference between a investment property with equity and one without equity, is the difference between a treasure chest full of money vs. one that is empty. Hopefully this video clarifies how important it is to invest in properties that have equity waiting for you. Watch and Enjoy! Kris Krohn & Nate Woodbury RESOURSES: ======================== Limitless 3 Day Event: http://bit.ly/2j5r8wM Get Mentoring: http://bit.ly/2lPGp9d Real Estate Investing Help: http://bit.ly/2lPGp9d Free Real Estate Audiobook: http://bit.ly/2oiORxy Free Conscious Creator Audiobook: http://bit.ly/2sZmaYU EQUIPMENT ======================== Camera: http://amzn.to/2oRnnAA Favorite Lens: http://amzn.to/1QEqTF4 External Mic: http://amzn.to/1Sx8Jq0 Camera Backpack: http://amzn.to/2oy5JAR MUSIC ======================== Tobu - Infectious https://www.youtube.com/watch?v=ux8-EbW6DUI Artist: https://www.youtube.com/tobuofficial Licensed under Creative Commons — Attribution 3.0 Unported— CC BY 3.0 Support This Channel: ======================== ==SUBSCRIBE== http://bit.ly/1TOqKBN ==LIKE== Your "Likes" help more people find our videos. ==COMMENT== Comment and ask Questions ==PATREON== https://www.patreon.com/REInvestorTV ======================== Video by Nate Woodbury (The Hero Maker) BeTheHeroStudios.com
Views: 288349 Kris Krohn - Limitless TV
Calculating a home equity loan requires knowing the interest rate of the loan, the term and amount. Formulate a home equity line of credit payment schedule, which differs from a home equity loan, with advice from a licensed mortgage broker in this free video on home loans and equity. Expert: Adriel Torres Contact: ultimatecredittoday.com Bio: Adriel Torres has been in the mortgage business for over a decade. He has owned two mortgage companies and is a licensed mortgage broker. Filmmaker: Christopher Rokosz
Views: 2608 eHow
How to use equity finance (Refinance) to buy investment property DOWNLOAD FREE CHECKLIST: https://yourfirstfourhouses.com/ Equity is the difference between what your property is worth MINUS your mortgage and in today's, I talk through how you can use that equity to buy investment property (Real Estate). If you want to learn how to invest in property, or if you want to build a property portfolio of you own, be sure to download the above property investing checklist, because in there I give you a detailed list of everything I think you need to consider BEFORE buying that first investment property. You are also welcome to download my FREE list of every property related website tool and app you'll need in your property business here: https://goo.gl/qtvdQb If you're thinking of releasing the equity from your property to buy an investment property, I would love to hear from you in the comments section below I wish you every success... Tony Law - Your First Four Houses :-) PS. There are some great opportunities in the property market right now!
Views: 61872 Your First Four Houses
In this video, MicroSave explains the Biashara Imara Lending Cycle, an individual loan product of Equity Bank. This episode discusses the first few steps of the lending cycle, namely, loan application, loan appraisal and analysis. After filling of the loan application, the loan officer visits the business premise and residence of the client for loan appraisal and analysis. The Loan Appraisal process is something that requires a considerable amount of skill and knowledge from the loan officer. Further, the loan officer also carries out background research before moving on to the next step of the lending cycle.
Views: 714 MicroSave
Cary discusses the difference between RMLEFCU's HELOCs and Home Equity Loans.
