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<title>Turning Chemical Surplus into Strategic Advantage</title>
<link>https://businessbymoney.com/turning-chemical-surplus-into-strategic-advantage/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Fri, 25 Jul 2025 14:52:50 +0000</pubDate>
<category><![CDATA[Business]]></category>
<category><![CDATA[Technology]]></category>
<category><![CDATA[Turning Chemical Surplus]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2327</guid>
<description><![CDATA[Surplus Chemicals offers a compelling pathway for companies to turn excess or near-expiry chemical stocks into profitable, eco-friendly opportunities while streamlining operations. Unlocking Hidden Value Many manufacturers suddenly find themselves holding surplus specialty chemicals, ranging from solvents and resins to pigments, adhesives, and pharmaceutical-grade agents, due to production shifts, off‑spec batches, or over-ordering. Left unchecked, [...]
The post <a href="https://businessbymoney.com/turning-chemical-surplus-into-strategic-advantage/">Turning Chemical Surplus into Strategic Advantage</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
<a href="https://surplus-inter.com/">Surplus Chemicals</a> offers a compelling pathway for companies to turn excess or near-expiry chemical stocks into profitable, eco-friendly opportunities while streamlining operations.
<h3 class="wp-block-heading">Unlocking Hidden Value</h3>
Many manufacturers suddenly find themselves holding surplus specialty chemicals, ranging from solvents and resins to pigments, adhesives, and pharmaceutical-grade agents, due to production shifts, off‑spec batches, or over-ordering. Left unchecked, such stock can tie up warehouse space, rack up disposal costs, and pose environmental and regulatory risks. Yet these materials still hold intrinsic value. By tapping into a specialised surplus marketplace, companies can transform idle inventory into working capital.
<h3 class="wp-block-heading">The Surplus Chemicals Advantage</h3>
Surplus Chemicals specializes in collecting and repurposing surplus chemical inventory, encompassing out-of-date, off-spec, or underutilized batches, and matching these with suitable buyers. Through this process, sellers not only recover costs and free up valuable storage, but they also sidestep hefty waste-handling and disposal fees. Buyers, in turn, gain access to high-quality products at reduced prices,  a dual win that boosts both financial performance and sustainability.
<h3 class="wp-block-heading">Cost Savings and Efficiency</h3>
Selling <a href="https://www.huffpost.com/entry/sources-forever-chemicals_l_651da571e4b0d2f61f603e9e" target="_blank" rel="noreferrer noopener nofollow">surplus inventory</a> enables manufacturers to reclaim financial value previously locked in excess stock. Likewise, buyers can significantly reduce raw material costs by sourcing high-grade chemicals through surplus channels. For example, surplus sodium percarbonate or silicon dioxide offer stable performance for cleaning and solvent applications, at a fraction of the usual procurement cost.
Beyond pricing benefits, firms eliminate the need to maintain suboptimal stock and can prevent quality degradation over time, a common risk with long-term storage.
<h3 class="wp-block-heading">Sustainability and Corporate Responsibility</h3>
Redirecting surplus chemicals into productive reuse supports circular economy principles and reduces environmental impact. With chemical yield in typical processes often below 50%, recovery and reuse are critical for reducing waste, an area where industry still lags, with solvent recovery rates as low as 0.7% in the U.S. By partnering with Surplus Chemicals, companies can proudly showcase environmental stewardship, maintain regulatory compliance, and bolster green credentials.
<h3 class="wp-block-heading">Real-World Applications</h3>
<ul>
<li>Solvents: Commercial solvents, when redirected to the surplus market, offer buyers cost-effective access while freeing up warehouse space for sellers. </li>
<li>Specialty Polymers and Resins: Materials like polyethylene terephthalate (PET) and polyacrylamide see renewed value when traded through surplus channels. </li>
<li>Pharma and Fine Chemicals: High-value items such as sodium starch glycolate and Opadry Blue coatings gain new life via surplus trading. A pharmaceutical producer can convert excess coating into profit, while the buyer’s production costs fall, driving a positive environmental and economic ripple.</li>
</ul>
<h3 class="wp-block-heading">Process and Compliance</h3>
Surplus Chemicals offers end-to-end service: assessing usability, certifying quality, arranging logistics, and managing paperwork to meet standards like REACH, ISO, and GHS. This turnkey support ensures transactions are efficient, transparent, and compliant, reducing administrative burden on both sellers and buyers.
<h3 class="wp-block-heading">A Competitive Edge in a Tight Market</h3>
In industries where margins are razor-thin, repurposing surplus chemicals can offer a critical edge. Whether you’re managing costs, meeting ESG targets, or optimizing supply chains, this strategy supports long-term resilience. Companies that act now position themselves as forward-thinking, efficient, and environmentally responsible, qualities that resonate with today’s partners, investors, and customers alike.
<h3 class="wp-block-heading">Conclusion</h3>
By aligning financial objectives with sustainability goals, Surplus Chemicals facilitates a smarter, greener chemical economy. Companies can optimize assets, reduce liabilities, and strengthen their sustainability narrative, all while supporting regulatory compliance and operational efficiency. Leveraging excess stock to drive new value turns a cost center into a strategic asset, benefiting not just individual firms but the broader ecosystem as well.
Follow – <a href="https://businessbymoney.com" target="_blank" rel="noreferrer noopener">https://businessbymoney.com</a> for More Updates
The post <a href="https://businessbymoney.com/turning-chemical-surplus-into-strategic-advantage/">Turning Chemical Surplus into Strategic Advantage</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
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<item>
<title>Turning Waste into Opportunity with Chemical Recycling</title>
<link>https://businessbymoney.com/chemical-recycling/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Fri, 13 Jun 2025 15:00:31 +0000</pubDate>
<category><![CDATA[Business]]></category>
<category><![CDATA[Chemical Recycling]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2319</guid>
<description><![CDATA[With industries producing a growing amount of waste and surplus chemicals, the world is facing mounting environmental challenges. Traditional recycling methods and disposal strategies are often limited in how much material they can truly recover. Chemical recycling offers a promising alternative. one that breaks down plastics and other complex materials into their original chemical components [...]
The post <a href="https://businessbymoney.com/chemical-recycling/">Turning Waste into Opportunity with Chemical Recycling</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
With industries producing a growing amount of waste and <a href="https://surplus-inter.com/">surplus chemicals</a>, the world is facing mounting environmental challenges. Traditional recycling methods and disposal strategies are often limited in how much material they can truly recover. Chemical recycling offers a promising alternative. one that breaks down plastics and other complex materials into their original chemical components for reuse, potentially reducing the burden of waste, minimizing pollution, and creating new economic opportunities.
