#fund flows

[kazifatagar]

Recent sell-off presents an opportunity for investors

The FBM KLCI continued its decline, closing just above the key 1,600 psychological support level. With the benchmark index trading at a valuation of 15x PER, well below its historical average of 18x, the recent sell-off presents an opportunity for investors to engage in bargain hunting. Investors ready? The index is expected to trend within the 1,600-1,610 range for the day. Technical View on…

[thegoodmorningman]

Okay but seriously flushable wipes are not flushable and they destroy water treatment equipment which wastes an incredible amount of municipal funds. Good Morning!!!

[riversfunding]

7 reasons to choose a non-sector-specific lender for your business loan

At Rivers we are quite unusual because we are a non-sector-specific lender. While lots of other lenders limit the industries and assets they're prepared to finance, and others proactively exclude certain sectors considered high risk, such as hospitality, constriction, air conditioning, businesses focused on cigarettes or vapes, and gambling based organisations, we don’t. 

As an independently run SME, Rivers was established to meet the needs of other business owners and their enterprises, understanding that the hard facts of a business are just one part of the story. As a result, we chose to be non-sector-specific, and in broad terms will consider any business for a business loan, as long as they meet our minimum lending criteria.  

Read full blog - https://www.riversfunding.com/news/7-reasons-to-choose-a-non-sector-specific-lender-for-your-business-loan

[applesandbannas747]

Students will take my classroom economy and build a mafia, successfully control at least half of the class’s fake money with predatory loans and interest rates, then expect ME to deal with it when someone steals from them

Like little homies I am so sorry to tell you this because I am so sorry it’s true but I am the government in this situation. The Man, if you will. You make a mafia, you deal with running it

Anyway, they decided to threaten thieves with breaking their knee caps and I’m helping them build a spreadsheet to keep track of their finances

They have not, however, relocated the jankass box made out of roughly hacked apart pieces of cardboard glued together that’s always sitting in the middle of the class library and bursting with their dirty fake money nor seem to have any intention to make ‘the mafia’ more secure

[passengerpigeons]

summer/autumn of Minnesota trips

[icewindandboringhorror]

... how am I meant to get any sort of restful sleep when it's like 85F indoors in my bedroom at NIGHT .. hhhhhhhhhhhhhh

[hopecomesbacktolife]

I (genuinely!) love how having many writing WIPs and having a books TBR list is a little bit like raising bunnies. it’s like,

1. you have 34 fanfic ideas.

2. you write one (1) fanfic, using one of the ideas.

3. you now have 57 fanfic ideas.

and for books it’s a lot like,

1. you have 150 books on your TBR.

2. you read two (2) books.

3. you now have 168 books on your TBR.

like, it’s genuinely, literally, something that delights me so much, that the more you read/write, the more things you discover you have yet to read/write still. it’s such a joy, and I love how creating your own stories and reading other people’s stories truly just keeps yes/and-ing itself to infinity :)

it’s like one of my favorite lines from The Lion King’s song The Circle of Life,

there is more to see than can ever be seen /

more to do than can ever be done

like. isn’t that beautiful? ♡

[rosethorndragon]

Hi im terribly sorry! I just really need your help. I’m trying to raise some funds for little Olaf’s needs (my cat) as I brought him to the vet yesterday morning because of a really bad diarrhea and im trying to raise some funds as I cannot afford the estimate the vet gave us. 🥲Please help me share the post I made for him, I have pinned it on my blog. I’m hoping that you’ll consider, and sorry again for bothering you and for being this direct! Take care!

Not sure if I can help? As far as I know, you are the first live follower following me. As in, has followed me and actually sent me an ask that wasn't only fan esq.

[larrygpotter]

Are you one of many, many loan affiliates? I was too until late Feb of 2016 when I grew sick & tired of losing commissions when I could not get funding for business owners.

Now funding is just a small part of what I do and currently, I am one shy of having 400 business clients.

​I soon realized that ​​​Purpose Evolves: It’s not a one-time deal. As you grow, so does your purpose. Don’t box it in—let it shift and grow with you.

Learn More https://stryde.me/pages/unlock-your-unicorn/143863 - Leave the viewing ID# as is.

