As we continue to experience inconsistencies in the financial structures of organizations due to external economic factors, we find inverse ratios are a success with constant influx of Green Projects! Substantial investment is being cultivated into the Green Technologies which is not only going to revolutionize each and every industry but also bankrupt many organizations due to requirements that are going to be set forth by public entities to incorporate these technologies into everyday uses. The Green Revolution is engulfing every continent and growing rapidly.
By no means am I opposed to the environmentally friendly products, or Green Revolution as a whole, but evaluating these technologies on the cost structure and pricing index models, the payout is much longer to procure its benefits on the monetary standpoint. It is purely a deceptive model that is bound to fail, but of course, how else can we make our profits, hire individuals to create these products and compete on a global scale. We are a progressive society that is driven by emotions, so why not channel them into appropriate uses and make sound decisions by incorporating budgetary aspect.
While the Green Revolution has already begun, we need to make it a part of our daily lives and understand the methodologies and longevity of these products. We will be seeing a total transformation of the whole humankind and the worlds we exist in as this technology is being echoed in every sector and industry. It would be rather impulsive and oblivious to think of this revolution as something insignificant. The government bodies and mega corporations have been spending millions if not billions into making this a reality and sooner than later it will happen. So I say embrace yourself, but make yourself a part of it by either innovating, investing, or engineering it, because it is approaching fast!
Showing posts with label business. Show all posts
Showing posts with label business. Show all posts
Tuesday, July 27, 2010
Thursday, July 15, 2010
Financial Reform & Capitalism: A Paradox? Posted This Week by Rahim Thawer, Managing Director of Disruptive Strategies Inc
A profound and enlightening argument can be made on either side of the fence relative to financial reform, however my deference and fidelity goes towards opposing the financial reform in particularly certain highlights which will not only restrict lending but border the founding fundamentals of America!
The politicians may very well have a convoluted way of presenting the Financial Reform; however it is a civil responsibility of each citizen or entrepreneur to understand the long term ramification of restricting growth of these businesses which are directly proportional to the lending arena. No longer are the banking models viable for today’s economy, let alone of tomorrow. Capitalism has to be re-invented through not so traditional channels, but through dynamic and agile strategies only to be formed by a few, who will lead to the new heights, followed my masses.
But of course, we are brazen yet ambiguous and I feel we need to rethink of the path we are paving for the future of American Corporations. Regardless of what influence this bill may have, we need to create parallel synergies with our business associates, partners, vendors and restructure not only our operations, but attitude towards monetary gains or losses. Creativity has always played a conspicuous role in the history of America from the time of Henry Ford to current social media boom such as Facebook. So I say, don’t just engineer it, but re-engineer it! After all, all that you have created is bound to fail from computers to cars to even central heating device in your house! So, re-engineer it!
The politicians may very well have a convoluted way of presenting the Financial Reform; however it is a civil responsibility of each citizen or entrepreneur to understand the long term ramification of restricting growth of these businesses which are directly proportional to the lending arena. No longer are the banking models viable for today’s economy, let alone of tomorrow. Capitalism has to be re-invented through not so traditional channels, but through dynamic and agile strategies only to be formed by a few, who will lead to the new heights, followed my masses.
But of course, we are brazen yet ambiguous and I feel we need to rethink of the path we are paving for the future of American Corporations. Regardless of what influence this bill may have, we need to create parallel synergies with our business associates, partners, vendors and restructure not only our operations, but attitude towards monetary gains or losses. Creativity has always played a conspicuous role in the history of America from the time of Henry Ford to current social media boom such as Facebook. So I say, don’t just engineer it, but re-engineer it! After all, all that you have created is bound to fail from computers to cars to even central heating device in your house! So, re-engineer it!
Monday, July 5, 2010
‘Double Dip” Recession? Posted This Week by Rahim Thawer, Managing Director of Disruptive Strategies Inc
We continue to experience high unemployment, Europe’s debt crisis, quivering housing market descending stock prices. The US economic recovery still remains a concern and we continue to see it trending towards a double dip recession. Despite unprecedented fiscal stimulus, fears of a double dip recession persist through 2010! Can this be an opportunity for investors, corporations, companies to capitalize on? Absolutely!
There is constant negativity that is being channeled through media to scare investors and companies and to shake consumer confidence to slow the recovery process. The media and the elite few constantly re-visit the recent collapse of the financial system and structure according to the trending market analysis.
While there may be a hindrance in the financial system to produce monetary capital to sustain the current financial model, that is obsolete, the opportunities do exists and businesses simply have to restructure their daily operations based on various external factors to survive this desolate cycle. Recession not only brings detrimental outcomes but also benevolent liberty in almost every field, the key is to identify them and for strong short term strategies. The future is of those who are creative and are not intimidated by financial agitation but rather put their best foot forward and go full force. This is the time to revisit old concepts and re-strategize to rebuild your businesses and let your competition experience a triple dip recession!
