kenli

Use these tips to find the right balance of debt and navigate financial leverage to your advantage. Opinions expressed by Entrepreneur contributors are their own. The average small business owner today has nearly $200,000 in debt . While financial leverage is often an essential way to grow a small or medium-sized business, you need to be careful about how much debt you take on. As CEO of Wealth Stack, a company specializing in helping veteran business owners build an optimal capital structure and access the right kind of capital, I see CEOs and CFOs increasing their debt ratios without rhyme or reason. As part of my one-on-one with select CEOs, I often outline a series of questions that can help business owners determine how much debt they should take on. Typically, this looks like asking yourself, "Do we have enough insight into our tax situation to be confident about the after-tax cost of debt? What are our strategic goals, and how might debt constrain our ability to achieve them? How much debt can we comfortably service without putting strain on our cash flow?" By considering these factors, companies can create a debt ratio that is both sustainable and advantageous. […]

Click here to view original web page at www.entrepreneur.com

The use of Federal Home Loan Bank advances to offset crypto deposit losses has raised questions about banks’ reliance on the quasi-governmental funding mechanism for liquidity. La Jolla, Calif.-based Silvergate Bank and New York-based Signature Bank, arguably the two traditional banks with the greatest exposure to the digital asset industry, have both tapped Home Loan Bank advances following the collapse of the cryptocurrency exchange FTX. Of the two, Silvergate, which has pivoted the bulk of its operations toward digital assets during the past decade, was more significantly impacted by the volatility in the wake of FTX’s demise. The bank received $4.3 billion in advances from the Federal Home Loan Bank of San Francisco in the fourth quarter of 2022 to offset $8.1 billion of drawn down deposits . Advances now account for more than 60 percent of Silvergate’s wholesale funding.

Click here to view original web page at www.americanbanker.com

Treasury Secretary Janet Yellen, center, with Speaker of the House Nancy Pelosi, D-Calif., and … [+] CQ-Roll Call, Inc via Getty Images In what seems to feel like Groundhog Day every time we have a divided legislature, the federal government will hit its borrowing limit today, and increasing it will require Congressional approval. The first two weeks of the 118th Congress have produced signs that lawmakers could put the U.S. economy and small businesses in danger with theatrics. We have already seen House Republicans challenging their own party in electing a Speaker of the House and advancing bills that have little chance of passing the Senate. The more extreme conservative wing of the House Republicans are now trying to use the serious issue of raising the debt limit to drive concessions from their moderate Republican and Democrat counterparts. Trying to reach a compromise is good, but holding the US economy hostage is not. On January 13, U.S. Department of Treasury Secretary Janet Yellen sent a letter to Congress saying the federal government will run out of money on January 19 if the debt ceiling is not raised. Republicans have said they will not raise the debt limit ceiling without […]

Click here to view original web page at www.forbes.com

The environmental, social and corporate governance investment trend is booming, but it has also become a big distraction for business leaders. Is E.S.G. talk becoming a distraction?Arnd Wiegmann/Reuters Corporate leaders open up about E.S.G. At a cocktail party this week in Davos, one executive told DealBook something he — and most of the attendees at the World Economic Forum — would most likely never say in public: “I hope E.S.G. just goes away.” The executive, whose company is involved in the carbon industry, clarified that he still believes that it is vital to focus on climate, but that environmental, social and corporate governance — as the business approach is formally known — has become too broad and distracting. He’s just one of many executives who have talked to DealBook about coming to terms with how politically charged E.S.G. has become, and about how to deal with it. Have executives overpromised on E.S.G.? Fixating on lofty goals, without delivering on actions, has made business leaders vulnerable to a backlash, executives said. As evidence, some point to BlackRock’s Larry Fink, one of the earliest and most vocal proponents of E.S.G., saying he’s trying to “ change the narrative ” after taking […]

Click here to view original web page at www.nytimes.com

Crowdsource Innovation After three years of economic and social disruption, we may have entered a new business era dictated by radical changes and systemic challenges. Those that succeed in a consistently tumultuous environment will be those who move into and create new growth opportunities and new businesses. Every sector is ripe for new business building and those fuelled by innovation and backed by insights will likely be the ones who are the most successful. In volatile times, many organizations constrict, cut and generally hunker down to make it through unpredictable economic periods. Given the past three years of continuous economic and social disruption, we may have entered a new business era dictated by radical changes and systemic challenges. In this new environment, efficiency measures alone won’t help businesses survive or grow. Those that succeed in a consistently tumultuous environment will be those that boldly move into – and create – new growth opportunities and new businesses. The winners will be those who have heard the saying “what got you here won’t get you there” (thank you, Marshall Goldsmith ) and will leverage and change their organizations to actually get there. Established companies that create successful new ventures have the […]

