Wealth & Finance Magazine October 2014 - Wealth & Finance International

The Entrepreneur’s Guide to Funding a Start-up Brew Business: Costs and Strategies

Whether you've been daydreaming of craft beers bearing your own label or you're simply passionate about brewing at home, carrying it into a full-blown business is an entirely different story. It involves significant costs, meticulous planning, and often findin

10 Fraud Trends of 2023: What to Look For

As you navigate through the digital landscape in 2023, cyber fraudsters continually adapt and innovate ways to scam innocent victims. The scope for fraudsters to exploit grew exponentially this year, from subtle phishing schemes to igniting trust fires using d

How to Get a Commercial Loan (A Step-By-Step Guide)

Taking a loan can be intimidating for anyone, particularly if you have never done it before. Like most things, though, it becomes much less scary with more information and the steps needed to finish the process.A commercial loan is a non-specific sum of money

What is a Financial Advisor and How to Choose One?

Using a financial advisor is a great way to manage your money better. These money-management professionals aren’t just for the super wealthy. There are financial advisors for every person, business, budget, and issue. If you’re considering hiring a finan

How to Start Your Own Mortgage Company

The realm of real estate financing not only presents an opportunity to tap into a vast market of potential homeowners but also promises substantial returns. As of 2023, Americans owe a staggering $12.01 trillion on their mortgages, which accounts for 70.4% of

6 Risk Management Techniques for Forex Traders

The reason most forex traders lose money isn't because of inadequate market knowledge or inexperience but due to poor risk management. To be a successful trader, you must determine your risk appetite, identify your risk-reward ratio on every trade, and establi

Three Ways Data Engineering Can Empower Financial Institutions

Streamlining operations, garnering valuable insights and securing your business: data engineering has a major role to play in the fintech industry.In today’s rapidly changing business landscape, meeting the highest security standards, processing large amount

From Cashless to Super Apps: Exploring the Fintech Trends Shaping the Future of Finance

Fintech services continue to change, accelerate and improve the way we conduct our financial practices Technological innovations in fintech are continuing to evolve, as we reach the halfway point of 2023. Gen Z is leading the way for fintech service adoption

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Cybersecurity Solutions are the Most Popular IT Investments Among British Companies This Year

Cybersecurity expert explains why budget allocation to IT needs and cybersecurity are crucial The purchase of cybersecurity solutions/services (66%), as well as cybersecurity training (57%), are the most popular IT investments among British businesses this yea

Fintech: How Financial Technology Is Benefitting Businesses

Is your business operating as efficiently as it could be? For smaller businesses and startups, maximising efficiency can be the difference between surviving and thriving. In today’s rapidly-evolving commercial landscape, being an early adopter of the latest

Hackers Quantum Leap: ‘Impregnable’ Off-Grid Computers Exposed by the One Thing They Can’t Do Without – Their Power Supply

Researchers reveal how hackers are now able to penetrate supposedly unhackable air-gapped computers used by corporations, government agencies and the military to secure their most sensitive data.Shielded from the internet and IT networks, these off-grid server

Cyber security or cybercrime attack and threats to the Internet personal information computer network

Three of the World’s Most Expensive Phishing Attacks and How You Can Prevent Them

A number of high-profile cyber-attacks in 2021 have thrust cybersecurity back into the spotlight. In light of the HAFNIUM hack, cybersecurity has become a major focus for many businesses. Although the hack itself was not the result of human error, it was a wak

Applying For Personal Loans

By RICHARD CONARD When it comes to financing personal expenses, personal loans can be a viable option. Jackson and Marlboro are two cities that offer personal loans, and in this article, we will explore the process of applying for a personal loan in these loca

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Where to Invest: Top 3 Investments to Protect Yourself Against Inflation

As we’re preparing to deal with an 11.1% inflation as of October 2022, people are looking for ways to secure their money and capitalise on their assets. Cryptocurrency, NFTs, and stocks have become popular forms of investment in recent years, but they might

Revealed: Top 3 Types Of Businesses To Start In The UK – The 2nd Country With The Most Bankruptcies Worldwide

Gareth Smythe, the CEO and founder of Hilton Smythe – one of the foremost business brokering companies in the UK; has highlighted three types of businesses for serial entrepreneurs to start in the UK. According to Statista, a record 22,305 businesses will go

What is a Financial Advisor and How to Choose One?

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Exploring Optimal Financial Alternatives for Your Business

Scaling and growth are important for any business that wants to survive. But finding secure funding methods to do just that is easier said than done. After all, conventional funding channels can either be challenging or excruciatingly slow. This can not only h

Could Climate Change Trigger Another Global Financial Crisis?

Russ Bowdrey, Head of Client Servicing, Climate & ESG SolutionsPredicting the ebb and flow of the global financial markets can often be likened to gazing into a crystal ball. This outlook becomes even more opaque when climate change impacts are thrown into

Expert Shares Top Tips for Saving On Your Home Insurance Costs This Year

With the rising cost of living in the UK, many consumers are keeping regular tabs on their spending and looking for ways to cut costs when taking care of and maintaining their homes. With this in mind, Chris Lear, Managing Director of insurance broker One Sur

Fraud Prevention in the New SCA Era

A new payment regulation, Strong Customer Authentication (SCA), will soon be mandatory in the UK. In March 2022 this once-in-a-generation change will come into force for UK retailers, and bring with it the potential to massively disrupt an enterprise or to pus

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The Secret Behind Thriving E-commerce in 2023: Navigating Four Make-or-Break Hurdles

Key Takeaways:Shifts in payment methods reveal a growing demand for diversified payment portfolios among merchants.The post-COVID era pushes retailers into managing both genuine and malicious online returns strategically.The rise in cross-border sales off

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8 Ways to Secure Funding for Your New Venture