There is constant negativity that is being channeled through media to scare investors and companies and to shake consumer confidence to slow the recovery process. The media and the elite few constantly re-visit the recent collapse of the financial system and structure according to the trending market analysis.
While there may be a hindrance in the financial system to produce monetary capital to sustain the current financial model, that is obsolete, the opportunities do exists and businesses simply have to restructure their daily operations based on various external factors to survive this desolate cycle. Recession not only brings detrimental outcomes but also benevolent liberty in almost every field, the key is to identify them and for strong short term strategies. The future is of those who are creative and are not intimidated by financial agitation but rather put their best foot forward and go full force. This is the time to revisit old concepts and re-strategize to rebuild your businesses and let your competition experience a triple dip recession!
Monday, June 28, 2010
Disruptive Strategies Inc Managing Director, Rahim Thawer Posts This Week: The Banking Bubble Bursts.
The Banking Industry is on the verge of changing forever due to various economic factors and financial models that had been created in the last decade to create cheap monies and massive profits for bankers and their investors. The ideology and concept of free money cash flows was embraced by most banks due to simple supply and demand economics and backed by the Industrialized America.
This refinement of cheap money was not only led by various government entities but creative bankers exercising their newly formed simulations which gave way to the new world of power and higher profits. It is due to this transformation that the companies grew exponentially and dominated the global presence spreading awareness of their products and services. This notion gave birth to societal segregation and fueled the economy even more creating more wealth.
Today, this model is disintegrated and is obsolete! No longer can the economies of various industries support it and thrive. This model was shattered equally by investors as well as the consumers. There exists surplus of anything and everything including debt, and all this can very well be an opportunistic buy, but is it? Are we making the same mistakes and looking at these existing ventures and projects as opportunities just because they are up for sale for pennies on the dollar?
There may very well exist plenty of opportunities for the right investor and less and less ventures are getting funded as we see many banks go bankrupt and close their doors forever! Entrepreneurs can no longer use ancient traditional channels to conduct their business activities and seek to raise capital for the growth. The ways of analyzing projects has already changed, at least in the bankers mind. Perhaps this is the reason why we are experiencing illiquidity in the marketplace. Change is what we had asked for, and change is what we got. This transformation is going to revert us back to the old days where credit was limited and so was capitalism. Our future is now in the hands of the creative minds of tomorrow and innovators who will recapitulate the system.
This refinement of cheap money was not only led by various government entities but creative bankers exercising their newly formed simulations which gave way to the new world of power and higher profits. It is due to this transformation that the companies grew exponentially and dominated the global presence spreading awareness of their products and services. This notion gave birth to societal segregation and fueled the economy even more creating more wealth.
Today, this model is disintegrated and is obsolete! No longer can the economies of various industries support it and thrive. This model was shattered equally by investors as well as the consumers. There exists surplus of anything and everything including debt, and all this can very well be an opportunistic buy, but is it? Are we making the same mistakes and looking at these existing ventures and projects as opportunities just because they are up for sale for pennies on the dollar?
There may very well exist plenty of opportunities for the right investor and less and less ventures are getting funded as we see many banks go bankrupt and close their doors forever! Entrepreneurs can no longer use ancient traditional channels to conduct their business activities and seek to raise capital for the growth. The ways of analyzing projects has already changed, at least in the bankers mind. Perhaps this is the reason why we are experiencing illiquidity in the marketplace. Change is what we had asked for, and change is what we got. This transformation is going to revert us back to the old days where credit was limited and so was capitalism. Our future is now in the hands of the creative minds of tomorrow and innovators who will recapitulate the system.
Monday, June 14, 2010
Disruptive Strategies Inc announces GA, FL, & MI Community Development Loans to initiate Economy Recovery for Businesses.
Disruptive Strategies Inc has partnered up with a number of brokers and associations to channel funding and financial products to small and midsize businesses that are looking for capital for either growth or simply refinance rate and term.
Disruptive Strategies Inc, a Venture Capital and Private Equity Partnering Firm has recently announced a syndication of over 515 institutional and private investor who have committed through the parent company, Waterbury Financial Strategies Inc in lending activities.
As business continue to experience illiquidity in the lending arena, Disruptive Strategies Inc has formed a syndication with a number of investors to bring funds to communities that are in need to capital infusion. The purpose of the syndication is to mobilize business lending in local communities through regional institutions and foundations. The Disruptive Strategies Inc Syndication will provide financing to local businesses at all levels for various activities from business expansion and equipment acquisitions to even factoring. The Syndication will help sustain and grow U.S. businesses, whether they are in growth stage or distressed and drive job creation and contribute to the economic recovery of communities across the nation.
