Boosting Your Financial IQ

Mergers and Acquisitions (M&A) are business transactions which involve the consolidation of organizations or the combination of their assets into one. Through this process a company may purchase another company outright, merge with it to form a new entity, acquire a portion or all of its assets, engage in a hostile takeover, or make a bid to purchase some or all of a corporation's outstanding stock. LBOs, or leveraged buyouts, are also a part of a mergers and acquisitions strategy. This form of acquisition, if done right, can generate spectacular returns, help turn around companies, and drive greater value across a variety of stakeholders. Join me for this episode where I outline how M&A works and deepen your knowledge on the buy-side and sell-side of business transactions.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.byfiq.com

Options can be a cost effective, flexible investment tool that helps you hedge and take advantage of any market condition.  However, to be successful, investors must understand the differences between using options to invest and using options to trade.  In this episode I talk with Roslyn Weems, the Founder and Principal of Wealth Consortia, about the fundamentals of options trading and how with the right plan and investment strategy, investors can leverage this tool to achieve financial success.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.byfiq.com

As the third generation internet develops, many are wondering how this Web3 will transform business, finance, communities, and other ways of living in a digital world. Is this decentralized ecosystem supported by blockchain, machine learning, and A.I. just hype, or does it have the potential to be the new reality? Join me on this episode as I talk with Evan Gary, Co-Founder of Chibi Labs, and explore these possibilities along with the developments in the NFT space.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.byfiq.com

The Chief Financial Officer (CFO) holds the top financial position in a company and is responsible for its overall fiscal functions. Although most understand their fiduciary duty to protect and grow the assets of the business, not all CFOs approach their position in the same manner. In this episode, Steve Coughran answers a series of questions posed by a BYFIQ community member and explains what a CFO actually does. He shares his actual experience as a CFO, both from a large company perspective and a startup environment. Whether you are aspiring to become CFO, already in the seat, or are just curious about how to get the most out of this role, you won’t want to miss this episode.  Steve dives deep into the core duties of a strategic CFO and how leaders in this position can shift their focus from transactional and compliance activities to those that drive greater firm value. 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.byfiq.com

Cryptocurrency, also referred to as "crypto", is a form of digital currency that has the potential to disrupt the traditional form of money.  Unlike paper currencies, such as the U.S. dollar, a cryptocurrency is created and secured through encrypted data strings that are maintained by a peer-to-peer network called a blockchain.  Through this secure ledger of transactions, cryptocurrencies are decentralized and are not issued by governments or other financial institutions.   Popular cryptocurrencies include Bitcoin, Ether, Litecoin, and Monero.   In this episode I dive deeper into the world of cryptocurrencies and blockchains with Mauricio Magaldi, Global Head of Strategy for Crypto at 11:FS .  We discuss how this new form of currency was created and the potential it has to transform finance as we know it.  Visit www.byfiq.com for more episodes and resources to empower your financial life.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.byfiq.com

Have you ever wondered what goes on behind the curtain when banks are deciding whether to approve a business loan?  Commercial lending, which includes secured and unsecured credits to businesses for growth and working capital purposes, is not as mysterious as it appears. In this episode I talk with Darrell Lomelino, SVP at Keybank, about the quantitative and qualitative factors that lead to banks issuing credit to companies. Understanding how banks look at a company and its financial position, will empower you to pinpoint the areas of the business that need improvement and act accordingly to drive greater value and secure the credit needed to thrive.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.byfiq.com

Technical analysis is a discipline that involves leveraging price trends and patterns to evaluate investments and identify trading opportunities.  To be successful when employing this technique, investors must follow fundamental principles to spot valuable indicators of a security’s future price movements, then act on them with confidence.  In this episode I talk with JC Parets, the CEO of All Star Charts, about how to start incorporating technical analysis into one’s investment strategy to realize greater financial value in the marketplace.  We also discuss capitalizing on market volatility, correlations with currencies, and pitfalls to avoid when employing technical analysis.  Visit www.byfiq.com for more episodes and resources to empower your financial life.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.byfiq.com

What’s the difference between a DBA, LLC, Partnership, S-Corporation, and C-Corporation? As you can imagine, these different legal entities, founded by one or more natural persons to conduct business activities, come with significant implications related to taxation, ownership, and asset protection.  Whether you are creating a new business, operating an existing organization, or managing a part of the company, it’s important to understand how legal entities work. In this episode, I talk with Briana Reidle, the Co-Owner of Accounting and Tax Solutions, Inc. about how these organizational structures work and the key things you should know when working in business.  Visit www.byfiq.com for more episodes and resources to empower your financial life.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.byfiq.com

Buying a home doesn't have to be a big mystery--especially when it comes to the financing side of the transaction.  That's why on this episode I talk with Dan Keyes, a Loan Officer at Western Financial Funding, to uncover exactly what underwriters look at when determining whether someone qualifies for financing.  We will discuss how mortgages work, how much cash is required to put down, and other strategies for purchasing a home regardless of your circumstances.  Visit www.byfiq.com for more episodes and resources to empower your financial life.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.byfiq.com

In the quest for ongoing operational efficiency and cost management, CFOs are streamlining, digitizing, and restructuring FinOps. However, most finance functions lack the tools to manage cash flow and spend in an effective, real-time manner.  As a result, cash forecasting is inaccurate, decision making is slow, and cost reduction efforts stall.  In this episode I talk with Itamar Jobani, CEO and Founder of PayEm, about how technology, including spend management platforms, are helping financial leaders to spend less time on the transactional and more time on the value-driving activities of the business.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.byfiq.com