Debt to Equity Ratio is explained in Hindi. Debt Equity Ratio is an important Leverage Ratio or Solvency Ratio that tells us about the debt position of a company. In this video, we will learn about debt to equity ratio formula, & calculation with an example. Related Videos: Debt Ratio (Debt to Asset Ratio) - https://youtu.be/rKqcT0giY_A Debt To Capital Ratio - https://youtu.be/BhfNAnkI5iY Interest Coverage Ratio - https://youtu.be/6lLYAlPDISE Debt Service Coverage Ratio (DSCR) - https://youtu.be/ATKMbu_7q6M Capital Gearing Ratio - https://youtu.be/V8kgmYdNgCg Liquidity Ratios & Solvency Ratios - https://youtu.be/ZMSW9BYb_Yo डेब्ट टू इक्विटी रेश्यो को हिंदी में एक्सप्लेन किया गया है। डेब्ट टू इक्विटी रेश्यो एक बहुत ही महत्वपूर्ण लिवरेज रेश्यो या सॉल्वेंसी रेश्यो है जो हमे बताता है की हमे कंपनी की डेब्ट की स्थिति के बारे में बताता है। इस वीडियो में हम डेब्ट टू इक्विटी रेश्यो के फार्मूला और कैलकुलेशन के बारे में डिटेल्ड में उदाहरण के साथ सीखेंगे। Share this Video: https://youtu.be/1_tsp82y9-c 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 debt to equity ratio? What is the meaning of liquidity and solvency of company? How to calculate and interpret the debt to equity ratio? How to use debt to equity ratio formula and calculation to analyze the solvency of a company? What is the ideal D/E ratio for any company? How does low debt to equity ratio affect the chance of survival of a business during bad market situations? What is the best practice while comparing companies using the debt to equity ratio? Where to look online for the financials of different companies for solvency ratio calculation? Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Facebook – https://www.facebook.com/assetyogi Linkedin - http://www.linkedin.com/company/asset-yogi Twitter - http://twitter.com/assetyogi Instagram - http://instagram.com/assetyogi Google Plus – https://plus.google.com/+assetyogi-ay Pinterest - http://pinterest.com/assetyogi/ Hope you liked this video in Hindi on “Debt To Equity Ratio”.
Views: 14294 Asset Yogi
Sub Headline: Home Equity conversion Mortgage Appreciating Line of Credit an Option to HELOC loans. Synopsis: The Home Equity Conversion Mortgage (HECM) equity line of credit can be used as your own personal lending resource or a retirement back-up cash reserve. The line of credit grows on the remaining unused balance unfettered from the current market value of the home. It could be the emergency resource for a retiree that can deliver instant cash for unseen expenses that come into play during retirement. Watch the interview with nationally recognized mortgage expert, John Mangels. Content: There are differences between an HECM line of credit and a traditional home equity line of credit (HELOC). In general terms, a HELOC requires you to pay monthly interest payments, the loan value doesn’t grow, the loan account could be closed by the lending institution and it may have a pre-payment penalty not insured by FHA. In contrast, The HECM equity line of credit has no required monthly payments, permits the unused line of credit to increase annually, the line of credit stays open as long as the borrower occupies the home and fulfills the loan requirements, it has no pre-payment penalty and it’s backed by the Federal Housing Administration (FHA). Watch the interview with popular platform speaker, author and leading authority on Home Equity Conversion Programs, Don Graves, as he introduces the reverse mortgage purchase option. As you can see, there are distinct advantages to a HECM line of credit. While most seniors will use it for a retirement cash reserve for necessities, some may open a HECM line of credit as a hedge against the future. In some strategic scenarios, retirees age 62+ may design a combination of the HECM line of credit and the reverse mortgage purchase to eliminate mortgage payments and maintain a line of credit at the same time. The skillful use of this combination strategy can deliver significant flexibility in retirement planning. One popular strategy is to delay taking Social Security to age 70 to maximize its lifetime benefits and use the HECM line of credit to live on during the period preceding age 70. You can elect to pay it back or not. It’s completely at your discretion. Having a line of credit as a financial back stop can really come in handy if your retirement income situation suddenly turns negative. It can bring some psychological solace and confidence to know there’s a cash reserve option as quick as writing a check. Syndicated financial columnist, talk show host and popular platform speaker Steve Savant features his series on Home Equity conversion Mortgage. Let’s Get Down to Business is an hour-long financial talk show for financial professionals distributed online in 5 ten-minute video press releases Monday through Friday to 280 media outlets, social media networks and industry portals. (www.lifesizesolutions.com) https://youtu.be/RYAaTdE5yXY
Views: 2468 Let's get down to business
https://www.dollar.bank/Personal/Borrowing/Home-Equity-Loans-and-Lines-of-Credit How do you decide between a home equity line of credit or a home equity term loan? This short video from Dollar Bank explains the purpose and strengths of each.