Click here to view original web page at www.weforum.org

This article is from the free weekly Barron’s Tech email newsletter. Sign up here to get it delivered directly to your inbox. Hidden Tax. Hi everyone. Apple AAPL –0.23% ‘s product launches this week bring an old story back to the forefront. Apple charges nosebleed markups for its Mac upgrades, specifically around memory and storage. The policy should be revisited—consumers deserve better.

Click here to view original web page at www.barrons.com

By Prakriti Deuja Arlington loves to add sweetness to its nonprofit and small business community, and OpenGrants is the box of chocolates we’ve all been looking for. And, thanks to BizLaunch, this sweet treat is free of charge to ALL users. With three dominant and dynamic databases already in stock, adding OpenGrants only further candy-coats the data Arlington offers. OpenGrants, a grant finding database, is an all-in-one platform that helps you find grant opportunities across the nation. A tool that is free easy to use with a simple login you create, the dashboard is user-friendly and catered completely to you. The way it works? Fill out some information about yourself and your nonprofit or business, and grants will come find you! BizLaunch: PrakritiDeuja Once your dashboard is configured and complete, you can easily access unique features of the resource. From finding a grant writer to assist in making the grant writing process easier to creating an organized panel with your projects consolidated into one page, this database is one that was created with you in mind. Used (and loved!) by more than 12,000 grant-fingers and experts, OpenGrants has created an effective and personable hub for start-ups, small businesses, and […]

Click here to view original web page at www.arlnow.com

Graphic by Lori Deaton [ Regarding “Buncombe Lags on Goals for Resident Well-being,” Dec. 14 , Xpress:] Many years ago, I worked in emergency housing in Clearwater, Fla. I saw firsthand the benefits of Section 8 housing. This was not a free ride but oftentimes just the assistance people needed to overcome the sometimes almost impossible hurdles of moving from houseless to housed. Being housed makes a tremendous difference when looking for employment, creating a stable base for school assignments and the beginnings of being part of a community. These are just a few of the benefits. Whatever the source, I believe we owe all our citizens an opportunity to be housed. — Bernise A. Lynch Swannanoa

Click here to view original web page at mountainx.com

PETALING JAYA: Investors should accumulate Public Bank Bhd (PBB) shares, which are currently experiencing some overhang due to the passing of its founder, the late Tan Sri Teh Hong Piow. “We see this as an opportunity to accumulate on weakness as the bank’s strategic focus remains intact, led by a strong management team,” UOB Kay Hian (UOBKH) Research told its clients in a report. Maintaining its “buy” call on the lender, the research house said valuations remained attractive and it had a target price of RM5.10 on it. In the report, the research house said PBB’s share price had modestly underperformed the KL Finance index since the passing of its founder. The weakness in its share price may be attributed to concerns including the lack of management succession planning and uncertainty of the transfer of ownership of its late founder’s stake. “It remains hard to predict the outcome of Teh’s 23.4% stake currently valued at RM19.5bil, as we are not privy to the arrangement of his shares and the plans of the individuals inheriting his shares. “As such, we can only hypothesise a number of potential scenarios and attempt to draw a conclusion as to how it may impact […]

Click here to view original web page at www.thestar.com.my

AI and Video Editors: Threat or Opportunity? 3 AI and Video Editors: Threat or Opportunity? 4 Artificial intelligence (AI) is a rapidly growing field that has the potential to revolutionize many industries, including the field of video editing. However, despite the advancements in AI technology, it is unlikely that it will threaten the jobs of video editors. First and foremost, AI is still in its early stages of development and is not yet advanced enough to fully replace human editors. While AI can assist in certain tasks such as color correction and motion tracking, it still lacks the creativity and human touch that is necessary for high-quality video editing. Additionally, the field of video editing is constantly evolving, with new technologies and techniques being developed all the time. This means that even if AI were to become advanced enough to replace human editors, it would still need to be constantly updated and trained on the latest techniques. Another important factor to consider is that video editing is not just about technical skills, but also about creativity and storytelling. Human editors bring a unique perspective and understanding of storytelling to the editing process, which AI is currently unable to replicate. […]

Click here to view original web page at www.provideocoalition.com