<h1 class="wp-block-heading">What Is Chemical Recycling?</h1>
Chemical recycling, also known as <a href="https://www.forbes.com/sites/jamiehailstone/2025/05/09/advanced-recycling-false-solution-to-plastic-crisis-study-finds/" target="_blank" rel="noreferrer noopener nofollow">advanced or molecular recycling</a>, goes beyond the mechanical process of melting and reshaping plastics. Instead, it uses chemical reactions such as pyrolysis, gasification, or solvolysis to convert waste materials back into their basic building blocks such as monomers, fuels, or feedstocks. These outputs can then be used to manufacture new products of the same quality as the original materials, which is a significant advantage over mechanical recycling, where materials degrade over time.
<h2 class="wp-block-heading">Environmental Advantages</h2>
The potential environmental benefits of chemical recycling are considerable. First, it can help divert plastic waste and surplus chemicals from landfills and incinerators, thereby reducing greenhouse gas emissions. Since chemical recycling breaks down materials into reusable molecules, it also allows for a circular economy in which waste becomes a resource rather than a pollutant.
Second, it can process a wider variety of materials than traditional recycling, including mixed plastics, contaminated packaging, and complex multilayer materials that are typically unrecyclable. This means less waste ends up in oceans or landscapes, improving the overall cleanliness and health of ecosystems.
Finally, using chemical recycling can reduce the need for virgin fossil resources. By converting waste into raw materials, industries can cut their reliance on crude oil, natural gas, and other non-renewables, ultimately shrinking their carbon footprint.
<h2 class="wp-block-heading">Creating a Circular Economy</h2>
One of the most transformative aspects of chemical recycling is its potential to support a <a href="https://www.huffpost.com/entry/circular-economy-cpg-waste_b_5ce470ade4b0547bd12e89dd">circular economy</a>. Instead of following a linear “make-use-dispose” model, chemical recycling enables a closed-loop system where products are continuously reprocessed and reused. This reduces the strain on natural resources and promotes sustainability at every stage of the product life cycle.
Chemical recycling can also stimulate innovation and economic growth. New businesses are emerging around this technology, developing proprietary methods and building advanced facilities that offer jobs and promote regional development. In turn, this investment supports further research and development in green technologies.
<h2 class="wp-block-heading">Challenges and Considerations</h2>
Despite its promise, chemical recycling is not without challenges. It requires significant energy input, and in some cases, the environmental costs of running these systems may outweigh the benefits if not managed properly. There are also regulatory and logistical hurdles, including sorting and collecting appropriate feedstock and ensuring end-products meet safety standards.
Additionally, chemical recycling should not replace efforts to reduce plastic use and improve product design. It is a complementary solution, not a silver bullet. To truly benefit the environment, chemical recycling must be integrated into a broader waste reduction and sustainability strategy.
<h2 class="wp-block-heading">Conclusion</h2>
Chemical recycling has the potential to transform how we deal with waste and surplus chemicals. By recovering valuable resources and reducing the ecological impact of discarded materials, it offers a pathway toward a cleaner, more sustainable future. As technology improves and adoption increases, chemical recycling could become a cornerstone of modern environmental stewardship.
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The post <a href="https://businessbymoney.com/chemical-recycling/">Turning Waste into Opportunity with Chemical Recycling</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
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<title>Serge Robichaud on Cash Stuffing: A Budgeting Method Making a Comeback in Canada</title>
<link>https://businessbymoney.com/serge-robichaud-on-cash-stuffing-comeback-in-canada/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Thu, 05 Jun 2025 11:49:23 +0000</pubDate>
<category><![CDATA[Business]]></category>
<category><![CDATA[Finance]]></category>
<category><![CDATA[Serge Robichaud]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2309</guid>
<description><![CDATA[As inflation continues to put pressure on household budgets, more Canadians are turning to a low-tech solution to take greater control over their finances: using cash. Once considered outdated in an increasingly digital economy, the use of physical currency, especially in personal budgeting, is making a comeback. A practice popularized on social media platforms like [...]
The post <a href="https://businessbymoney.com/serge-robichaud-on-cash-stuffing-comeback-in-canada/">Serge Robichaud on Cash Stuffing: A Budgeting Method Making a Comeback in Canada</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
As inflation continues to put pressure on household budgets, more Canadians are turning to a low-tech solution to take greater control over their finances: using cash.
<figure class="wp-block-image size-large"><img fetchpriority="high" decoding="async" width="683" height="1024" src="https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-683x1024.jpg" alt="Serge Robichaud" class="wp-image-2312" srcset="https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-683x1024.jpg 683w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-200x300.jpg 200w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-768x1152.jpg 768w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-1024x1536.jpg 1024w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-1365x2048.jpg 1365w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-150x225.jpg 150w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-450x675.jpg 450w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-1200x1800.jpg 1200w, https://businessbymoney.com/wp-content/uploads/2025/06/Serge-Robichaud-1-scaled.jpg 1707w" sizes="(max-width: 683px) 100vw, 683px" /><figcaption class="wp-element-caption">Serge Robichaud</figcaption></figure>
Once considered outdated in an increasingly digital economy, the use of physical currency, especially in personal budgeting, is making a comeback. A practice popularized on social media platforms like TikTok as “cash stuffing” involves dividing money into labelled envelopes for specific expenses such as groceries, gas, and entertainment. Though it may sound like a financial throwback, the approach has caught on with Canadians seeking concrete ways to handle their money.
<a href="https://www.netnewsledger.com/2024/11/29/new-brunswick-financial-planner-serge-robichaud-on-building-financial-resilience/" target="_blank" rel="noreferrer noopener nofollow">Serge Robichaud</a>, a New Brunswick financial advisor, says the interest in analog tools reflects a response to today’s financial pressures. “The digital age makes spending almost too easy. When you tap your card or click to buy an item, it creates a disconnect. Cash, by contrast, has weight, and it forces you to be intentional with your spending,” he says.
This resurgence of interest in the cash envelope system coincides with Canadian households being hit with financial stressors. A report by Statistics Canada reveals that the average household debt-to-income ratio reached 172.83 in the final quarter of 2024. That means for every dollar of disposable income, Canadians owed $1.72 in debt. Simultaneously, inflation, although easing from its 2022 peak, has kept the prices of essentials like groceries and housing elevated. With interest rates remaining high, disposable income is shrinking.