"It has been a challenge for many businesses to seek capital for various businesses activities and we continue to confront the issues of limited resources. We have various products that are available to all the businesses across the US and Canada. However, the community development loans are specially geared towards certain businesses that are seeking funding to even financial assistance," said Disruptive Strategies Inc Managing Director Rahim Thawer.
About Disruptive Strategies Inc:
Disruptive Strategies Inc is a Venture Capital and Private Equity Partnering Firm combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world's most successful companies and collaborates with clients to help them become high-performance businesses.
As the economic landscape has forever changed, so must businesses that will want to not only survive but thrive in this new world economic order. No longer do businesses have the immense resources available and therefore their investors (lenders, stock market, employees) will require a new approach and more predictable returns.
About Waterbury Financial Strategies Inc:
Waterbury Financial Strategies Inc (WFS) is a Venture Capital and Private Equity Firm that focuses on various segments of the Global Market. www.waterburyfs.com
WFS employs some of the sharpest minds in the industry from diverse backgrounds and industries. WFS has established global presences in the USA, Canada, Europe, UAE and South Africa.
Source: Disruptive Strategies Inc. Contact: Investor Relations.
Disruptive Strategies Inc, a Venture Capital and Private Equity Partnering Firm has recently announced a syndication of over 515 institutional and private investor who have committed through the parent company, Waterbury Financial Strategies Inc in lending activities.
As business continue to experience illiquidity in the lending arena, Disruptive Strategies Inc has formed a syndication with a number of investors to bring funds to communities that are in need to capital infusion. The purpose of the syndication is to mobilize business lending in local communities through regional institutions and foundations. The Disruptive Strategies Inc Syndication will provide financing to local businesses at all levels for various activities from business expansion and equipment acquisitions to even factoring. The Syndication will help sustain and grow U.S. businesses, whether they are in growth stage or distressed and drive job creation and contribute to the economic recovery of communities across the nation.
"It has been a challenge for many businesses to seek capital for various businesses activities and we continue to confront the issues of limited resources. We have various products that are available to all the businesses across the US and Canada. However, the community development loans are specially geared towards certain businesses that are seeking funding to even financial assistance," said Disruptive Strategies Inc Managing Director Rahim Thawer.
About Disruptive Strategies Inc:
Disruptive Strategies Inc is a Venture Capital and Private Equity Partnering Firm combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world's most successful companies and collaborates with clients to help them become high-performance businesses.
As the economic landscape has forever changed, so must businesses that will want to not only survive but thrive in this new world economic order. No longer do businesses have the immense resources available and therefore their investors (lenders, stock market, employees) will require a new approach and more predictable returns.
About Waterbury Financial Strategies Inc:
Waterbury Financial Strategies Inc (WFS) is a Venture Capital and Private Equity Firm that focuses on various segments of the Global Market. www.waterburyfs.com
WFS employs some of the sharpest minds in the industry from diverse backgrounds and industries. WFS has established global presences in the USA, Canada, Europe, UAE and South Africa.
Source: Disruptive Strategies Inc. Contact: Investor Relations.
Monday, May 17, 2010
Disruptive Strategies Inc announces an Appetite in Small to Midsize Private Companies Debt Purchase.
Disruptive Strategies Inc, a Venture Capital and Private Equity Partnering Firm has recently announced an Appetite in Small to Midsize Private Companies Debt Purchase through its parent company, Waterbury Financial Strategies Inc.
After a careful analysis of the market conditions and ample supply of debt, Disruptive Strategies Inc has decided to allocate substantial amount of cash for the purchase of debt from small to midsize companies. “From time to time, the capital markets will reach a high cyclical point of generosity and low in terms of discernment and discipline” says Peter Wasserman who is the Chief Investment Officer at Disruptive Strategies Inc. The focus is going to be buying or refinancing existing debts that the companies have at a highly discounted price and passing those savings along to the local entrepreneurs in various communities and regions.
“Like all other asset class and investing strategies, buying distressed debt is a great idea especially now when the prices are below intrinsic value and not to mention the benefit we bring to local private companies” said Rahim Thawer, Managing Director. Disruptive Strategies Inc has been successful in slashing debts as high as 95% in some cases and is excited with the opportunities this brings along with jobs that are created to fuel the local economies.
"We are making a number of commitments to the local communities and happy to see the results from job creation to saving a number of businesses," said Disruptive Strategies Inc Managing Director Rahim Thawer.
About Disruptive Strategies Inc:
Disruptive Strategies Inc is a Venture Capital and Private Equity Partnering Firm combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world's most successful companies and collaborates with clients to help them become high-performance businesses. www.disruptinc.com.
