Business

About ten years after the financial crisis that left the U.S. economy on its knees, stocks have hit a record high. Upon simple analysis, record highs in stocks should herald the best days and give hope for the near future. However, that is not the case according to top analysts. Even with the soaring stocks, some analysts still believe it is too early to celebrate. In a video, U.S Money Reserve took a critical look at this situation when it talked about the current state of the economy and how things could unfold.

The Critical Factors

While some people think that the rise in stocks is a result of a repaired economy, U.S. Money Reserve thinks otherwise. Most countries that are coming from a recession choose a quick fix to get the economy back on track. This is what the federal government did after 2008. We saw large amounts of money being printed and injected into the economy.

The result was access to free money. However, recessions are caused by a lot of problems, not just a lack of funds. What we saw during that time was a lack of proper regulations and unethical behavior among big company accountants. Today, these issues have not been fixed. The federal government ignored everything about them and, therefore, there is no doubt that we could be close to another economic downturn.

The Problem with Federal Reserve Policies

Based on the way it reacted to the last recess, there is no doubt that the Federal Reserve only wants to increase access to free money. This is called a quantitative approach, which may not be a long lasting solution. It is good to provide money for people to start spending again. However, it does not make sense when it becomes the primary solution.

In the video, the speakers say that the government is starting to tighten the interest rates slowly, and the quick money is fading out. This is a reliable way of introducing Americans to the reality, but not what we should be doing.

What Needs to Change?

A lot of changes have to be effected in the policies of the Federal Reserve. It is true that the current systems have jump started the economy, and that is the reason we see stocks rising. However, since we know that it is not a sustainable solution, there needs to be a shift in the way the government does things. Most importantly, proper laws should be formulated that give the Federal Reserve adequate control.

About U.S. Money Reserve

U.S. Money Reserve, the company that released the video discussed here, is responsible for the distribution of precious metals, such as gold, issued by the government. Over the years, the company has focused on giving its customers information that helps them purchase precious metals from a place of knowledge. Everything is based on the understanding that, should there be another recess, customers with their wealth stored in precious metals will not be hit too hard. The fact that these metals have been appreciating since the year 2000 is an indication that if you store your wealth in them, which is a simple process, you have very little chance of losing it.

 

After facing difficulties in 2016, healthcare investor Jacob Gottlieb has bounced back with a new firm that is going to change the healthcare investment industry. He has created Altium Capital Management LP, with offices in New York. With less than two years in operation, this firm is doing exceptionally well. The growth report released showing the numbers from 2017 indicated a company that has a great start. One of the main Altium Capital’s products is the Altium Growth Fund, LP which recorded a 7.37 percent return. What makes performance impressive is that it was recorded within five months. Altium Capital Management, LP was opened mid-2017.

What does Altium Capital do?

Altium Capital is an investment company that looks for opportunities in the healthcare industry. It invests in companies in this industry that show great potential for growth. Jacob Gottlieb is a titan in the healthcare industry due to his success as a healthcare entrepreneur. He works with firms that offer meaningful and innovative treatment solutions. The main areas that Altium Capital Fund focuses on include equity-linked products, small-cap equities and mid-cap equities. The fund invests in the US and international healthcare sub-sectors. Some of the areas they consider include medical technology and medical devices, biotech, specialty and major pharma, services, among others.

The New Healthcare Investment Approach

Investment is a rigorous activity that mainly involves taking advantage of pricing differences in mid and small-caps sectors. Altium strategy involves investing in businesses that have solutions that address global healthcare concerns. Each investment made by Altium is based on a bottom-up analysis, whereby the value of an investment is based on the risk-reward ratio.

The management

Altium Capital Management has brought together a group of experts who have experience dealing with high-stake investments. These are professionals who are well-versed with financial knowledge as well as healthcare expertise. Most of the professionals working for the company are experienced employees with various hedge funds. The company is now at an advantage of having highly- qualified experts who can help the company in the process of going up. The main model of investment used by this firm is fundamental analysis.