Views: 1037 dollarbankchannel
In this Video Dr Vivek Bindra unveils the secret on how to attract fundings for a startup business. He discusses in detail the difference between Private equity investors and venture capitalists. He also advises new business and start ups different ways to attract funds. Watch this video until the end for successful growth and health of your business 1. If you want to know how to raise funds for your startups from external agencies then watch this video 2. If you want to know how to raise funds for your startups through venture capitalists then watch this video 3.If you want to know how to raise funds through PE investors then watch this video 4.If you want to know more about angel investors then watch this video 5.If you want to know more about seed capital then watch this video 6. If you want to know more about debt capital then watch this video 7.If you want to know more about seed fundings then watch this video 8. If you want to know more about IPO then watch this video 9. If you want to know more about growth capital then watch this video 10. If you want to know more about debt restructuring then watch this video 11. If you want to know more about debt financing then watch this video 12. If you are looking for investors then watch this video 13.If you are looking for venture capital then watch this video 14.If you are looking for PE investors then watch this video To Attend a 4 hour Power Packed “Extreme Motivation & Peak Performance” Seminar of BOUNCE BACK SERIES, Call at +919310144443 or Visit https://bouncebackseries.com/ To attend upcoming LEADERSHIP FUNNEL PROGRAM, Call at +919810544443 or Visit https://vivekbindra.com/upcoming-programs/leadership-funnel-by-vivek-bindra.php Watch the Leadership funnel Program Testimonial Video, here at https://youtu.be/xNUysc5b0uI Follow our Official Facebook Page at https://facebook.com/DailyMotivationByVivekBindra/ and get updates of recent happenings, events, seminars, blog articles and daily motivation.
Views: 1573184 Dr. Vivek Bindra: Motivational Speaker
In this video I have explained about terms : Types of share Equity Share Preference Share Difference between Equity and preference shares ---------------------------------------------- Open an online trading and Demat account with Zerodha - https://zerodha.com/open-account?c=ZMPNYN Open an account using the above link and get a dedicated course "Investing for beginners" for free. You will also get access to my telegram channel where I will be sharing - Best Trading Strategies E-books and Investing Ideas from the experts. Once your account is opened, send me your client ID to = "[email protected]" to claim the Offer. ---------------------------------------------- Here are some recommended books for Share market education with corresponding links: Hindi books: Kaise market Mein Nivaise Kare - http://amzn.to/2fgFEkf Intraday Trading Ki Pehchan - http://amzn.to/2fGJmUO English Books: The Intelligent Investor - http://amzn.to/2xZ8cdw How to Make Money Trading with Candlestick Charts - http://amzn.to/2y0vBLi ---------------------------------------------- Share, Support, Subscribe!!! Facebook:https://www.facebook.com/BasicGyaan.F Twitter: https://twitter.com/BasicGyaan Instagram Myself :https://www.instagram.com/SunilSolves/... Google Plus: https://plus.google.com/1010703809019... Microphone i use : http://amzn.to/2xBYjBO About : BASIC GYAAN is a YouTube Channel, where you will find Videos on curious interesting topics related to Finance, Economics and Trending topics in Hindi, New Video is Posted Every week :)
Views: 410243 Basic Gyaan
Teresa Tims President of TDR Mortgage in Upland CA Breaks down what you should do when considering a Cashout Refinance or a Home Equity Line of Credit (HELOC) in California. 1) Evaluate what your payment and cash out amount would be if you refinanced and got cash out VS. what the payment would be if you got a HELOC loan. 2) Look at the "cost" of the Refinance also. How much are you paying to access the cash that you are getting, Exclude the Taxes, Insurance, and overall impounds and interest per day. Look at the lender fees and title and escrow ONLY. This is the real cost. 2) Evaluate the "Term" of the 2nd Mortgage Heloc. Is it adjustable? Is it for a 10, 15, 20, or 30-year term. 3) How long have you had your current loan? Is it worth Starting over with a whole new loan or better with a short term Heloc? 4) Are you the type of person that is ok with the risk of an adjustable rate mortgage or does a fixed rate home loan provide more security for you. Its Widely predicted Home Loan Rates will be on the rise in 2018. That's it, it's pretty darn easy. Additional Info; Traditional cash out home loans will only go to 80% Loan to Value. That means you need 20% equity to access any equity in your home. TDR Mortgage can go up to 89.99 % LTV in certain circumstances where alternative financing options can be used. It's pretty pricey and most people choose not to use this option and wait until they have a little more equity. I can help you look at all of these options with an open mind and provide an opinion based on a true analysis of what is in your best interest. Call me at 909.920.3500 to get started today. Teresa Tims, TDR home loan mortgage company is a trusted provider of home loan mortgages and home refinance Compare mortgage rates on a home refinance, VA loans, FHA loans, Jumbo loans, conventional loans, http://www.TheSoCalLoanPro.com reverse loans, first time home loans, 1st time buyer loans, USDA loans, CalHFA loans and Chdap loans and Calhafa loans. We serve Southern California including Upland, Rancho Cucamonga, Fontana, Rialto, Chino, Chino Hills, Mira Loma, Eastvale, Ontario, La Verne, Claremont, Montclair, Pomona, Riverside, Corona, Glendora, San Dimas, Los Angeles, Orange County, Coachella Valley, the High Desert and San Bernardino. Company NMLS #390767 Individual NMLS MLO # 267236 Company BRE # 01889552 Broker License BRE # 01269949 Toker License BRE # 01269949 Teresa Tims, TDR Mortgage and/or TDR Real Estate Group is an equal opportunity lender and any mention of rate or term is an estimate only and could vary based on many variables such as credit score, equity position, sales price etc. We are an equal housing lender.