Though digital budgeting apps are still widely used, a 2024 Angus Reid survey reported that 34% of Canadians under the age of 35 expected their financial situation to worsen in 2025. Younger Canadians are also flocking toward the envelope budgeting system, a trend that may seem counterintuitive in the digital-first age.
<a href="https://ceomedium.com/our-interview-with-finance-professional-serge-robichaud/" target="_blank" rel="noreferrer noopener nofollow">Robichaud</a> believes this isn’t simply a trend for people who are chronically online.  “I’ve had 60-year-old and 20-year-old people asking about cash systems. It’s not an age thing. People are sick and tired of feeling their money is draining, and they want more control of their finances,” he says. 
In practice, people are only allowed to spend what they have in hand by the cash stuffing technique. When an envelope is empty, that category has no more money to spend until the next pay period. Critics say it restricts flexibility and fails to help with credit-building, while advocates say it helps cut through cycles of impulsive spending and obliviousness.
“It’s not an answer to every <a href="https://www.mscareergirl.com/an-interview-with-serge-robichaud-financial-planning-professional/" target="_blank" rel="noreferrer noopener">financial problem</a>, but for someone who is struggling with overspending, it can be a powerful first step. The discipline it offers is not easily transferable to an app,” says Robichaud.
The movement also reflects a deeper psychological change: the yearning to be financially stable. In a world of credit cards, buy-now-pay-later platforms, and mobile wallets, cash provides a kind of tactile reassurance. Yet while cash usage for day-to-day transactions has decreased overall, research conducted by the Bank of Canada suggests Canadians still carry an average of $140 in their wallets.
Financial educators have taken note. Community groups and financial literacy programs nationwide are reintroducing physical budgeting tools to their curricula, especially for newcomers and younger adults who are navigating their first independent budgets. 
“Cash is not something that has anything to do with being bad at money, it has to do with being honest with yourself. There’s no buffer. You watch the cash come out of your hand. That acknowledgment can be a first step to healthier habits,” says Robichaud.
That said, envelope budgeting isn’t suitable for everyone. It’s cumbersome in a society where online subscriptions and digital payments are unavoidable. Some experts suggest that you adopt a hybrid approach: Use cash only for discretionary spending and continue to automate your fixed expenses through traditional banking.
If Canadians want to give the method a try, Robichaud says small steps are best. He advises choosing one or two categories where you’re likely to overspend and designating an envelope for each.
As tools for personal finance become more intricate, the rise of analog solutions like envelope budgeting serves as a reminder that, on occasion, the oldest methods can be some of the most effective. In a culture where spending is frictionless, introducing a little friction might be exactly what Canadians need.
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The post <a href="https://businessbymoney.com/serge-robichaud-on-cash-stuffing-comeback-in-canada/">Serge Robichaud on Cash Stuffing: A Budgeting Method Making a Comeback in Canada</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
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<title>Insurance Industry Pro Lucy Lukic Explains the Power of a Personal Connection with Your Advisor</title>
<link>https://businessbymoney.com/lukic-explains-the-power-of-a-personal-connection-with-your-advisor/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Tue, 01 Apr 2025 14:24:35 +0000</pubDate>
<category><![CDATA[Insurance]]></category>
<category><![CDATA[Insurance Industry]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2302</guid>
<description><![CDATA[Hamilton, Ontario’s Lucy Lukic is an Insurance Advisor who has cultivated a reputation within her industry for providing personalized insurance solutions to her clients. With a résumé that features high-ranking posts at top firms like Burgeonvest Bick Securities, CIBC, and Hub Financial, Lucy now offers her expertise alongside iA Private Wealth Insurance as an Insurance [...]
The post <a href="https://businessbymoney.com/lukic-explains-the-power-of-a-personal-connection-with-your-advisor/">Insurance Industry Pro Lucy Lukic Explains the Power of a Personal Connection with Your Advisor</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
Hamilton, Ontario’s <a href="https://www.linkedin.com/search/results/people/?firstName=Lucy&lastName=Lukic&origin=SEO_PSERP&sid=w%40H" rel="nofollow">Lucy Lukic</a> is an Insurance Advisor who has cultivated a reputation within her industry for providing personalized insurance solutions to her clients. With a résumé that features high-ranking posts at top firms like Burgeonvest Bick Securities, CIBC, and Hub Financial, Lucy now offers her expertise alongside iA Private Wealth Insurance as an <a href="https://lucy.thelinkbetween.ca/?_gl=1*89l5kz*_ga*ODEyMjIxODAyLjE3Mzg3NzE5MTU.*_ga_KMZZVTL2B4*MTczODc3NjA0MC4yLjEuMTczODc3NjA0Ny4wLjAuMA..">Insurance Advisor</a>. But what truly sets her apart from many others in her field is her customized approach: Lucy takes the time and effort to get to know her clients—to understand their family situation, their histories, and their long-term goals—before recommending thoughtful insurance solutions.
<div class="wp-block-image">
<figure class="aligncenter size-full"><img decoding="async" width="550" height="640" src="https://businessbymoney.com/wp-content/uploads/2025/04/Personal-Connection-with-Your-Advisor.jpg" alt="Personal Connection with Your Advisor" class="wp-image-2303" srcset="https://businessbymoney.com/wp-content/uploads/2025/04/Personal-Connection-with-Your-Advisor.jpg 550w, https://businessbymoney.com/wp-content/uploads/2025/04/Personal-Connection-with-Your-Advisor-258x300.jpg 258w, https://businessbymoney.com/wp-content/uploads/2025/04/Personal-Connection-with-Your-Advisor-150x175.jpg 150w, https://businessbymoney.com/wp-content/uploads/2025/04/Personal-Connection-with-Your-Advisor-450x524.jpg 450w" sizes="(max-width: 550px) 100vw, 550px" /></figure></div>
As Canada’s insurance sector evolves with the times, <a href="https://www.f6s.com/lucy-lukic" rel="nofollow">Lucy Lukic</a> and her professional philosophy act as a mitigating force against the impersonal aspects that rapid change can sometimes bring with it. We were fortunate enough to sit down with her for a discussion about how understanding a client’s unique background shapes her outlook, and why personalized insurance matters now more than ever.
