Boosting Your Financial IQ

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

In this podcast, Patrick Donohue of Hill Capital demystifies business valuation, discussing approaches like income-based valuation and asset valuations. They also explore the challenges of building a loyal customer base on a streaming platform and the importance of strategic leadership in determining a business's value. The podcast emphasizes the significance of focus, vision, and maximizing business value, understanding the cost of money and capital, and avoiding common valuation mistakes. They also invite listeners to engage and access additional resources for financial freedom.

Curious about how the Federal Reserve manages our money?In this episode of Boosting Your Financial IQ, Steve discusses the Federal Reserve's announcement about interest rates, quantitative easing, and what all this stimulus means for the economy.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 if how we were taught to look at and manage debt is simply misguided?  Hundreds of millions of consumers stress about paying off student loans, credit cards, and mortgages while struggling to grasp how they might ever get ahead financially.  Debt can be crippling, and the associated interest costs can erode one’s ability to save for retirement.  However, there is a better way.  In this episode I talk with Adam Carroll, the Founder of The Shred Method, about a new way to approach debt and apply interest rate arbitrage to achieve financial freedom quickly.  You won’t want to miss this one as these principles can literally save you thousands of dollars and cut years off your path to retirement.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

He's back!  Join Steve Coughran in this new episode where he dives deeper into the components of the income statement and how to drive meaningful impact by leveraging its value drivers.  To learn more about Boosting Your Financial IQ and available resources, visit us at www.byfiq.com.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

One of the biggest obstacles that prevents us from achieving financial success and living a life of abundance is our mindset. Our insecurities, limiting beliefs, and fear sabotage even our best intentions and keep us stuck in circumstances that aren't always desirable.  Many of us set goals, but year after year we continue to fall short and struggle to manifest what we truly want. In this episode, I will share my personal experiences and what I have learned about setting and achieving financial goals. I will help you overcome the things blocking your progress and help you to drive greater impact in both your personal and professional life. Let's jump in!Check out this YouTube Video: How to Set and Achieve Better Financial GoalsDisclaimer: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 number one thing that holds people back from achieving financial success is their mindset. Thoughts are things, and when we hold limiting beliefs or feelings of scarcity and lack, we tend to manifest the reality we do not want in our lives.  Harnessing a mindset of financial abundance and gratitude is achievable for all. In this episode, I share my personal journey and how I had to overcome limiting beliefs and insecurities to break through and realize a life of freedom and success.  Tune in to learn how you can radically change your life for the better by following practical principles that will result in more fulfillment and inner peace.  You deserve financial abundance and it’s yours for the taking. Say goodbye to your small self and begin manifesting the experiences and things you truly want for yourself and loved ones.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 2020 we are expected to have a federal deficit that exceeds 3 trillion dollars.1 trillion dollars is a thousand billion dollars, or a million, million dollars. If you took $1 bills and stacked them in a pile it would measure 67,866 miles long, which would stretch around the Earth's equator 2.72 times. The federal deficit is three times this.Listen now to learn why you should care about debt cycles.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 world of finance there are bull and bear markets. Trying to time these markets may prove to be a difficult task, however by understanding what indicators and trends to watch for, investors can find opportunities in both good and bad times. Join me for this episode where I talk with market expert, Steve Reitmeister, about the investment strategies for seizing opportunities in both bull and bear markets. We will discuss what investors should consider when anticipating a bear market, how to change one's liquidity profile, and what to look out for to minimize risk while capturing financial upside. 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

Navigating the complexities of retirement planning may feel daunting at times, but it doesn’t have to be this way.  In this episode I talk with Bill and Pete Bush from Horizon Financial Group, authors of The Runway Decade, about the ins and outs of 401Ks and IRAs.  We will explore the differences between these two financial instruments and even explain the key advantages between Roth’s and traditional structures.  Understanding the rules, investment strategies, and how to avoid common blunders will empower you to make wise financial decisions and increase your wealth now and in the future.  To learn more about Bill and Pete, and their newest book The Runway Decade, visit https://www.horizonfg.com/.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