[kazifatagar]

Foreign funds are expected to remain net sellers

Market sentiment is expected to remain subdued as investors await the US Non-Farm Payroll report and assess risks from policies like mass deportations and tariffs, which could exacerbate inflation and trade tensions. The FBM KLCI is likely to continue its downward momentum toward the psychological 1,600 level, with increased volatility impacting lower-tier stocks. Foreign funds Foreign funds…

[artisticdivasworld]

Truck Parking Revisited

Every day all over the country, drivers are using their last hour of driving time to try to find a safe place to park their rig.. It’s no secret that the lack of truck parking out there is getting ridiculous. Every day, drivers have to resort to parking in an unsafe place or risk going over their allotted HOS—it’s dangerous for you, your cargo, and other drivers on the road. Some have to park on…

[investinceofund]

From Purchase to Profit: A Comprehensive Guide to Mortgage Note Investing

Welcome to the world of mortgage note investing! If you're looking for a way to generate passive income while diversifying your investment portfolio, you’ve come to the right place. In this blog, we’ll explore everything you need to know, from understanding mortgage notes to scaling your investments.

What is Mortgage Note Investing?

Mortgage note investing involves buying the rights to receive payments on a mortgage loan. When you purchase a mortgage note, you essentially become the lender, receiving monthly payments from the borrower. This investment can provide a steady cash flow, making it an attractive option for many investors.

Benefits of Mortgage Note Investing

Passive Income: One of the main draws is the potential for regular income from monthly payments.

Diversification: Investing in mortgage notes allows you to diversify beyond stocks and bonds, reducing overall risk.

Control: You have the ability to choose which notes to invest in based on your risk tolerance and investment strategy.

Understanding the Risks

While mortgage note investing can be lucrative, it's not without risks:

Default Risk: Borrowers may fail to make payments, leading to potential losses.

Market Fluctuations: Changes in real estate values can impact the value of your investment.

Regulatory Changes: Be aware of new laws that may affect mortgage lending.

Getting Started

Step 1: Educate Yourself

Start by learning the fundamentals of mortgage notes. Consider enrolling in online courses, reading books, or attending workshops.

Step 2: Conduct Market Research

Understand the current trends in the real estate market. This knowledge will help you make informed decisions.

Step 3: Network

Connect with other investors, note brokers, and real estate professionals. Networking can lead to valuable opportunities and insights.

Sourcing Mortgage Notes

Direct Purchases: Approach banks or individual sellers directly.

Note Brokers: Work with professionals who specialize in buying and selling notes.

Auctions and Marketplaces: Explore online platforms dedicated to note trading.

Evaluating Mortgage Notes

When evaluating a note, consider:

Borrower Creditworthiness: Assess the borrower's financial history.

Property Value: Ensure the property is worth the investment.

Payment History: Review past payment patterns to gauge reliability.

The Purchase Process

Negotiation: Agree on a purchase price with the seller.

Documentation: Ensure all legal documents are in order, including the assignment of the note.

Closing: Finalize the transaction through an escrow service or attorney.

Managing Your Investment

Payment Tracking: Keep meticulous records of payments received.

Communication: Stay in touch with borrowers to address any issues.

Default Management: Have a strategy for handling late or missed payments.

Exit Strategies

Consider your options for exiting an investment:

Selling Notes: If you wish to liquidate your investment, consider selling on the secondary market.

Foreclosure: As a last resort for non-performing notes, you may need to initiate foreclosure proceedings.

Re-performing: Work with borrowers to help them resume regular payments.

Scaling Your Investment

Once you're comfortable, think about expanding your portfolio:

Diversification: Invest in different types of notes and various markets.

Automation: Utilize software tools for tracking payments and managing your portfolio.

Partnerships: Collaborate with other investors to share resources and expertise.

Conclusion

Mortgage note investing offers a unique opportunity to earn passive income and build wealth. By understanding the fundamentals and following a strategic approach, you can turn your investment into a profitable venture.

Additional Resources

Books: Look for reputable titles on mortgage note investing.

Webinars and Courses: Consider platforms that offer in-depth training.

Networking Groups: Join communities of like-minded investors for support and advice.

[riversfunding]

Chicken and egg: can start-ups get business loans?