<h2 class="wp-block-heading">Q: What would you say is the most important aspect of offering genuinely personalized insurance policies, as opposed to a more ‘off-the-rack’ mentality?</h2>
Lucy Lukic: A one-size-fits-all approach just doesn’t cut it when it comes to something as important as protecting your future. Every person is different— different personalities, different families, different careers, different goals. It’s my firm belief that an insurance advisor has to take the time to get to know clients on a human level and truly understand them and their families. Only then will the advisor know what options will actually best serve them. Once that part is done, making policy recommendations is infinitely easier. Actually, in many cases, if you’re armed with the right knowledge, the recommendations almost reveal themselves.
<h2 class="wp-block-heading">Q: You mention taking the time to truly understand your clients’ families, histories, and long-term goals. Can you walk us through that process?</h2>
Lucy Lukic: Absolutely. It really starts with listening—and I mean really listening. Not just nodding along as they tell you about themselves. Before I talk about policies or premiums, I want to hear about a client’s life. What do they worry about? What do they dream about? Are they planning for a big change, like funding a wedding, starting a family, or buying a home? These conversations work to build trust, and from there, I can start customizing recommendations that make sense for their unique situation. It’s never just about numbers on a page.
<h2 class="wp-block-heading">Q: How does knowing a client’s background and values influence the insurance options you recommend?</h2>
Lucy Lukic: It makes all the difference in the world. A policy isn’t just a contract—it’s a safety net, a promise of security. If I understand a client’s priorities thoroughly, I’m much better equipped to guide them toward coverage that genuinely fits their life. Some people value flexibility, while others need absolute certainty. Some might be focused on protecting their children’s future, while others are thinking about their own retirement. Without knowing their back story, I’d just be throwing out generic options. That’s not how I do things.
<h2 class="wp-block-heading">Q: Why do you think the personal connection between an insurance advisor and their client is so important, especially in the hyper-digitized world of today?</h2>
<a href="https://www.f6s.com/member/lucy-lukic" rel="nofollow">Lucy Lukic</a>: Insurance coverage is an intensely personal thing. It’s about safeguarding the things and people that matter most. In an age where so much is automated, people crave real human connection—someone who sees them as more than just another account number or piece of data. From the client’s point of view, when you have a real, human relationship with an advisor, the whole process feels much less intimidating. All of my clients know they can pick up the phone, ask me anything, and get an honest, thoughtful answer. That’s not something an algorithm or a website chatbot can provide.
<h2 class="wp-block-heading">Q: Finally, what advice would you impart to a young adult or a novice who isn’t too sure how to proceed in the insurance market?</h2>
Lucy Lukic: To be sure, there’s an overwhelming amount of choice out there for new insurance-seekers—more choice than there’s ever been before, in fact. That’s why it’s so important to work with someone you trust, someone who can cut through the noise and help you make sense of it all. Don’t be afraid to ask questions—no question is too small. Also, it never hurts to do some research on your own, as that can really help you to ask more informed questions. Always remember this is your family’s future that we’re dealing with. And in that spirit, don’t just look at the price of a given policy; think about its true value. A cheap policy that doesn’t cover what you need isn’t a bargain, it’s more a waste of your money than anything else. So, take your time, get informed, and make choices that set you up for long-term security.
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The post <a href="https://businessbymoney.com/lukic-explains-the-power-of-a-personal-connection-with-your-advisor/">Insurance Industry Pro Lucy Lukic Explains the Power of a Personal Connection with Your Advisor</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
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<title>Interview with Andrew Rasheed, Director of Human Resources at Manning Elliott</title>
<link>https://businessbymoney.com/interview-with-andrew-rasheed/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Thu, 13 Feb 2025 17:16:51 +0000</pubDate>
<category><![CDATA[Lifestyle]]></category>
<category><![CDATA[Andrew Rasheed]]></category>
<category><![CDATA[Interview with Andrew Rasheed]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2288</guid>
<description><![CDATA[Andrew Rasheed is the Director of Human Resources and Operations at Manning Elliott LLP, a leading accounting firm in Vancouver, British Columbia. His career has brought important changes to his firm, positioning it as a leading employer in the accounting industry. Andrew’s commitment to employee growth, innovative policies, and building a lively company culture continue [...]
The post <a href="https://businessbymoney.com/interview-with-andrew-rasheed/">Interview with Andrew Rasheed, Director of Human Resources at Manning Elliott</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
<a href="https://about.me/andrewrasheed" rel="nofollow">Andrew Rasheed </a>is the Director of <a href="https://exeleonmagazine.com/andrew-rasheed-on-the-evolution-of-human-resources/">Human Resources</a> and Operations at Manning Elliott LLP, a leading accounting firm in Vancouver, British Columbia. His career has brought important changes to his firm, positioning it as a leading employer in the accounting industry. Andrew’s commitment to employee growth, innovative policies, and building a lively company culture continue to inspire success within his team.
<div class="wp-block-image">
<figure class="aligncenter size-full"><img decoding="async" width="600" height="400" src="https://businessbymoney.com/wp-content/uploads/2025/02/Andrew-Rasheed.jpg" alt="" class="wp-image-2297" srcset="https://businessbymoney.com/wp-content/uploads/2025/02/Andrew-Rasheed.jpg 600w, https://businessbymoney.com/wp-content/uploads/2025/02/Andrew-Rasheed-300x200.jpg 300w, https://businessbymoney.com/wp-content/uploads/2025/02/Andrew-Rasheed-150x100.jpg 150w, https://businessbymoney.com/wp-content/uploads/2025/02/Andrew-Rasheed-450x300.jpg 450w" sizes="(max-width: 600px) 100vw, 600px" /></figure></div>
<h2 class="wp-block-heading">Q: Tell us about your journey into human resources. How did it lead you to your current role at Manning Elliott?</h2>
ANDREW RASHEED: My career in human resources was driven by a strong interest in how organizations can work best, along with a passion for people. I began with roles centered on finding and developing talent, which gave me helpful knowledge about the HR world. When I joined Manning Elliott, as Director of Human Resources, my goal was to create an innovative and supportive culture. I’ve been lucky to help shape programs that improve employee satisfaction and add to the company’s overall achievements.
<h2 class="wp-block-heading">Q: What new HR programs have you implemented to attract and retain top talent at Manning Elliott? </h2>
ANDREW RASHEED: Bringing in and retaining talent requires a combination of many approaches. One of the most powerful steps has been our diversity and inclusion programs, which help all employees feel important and respected. We’ve also focused on professional growth by offering strong opportunities for continued learning and mentoring. Flexible work setups, like remote work options and adaptable schedules, have supported our employees’ individual needs. Additionally, our investment in the latest office and communication technology has helped staff reach their full potential. These efforts have improved our workplace atmosphere and strengthened Manning Elliott’s reputation as a preferred employer.
