Equities First Holdings has given its clients over $1.4 billion since 2002. The company was founded in Indiana, United States, but it has quickly opened offices in such places as Perth and China. It has a low-interest rate and bases its loans on stocks. Starting in 2013, when the company opened its London office, billionaires have obtained shareholder loans with the company. Equities First Holdings has made big goals for the future, including wanting to give out over $2 billion, and it is on its way to reaching them as it allows its clients to go through a simple loan process.
Entrepreneur Sandy Chin is highly respected in the financial community for founding the first mutual fund focused on staples, Tidal Bore Capital, in 2016. While the staples sector of the economy may not seem as glamorous as the freewheeling world of startup and speculative companies, with 20 years of experience covering the staples sector of the economy, Chin is ideally suited to helping her clients make real money in the field. Her academic achievements include earning a BA in political science from Columbia University and an MBA from New York University.
As far as giving advice to budding entrepreneurs, Chin definitely recommends doing your homework and thoroughly understanding the industries that you are involved with before making business decisions. Her own days start with scanning the headlines for news about the companies she monitors then move into attending meetings, talking with industry insiders and much more all with the understanding that forewarned is forearmed when it comes to investment.
She is able to bring the financial vision to reality by quickly synthesizing the information she uncovers and adjusting her portfolio choices accordingly. This skill, she says, has been developed through years of practice. Chin recommends always asking for more, but not necessarily for things you want. It’s good to value yourself and ask for a raise, for example, but only after asking for more work first! She also recommends never refusing a meeting with anyone because you never know what that person has of value.
She also learns from failure; for example, once she was over-exposed in her portfolio in a small section of the staples market and took a hit. Now, she monitors her holdings to make sure that she has not put too many eggs in one basket. As far as her work tools, Chin is both high and low tech, using software from Box.com to manage data wherever she is and also using pens with two colors of ink in order to be able to make sense of notes later on.
Anil Chaturvedi is the Managing Director of Hinduja Bank, located in Geneva, Switzerland. He joined this bank in 2011 after leaving Merrill Lynch bank where he worked for 17 years. He has been in the banking industry for the past 40 years. His understanding of the financial sector is solid, and clearly, very few people on the globe have the experience that Chaturvedi has acquired.
Anil Chaturvedi is respected as a banker and a financial expert. He has helped business organizations which have approached him for guidance achieve financial prosperity. At Hinduja Bank, Chaturvedi is in charge of the corporate advisory.
In the four decades that he has been in the banking sector, he has handled a wide range of services in the banking sector. He has dealt with private and investment banking which places him in the perfect position to lead the way for others. Some of the services he has provided include mergers and acquisitions, restructuring and bringing investors in banking organizations.
Chaturvedi’s experience in the banking sector places him in the right position to offer indisputable financial advice. In times of crises, he is normally sought after by other banking institutions and business organizations which are facing challenges of dealing with financial management.
Anil Chaturvedi holds a degree in economics from Meerut University. He then obtained an MBA from Delhi University. Armed with his education certificates, he was ready to pursue the dreams he harbored of being an entrepreneur. He had the passion for pursuing his dreams and therefore, he never struggled to fit the in banking sector. His results in different organizations were impressive making him move from one institution to the other.
He started his career at State Bank of India. He was responsible for the planning and development of the bank. He worked for four years in this bank and left with a great track record of results. The bank made $500 million, and he was awarded “Man of the Year” for the achievement.
Anil Chaturvedi moved to ANZ Grindlays for just two years before shifting to Merrill Lynch, a top-tier American bank. He stayed in this bank for 17 years. His next destination was at Hinduja Bank in 2011 where he is still serving.
A simple excursion to the grocery store provides a basic lesson on inflation to the average American consumer, “What happened to the price of orange juice?” While weather fluctuations and agricultural conditions affect the price, the cost of that half gallon represents a small variable in the larger equation that measures inflation. The terminology can be daunting: target inflation rate, core rate, federal funds rate, personal consumption expenditure.
Notwithstanding, there is an inflation measure, publicized on the evening news, the Consumer Price Index (CPI) which, when rising, indicates increases in the cost of everyday goods and services. With the current inflation rate in the U.S. at 2.1%, there is a degree of nervousness among market analysts about future upsurges.
With most incomes fixed until the annual pay review, monthly price rises are worrisome. Consequently, outlay increases for the same purchase, or purchases are postponed, in effect lowering the standard of living. The most dramatic examples are big-ticket items, evidenced by the cost of a new car, or building a house. Nonetheless, for the retired or those planning for retirement, the effects are acute. Inflation has the result of a pay cut, eroding the value of a retirement plan, directly impacting the retiree’s standard of living.
Closely following higher inflation are higher interest rates for mortgages, credit cards, and auto loans, nevertheless, savings account rates and money market rates lag, leading consumers to explore other options for protecting their funds. Accordingly, individuals might invest in artwork, commodities, or other tangible assets that increase in value with inflation. Ordinarily, a portfolio that includes gold is not subject to the vagaries of commodity bubbles. U.S. Money Reserve, founded in 2002, encourages consumers to include gold in their portfolio to both preserve capital and enhance capital growth. Philip N. Diehl, current president of U.S. Money Reserve, and a former director of the U.S. Mint noted, “Gold often rises when other assets are crashing.” Gold values consistently rise faster than inflation, accelerating whenever inflation exceeds 3%.
An established company with a customer focus, U.S. Money Reserve offers consumer education and information on precious metals from gold and silver bullion and bars to certified gold and silver coins authenticated by PCGS, the Professional Coin Grading Service. Staffed with a team of numismatic and precious metal experts, U.S. Money Reserve customers receive superior service, “… with the goal of establishing a long-term relationship.”