Strategy Meets Finance

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:Apple’s Appeal Record Demand At Treasury AuctionCaution in Yen Bullish Trend 2024 Market Optimism Gen AI and the Future of FinanceTurkey’s 49% Minimum Wage Hike Impacts From the Fed’s Liquidity Year-End Economic Sentiment IndicatorsDon’t miss our discussion on top stories in the world of finance: From Apple's legal tussles and the Treasury auction frenzy signaling potential rate cuts to cautious insights on the yen's bullish trend and an optimistic outlook for 2024 – we've got you covered. Plus, we'll unpack the transformative influence of generative AI in banking, Turkey's bold move with a 49% minimum wage hike, and the ripples from the Fed's liquidity reduction. And last but not least, we look into the factors influencing the financial landscape. Read the FinWeekly breakdown now!  Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Today, our esteemed host, Steve Coughran, engages in a thought-provoking conversation with Kristian Marquez, Founder of FinStrat Management, as they explore "The Path to Profitability." In this informative discussion, we delve into strategies that companies can adopt to drive greater profits. Discover the power of creating accurate forecasts for transparency into financial numbers and the significance of establishing key performance indicators to focus on the value drivers of the business. Kristian emphasizes the importance of pursuing strategies that create greater value for customers, enabling companies to adjust their pricing and implement other financial maneuvers. Join us as we navigate the world of profitability, armed with statistics, real-life anecdotes, and a focus on long-term value. Get ready to enhance your financial acumen and take strides towards greater success in the stock market._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth In today's episode, we have a special guest, Elizabeth Rosenberg, Founder of Grow My Piggy, as we explore the topic of "Empowering Parents to Raise Money-Smart Kids." We address important questions about when parents should start discussing money with their kids, how to teach financial skills amidst financial challenges, the effectiveness of giving kids allowances, and the conversations that shape children's views on money. Elizabeth provides valuable insights on age-appropriate conversations, guidance for parents facing financial struggles, and the significance of discussing budgeting, saving, investing, and charitable giving. We also emphasize the importance of teaching kids lessons beyond saving, such as understanding hard work and delayed gratification. Join us as we provide practical advice and strategies for helping parents raise money-smart kids._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Global economic shifts are anticipated in 2024 as central banks consider adjusting strategies. The Fed eyes potential interest rate cuts, while BOJ maintains a cautious stance. Wall Street predicts a stock boom in 2024. Abu Dhabi attracts billionaires through SPVs. Occidental Petroleum's acquisition reflects a trend of consolidation. A legal battle between Epic Games and Google could reshape the industry. Bond forecasters caution against year-end rally extension. Small businesses express caution amid rising interest rates.

Want to grow your business? Download your free roadmap today: coltivar.com/growth Steve Coughran sits down with Joyce Marter, author of Financial Mindset Fix, to delve into the topic of "Disconnecting Self Worth from Net Worth." In this insightful conversation, they explore how individuals can pursue a more fulfilling financial life without tying their self-worth to their financial success. By challenging the notion that our value is solely determined by our wealth, Joyce Marter provides invaluable insights and strategies for cultivating a healthy and empowering mindset towards money. Tune in to this thought-provoking episode to gain a fresh perspective on achieving financial well-being while embracing your true worth beyond monetary measures._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:Spotify Layoffs BitCoin Booms (Again)Barkley layoffs Inflation is Eating into Savings Musk’s Meltdown Millei, Argentina’s President-elect Wants to Dollarize  Meta shares are officially for sale! Banking Examiner ShortageFinWeekly has all the details on trending market and financial news this week: Starting off, Spotify makes headlines with a significant workforce reduction, cutting 1,500 jobs—17% of its workforce, prompting discussions on the ethical dimensions of such moves. Bitcoin enthusiasts celebrate a surge beyond $42,000, fueled by SEC approval hopes for exchange-traded funds, but we explore potential risks and indicators to watch. Barclays contemplates layoffs in a $1.25 billion cost-cutting effort, impacting both employees and the broader market. Santander US Capital Markets highlights the real-world impact of inflation, eroding pandemic savings for 40% of Americans. Elon Musk's 'X' faces financial challenges as major advertisers pull out, questioning the platform's stability. Argentina's President-elect proposes an unconventional solution to hyperinflation—adopting the U.S. dollar. Mark Zuckerberg's Meta shares are up for sale, reflecting strategic decisions for the company. And lastly, we delve into the banking examiner shortage at the Federal Reserve and FDIC, exploring the potential risks within the financial system. Check out what this means for you in our latest episode! Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth In this captivating episode, Steve sits down with Nolan Bradbury, Founder of Bradfield Accounting, to explore the intriguing concept of "Thinking Like a Family Office." Together, they unravel the essence of a family office and the importance of building a team of trusted advisors. Join us as we delve into the significance of getting your financial house in order and shifting your mindset towards long-term thinking, focusing on legacy planning rather than solely covering expenses day-to-day. Nolan shares valuable insights on the importance of having your own financial statements and being prepared to seize opportunities that come your way. Get ready for an episode filled with informative guidance that will empower you to make sound financial decisions and pave the way for a prosperous future._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:Cyber Monday SurgeHolding the Line on InflationConsumer Confidence Bounces BackThe Dividend DilemmaTesla’s Bumpy RoadFueling SavingsFinWeekly has all the details on trending market and financial news this week: First up, Cyber Monday sales surged to an impressive $12.4 billion, surpassing expectations, fueled by robust Black Friday results and the growing popularity of buy-now-pay-later options. Shifting gears, economists brace for an extended period of high interest rates, driven by the Federal Reserve's focus on the core PCE index, while a surprising rebound in US consumer confidence brings a glimmer of positivity. However, cautionary tales emerge in the stock market as dividend-focused ETFs face unexpected challenges, showcasing the risks of market timing. In the auto market, green stocks struggle amid concerns about Tesla's position, influenced by higher interest rates and evolving regulations. And ending on a positive note, American drivers enjoy a 60-day decline in gasoline prices, providing relief at the pump and freeing up cash for holiday spending. Check out what this means for you in our latest episode! Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth In today's engaging discussion, our host Steve Coughran has a special guest, Dan Shea, Managing Director of Objective Capital Partners. Together, they delve into the intriguing topic of "How to Monetize Your Life's Work." Join us as we explore various aspects of selling a business and unlocking its true value. Discover how valuation is determined and why factors such as free cash flow play a pivotal role. Dan emphasizes the integration of strategy and finance in driving firm value, shedding light on what types of businesses are most attractive to sell in today's market. We'll also dive into the latest trends in the M&A space. Lastly, aspiring job candidates will gain valuable insights on how to prepare and break into the competitive field of investment banking. Get ready for an information-packed episode that will empower you to maximize the potential of your life's work._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:US Government Shutdown Averted! Nasdaq 100 Hits Two Year High Tokenized Finance: Fad or the Future? ECB Hints at a Stable Future The Global Housing Market LandscapeThe Black Friday Boycott Catch the latest market and finance updates in this episode of FinWeekly. In this episode, President Biden avoids a shutdown with a temporary spending bill, allowing for a two-month negotiation window. Meanwhile, the Stock Market experiences a Nasdaq 100 peak driven by a robust tech surge. Also, we explore the potential impact of tokenizing stocks and funds using blockchain technology in finance. And in Europe, the European Central Bank hints at a stable 4% interest rate. Meanwhile, globally, rising interest rates reshape the housing market, signaling a shift away from real estate as a guaranteed wealth generator. And last but not least, we unpack the unexpected economic shift anticipated for this Black Friday, as wealthier Americans cut back on spending, and further challenge a consumer-dependent economy. Read our expert insights now! Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com