<h2 class="wp-block-heading">Q: How do you promote a positive work-life balance within the company?</h2>
ANDREW RASHEED: Work-life balance is key to our employee engagement strategy. We know that a happy and healthy employee is more productive, so we’ve put policies in place that put personal well-being alongside career growth. Flexible schedules and remote work options let our team handle personal and family duties without hurting their professional roles. Besides these policies, we aim to build a culture where employees feel comfortable taking time for themselves, knowing they have full support from the company. This approach has lifted employee spirits and led to a more energetic and dedicated team.
<h2 class="wp-block-heading">Q: How has your leadership changed Manning Elliott’s <a href="https://www.superbcrew.com/andrew-rasheed-how-hr-is-redefining-the-corporate-work-environment/">corporate culture</a>?</h2>
ANDREW RASHEED: When I joined Manning Elliott, the mission was clear: to turn our HR department into a key player for drawing in and retaining top-tier talent. Over the years, we’ve brought actions focusing on inclusivity, professional growth, and employee well-being. These steps have built a culture where employees feel recognized and driven. For example, our mentoring programs and community engagement opportunities have created a sense of belonging and purpose within the team. As a result, Manning Elliott has developed into a company where people work, grow, and find happiness.
<h2 class="wp-block-heading">Q: What advice do you have for other HR professionals looking to create a lively and engaging workplace? </h2>
ANDREW RASHEED: Start by listening to your employees. Understanding their needs, challenges, and dreams is key to creating policies that matter. Focus on building a culture that values inclusivity, professional growth, and work-life balance. Offer opportunities for growth and push collaboration at all levels. Keep in mind that your employees are your greatest asset. By creating an environment where they feel supported, valued, and empowered, you’ll improve their overall work experience and drive your organization’s success.
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<title>Gold’s Resurgence in the 2020s: Alexander Spellane of Fisher Capital Group Breaks Down What’s Behind the Modern Global Gold Rush</title>
<link>https://businessbymoney.com/alexander-spellane-of-fisher-capital-group/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Mon, 23 Dec 2024 16:55:59 +0000</pubDate>
<category><![CDATA[Business]]></category>
<category><![CDATA[Fisher Capital Group]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2267</guid>
<description><![CDATA[There is an old saying originating from ancient China that at face value sounds like a wish of good tidings, but is actually meant to be something more like a curse: “May you live in interesting times.” It is meant to convey the difficulties and struggles that come with living through inflection points in history. [...]
The post <a href="https://businessbymoney.com/alexander-spellane-of-fisher-capital-group/">Gold’s Resurgence in the 2020s: Alexander Spellane of Fisher Capital Group Breaks Down What’s Behind the Modern Global Gold Rush</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
There is an old saying originating from ancient China that at face value sounds like a wish of good tidings, but is actually meant to be something more like a curse: “May you live in interesting times.” It is meant to convey the difficulties and struggles that come with living through inflection points in history.
<div class="wp-block-image">
<figure class="aligncenter size-large"><img loading="lazy" decoding="async" width="683" height="1024" src="https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-683x1024.jpg" alt="" class="wp-image-2284" srcset="https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-683x1024.jpg 683w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-200x300.jpg 200w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-768x1152.jpg 768w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-1024x1536.jpg 1024w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-1365x2048.jpg 1365w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-150x225.jpg 150w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-450x675.jpg 450w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-1200x1800.jpg 1200w, https://businessbymoney.com/wp-content/uploads/2024/12/Fisher-Capital-Group-8-scaled.jpg 1707w" sizes="(max-width: 683px) 100vw, 683px" /></figure></div>
As decades go, so far the 2020s have certainly been interesting. Seemingly from the get-go, we as global citizens have been subjected to a series of far-reaching crises and destabilizing geopolitical events, from the early months of 2020 when the COVID-19 pandemic and resulting government shutdowns upended the lives of billions to the unanticipated ground war in Eastern Europe that has lasted from 2022 until the present day. Honestly, because of the air of total unpredictability, the past four years have not been a great time to be an economist or a market speculator.
On the other hand, it’s been a really good time to be in the gold business. In fact, in defiance of—or perhaps because of—these calamitous global events, gold has experienced a massive renewal in investment. Since January 1, 2020, the price of gold has increased a whopping 32.5%, or put another way, its value has shot up by nearly one-third in the span of four short years. 
So, what are the reasons for this precipitous incline? According to <a href="https://x.com/alexspellane?lang=en" target="_blank" rel="noreferrer noopener nofollow">Alexander Spellane</a>, the founder and CEO of <a href="https://www.fishercapitalgroup.com/">Fisher Capital Group</a>, one of the premier precious metals investment firms in the Western United States, the fortunes of gold have always been tied to global stability (or the lack thereof) and our current era is no different. “The rapid increase in the price of gold over the past few years can be attributed to several factors,” says Spellane. “But among these, three global developments stand out: market concerns over the US debt ceiling, volatility in India, and record levels of gold purchased by many of the world’s foremost central banks.”
<h2 class="wp-block-heading">Market Concerns Over the US Debt Ceiling </h2>
To be fair, this trend started significantly before the 2020s dawned. Going back to 2011 and 2013, showdowns between Democrats and Republicans have resulted in uncertainty over whether the US Government would raise the amount it allowed itself to borrow in order to fund its own operations. 
“Before the Obama Administration, this was never a major concern. It used to be a rubber stamp issue,” notes Alexander Spellane. Since then, using the congressional vote to raise the federal debt ceiling has become normalized, and there is another round of brinksmanship on the horizon in the coming months. “The markets don’t like this level of uncertainty, particularly regarding the largest economy on Earth,” says Spellane. “When investors sense it in the air, they run to gold, driving the price up.”
<h2 class="wp-block-heading">India’s Gold Market Volatility</h2>
Over the past few years, India’s gold market has been one of the most volatile in the world. As the most populous nation on Earth (recently having overtaken China) and a substantial overall economy, its fluctuations have had significant effects on global gold prices. “India has traditionally been the largest consumer of gold on the planet, but changes to their import tariffs and other new restrictions have added a great deal of uncertainty to that market,” remarks <a href="https://www.linkedin.com/in/alexander-spellane-a9342b26b/" target="_blank" rel="noreferrer noopener nofollow">Alexander Spellane</a>. In particular, the government’s decision to raise import duties to curb the country’s growing trade deficit has led to record inflation. “This kind of volatility in India creates a perfect storm for rising gold prices,” Spellane explains. “When uncertainty increases, whether due to rising import duties or fluctuating local prices, investors flock to gold as a hedge against inflation and market instability, pushing prices higher globally.