Views: 3443 Teresa Tims
- since last three years, UPSC has asked barely 1-2 MCQs from the Finance, capital market and share market topics, therefore, we will only try to gather a working knowledge about these topics rather than pursuing technical accuracy or academic excellence. - There are two ways to start a company: debt and equity. - Debt instruments are further classified in 1) short-term instruments such as T-bills, Cash Management Bills (CMBs), Commercial papers, Promissory Notes, Certificate of Deposits - and Commercial Bill and 2) long-term instruments such as Loan, external commercial borrowing (ECB), Dated securities (G-Sec), Bonds (UK), Debentures (US), Municipal Bonds and Inflation Indexed Bonds - what is credit rating? Why does economic survey say that foreign credit rating agencies are having double standards for Indian sovereign bonds? - What is Bond Yield to maturity (YTM)? How is it related with RBI’s monetary policy and economic growth? - What was the impact of Donald Trump’s election and demonetisation on the yields of Indian government’s bonds. - What a coupon bonds, zero-coupon bonds, bearer bonds. Why is Fiat currency called “zero interest anonymous bearer bond? - Types of equity finance: Shares, preferential shares, venture capital funds and angel investors. What is seed capital and sweet equity? - Taxability on share dividend and bond interest? - Share: Face value, At par value, premium value, initial public offer (IPO), follow-on public offer, public issue, private issue, rights issue, preferential shares; Share buyback, share splitting, retained earnings - ADR- American depository receipts, global depository receipts (GDR), Bharat depository receipts (BhDR) - Types of mutual fund: net asset value (NAV), exit load. - Hedge funds and alternate investment funds. - Exchange Traded Funds (ETF), InvITs: infrastructure investment trusts, REITs: Real estate investment trusts, salient features and benefits. - Derivatives, securitisation, forward market, future market, spot market. Call option and Put Option. - SWAP agreements: Credit Default Swap, Currency Swap, Interest swap - Faculty Name: You know who - All Powerpoint available at http://mrunal.org/powerpoint - Exam-Utility: UPSC IAS IPS Civil service exam, Prelims, CSAT, Mains, Staff selection SSC-CGL, IBPS-PO/MT, IBPS-CWE, SBI PO & Clerk, RBI and other banking exams; LIC, EPFO, FCI & other PSU exams; CDS, CAPF and other defense services exams; GPSC, MPPCS, RPSC & other State PCS services exams with Indian Economy, Budget, Banking, Public Finance in its syllabus- with descriptive questions and answer writing.