As the economic landscape has forever changed, so must businesses that will want to not only survive but thrive in this new world economic order. No longer do businesses have the immense resources available and therefore their investors (lenders, stock market, employees) will require a new approach and more predictable returns.
About Waterbury Financial Strategies Inc:
Waterbury Financial Strategies Inc (WFS) is a Venture Capital and Private Equity Firm that focuses on various segments of the Global Market. www.waterburyfs.com
WFS employs some of the sharpest minds in the industry from diverse backgrounds and industries. WFS has established global presences in the USA, Canada, Europe, UAE and South Africa.
Source: Disruptive Strategies Inc. Contact: Investor Relations.
After a careful analysis of the market conditions and ample supply of debt, Disruptive Strategies Inc has decided to allocate substantial amount of cash for the purchase of debt from small to midsize companies. “From time to time, the capital markets will reach a high cyclical point of generosity and low in terms of discernment and discipline” says Peter Wasserman who is the Chief Investment Officer at Disruptive Strategies Inc. The focus is going to be buying or refinancing existing debts that the companies have at a highly discounted price and passing those savings along to the local entrepreneurs in various communities and regions.
“Like all other asset class and investing strategies, buying distressed debt is a great idea especially now when the prices are below intrinsic value and not to mention the benefit we bring to local private companies” said Rahim Thawer, Managing Director. Disruptive Strategies Inc has been successful in slashing debts as high as 95% in some cases and is excited with the opportunities this brings along with jobs that are created to fuel the local economies.
"We are making a number of commitments to the local communities and happy to see the results from job creation to saving a number of businesses," said Disruptive Strategies Inc Managing Director Rahim Thawer.
About Disruptive Strategies Inc:
Disruptive Strategies Inc is a Venture Capital and Private Equity Partnering Firm combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world's most successful companies and collaborates with clients to help them become high-performance businesses. www.disruptinc.com.
As the economic landscape has forever changed, so must businesses that will want to not only survive but thrive in this new world economic order. No longer do businesses have the immense resources available and therefore their investors (lenders, stock market, employees) will require a new approach and more predictable returns.
About Waterbury Financial Strategies Inc:
Waterbury Financial Strategies Inc (WFS) is a Venture Capital and Private Equity Firm that focuses on various segments of the Global Market. www.waterburyfs.com
WFS employs some of the sharpest minds in the industry from diverse backgrounds and industries. WFS has established global presences in the USA, Canada, Europe, UAE and South Africa.
Source: Disruptive Strategies Inc. Contact: Investor Relations.
Monday, May 10, 2010
Disruptive Strategies Inc announces a $100 Million Syndicate to mobilize Business Lending in Local Communities.
Partnering with local Foundations and Bankers to Deliver Critical Financing for Small Business and Community Development.
Disruptive Strategies Inc, a Venture Capital and Private Equity Partnering Firm has recently announced a syndication of over 515 institutional and private investor who have committed to a $100 Million Fund through the parent company, Waterbury Financial Strategies Inc.
The purpose of the syndication is to mobilize business lending in local communities through regional institutions and foundations. The Disruptive Strategies Inc Syndication will provide financing to local businesses at all levels for various activities from business expansion and equipment acquisitions to even factoring. The Syndication will help sustain and grow U.S. businesses, whether they are in growth stage or distressed and drive job creation and contribute to the economic recovery of communities across the nation.
"We are making a comprehensive commitment to the local communities by investing through our syndication and help create jobs, grow small businesses through various strategies and resources and contribute to economic recovery," said Disruptive Strategies Inc Managing Director Rahim Thawer.
About Disruptive Strategies Inc:
Disruptive Strategies Inc is a Venture Capital and Private Equity Partnering Firm combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world's most successful companies and collaborates with clients to help them become high-performance businesses.
As the economic landscape has forever changed, so must businesses that will want to not only survive but thrive in this new world economic order. No longer do businesses have the immense resources available and therefore their investors (lenders, stock market, employees) will require a new approach and more predictable returns.
About Waterbury Financial Strategies Inc:
Waterbury Financial Strategies Inc (WFS) is a Venture Capital and Private Equity Firm that focuses on various segments of the Global Market. www.waterburyfs.com
WFS employs some of the sharpest minds in the industry from diverse backgrounds and industries. WFS has established global presences in the USA, Canada, Europe, UAE and South Africa.
Source: Disruptive Strategies Inc. Contact: Investor Relations
Disruptive Strategies Inc, a Venture Capital and Private Equity Partnering Firm has recently announced a syndication of over 515 institutional and private investor who have committed to a $100 Million Fund through the parent company, Waterbury Financial Strategies Inc.