<h2 class="wp-block-heading">Record Levels of Central Bank Gold Purchases</h2>
Finally, and perhaps most consequentially, since 2020, central banks around the world have been ramping up their gold reserves at record levels, a trend that has actively fueled the rise in <a href="https://businessbymoney.com/precious-metal-investments-with-fisher-capital-group/">gold prices</a>. Countries like China, Russia, and Turkey have led the charge, purchasing substantial amounts of gold as part of their long-term strategy to diversify away from the US dollar. “The rise in central bank gold purchases is a clear signal that global instability, exemplified by the conflicts in Ukraine and Palestine, is leading countries to hedge their currency risks,” says Alexander Spellane. “Central banks traditionally rely on gold as a reserve asset, and with geopolitical and financial uncertainties mounting, they have been loading up on gold in unprecedented quantities. We’ve been noticing this trend over at <a href="https://www.f6s.com/company/fisher-capital-group" target="_blank" rel="noreferrer noopener nofollow">Fisher Capital Group</a> for at least three years now, but it really ramped up with Russia’s invasion of Ukraine in 2022.” This recent major surge in institutional demand has placed upward pressure on the price of gold, as these large purchasers steadily reduce the supply in the market.
By the standards of the modern era, the first 1,400 or so days of the present decade have been turbulent. Just like the ancient Chinese curse warns, we are indeed living through “interesting times.” At this point, even attempting to predict the future seems like a fool’s errand—that is, in every respect but one: as the turbulence continues and the times grow more interesting, the price of gold should continue its meteoric rise.
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The post <a href="https://businessbymoney.com/alexander-spellane-of-fisher-capital-group/">Gold’s Resurgence in the 2020s: Alexander Spellane of Fisher Capital Group Breaks Down What’s Behind the Modern Global Gold Rush</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
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<title>Demystifying Precious Metal Investments with Commentary from the Pros at Fisher Capital Group</title>
<link>https://businessbymoney.com/precious-metal-investments-with-fisher-capital-group/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Tue, 17 Dec 2024 17:43:19 +0000</pubDate>
<category><![CDATA[Business]]></category>
<category><![CDATA[Precious Metal Investments]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2260</guid>
<description><![CDATA[Gold is one of those things that everyone knows at least a little something about. It’s a precious metal. It’s a naturally occurring mineral. In the past, it was the currency of choice for the world economy. It’s still traded on exchanges across the globe to this day as an asset. And above all else, [...]
The post <a href="https://businessbymoney.com/precious-metal-investments-with-fisher-capital-group/">Demystifying Precious Metal Investments with Commentary from the Pros at Fisher Capital Group</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
Gold is one of those things that everyone knows at least a little something about. It’s a precious metal. It’s a naturally occurring mineral. In the past, it was the currency of choice for the world economy. It’s still traded on exchanges across the globe to this day as an asset. And above all else, it is valuable. 
But when it comes to investing in gold and other precious metals, many people might feel a bit lost. What’s the real value of these metals today? Why should you consider adding them to your investment portfolio? How do you go about doing that, and from a larger perspective, what is the actual process at play behind the scenes?
In an era of increasing economic volatility, many ordinary investors are now considering adding gold to their portfolios as a hedge against inflation and market downturns. But when contrasted with trading stocks and bonds, the average person’s knowledge of the gold markets can be a little lacking. It’s nobody’s fault; gold trading just isn’t as well-covered by the media as other types of trading. But still, that remains the unfortunate reality.
With that thought in mind, I had an idea that an easy-to-digest, practical guide to investing in gold and other precious metals with accompanying commentary from an experienced source might be just what some people need to gain the knowledge they desire and the confidence they need to take the plunge and make an investment. Luckily, that’s just what I’ve put together, and the experienced source providing commentary is none other than <a href="https://www.gq.co.za/wealth/fisher-capitals-dress-code-of-success-inside-ceo-alexander-spellanes-professional-philosophy-ceb91492-8091-4596-92a5-704227520157">Alexander Spellane</a>, the founder and CEO of <a href="https://www.fishercapitalgroup.com/">Fisher Capital Group</a>, an investment firm that <a href="https://forbesmorocco.com/2024/02/06/the-midas-touch-how-alexander-spellane-is-revolutionizing-the-gold-investment-landscape/" target="_blank" rel="noreferrer noopener nofollow">Forbes</a> has ranked among “America’s Fastest Growing Precious Metals Companies.”
<h2 class="wp-block-heading">Understanding Precious Metals</h2>
To start with, it’s essential to understand what precious metals are. Gold, silver, platinum, and palladium are the most common types of precious metals that investors consider. Each metal has its unique characteristics and market dynamics, which can influence its value. For example, gold is malleable and still generally viewed as a viable alternative to fiat currencies, while silver is a crucial component used in a host of modern-day industrial processes, particularly in the manufacturing of green tech. These and many other factors help determine their value.
<h3 class="wp-block-heading">Reasons to Invest in Precious Metals</h3>
Precious metals, particularly gold, have been historically viewed as a safe place to invest money during periods of high inflation and economic uncertainty. Alexander Spellane notes, “When inflation rises, the value of paper currency can diminish, but gold often retains its purchasing power. In fact, throughout history, gold has proven time and again to be a reliable store of value, often appreciating when the economy tumbles. Unlike currencies that can be printed at will, gold is a finite resource, and its intrinsic value tends to hold steady no matter what’s happening in society.”
That means that adding precious metals to your investment portfolio can help mitigate risk. This is partly because they often behave differently on the markets than stocks and bonds, and serve as an effective buffer against volatility on the other securities exchanges. “A well-balanced portfolio can help ensure steady performance, regardless of economic conditions,” advises Spellane. “And in my opinion, it’s difficult to have a well-balanced portfolio without some holdings in gold or other precious metals.”
<h3 class="wp-block-heading">How to Invest in Precious Metals</h3>
First, it’s always possible to invest in stocks of companies that mine precious metals. These stocks can offer a significant upside in terms of returns, but they also carry additional risks associated with operating in the <a href="https://businessbymoney.com/potash-mining-industry/">mining industry</a>. If you do consider going down this route, it’s not quite as simple a prospect as you might think—there are factors like mine shaft collapses, company bankruptcies, and geopolitical instability to consider.