Jacob Gottlieb

Jacob Gottlieb is the founder, the managing partner and the chief executive officer of this firm. He has recruited experienced professionals with successful careers to assist him in managing it. The team leading this company is dedicated to long-term development, and therefore there are keen on optimizing their work such that it addresses the needs of the future.

Altium Capital has already made some significant investments. Some of these investments include Oramed Pharmaceuticals, Amarin Corporation and Oragenics, all in the healthcare sector. Oramed is one of the companies that are coming up with a highly innovative way of handling medical treatment. It is coming up with an alternative oral treatment to the injectable drugs used for the treatment of diabetes. Amarin on its part is creating drugs to boost cardiovascular health.

The leadership

Jacob holds the senior most position in this firm. He is assisted by Mark Gottlieb who is the chief operating officer. Before Altium Capital was created, he was the chief technology officer at Visium Asset Management. LLC. He helped this firm rise from 2005 to 2016, when it had over $8 billion in assets. He had previously worked with Balyasny Asset Management, L.P, where he set the record as the top earner through his portfolio profits. His career started at Merlin Financial in London, where he became a successful investment portfolio manager. Gottlieb holds a degree in economics from Brown University and MD from New York University Medical School.

You probably wouldn’t notice some of the factors that contribute to your business’s productivity till they are no longer there or they were never present. In such a case, your employees are your best bet at improving your productivity. However, achieving better productivity remains in the hands of the business owner. You would need to establish a certain kind of culture that fosters efficient working patterns. But encouraging your employees to work harder shouldn’t come at the cost of causing stress or burn out.

Granted, for a business to thrive, it has to work on creating the right atmosphere. However, you should also ensure every individual works towards the same goal as a combination of all the individual contributions is what translates into high productivity. Here are some of the ways you ways to improve your company’s work productivity.

Acquaint everyone with the company goals

Some CEOs only share bits of information with their employees. This makes the latter feel like their work doesn’t amount to much. The result is that they put in less and less into what they do. But when you always discuss what your company goals are with your employees, how each individual’s work contributes to the bigger picture, their productivity increases. If it is getting a government contract that you are aiming at, keep your employees in the loop and watch as results begin manifesting.

Minimise distractions

Discover all the sources of disturbances to your staff members and resolve them strategically. For instance, social media, especially Instagram and Snapchat, are significant sources of workplace distraction. But it is probably to recommended to institute a No-Phone policy as that might be counterproductive by creating a damped workplace environment. Instead, schedule breaks during which they are allowed to access their phones.

Conduct periodic training

Investing in your workers is something that can’t be overemphasised. You need higher job satisfaction to improve your business productivity, and one of the ways to do that is to continue making them better and better at the job. The more efficient they are, the more can achieve more goals with less stress. Also, you would be giving them a career track within your company through these training.

Schedule fewer meetings

Meetings are some of the ways companies waste much of their times. Every month, hours are spent on meetings that are not productive. Figure out alternative means of bringing your employees up to date with events and delegate projects without having to book a meeting. That way, you would be saving time which will be channelled towards more productive ends.

Be proactive

You have to be active and take charge of your business if you want to improve your productivity. Don’t let a phone call or an email derail your day. Chasing after every call that comes in begging to be attended to will have you reacting and chasing after one emergency after another till you lose track of your goals.

Conclusion

Your work is to keep your employees properly motivated to put in their best. Therefore, feel free to celebrate your victories no matter how insignificant. It tends to continue the work spirit high which often results in high productivity.

When it comes to choosing the right data storage business model for your company, the solutions aren’t necessarily clear-cut. After all, there are plenty of different ways in which you can go about managing the network of your company, and every solution tends to have its advantages and disadvantages. In this sense, it’s all about finding the one solution that fits your company and provides even more benefits in the long run.