The purpose of the syndication is to mobilize business lending in local communities through regional institutions and foundations. The Disruptive Strategies Inc Syndication will provide financing to local businesses at all levels for various activities from business expansion and equipment acquisitions to even factoring. The Syndication will help sustain and grow U.S. businesses, whether they are in growth stage or distressed and drive job creation and contribute to the economic recovery of communities across the nation.
"We are making a comprehensive commitment to the local communities by investing through our syndication and help create jobs, grow small businesses through various strategies and resources and contribute to economic recovery," said Disruptive Strategies Inc Managing Director Rahim Thawer.
About Disruptive Strategies Inc:
Disruptive Strategies Inc is a Venture Capital and Private Equity Partnering Firm combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world's most successful companies and collaborates with clients to help them become high-performance businesses.
As the economic landscape has forever changed, so must businesses that will want to not only survive but thrive in this new world economic order. No longer do businesses have the immense resources available and therefore their investors (lenders, stock market, employees) will require a new approach and more predictable returns.
About Waterbury Financial Strategies Inc:
Waterbury Financial Strategies Inc (WFS) is a Venture Capital and Private Equity Firm that focuses on various segments of the Global Market. www.waterburyfs.com
WFS employs some of the sharpest minds in the industry from diverse backgrounds and industries. WFS has established global presences in the USA, Canada, Europe, UAE and South Africa.
Source: Disruptive Strategies Inc. Contact: Investor Relations
Tuesday, November 10, 2009
The US Banks: Carry Trade?
Waterbury Financial Strategies Inc CEO / Founder Rahim Thawer post this week: The US Banks: Carry Trade?
A comparison of the investment strategies amongst the major banks versus smaller clearly indicates a dichotomy in various lending models. The US Economy is still in a financial turbulence and it may take a number of years for certain sectors to recover as the banks are not lending due to various internal factors. Lack of liquidity in the marketplace has simply incapacitated the national economy and the tremors are felt throughout various different industries and sectors. The question most entrepreneurs are asking, can our savings and cash flow sustain our current operations and how long will uncertainty last?
The major US Banks are taking advantage of the very low interest rates, near zero and using to capitalize their investment and portfolios by purchase of stocks, bonds, other securities rather than lending those funds to the smaller banks. The marketplace is very sensitive to the data and press releases and can elicit in adjustments in the lending arena. The rules of lending have clearly changed and free market maybe a term that barely exists anymore. A number of smaller banks are tied up and restricted to so much that they can do as the new underwriting guidelines are more regulated.
Lack of lending into smaller communities will eventually lead to closing of number of businesses and add burden to the tax payers and create a domino effect resulting into closing of other businesses as well. Looking at the fundamental swell of the lending arena; there was relative little the banks can do which results into closing of many financial institutions and this may very well be a start. We have already seen a wave of residential default and just starting to see the commercial side.
My Thoughts: cut all your expenses and renegotiate with all the vendors and lenders. It is critical that the small businesses survive as they employ most of the citizens of this country. Diversify your risk by making sounds investments for the future, look far on a global scale. Think of new concepts and get creative to build your business.
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
A comparison of the investment strategies amongst the major banks versus smaller clearly indicates a dichotomy in various lending models. The US Economy is still in a financial turbulence and it may take a number of years for certain sectors to recover as the banks are not lending due to various internal factors. Lack of liquidity in the marketplace has simply incapacitated the national economy and the tremors are felt throughout various different industries and sectors. The question most entrepreneurs are asking, can our savings and cash flow sustain our current operations and how long will uncertainty last?
The major US Banks are taking advantage of the very low interest rates, near zero and using to capitalize their investment and portfolios by purchase of stocks, bonds, other securities rather than lending those funds to the smaller banks. The marketplace is very sensitive to the data and press releases and can elicit in adjustments in the lending arena. The rules of lending have clearly changed and free market maybe a term that barely exists anymore. A number of smaller banks are tied up and restricted to so much that they can do as the new underwriting guidelines are more regulated.
Lack of lending into smaller communities will eventually lead to closing of number of businesses and add burden to the tax payers and create a domino effect resulting into closing of other businesses as well. Looking at the fundamental swell of the lending arena; there was relative little the banks can do which results into closing of many financial institutions and this may very well be a start. We have already seen a wave of residential default and just starting to see the commercial side.
My Thoughts: cut all your expenses and renegotiate with all the vendors and lenders. It is critical that the small businesses survive as they employ most of the citizens of this country. Diversify your risk by making sounds investments for the future, look far on a global scale. Think of new concepts and get creative to build your business.
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
Monday, September 14, 2009
Businesses: Conforming for the Economic Cycle.