Another possibility is to purchase exchange-traded funds (ETFs) or mutual funds focused on precious metals. These funds invest in physical metals or mining companies and offer liquidity available to the general population that are similar to stocks.  This option comes with management fees (usually less than 2%).
It’s important to note that neither one of these options are guaranteed to perform the same as physical gold and in actuality have not always done so in the past.
The best and most straightforward way to invest is to buy physical gold or silver. This can be done by purchasing coins, bars, or bullion. When purchasing physical metals, it’s crucial to consider storage and extra insurance costs.
<h3 class="wp-block-heading">The Buying Process</h3>
If you decide to invest in physical precious metals, the process generally involves selecting a reputable dealer, determining the type and quantity of metal you wish to purchase, and finalizing the transaction. Alexander Spellane emphasizes the importance of researching dealers and understanding market prices. “Transparency and reputation are key. Always ask for documentation and ensure you’re getting a fair price based on current market rates. That is my number one piece of advice for any novice or would-be investor in physical precious metals.”
Purchasing an interest in precious metals through ETFs or mutual funds is done through a brokerage account in much the same way ordinary stocks or bonds are bought. Once your account is set up, you can have your broker seek out funds that focus on precious metals (or do it yourself, if that’s more your speed). Look for ETFs that hold physical gold or silver bullion, or mutual funds that invest in a diversified portfolio of mining companies. Spellane notes, “Investing in ETFs can simplify your experience and give you exposure to precious metals without the hassles of physical ownership. Just make sure to choose funds with solid management and low fees.”
Investing in mining companies involves buying stocks of firms that explore, extract, and produce precious metals. To get started, research reputable mining companies and analyze their financial health, operational efficiencies, and market position. You can find mining stocks through your brokerage account just like any other publicly traded company. It’s always wise to consider the company’s geographical location and the regulatory environment, as these factors can sometimes have a real impact on its performance. Spellane advises, “Before investing in mining stocks, familiarize yourself with the industry landscape and the specific challenges each company faces–you can never do too little research when it comes to mining companies or even a specific mining site. The best choice is a well-informed choice.”
<h4 class="wp-block-heading">Conclusion</h4>
So, there you have it; without getting too much further into the weeds on the technical and logistical aspects involved, those are the ABCs and 123s of trading gold and other precious metals. If you’re still feeling a bit uncertain about the idea, try keeping this thought in mind: Investing in precious metals can feel like a plunge into the unknown, but with the right guidance and information, it can be a rewarding journey. Don’t let uncertainty hold you back from exploring the potential of gold and silver.
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<title>Global Investment Trends in the Potash Mining Industry</title>
<link>https://businessbymoney.com/potash-mining-industry/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Fri, 15 Nov 2024 17:05:13 +0000</pubDate>
<category><![CDATA[Business]]></category>
<category><![CDATA[Potash Mining Industry]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2254</guid>
<description><![CDATA[The potash mining industry has increasingly become a focal point for investors around the world. As agricultural demands rise and resource scarcity becomes more pronounced, potash—a component in fertilizers—has become a high-value investment opportunity. Let’s explore some of the current global investment trends in the potash sector, highlighting key projects and emerging markets. The Growing [...]
The post <a href="https://businessbymoney.com/potash-mining-industry/">Global Investment Trends in the Potash Mining Industry</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
The potash mining industry has increasingly become a focal point for investors around the world. As agricultural demands rise and resource scarcity becomes more pronounced, potash—a component in fertilizers—has become a high-value investment opportunity. Let’s explore some of the current global investment trends in the potash sector, highlighting key projects and emerging markets.
<h3 class="wp-block-heading">The Growing Demand for Potash</h3>
Potash, a vital ingredient in fertilizers, plays an essential role in global agriculture. It contributes to improved crop yields and enhances soil fertility, which is crucial as the world’s population continues to grow and demand for food increases. This growing demand has driven substantial investment into potash mining projects worldwide, with a particular focus on regions rich in potash deposits.
North America remains a significant player in the potash industry, with major mining operations located in Canada and the United States. The Canadian province of Saskatchewan is renowned for its extensive potash reserves and has attracted significant investment due to its established infrastructure and favorable mining conditions.
South America is emerging as a promising region for potash investments. Brazil, in particular, is gaining attention due to its large agricultural sector and growing need for local potash production. The recent development of the Autazes Potash Project in Brazil is a prime example of how investments are shaping the future of potash mining in the region. This project from <a href="https://www.forbesmanhattan.com/portfolio/brazil-potash-corp/">Brazil Potash </a>is set to produce 2.4 million tonnes of potash per year, potentially supplying up to 20% of Brazil’s annual consumption.
Africa is also seeing increased investment in potash mining, driven by the continent’s untapped resources and potential for future growth. Countries like Ethiopia and Uganda are emerging as key players in the potash sector, with several major projects underway aimed at leveraging the continent’s rich mineral deposits.
<h3 class="wp-block-heading">Investment Considerations</h3>
Investing in potash mining requires careful consideration of various factors. The global demand for potash is influenced by agricultural trends and food security needs. Investors must stay informed about market conditions and projections to make sound investment decisions.
Different countries have varying regulatory frameworks governing mining operations. For example, recent developments in Brazil have seen both progress and challenges related to the <a href="https://www.reuters.com/world/americas/brazil-court-overrules-judges-suspension-potash-mine-amazon-2023-10-18/" target="_blank" rel="noreferrer noopener nofollow">Autazes Potash Project</a>. Efficient transportation and logistics are critical for potash mining projects. Investments often hinge on the ability to transport potash from mining sites to markets. Innovations in mining technology and processing methods are shaping the future of the potash
There is also a growing emphasis on sustainability within the potash industry. Companies are increasingly adopting practices that minimize environmental impact and promote responsible resource management. On top of all of this, collaborative ventures between mining companies and agricultural firms are becoming more common. These partnerships can provide mutual benefits and enhance the value proposition of potash investments.
<h3 class="wp-block-heading">A Step Forward for the Entire Industry</h3>
The potash mining industry offers a range of investment opportunities, driven by the essential role of potash in <a href="https://businessbymoney.com/exploring-the-livestock-industry/">agriculture</a> and the growing global demand for fertilizers. From established markets in North America to emerging opportunities in South America and Africa, investors have a lot of options to consider. As the industry evolves, staying informed about market trends, regulatory developments, and technological advancements will be key to making informed investment decisions.