While some might consider running their own IT crew to handle data storage in-house, it isn’t necessarily the best solution out there. The hardware requirements can be expensive, and things can quickly spiral out of control if your staff isn’t properly trained. As far as business solutions for data storage go, many choose cloud storage as the ideal business model. From having a proper contingency to practical features like an Office 365 Backup, there’s a lot that cloud storage can offer.

Starting with the possible issues you might run into

While cloud storage certainly has its perks, it’s vital that you’re well aware of its disadvantages. That way, if specific issues pop up, you’ll know exactly how to deal with them. For example, while usability is at an all-time high, it can be far too easy to accidentally drag and drop an important file into the cloud without making a copy of it first. It can also be easy to accidentally pass the bandwidth allowance of your chosen package – resulting in charges that can only be described as brutal. Fortunately, all it takes is a little bit of understanding and preparation to avoid these potential issues completely.

Why cloud storage is considered ideal

It can already be extremely tricky to handle business without having to worry about data storage solutions as well. However, the management of said data is a crucial part of the modern business, which is why cloud storage is so popular. It takes data management and makes it easy and accessible for everyone. You won’t have to worry about physical issues or having to spend ridiculous amounts on hardware to be able to manage the data of your business. Instead, you’ll be able to relax as your data is sent to the cloud, where you’ll be able to access it from anywhere that has an Internet connection.

Why not give it a try?

If your company still hasn’t benefited from all the features that cloud services have to offer, why not give it a try? It surpasses the traditional methods in many ways, and gives your company an extra layer of security – protecting your data from hardware failures and anything else that plagues most in-house IT departments.

To conclude, while it might not be the perfect business model, it has enough going for it that cloud solutions are widely considered to be the ideal business model. There are also hybrid versions of the cloud available that give you the best of both worlds. With data storage becoming more and more crucial in today’s business landscape, cloud solutions will only continue to expand.

Image: Pixabay.com

If you want to learn more about growing your business, click here to check out tips from the NH Forge Blog.

 

When did cars become so expensive?

Buying a brand new car off the lot is going to cost you a lot of money, more than spending money on one of the most common traffic laws violated in New York. Especially with today’s rising prices in vehicles. The most tragic part of buying a new car is the dramatic diminish in value for every mile you drive it.

If you spend this much money, the smartest way to maintain the value is by investing into the car’s well-being.

This might mean enrolling in the best defensive driving course NY has to offer. It will also mean being proactive by ensuring your car is in tip-top shape. Here’s the best ways to invest in your car.

Don’t Skimp Out on Tires

Let’s talk tires. They’re the feet of your car. Just like feet, they help you get from point A to point B. Ensuring the tires are in great condition will help you save money across the board. Not only that, but the tires will help you maintain the quality of your vehicle’s performance.

When your tires get trashed from potholes, bumpy roads, or just general wear, you will spend more money for your mileage. Run down tires will lead to poor gas mileage for your vehicle. Not only will you spend money on your gas, but you could spend more money on auto part replacements.

Bad tires could lead you to car accidents considering a blown tire or getting a flat. Replacing a bearing or even the suspensions of your car will cost more money than getting those tires checked. Be preemptive by investing in your car’s tires.

Driving with Care

Driving with care is the most underrated investment for your vehicle. What this means is don’t speed, drive sporadically, brake hard, or take sharp turns. Treat your vehicle well by driving patiently and carefully – it will ensure the car’s long term investment.

When you drive sporadically, you will run the risk of damaging your car in more ways than running up points on your driver’s license. Taking your time, decreasing distractions, and reminding yourself to practice proper road etiquette will protect your car from wrecks and preventable breakdowns.

Trusted Car Repair

When something bad happens to your car, you should take it to a trusted repair shop. Sure, you might be able to save some money by taking it your buddy who is “a total car expert,” but you will be running the risk of a faulty fix.

When you take your car to a trusted auto repair shop, you’re not only investing in the parts you’re buying, but a quality of service. Hiring a professional, who knows cars, will ensure you’re getting the best hands to work on your vehicle.