Waterbury Financial Strategies Inc CEO / Founder Rahim Thawer post this week “Businesses: Conforming for the Economic Cycle.”
The world we know today is much contrasting and deviating then what we have come to experience over the last few years, or even last few decades. We are no longer residents of a stagnant environment, so if the world around us is constantly adapting to new activities, why are businesses still executing the same old broken models? Perhaps there is a sense of comfort or maybe even there is a lack of understanding of the new evolved concepts that are applicable in today’s marketplace.
The economic cycle changes very frequently for most businesses more like seasons in a year and we need to alter our strategies accordingly. It would be satisfying if the formulas we used last year or even decades ago are applicable today and some revenue streams can be replicated and mastered. However, we know that is not the case so we need to constantly shift our focus and re-formulate.
As many businesses have seen the rise in energy costs in 2008 have directly contributed to loss in profits for many businesses, yet very little has been done and many have simply acknowledged this change and accepted the terms. If we continue to accept these terms that are brought forward by third parties then we are not even fighting this battle and are giving in too early. There are various factors that have played a major role in these businesses, energy being one, frozen credit lines; cost of goods sold has gone up, etc.
So, what should we do? Control your costs. You will need to take charge of your entity and re-negotiate your contracts from your lease payments to vendors who provide goods or services to your business. Don’t wait till the last moment to make important decisions, a procrastinator does more harm than good in any scenario. If the energy cost is cheaper in the evenings then during peak hours, learn to use less energy during those times.
During times of economic hardships, people still buy. Their buying habits may change a little and it is you who has to learn what their needs are and to market your product or service to meet their needs. Perhaps even offer new lines of products to your customers and engage them in your products such as sampling, or promotions, etc.
My Thoughts: Keep Marketing! Evaluate what channels of marketing on effective and efficient, and forego the ones that are not producing returns. One of the biggest mistakes most business do is cut their marketing budget especially in times of financial turmoil. So Keep Selling with a Big Smile. Ear to Ear!
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
The world we know today is much contrasting and deviating then what we have come to experience over the last few years, or even last few decades. We are no longer residents of a stagnant environment, so if the world around us is constantly adapting to new activities, why are businesses still executing the same old broken models? Perhaps there is a sense of comfort or maybe even there is a lack of understanding of the new evolved concepts that are applicable in today’s marketplace.
The economic cycle changes very frequently for most businesses more like seasons in a year and we need to alter our strategies accordingly. It would be satisfying if the formulas we used last year or even decades ago are applicable today and some revenue streams can be replicated and mastered. However, we know that is not the case so we need to constantly shift our focus and re-formulate.
As many businesses have seen the rise in energy costs in 2008 have directly contributed to loss in profits for many businesses, yet very little has been done and many have simply acknowledged this change and accepted the terms. If we continue to accept these terms that are brought forward by third parties then we are not even fighting this battle and are giving in too early. There are various factors that have played a major role in these businesses, energy being one, frozen credit lines; cost of goods sold has gone up, etc.
So, what should we do? Control your costs. You will need to take charge of your entity and re-negotiate your contracts from your lease payments to vendors who provide goods or services to your business. Don’t wait till the last moment to make important decisions, a procrastinator does more harm than good in any scenario. If the energy cost is cheaper in the evenings then during peak hours, learn to use less energy during those times.
During times of economic hardships, people still buy. Their buying habits may change a little and it is you who has to learn what their needs are and to market your product or service to meet their needs. Perhaps even offer new lines of products to your customers and engage them in your products such as sampling, or promotions, etc.
My Thoughts: Keep Marketing! Evaluate what channels of marketing on effective and efficient, and forego the ones that are not producing returns. One of the biggest mistakes most business do is cut their marketing budget especially in times of financial turmoil. So Keep Selling with a Big Smile. Ear to Ear!
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
Sunday, September 13, 2009
Entrepreneurs’ Survival Kit for 2009: Capital Budgeting Decisions with Limited Budgets.
Waterbury Financial Strategies Inc CEO / Founder Rahim Thawer post this week “Entrepreneurs’ Survival Kit for 2009: Capital Budgeting Decisions with Limited Budgets.”
The world is currently experiencing a chaos in not only the financial sectors but all industries across the line and the Entrepreneurs of tomorrow will have to embrace the fact that the tough times are not over just yet. A number of economists have formed their theory and methodologies in regards to this recession as to when it is going to be over, but the reality is, there are too many factors that contribute with too many unknowns. If you have ever worked on any operations research models, you will know this is more like a simulation that has so many unknowns and the results are based on numerous probabilistic models.