Views: 175427 Mrunal Patel
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Views: 209 mortgagerefi
Capital markets are one of the most fascinating areas of investment banking. Companies need these services when they are about to go public or want to issue debt sold to the public. When a company wants to raise equity, we talk about ECM, standing for Equity Capital Markets, and when it wants to raise debt, we talk about DCM, standing for Debt Capital Markets. On Facebook: https://www.facebook.com/365careers/ On the web: http://www.365careers.com/ On Twitter: https://twitter.com/365careers Subscribe to our channel: https://www.youtube.com/365careers
Views: 112671 365 Careers
Another Calgary Business Certified Locally Call: (587) 333-7998 Get Great Deals: http://certifiedlocally.com/business-listings/item/j-and-j-mortgage Calgary Home Owners that are looking for great mortgage rates for their new home, existing home refinancing, renewing their mortgage or as a home equity loan should have a look at this special offer website dedicated to certified locally vendors in the Calgary area that are offering special offers to their clients to try out their products. HOME SERVICES. LOCAL BUSINESS. Josh and Jelara Mortgage Team of Axiom Mortgage Solutions is a Proud Member of Axiom Mortgage Solutions, one of the highest volume producing Calgary mortgage brokerages and we have access to preferred mortgage rates & products! We work hard to earn your business!" Josh and Jelara Mortgage Team of Axiom Mortgage Solutions is committed to researching the best Canadian mortgage rates for you. Reply on our years of field expertise and solid nation-wide lender relationships to assure you get the best possible mortgage rates that fit your specific needs. The process is straight and simple. We treat each client on an individual bases and not as a number. We will supply you with free advice here on our knowledge base website before you choose us, then give you personal attention by phone or email to help you make the right decision. About Certified Locally: We selected a group of local businesses that complement each other based on their aligned product offerings, operational qualities, service standards and most importantly, their track record of maintaining happy clients. Only a handful of local businesses were chosen as they must fit specific criteria to become "Certified Locally". These local certification requirements include: BE OPERATING ETHICALLY ACQUIRED 10 ONLINE REVIEWS STRIVE FOR A 5 STAR REPUTATION BE OPEN TO CLIENT FEEDBACK Sign up free and get special offers: http://certifiedlocally.com/business-listings/item/j-and-j-mortgage Title: Calgary Mortgage Brokers who offer financing, refinance and home equity loans Popular Tags: Calgary mortgage broker, Calgary mortgages, Calgary mortgage agent, Calgary mortgage agents, Calgary mortgage lender, Calgary lending agents Call us at (587) 333-7998
Views: 80 netcastevent
Having issues deciding how to split up the equity in your business between your team (co-founder), advisors and potential investors? In this video, I provide some guidelines and some major DON'TS when thinking about startup equity. Are you an entrepreneur? Get free weekly video training here: http://www.danmartell.com/newsletter + Join me on FB: http://FB.com/DanMartell + Connect w/ me live: http://periscope.tv/danmartell + Tweet me: http://twitter.com/danmartell + Instagram awesomeness: http://instagram.com/danmartell Related Videos - To Raise or Not To Raise Venture Capital https://www.youtube.com/watch?v=syfMR9Akxqo - The 3 Secret Agreements You Make When Accepting Venture https://www.youtube.com/watch?v=syfMR9Akxqo - Startup Balance With Kids https://www.youtube.com/watch?v=X2NsSWYs-20 Okay. Due to popular demand, I’ve decided to finally tackle the billion dollar beast. And while it’s not easy to have a conversation about startup equity without putting the faint of heart to sleep, it’s territory that simply can’t be overlooked. Because for any growth-oriented entrepreneur entertaining the idea of handing out equity in their company, the math absolutely matters… And one small misstep can be the difference between accelerated growth or the speed pass to startup hell. So if you’ve ever wondered what a healthy equity breakdown looks like for all key stakeholders (founders, advisors, investors and team members)... … then give this new video a quick spin. As you can see, used appropriately, equity can be an amazing way to incentivize team members and attract key advisors and investors. Like I did with Uber’s Travis Kalanick But if you don’t enter the conversation with clear knowledge of the right benchmarks to shoot for… … then you’re setting yourself up to either give too much away or lose talent and investors to other startups playing a much sharper numbers game. So get your numbers right. Make the right offers. And then step up to the plate and use equity for the growth accelerant it is. To splitting the pie… (and watching it grow), – Dan Don't forget to share this entrepreneurial advice with your friends, so they can learn too: https://youtu.be/hWA1b8owinc ===================== ABOUT DAN MARTELL ===================== “You can only keep what you give away.” That’s the mantra that’s shaped Dan Martell from a struggling 20-something business owner in the Canadian Maritimes (which is waaay out east) to a successful startup founder who’s raised more than $3 million in venture funding and exited not one... not two... but three tech businesses: Clarity.fm, Spheric and Flowtown. You can only keep what you give away. That philosophy has led Dan to invest in 33+ early stage startups such as Udemy, Intercom, Unbounce and Foodspotting. It’s also helped him shape the future of Hootsuite as an advisor to the social media tour de force. An activator, a tech geek, an adrenaline junkie and, yes, a romantic (ask his wife Renee), Dan has recently turned his attention to teaching startups a fundamental, little-discussed lesson that directly impacts their growth: how to scale. You’ll find not only incredible insights in every moment of every talk Dan gives - but also highly actionable takeaways that will propel your business forward. Because Dan gives freely of all that he knows. After all, you can only keep what you give away. Get free training videos, invites to private events, and cutting edge business strategies: http://www.danmartell.com/newsletter
Views: 54157 Dan Martell
Should you use debt or equity to finance your business growth? How much debt can or should a business have? Financial Leverage is about using "other peoples' money" to finance your business. Equity is a scarce and expensive resource. Debt financing enables businesses to grow faster and can amplify the return on equity for business owners. However, leverage increases the risk profile of the business. This video explains what you should consider when assessing how much debt your business should have.