If you’re performing heavy car repairs, you don’t want to skimp out on the quality of service. If you do, you will be running the risk of a problem popping up later. This will cut your vehicle’s life a little short. No hard feelings toward your “car expert buddy,” though.

Routine Maintenance Checks

Performing a maintenance check on your car will help you identify car issues before they arise. Paying a little bit for a professional to investigate an odd noise coming from your car will keep you from dishing out a ton of money down the line.

Moreover, make sure you are getting your car routinely checked. When you do, you are spotting the warning signs before they become severe car problems. Doing so will save you money in the long run and keep your car in flawless condition.

Getting started in the stock market can seem like a seriously intimidating process for most people. If you’ve never taken part in an investment strategy that’s as active and fast-paced as stock trading before, then you’re going to need some time to get used to it. Be it going it alone, or looking into online trading academies for guidance, you will need to do the proper amount of research to be successful. The online world now means that it’s easier for anyone to control their own investments, rather than shelling out cash for a broker to do it for them. However, as an online investor, you’ll also have more challenges to think about, including the demand for greater research into each of your stocks. Of course, if you can overcome these challenges and make the most of trading online, then you can also get greater profits at the end of the day. To help you start on the right foot, here are three important principles to consider with online trading.

Always Have A Plan

No matter what kind of trading you want to get involved with, it’s important to make sure that you always have a plan of action in place. This means deciding what you want to trade, to begin with, how much tolerance you have for risk, and if you have any specific profit goals that you’re trying to reach. It’s also worth considering how much time you can devote to tracking your investments on a daily basis too. For instance, you might think that day trading sounds exciting, to begin with until you realize that you don’t have hours a day you can use to sit at your computer and watch the stocks.

Know your Goals

There are many things that can affect your trading plans, including your budget and your availability. However, one of the most important factors is your investment goals. For instance, do you want to make yourself a little extra income that you can spend right now, or are you more interested in building up your long-term wealth? The goals you set when you first get started with trading will determine how active you need to be with your investment, and how much risk you’re going to need to take too. It’s important to be careful and make sure you have plenty of cash aside for a comfortable pension and retirement when you’re finished with your everyday trading strategy.

Focus on Losing Small and Winning Big

Finally, this may seem obvious, but the goal of any investment strategy should be to lose small and win big whenever possible. Risk management is important when you’re investing or trading assets. It’s foolish to think that you can simply win all the time, but you don’t need to get constant wins to be a successful trader. Instead, all you need is a 3:1 reward and risk ratio. Another good way to make sure that you lose small and win big is to set a pre-set stop or stop-loss system in place. This just means that you know when to stop trading and start selling an asset. If the market moves against you, having a stop loss in place could mean that you’re less likely to lose vast amounts of money in your portfolio.

Making improvements to your home can be an exciting time, but it may seem daunting if you are working on a budget. Having to be frugal when purchasing new furnishings can often lead to higher ticket items being overlooked in place of cheaper alternatives. However, this can cause disappointment, and sometimes prove costlier in the long run. This is a common mistake home owners make when buying new flooring. It’s no secret that solid and engineered oak flooring comes with a heftier price-tag than other types of flooring, which may be off putting at first. But investing in wood flooring could actually save you money down the line. Still not convinced? Here’s five ways that could change your mind:

Durability

Flooring is put to the test every day as you move from room to room. Consequently, you need a floor that can stand up to the challenge time and time again. Whilst laminated floors and carpet are always a strong choice, neither are as durable as solid and engineered woods. Not only can wood flooring be resistant to heavy footfall, materials like oak can have a lifespan of up to 25 years!

Insulation

If there’s one thing that home owners are always looking to save money on, it’s their energy bills. Thankfully, making the right decision when buying flooring can drastically help cut down on those monthly payments. You may be thinking that carpet would be your best choice here, but you’d be mistaken! Wood flooring is excellent at retaining heat, and circulates the heat it absorbs. Engineered wood is particularly good at this, due to its layered construction. Ultimately, this means less time spent with the heating on, and more money left in your bank account.