Well, the good news is, the entrepreneurs get to allocate the success rate associated with the businesses based on their custom formed models. Capital budgeting is a key to success for every venture so long as it is properly managed in these critical times of economic hardship. This is one of the overlooked activities that needs to be addressed and looked into it in much depth. A thorough evaluation of multiple investment alternatives needs to be addressed alongside with merit analysis for every entity within a business.
One of the red flags that we see when evaluating these businesses is that all the entities are financially dependent of other constituencies and if one fails, then it creates a domino effect pulling the rest down. This is the very reason all projects need to be mutually exclusive, same should apply to investments and other bodies. The most efficient and compelling way to proceed in a capital rationing latitude is to select the group of entities or activities that maximizes the total net present worth of future cash flows over a required investment outlays.
The sooner this model is utilized, the sooner some of these businesses will see a light at the end of the tunnel. This is a critical element to success for most businesses and it cannot be overlooked. This applies so well today, especially with banks not lending.
My Thoughts: Understand the Cost of Capital and the investment scenario to form applicable strategies.
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
The world is currently experiencing a chaos in not only the financial sectors but all industries across the line and the Entrepreneurs of tomorrow will have to embrace the fact that the tough times are not over just yet. A number of economists have formed their theory and methodologies in regards to this recession as to when it is going to be over, but the reality is, there are too many factors that contribute with too many unknowns. If you have ever worked on any operations research models, you will know this is more like a simulation that has so many unknowns and the results are based on numerous probabilistic models.
Well, the good news is, the entrepreneurs get to allocate the success rate associated with the businesses based on their custom formed models. Capital budgeting is a key to success for every venture so long as it is properly managed in these critical times of economic hardship. This is one of the overlooked activities that needs to be addressed and looked into it in much depth. A thorough evaluation of multiple investment alternatives needs to be addressed alongside with merit analysis for every entity within a business.
One of the red flags that we see when evaluating these businesses is that all the entities are financially dependent of other constituencies and if one fails, then it creates a domino effect pulling the rest down. This is the very reason all projects need to be mutually exclusive, same should apply to investments and other bodies. The most efficient and compelling way to proceed in a capital rationing latitude is to select the group of entities or activities that maximizes the total net present worth of future cash flows over a required investment outlays.
The sooner this model is utilized, the sooner some of these businesses will see a light at the end of the tunnel. This is a critical element to success for most businesses and it cannot be overlooked. This applies so well today, especially with banks not lending.
My Thoughts: Understand the Cost of Capital and the investment scenario to form applicable strategies.
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
Saturday, September 12, 2009
American Businesses: Failure to Apply Sensitivity Analysis?
Waterbury Financial Strategies Inc CEO / Founder Rahim Thawer post this week “American Businesses: Failure to Apply Sensitivity Analysis?”
As we are experiencing volatility in the global markets and the US Economy is constantly deteriorating we need to apply appropriate models and re-educate ourselves and our employees and have an elegant top notch management program.
One of the critical models that needs to be utilized by all businesses is Sensitivity Analysis. Sensitivity Analysis can be a rather complex model that incorporates a number of various factors to give you a precise output. This is simply a tool that will give you a clear indication of how an investment is going to perform and the effects on the Net Present Worth (NPW). Some of the key elements this tool will have an effect on are such as revenues, disposable value and operating cost.
Sensitivity Analysis does not stop there but can get very convoluted and it even addresses the purchase or sale of commercial real estate property with proper probability models utilizing external factors such as the market conditions. These models have been adapted by many of the powerhouses, yet not many small investors are aware of it.
As we see the wealth of many Americans diminish due to recession and negative changes in the economy, not only will this model position you to forecast your future worth but also it will flag any activities that need to be revisited, or even eliminated. A thorough Sensitivity Analysis will incorporate a number of factors and models and a simply simulation may take as long as 10 working days and can yield over 500 pages of data that needs to be addressed accordingly.
My Thoughts: Invest some time and money in learning about simply contemporary economics and have a professional firm evaluate your business before you make any considerable decisions.
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
As we are experiencing volatility in the global markets and the US Economy is constantly deteriorating we need to apply appropriate models and re-educate ourselves and our employees and have an elegant top notch management program.
One of the critical models that needs to be utilized by all businesses is Sensitivity Analysis. Sensitivity Analysis can be a rather complex model that incorporates a number of various factors to give you a precise output. This is simply a tool that will give you a clear indication of how an investment is going to perform and the effects on the Net Present Worth (NPW). Some of the key elements this tool will have an effect on are such as revenues, disposable value and operating cost.
Sensitivity Analysis does not stop there but can get very convoluted and it even addresses the purchase or sale of commercial real estate property with proper probability models utilizing external factors such as the market conditions. These models have been adapted by many of the powerhouses, yet not many small investors are aware of it.