Although conditions are challenging for new business ventures this year with factors such as the pandemic and cost of living crisis playing a part, all hope is not lost…In total, there were 5.47 million small businesses in the UK during 2022 this accounted f

Business Financial Planning Financial Analysis for Corporate Growth

Why Non-Traditional Methods of Funding are More Popular Than Ever

Growing a business in the current economic climate is a challenge. With rising costs slashing profit margins and prohibiting growth, external investment has become almost a necessity for small and medium-sized enterprises (SMEs) to expand. Even established bus

Outstanding Debt? Don’t Get Caught Short

James Stephenson, commercial litigation legal director at Napthens solicitors, talks through the legal options your business can take when seeking payment for outstanding debts.With the new tax year having just commenced, it’s a good time to review outstandi

Go Green: Why Green Loans Are More Common Than Ever

In today’s business climate, there’s no denying the importance of sustainable operating practices. Operating sustainably has plenty of tangible benefits for businesses – aside from a clean conscience of course. Increased profitability and desirability as

Globant’s Be Kind Tech Fund Invests in Web3-Based Platform Polemix to Facilitate Discussion on Hot-Button Issues

The Be Kind Tech Fund's investment will support Polemix in its goal to build and scale the first Web3-based platform facilitating discussion of important causesThe Be Kind Tech Fund also announced that Spanish venture capital firm Seaya and London-based entre

Best Private Equity Investment Group – East Asia

AEI Capital is passionate about dealing with the capitalization of corporate vision. It knows that anything is possible with the correct strategy alongside a smart capitalization model and a knowledgeable blueprint for the most effective, essential parts of th

Could Climate Change Trigger Another Global Financial Crisis?

7 Strategies to Reduce Your Crypto Taxes

By Trevor English, VP at LedgibleKey takeaways Cryptocurrency investors have several options to defer or avoid taxesInvestment holding periods and transaction types significantly affect tax liability Tax rules can vary widely across jurisdictions Nobody l

Investing in the Start-Up Stars of Tomorrow

Investing in Britain’s most promising young businesses has become increasingly popular, resulting in record years for venture capital fundraising. Demand has been fuelled by restrictions on pension allowances for higher earners and tax changes affecting buy-

From AI to Inflation, Here Are the Top Five global Trends Investors Should Consider

Maxim Manturov, Head of Investment Research at Freedom Finance Europe, outlines the key trends for investors to take notice of in the first half of 2023From technological advancements impacting businesses and individuals across the globe to macroeconomic rippl

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Equities: Can the Rebound Continue?

Following a 15% rebound in global equity markets since last autumn, Christopher Lewis, Head of Investment Strategy at Cazenove Capital, shared his thoughts on the outlook: “In our view, recent support for risk assets has come from an improvement in investor

Top Five Stocks for February

Maxim Manturov, Head of Investment Research at Freedom Finance Europe, gives investors insight into the top-performing stocks for February 2023The market experienced serious losses in 2022, but the tide is turning in 2023. Last month, investors were given a g

Expert Shares Top Tips for Saving On Your Home Insurance Costs This Year

Is It Harder to Get a Mortgage If I’m Self-Employed?

Being self-employed shouldn’t automatically mean securing a mortgage will be a challenge. With over 4.2 million British workers now classified as self-employed – and expectations the sector will only continue to grow - it is more important than ever before

Tips for Bringing Forward Your ‘Tax Freedom Day’

This year Tax Freedom Day falls on Thursday 8th June. This is the day of the year by which, theoretically, the average UK taxpayer will have earned enough to pay all of their taxes for that year. This includes tax on all income, as well as the purchase of all

Credit Scarred: Dark Web Study Reveals Brits are Europe’s Biggest Card Fraud Victims

Research into a dark web database of six million global card details showed only America and India had more payment data stolen than the UK Two-thirds (63%) of Brits’ stolen data came with other private information, including National Insurance numbers, addr

Six Reasons Why It Pays to Pay for Probate

By James Mabey, Partner at Winckworth SherwoodAmid the high levels of current inflation and the economic backdrop, it is understandable that many executors will decide to administer a deceased’s estate themselves and dispense with the cost of instructing a s

Applying For Personal Loans

7 Strategies to Reduce Your Crypto Taxes

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Approved Finance Group Launches Tax Division

Milton Keynes-based asset finance brokerage Approved Finance Group has announced the launch of Approved Tax Limited (ATL), its new division designed to support SMEs with innovative funding solutions. Its new specialist tax advisory focuses on incentives

The Taxes You Must Pay As An Online Seller in the UK

With figures from Aviva showing that one in five adults in the UK has taken on a side hustle since March 2020, it is important to be aware of how these income drivers impact your tax charges.All workers in the UK must pay national insurance and income tax, but

Tax text in wooden cubes and tax or vat form documents to complete Individual income tax return form for payment to Government

Here’s Everything You Need to Know for the New Tax Year

Tax experts at SJD Accountancy have shared a checklist of all the tax changes set to impact the 4.3m people registered as self-employed in the UK from April 2023 We are now in the new tax year, meaning it’s crucial that everyone is aware of how any of the ne

Top Tips for Tax Efficiency Before the End of the Year: ISAs, Pensions, VCTs, EISs and Capital Gains

By Madeleine Ingram, Director at Calculus CapitalWith the tax year-end fast approaching, are you thinking about how to best maximise your tax efficiency? From ISAs to pensions, VCTs to EISs, there are plenty of ways to make your money work harder. ISAsThe ann

Three VCTs to Buy Before the End of Tax-Year

The tax burden is at its highest since 1949, increasingly weighing on higher earners. And it’s about to get worse. Come 6th April, more people will be dragged into the higher and top rates of tax, whilst those already caught will see their tax bills rise. As