Low Maintenance

As previously mentioned, wood flooring’s durability is unmatched. In fact, solid and engineered wood can often be sanded and restored several times during its long lifespan. This removes the need to replace your flooring again and again as it deals with day to day wear and tear. On top of that, wood floors are resistant to rot, stains, and spillages, making them the perfect money saver for parents and pet owners.

Timeless

Wood flooring has remained a popular choice for generations, and although trends come and go, wood floors are still as fashionable as ever. Never again will you have to spend excess funds on updating your flooring to keep up with the times. With its extensive lifespan and desirable look, wood floors will feel stylish for years to come.

Adds Value to Your Property

It’s durable, it’s stylish, it’s low maintenance. There’s a reason why wood flooring is as popular as ever! Buying wood flooring can boost the saleability and overall value of your home. Prospective buyers will be thrilled to see solid or engineered wood already in place before they even make an offer. After a quick sand and refinish, your wood floors will look as good as they did on the day you bought them. This is sure to give the best impression of your home.

 

Although the term design thinking has its roots in the artistic community, it’s a powerful tool in the business world as well. When a business professional or sales representative applies design thinking, he or she first defines the problem that requires solving. Observation skills are critical in this endeavor. That means viewing the work of employees at every stage of the process rather than just hearing about it secondhand.

The other stages of design thinking involve creating and considering multiple options, refining the directions, and selecting a final solution. Although it might seem like a simple process, it’s long and involved and it has taken the business world several years to even consider using it. Now that design thinking is growing in popularity, it has helped some of the world’s largest companies tackle their most complex problems. This has required them to identify how the problem affects users and not just themselves.

Big Business and Design Thinking

Big companies that have embraced design thinking have done it in style. IBM, for example, has created 30 on-site design studios that provide its employees with the time and space they need to come up with innovative solutions to complex problems. Each space comes complete with a white board, post-it notes, pens, scratch paper, and uninterrupted time for employees from various departments to go through the different stages of design thinking to arrive at solutions that solve a real problem in the lives of IBM’s customers.

Infosys has made a heavy investment in design thinking because its leadership feels that it offers the most effective and efficient business model to unleash creative power and potential. It has held multiple workshops to introduce its more than 170,000 employees to the concept and allow them to tap problem-solving abilities many didn’t know they possessed. In less than one year of getting on board with design thinking, Infosys has completed training with approximately 20 percent of its workforce and 500 managers.

A Different Approach to Meet the Needs of Today’s Buyer

The Internet and constant connectivity of our time has issued in a whole new era of sales. Today’s salesperson must remind themselves that the transaction is about the customer and what he or she needs, not about the salesperson closing a deal. This requires sales professionals to use greater empathy in their approach. Salespeople should aim to learn what matters most to the customer before even attempting to sell anything.

One reason that large businesses have embraced design thinking is that it helps them meet the needs of the modern customer. People today have so much information available via online research before a salesperson even enters the picture. Therefore, it’s vital for the sales professional to tap into his or her empathy skills and understand the world and values of the customer.

Without this understanding, the presentation is likely to fall flat because it feels inauthentic to the one receiving it. In this fast-paced world, taking the time to listen, offer empathy, and understand the humanness of the other party can go a long way into making a connection that lasts well beyond the initial sale.

We continue to see blockchain technology finding its way into different areas and industries and this is definitely the case for the gambling industry. One of the main issues faced by online casinos is that winnings and payouts are first hidden from the public to avoid scrutiny.

Blockchain technology has the benefit of solving many of the issues that are faced by online casinos.

Let’s take a look at some other ways through which blockchain is making waves in the gambling industry.

1. Greater Transparency

We’ve all heard of casinos that fraudulently steal from its customers without them knowing. This is part of the reasons why most gamblers shy away from online gambling casinos. Which is only understandable. After all, wouldn’t you stay away if you knew that the transparency is questionable?