As we see the wealth of many Americans diminish due to recession and negative changes in the economy, not only will this model position you to forecast your future worth but also it will flag any activities that need to be revisited, or even eliminated. A thorough Sensitivity Analysis will incorporate a number of factors and models and a simply simulation may take as long as 10 working days and can yield over 500 pages of data that needs to be addressed accordingly.
My Thoughts: Invest some time and money in learning about simply contemporary economics and have a professional firm evaluate your business before you make any considerable decisions.
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
Wednesday, September 9, 2009
Business 101: Be Liquid!
Waterbury Financial Strategies Inc CEO / Founder Rahim Thawer post this week “Business 101: Be Liquid!”
As the Global Marketplace experiences disruptiveness and turbulence, the entrepreneurs of tomorrow will have to revert back to the business basics and come up with new formulated models that will sustain their businesses. Over the years a number of business owners have taken the good times for granted and failed to develop a long term strategy for their business and did not incorporate the ‘bad economical times’ in their thinking.
One of the key concepts that need to be addressed very effectively in everyday dealings is that of being liquid. Majority of the banks are not lending and have restricted to only a certain arena, this creates a challenge for small business owners since they gamble on these financial institutions for products such as working capital loan, lines of credits to even short term loans. Most of these businesses are not liquid enough to sustain a long term financial turmoil and that is one of the reasons we are seeing a hike in the bankruptcy filings amongst the small businesses.
In order for us to come out strong out of this recession, we will need to restructure our business, and first and foremost, our mindset. We will need to address every line item on our financials from top to the bottom and conqueror it. These business owners have worked very hard to get to the point where they are today, perhaps even 3-4 generations worth of work. So, the key element is to be liquid and treat every expense or liability to the businesses as a self sustaining entity. Take your accounts receivables, if you simply shorten the number of days of outstanding, this will take care of the cash flow without much work. All the new terms need to be re-evaluated and perhaps even new guidelines and terms need to be prepared.
As Charles Darwin coined “survival of the fittest”. Well, this applies to the current economic cycle we are seeing on the global scale. Perhaps not so severe in other countries but we will need to not only survive but emerge with our head up high and capitalize and position our entities so that they are in a position of financial gains and not loss. As a businessman you have come a long way and I respect that and all the hard work you have put in, but don’t stand alone. You will need to bring in professionals who can assist you to overcome your short term challenges and to re-strategize and help you move forward with more ammunition. The current economic cycle we are in right now, cannot be looked at as times of bad economy, rather times of plenty of opportunities. This is the very time to be profitable and grow. So be pragmatic and prudent in your dealings and get ready to grow your business like never before!
My Thoughts: You are 99% there, what is another 1%!
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
As the Global Marketplace experiences disruptiveness and turbulence, the entrepreneurs of tomorrow will have to revert back to the business basics and come up with new formulated models that will sustain their businesses. Over the years a number of business owners have taken the good times for granted and failed to develop a long term strategy for their business and did not incorporate the ‘bad economical times’ in their thinking.
One of the key concepts that need to be addressed very effectively in everyday dealings is that of being liquid. Majority of the banks are not lending and have restricted to only a certain arena, this creates a challenge for small business owners since they gamble on these financial institutions for products such as working capital loan, lines of credits to even short term loans. Most of these businesses are not liquid enough to sustain a long term financial turmoil and that is one of the reasons we are seeing a hike in the bankruptcy filings amongst the small businesses.
In order for us to come out strong out of this recession, we will need to restructure our business, and first and foremost, our mindset. We will need to address every line item on our financials from top to the bottom and conqueror it. These business owners have worked very hard to get to the point where they are today, perhaps even 3-4 generations worth of work. So, the key element is to be liquid and treat every expense or liability to the businesses as a self sustaining entity. Take your accounts receivables, if you simply shorten the number of days of outstanding, this will take care of the cash flow without much work. All the new terms need to be re-evaluated and perhaps even new guidelines and terms need to be prepared.
As Charles Darwin coined “survival of the fittest”. Well, this applies to the current economic cycle we are seeing on the global scale. Perhaps not so severe in other countries but we will need to not only survive but emerge with our head up high and capitalize and position our entities so that they are in a position of financial gains and not loss. As a businessman you have come a long way and I respect that and all the hard work you have put in, but don’t stand alone. You will need to bring in professionals who can assist you to overcome your short term challenges and to re-strategize and help you move forward with more ammunition. The current economic cycle we are in right now, cannot be looked at as times of bad economy, rather times of plenty of opportunities. This is the very time to be profitable and grow. So be pragmatic and prudent in your dealings and get ready to grow your business like never before!
My Thoughts: You are 99% there, what is another 1%!
Rahim Thawer /
CEO of Waterbury Financial Strategies Inc
http://www.waterburyfs.com
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