In our recent article on debunking business loan myths, we discussed the question of new businesses. Lots of people are under the impression that, as a new business, it's not possible – or at least very difficult - to get a business loan. While it's true that without a financial track record it can be harder to secure borrowings, it doesn't mean you don't qualify for business loans, it just means that there may be different criteria that you need to meet, or you may need to search for the right lender. 

Why is it harder for new businesses to get a business loan? 

New businesses often find it harder to secure a business loan for a number of reasons, all of which make them seem high risk in the eyes of many lenders. 

Read full blog - https://www.riversfunding.com/news/can-start-ups-get-business-loans

[koshfinance]

How Treasury Management Software Improves Cash Flow Forecasting

Did you know that 82% of business failures are due to bad cash management? This is what SCORE and a major U.S. bank found. Good cash flow forecasting is key to keeping enough money and making smart financial choices. With 75% of CFOs wanting to use more tech, the role of treasury management software (TMS) in forecasting is huge.

Key Takeaways

Cash flow forecasting is vital to prevent business failures related to poor cash management.

Automation in treasury operations shifts focus from routine tasks to strategic endeavors.

Real-time data access enhances cash visibility and decision-making efficiency.

Treasury management software enables accurate predictions for better financial planning.

Emphasizing cash flow management is essential for business growth and risk management.

Advanced TMS solutions reduce human error and streamline financial reporting.

Understanding Cash Flow Forecasting

Cash flow forecasting is key to managing cash well. It predicts future cash flows using past data and patterns. With financial forecasting software, companies can better plan their money needs and pay their bills on time. Knowing about treasury management solutions helps understand the importance of cash flow forecasting for a company's health and success.

What is Cash Forecasting?

Cash forecasting is about guessing future cash in and out. It helps companies keep enough money, plan for funding, and manage their working capital. Hybrid forecasting methods have helped companies in manufacturing cut forecast errors by 15%. This mix of past data and current market info makes forecasts more reliable.

Importance of Predicting Future Cash Flows

Forecasting future cash flows is very important. It helps companies save money, avoid financial problems, and plan for the long term. In retail, 85% of finance pros say cash forecasting improved their working capital control.

Benefits of Cash Flow Forecasting

Cash flow forecasting is key for corporate treasurers. It gives them vital insights into their financial health. With good cash management, companies can boost their cash flow and navigate their finances better.

Improved Cash Management

One big plus of cash flow forecasting is better visibility into cash. This lets businesses manage their liquidity well and use their cash wisely. For example, they can plan for short-term cash needs and avoid cash shortages.

They do this by accurately predicting future sales and costs. This sets the stage for effective cash management.

Enhanced Financial Planning

Strategic forecasting lets businesses see cash shortfalls or surpluses ahead. This helps finance teams make smart choices about spending and investing. By using finance management software, companies can budget better and compare plans.

Good financial planning lets treasurers adjust their strategies based on cash flow changes.

Better Decision Making

Accurate cash flow forecasts give decision-makers the data they need. They can spot investment chances during surpluses or know when to get funding to avoid shortfalls. These insights lead to better decision-making, aligning financial goals with operational efficiency.

How Treasury Management Software Improves Cash Flow Forecasting

Treasury management system is key to better cash flow forecasting. It has core functions that make financial operations smoother. This makes it vital for businesses to manage their money well.

Core Functions of Treasury Management Software

The top treasury management systems automate financial tasks. This includes transaction processing and data management. It cuts down on errors and saves time for finance teams.

These systems use predictive analytics. They help forecast cash flow based on past data and market trends.

Real-time Insights and Financial Visibility

Treasury management systems give real-time financial insights. This helps businesses keep a close eye on their cash flow. It leads to better liquidity management.

Advanced solutions have dynamic reporting dashboards. They help make decisions based on current financial status. Automation boosts cash management by 70% and cuts bank fees by 30%.

Integration with Financial Planning Systems

Linking treasury management software with financial planning systems boosts forecasting. Advanced integration connects with ERP systems and other financial tools. It gives a full view of a company's financial health.

This helps in creating strategies that meet business goals. Businesses using these solutions manage risks better and stay compliant. They avoid financial uncertainties.