Since blockchain boosts security and transparency, online casinos become more trustworthy and will begin to see an increase of players.

1. Reduced Fraud

Fraud in online gambling does not only happen from the casinos and sometimes, players themselves will defraud operators, stealing from them as they make deposits. What’s more, it is still possible to bypass the casino’s security features.

Blockchain technology provides secure methods of doing transactions which reduces fraudulent activities and increases security. The ledgers are distributed making it impossible to alter any data. If a player wins, these will be sent directly to him.

1. Payment methods

An obvious benefit of using blockchain in gambling is the addition of cryptocurrencies such as bitcoin as a payment method. This makes it possible for players find a way around certain jurisdiction limitations. Why? Well simply due to the fact that there are no regulated payment restrictions.

Since there are no banks and other transactional intermediaries, the costs are significantly lower for both players as well as the bitcoin casino.

1. No need for personal information

Casinos are under a lot of regulations. Some of them include requiring players to provide documentations when opening an account. This keeps other willing players away as he whole process consumes a lot of time.

Blockchain provides anonymity. It allows players to participate without providing personal information. An added benefit of this is that hackers cannot get access to user data or winnings.

1. Greater Accessibility

Some locations strictly prohibit gambling. A player situated in such a place may not have many options and may easily turn to illegal bookmakers. Things could get dangerous too with illegal bookmakers .

Blockchain’s digital currency means anyone around the world can take part in gambling.

 

 

Property investment is an increasingly popular venture, and more and more landlords are choosing to invest their finances in creating a property portfolio as a strong and steady source of income.

Anybody who has the dedication and the initial finances available can start a property portfolio. In fact, residential bridging loans provide short term finance to anyone looking to buy property. These are available through banks, building societies but also providers such as Glenhawk.

But just being able to buy a property isn’t enough to ensure that your property portfolio lives up to its true potential.

There are a few things you can do to make sure your portfolio is as successful as it should be, like getting a tax depreciation schedule Adelaide. But luckily, we’ve outlined more of them for you below.

Here’s how to get the most from your property portfolio.

Use your pre-viewing time wisely

You can browse the property market online to your heart’s content, being as focused or as casual as you like while perusing possible property investments. However, when it comes to physically viewing properties you should hold off until you are prepared to do so in a fairly targeted way. What kind of property do you actually want to invest in? Hone in your viewings to only ones that fit this criteria.

Start thinking about what you actually want from your investment too. Do you want to invest for cash income or capital growth? Research these factors fully and choose properties which could potentially meet your goals by weighing up advantages and disadvantages. This includes factors such as location, price, cost of things such as utilities, and how much you would need to alter and change the property before being able to use it for financial gain.

Find the risk/reward ratio

Like any investment, property investment is not without its risks. Before entering such a big investment you need to be fully aware of the hazards that might be involved. Stay aware of the current market at all times to see whether it’s a good time for you to be investing at all.

Go into a potential investment with a practical frame of mine, and make a realistic but full assessment of the potential risks and rewards of every possible investment. This will help you determine how the risks and rewards compare so you can find a property with a ratio you are happy with.

Different properties and different markets (depending on when and where you choose to invest) will carry different levels of risk and potential gain. This means that finding this ratio is one of the most important pieces of research you can do in the run up to adding to your property portfolio. You can balance out riskier investments you’re passionate about with lower risk investments elsewhere in your portfolio.

Don’t be limited by location

We live in an age where everyone and everywhere is connected, so there is no reason to limit yourself to only investing in property in your local area. You may find that by widening your scope to a national or even international view you can find much more valuable investment opportunities. Take the time to research markets across the UK rather than just on your doorstep.

An extended scope gives you the opportunity to boost your portfolio in several key ways. Firstly, and most obviously, it will simply give you more choice and flexibility when looking to expand your property portfolio. It will also allow you to look at different markets and find out which areas are particularly booming, or which are expected to boom over the next few years. This will help you get more for your money and invest on upcoming national growth.