Strategy Meets Finance

Important Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):·         Big news for bonds·         The Fed's balance sheet and rate cuts·         More bank downgrades·         Schwab layoffs·         Capitalizing on opportunitiesDisclaimer: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 episode, we'll be diving deep into an essential topic that often confuses even seasoned entrepreneurs and business leaders: the difference between profit and cash flow. Understanding this distinction is crucial for making sound investment decisions and running a business successfully. So, let's break it down._______________________________________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/growthImportant Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):·         A fed rate cut is coming: but not for another year·         Tesla slashes prices in China·         Steel shares surge·         Russia’s Ruble in trouble·         China spurs contagion fears·         A shift in stock sentiment 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 the episode, host Steve Coughran delves into the significance of various aspects related to personal finance. He emphasizes the importance of paying yourself, which involves setting aside a portion of your income for savings or investments. Coughran also highlights the need to cultivate the right mindset when it comes to money, shifting our perspective from instant gratification to long-term financial goals. Additionally, he discusses the concept of overcoming our small selves, which refers to the ego-driven and limited aspects of our identities that can hinder financial growth. By transcending these self-imposed limitations, we can feel empowered to make better financial decisions and invest in our own futures. Through this episode, listeners are encouraged to develop a stronger financial IQ, enabling them to take control of their spending habits and make more informed choices for their financial well-being._______________________________________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

Important Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):·         UBS plans to fire 30% of workforce·         Moody downgrades ratings·         Industries are already in a recession·         ECB and consumer expectations on inflation·         Passoni joins Valor Capital·         Credit card balances pass $1 trillionDisclaimer: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 the captivating podcast episode titled "The 3 Reasons Why Most People Don't Become Rich," the enthusiastic host, Steve Coughran, delves deep into the core factors that hinder wealth creation. With expert analysis and engaging storytelling, Coughran unveils the first reason: the failure to take action. He emphasizes the crucial importance of seizing opportunities and implementing ideas, highlighting how inaction can stagnate financial growth. Moving on, Coughran explores the second reason - the lack of financial acumen. Through practical examples and insightful anecdotes, he underscores the significance of acquiring the knowledge and skills necessary to make informed financial decisions. Lastly, Coughran addresses the third reason: the fear-driven avoidance of calculated risks due to a scarcity mindset. He explores how individuals can overcome their fears and step outside their comfort zones to embrace potential opportunities. This thought-provoking podcast episode serves as a wake-up call, offering valuable insights and empowering listeners to break free from limitations and embark on a path towards financial prosperity._______________________________________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/growthImportant Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):·         Property pain in Europe’s financial districts·         Markets: The calm before the storm?·         Betting on bonds·         News from China·         Homeowners stay put amid the housing shortage·         Will unemployment get to 4%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 Steve Coughran engages in a captivating discussion with Dean Thurman, the visionary founder of InvestWise. Dean shares his remarkable entrepreneurial journey, recounting the challenges and triumphs he experienced while building his successful financial advising firm and various other ventures. Join us as Dean imparts invaluable insights and strategies for creating a rich and financially successful life. From mastering investment strategies to cultivating a growth mindset, this episode is a must-listen for anyone seeking to enhance their financial IQ and achieve lasting prosperity. Don't miss out on this opportunity to learn from an industry expert and gain practical tips for building wealth and creating a fulfilling financial future.Want free financial advice? Check out Money Pickle, your free financial help desk. Schedule a call with an expert now._______________________________________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/growthImportant Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):Equity strategists missed the memoThe bursting of a bubbleUpdated recession oddsSkilled worker shortageUBS pays $387M in finesAI, gaming, and the economyDisclaimer: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 episode, host Steve Coughran delves into the world of financial management for entrepreneurs and explores the five most common financial mistakes made in business. Join Steve as he uncovers the pitfalls that many entrepreneurs fall into and shares insights on how to avoid them. First, Steve highlights the importance of maintaining a clear and streamlined chart of accounts. He discusses how an overly complicated chart can lead to confusion, errors, and inefficiencies in financial reporting, and provides tips on simplifying and organizing financial records effectively. Next, Steve tackles the issue of a disconnect between financial reporting and economic reality. He explains how entrepreneurs often rely solely on financial statements without considering the broader context of their business operations. Through real-world examples, he demonstrates the significance of aligning financial reporting with the actual economic performance of the business. Steve also addresses the common misconception of confusing profit for cash flow. He explains the crucial difference between the two and emphasizes the importance of managing cash flow effectively to ensure the financial health and stability of the business. To hear more about the other common mistakes and how to avoid them, tune in now._______________________________________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