Views: 5500 cashflowkungfu
The most notable hidden cost associated with home equity loans is the origination fee, which is a point that the mortgage company will charge upfront against the value of the overall loan. Work with a company that has no origination fees with help from a registered financial consultant in this free video on money management and personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Views: 200 eHow
http://www.VTMM.ca Apply Today Fast Approvals Your home's value and the equity in it are the deciding factors, not your income or credit rating. We are a BC based business and have been lending to people just like you since 1982. Visit us at http://www.VTMM.ca to fill out the quick and easy application form Lew MacDonald Verico Bayfield Mortgage Professionals
Views: 1304 TailorMadeMortgages
Small businesses are normally privately owned corporations, partnerships, or sole proprietorships. What businesses are defined as "small" in terms of government support and tax policy varies depending on the country and industry. Small businesses range from 15 employees under the Australian Fair Work Act 2009, 50 employees according to the definition used by the European Union, and fewer than 500 employees to qualify for many U.S. Small Business Administration programs. Small businesses can also be classified according to other methods such as sales, assets, or net profits. Small businesses are common in many countries, depending on the economic system in operation. Typical examples include: convenience stores, other small shops (such as a bakery or delicatessen), hairdressers, tradesmen, lawyers, accountants, restaurants, guest houses, photographers, small-scale manufacturing, and online businesses, such as web design and programming, etc. Small businesses use several sources available for start-up capital: Self-financing by the owner through cash, equity loan on his or her home, and or other assets. Loans from friends or relatives Grants from private foundations Personal savings Private stock issue Forming partnerships Angel investors Banks Financial Platforms such as LendingClub and OnDeck SME finance, including Collateral based lending and Venture capital, given sufficiently sound business venture plans Some small businesses are further financed through credit card debt—usually a poor choice, given that the interest rate on credit cards is often several times the rate that would be paid on a line of credit or bank loan. Recent research suggests that the use of credit scores in small business lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the small business owners rather than the more encompassing small business credit scores that include data on the firms as well as on the owners. Many owners seek a bank loan in the name of their business, however banks will usually insist on a personal guarantee by the business owner. In the United States, the Small Business Administration (SBA) runs several loan programs that may help a small business secure loans. In these programs, the SBA guarantees a portion of the loan to the issuing bank and thus relieves the bank of some of the risk of extending the loan to a small business. The SBA also requires business owners to pledge personal assets and sign as a personal guarantee for the loan. The 8(a) Business Development Program assists in the development of small businesses owned and operated by African Americans, Hispanics, and Asians. Canadian small businesses can take advantage of federally funded programs and services. See Federal financing for small businesses in Canada (grants and loans). On October 2010, Alejandro Cremades and Tanya Prive founded the first equity crowdfunding platform for small businesses in history as an alternative source of financing. The platform operates under the name of Rock The Post. https://en.wikipedia.org/wiki/Small_business
Views: 199 Way Back
Subscribe to Chase here: http://full.sc/15KaG9f The benefits of a home equity loan are showcased through two customer experience stories as they partner with their Chase home equity processors. Watch the AD version of Home Equity Advantage here: https://youtu.be/MUKgdTnZqQ0 Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading global financial services firm with assets of $2.3 trillion and operations in more than 60 countries. We are the neighborhood bank for thousands of communities across the country. We serve approximately one of out of every six Americans through more than 5,500 bank branches; 18,000 ATMs; mortgage offices; online and mobile banking; as well as relationships with auto dealerships, schools and universities. Terms of Service: bit.ly/ChaseSocialTerms Connect with Chase Online: Follow @Chase on Twitter: http://twitter.com/Chase Chase Official Website: https://www.chase.com Chase Mobile: https://www.chase.com/mobile Chase En Español: http://full.sc/15KeCa0 Find a Branch or ATM near you: https://locator.chase.com Check out Other Chase YouTube Channels: My New Home from Chase: http://www.youtube.com/user/mynewhomefromchase The Home Equity Advantage - Chase https://youtu.be/bTjuo4eJ5K8
Views: 2299 Chase