Cash Forecasting Strategies Leveraged by Treasury Software

Treasury management software makes cash flow forecasting better by using different strategies. These strategies help predict cash positions more accurately. Knowing about bottom-up and top-down forecasting is key for good funds management.

Each method meets different business needs. They use the strong features of cash forecasting software.

Bottom-Up vs. Top-Down Forecasting

Bottom-up forecasting adds up data from each business unit for a total cash forecast. It's detailed and accurate because it uses real money coming in and going out.

Top-down forecasting starts with big financial goals for the whole company. Then, it breaks these down into cash flow parts. This gives a big picture view and makes sure cash flow matches company goals. The right choice depends on the company's size and needs.

Hybrid Forecasting Approach

A hybrid approach mixes bottom-up and top-down forecasting. It uses detailed data and big-picture views together. This way, forecasts are more complete and accurate.

Using cash forecasting software helps treasury teams work better. They can gather data faster and report more efficiently. This approach helps manage risks, make better investments, and keep liquidity high in many industries.

Features of Advanced Treasury Management Solutions

Advanced treasury management solutions are key for businesses looking to boost their financial plans. They come with advanced forecasting tools and better liquidity management. These features greatly affect how cash flows in and out of a company.

Sophisticated Forecasting Tools

Modern treasury management software gives companies powerful forecasting tools. These tools help predict cash flow more accurately. They allow for deep financial analysis, showing trends and market changes.

This information is very useful for managing cash flow better. It helps in making smart financial plans.

Enhancements in Liquidity Management

Good liquidity management is vital for businesses to pay their bills on time. Treasury management solutions improve forecasting of liquidity. This lets companies see their cash flow needs clearly.

With this knowledge, companies can get ready for future cash needs. This keeps operations stable and helps make the most of extra funds.

Implementing Treasury Management Software

Getting a treasury management system right takes careful selection and proven strategies. Companies need to look at their cash management needs. This helps find software that fits their goals, whether they're small or big.

Choosing the Right Cash Management Software

The right software can greatly improve treasury operations. Key things to think about include:

How well it works with current systems and workflows

If it can grow with your business

Its security to keep financial info safe

Tools for analysis and forecasting

How easy it is for financial teams to use

Best Practices for Effective Implementation

To make treasury software work well, follow these best practices:

Set up a clear project plan with roles and tasks.

Get everyone involved to make sure everyone is on the same page.

Provide detailed training so users know how to use the software.

Check how the software works and improve it as needed.

Keep support going even after it's set up.

By using these strategies, businesses can get the most out of their treasury management system. This includes better cash flow forecasting and improved financial operations.

Conclusion

Treasury management software greatly improves cash flow forecasting. It gives companies real-time insights for better financial decisions. This technology optimizes cash management and reduces financial risks.

With advanced tools, treasurers can manage cash better. They can also improve financial reporting and predict cash flows accurately. This is key in today's fast economy.

Using a Treasury Management System (TMS) helps manage finances well. This leads to better profits and more efficient operations. A PNC Bank study shows companies with TMS have 25% more cash.

These systems also help follow regulations, protecting against legal issues. So, treasury management software is a smart choice for businesses. It boosts cash flow forecasting and helps grow financially.

Read More: How to Optimize Treasury Operations with Automated Cash Management Techniques

[transsexula]

Also let's not mention that their take is fucking stupid because it DOES materially affect many students in these schools that are protesting. Are we really gonna fucking pretend that it isn't horrific to learn that your own university is funding the genocide of YOUR FAMILY????

There are STUDENTS at these schools with family who have died in these attacks. Their family is ACTIVELY DYING IN THE GENOCIDE. A GENOCIDE WITH BULLETS AND BOMBS BUILT BY COMPANIES FUNDED BY THEIR TUITION.

centrist guy in 1970 seeing university anti-vietnam war protests in the news

[dreamstz1]

Financial Planning for Small Business Owners: Key Steps to Success

Running a small business comes with its own set of financial challenges, making effective financial planning essential for long-term success. Financial planning helps business owners manage cash flow, make informed decisions, and ensure the sustainability of their operations. This guide provides practical steps and strategies for small business owners to create and maintain a solid financial…