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<title>The Power of Compounding: Using a CAGR Calculator for Wealth Accumulation</title>
<link>https://businessbymoney.com/cagr-calculator-for-wealth-accumulation/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Tue, 24 Sep 2024 13:18:07 +0000</pubDate>
<category><![CDATA[Finance]]></category>
<category><![CDATA[CAGR Calculator]]></category>
<category><![CDATA[financial planning]]></category>
<category><![CDATA[Power of Compounding]]></category>
<category><![CDATA[wealth accumulation]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2249</guid>
<description><![CDATA[Understanding the Magic of Compounding Compounding is often referred to as the eighth wonder of the world. It’s the concept of earning returns on your previous returns, leading to exponential growth over time. While the idea might seem simple, its impact on wealth accumulation is profound. A CAGR (Compound Annual Growth Rate) calculator is a [...]
The post <a href="https://businessbymoney.com/cagr-calculator-for-wealth-accumulation/">The Power of Compounding: Using a CAGR Calculator for Wealth Accumulation</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
<h1 class="wp-block-heading">Understanding the Magic of Compounding</h1>
Compounding is often referred to as the eighth wonder of the world. It’s the concept of earning returns on your previous returns, leading to exponential growth over time. While the idea might seem simple, its impact on wealth accumulation is profound.
A CAGR (Compound Annual Growth Rate) calculator is a tool that quantifies the magic of compounding. It helps you visualize how your investments can grow over time, considering the effects of compounding.
<h2 class="wp-block-heading">How CAGR Works?</h2>
CAGR measures the average annual rate of return of an investment over a specific period. It provides a standardized way to compare different investment options. For instance, if an investment grows from Rs. 10,000 to Rs. 50,000 in five years, the <a href="https://preprod.franklintempletonindia.com/investor/cagr-calculator">CAGR calculator</a> will tell you the annual rate at which your money grew.
<h2 class="wp-block-heading">The Power of Compounding in Action</h2>
To truly grasp the power of compounding, consider this example:
<ul>
<li>Invest Rs. 10,000 annually for 30 years at a 12% CAGR.</li>
<li>At the end of 30 years, your investment would grow to approximately Rs. 2,759,032.</li>
</ul>
This astonishing growth is solely due to the <a href="https://www.franklintempletonindia.com/knowledge-centre/quick-learn/new-to-investing/article/beginners-guide-chapter7/power-of-compounding-in-mutual-funds">power of compounding</a>.
<h2 class="wp-block-heading">Using a CAGR Calculator Effectively</h2>
<ul>
<li>Setting Realistic Goals: Determine how much you need to save to achieve your financial goals.</li>
<li>Comparing Investments: Evaluate the performance of different investment options based on their CAGR.</li>
<li>Monitoring Portfolio Performance: Track the CAGR of your portfolio to assess its growth.</li>
<li>Understanding Risk: Higher CAGR often implies higher risk, so balance it with your risk tolerance.</li>
</ul>
<h2 class="wp-block-heading">Tips for Maximizing Compounding</h2>
<ul>
<li>Start Early: The earlier you start investing, the more time your money has to grow.</li>
<li>Regular Investments: Consistent investing, even small amounts, can lead to significant wealth over time.</li>
<li>Diversification: Spread your <a href="https://en.wikipedia.org/wiki/Investment" target="_blank" rel="noreferrer noopener nofollow">investments</a> across different asset classes to manage risk.</li>
<li>Reinvest Dividends: Reinvesting dividends can accelerate the compounding process.</li>
<li>Long-Term Perspective: Stay invested for the long term to harness the full power of compounding.</li>
</ul>
<h3 class="wp-block-heading">Conclusion</h3>
A CAGR calculator is a valuable tool for understanding the impact of compounding on your investments. By using it effectively, you can make informed decisions, set realistic financial goals, and increase your chances of achieving financial independence. Remember, consistency, patience, and disciplined investing are key to harnessing the power of compounding.
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<title>What is a Digital Current Account and Why Should You Care?</title>
<link>https://businessbymoney.com/what-is-a-digital-current-account/</link>
<dc:creator><![CDATA[Ivelina Numerova]]></dc:creator>
<pubDate>Thu, 29 Aug 2024 08:26:20 +0000</pubDate>
<category><![CDATA[Banking]]></category>
<category><![CDATA[Digital Current Account]]></category>
<category><![CDATA[What is a Digital Current Account]]></category>
<guid isPermaLink="false">https://businessbymoney.com/?p=2236</guid>
<description><![CDATA[ What is a digital current account and why should you pay attention to this financial innovation? The advent of digital banking has changed the manner in which finances are managed today, and digital current accounts are a key aspect of this new era. A digital current account offers online banking facilities that allow individuals and [...]
The post <a href="https://businessbymoney.com/what-is-a-digital-current-account/">What is a Digital Current Account and Why Should You Care?</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
]]></description>
<content:encoded><![CDATA[
What is a digital <a href="https://www.indusind.com/in/en/business/accounts/current-account.html">current accoun</a><a href="https://www.indusind.com/in/en/business/accounts/current-account.html" target="_blank" rel="noreferrer noopener">t</a> and why should you pay attention to this financial innovation? The advent of digital banking has changed the manner in which finances are managed today, and digital current accounts are a key aspect of this new era. A digital current account offers online banking facilities that allow individuals and businesses to perform multiple transactions quickly and efficiently without the need to physically visit a bank branch.
But why you should care? To find out, let’s delve into the top benefits that a digital current account brings to financial management.
<h2 class="wp-block-heading">1) Accessibility and convenience</h2>
One of the major advantages of a digital current bank account is the accessibility and convenience it provides. The digital revolution has made it possible for you to manage your finances without the need to step foot into a financial institution. With a digital current account, you can perform all your banking operations right from the comfort of your home or office. By simply using a smartphone and an internet connection, you can do everything in a few clicks – from <a href="https://www.indusind.com/in/en/business/accounts/current-account.html" target="_blank" rel="noreferrer noopener">current account opening</a> to managing your transactions. This level of accessibility is a boon for those with hectic schedules.
<h2 class="wp-block-heading">2) Easy and quick transactions</h2>
In business, efficiency is key. A digital current account allows you to perform transactions effortlessly and swiftly. Whether you need to make bulk payments, transfer funds, or receive money, digital current accounts streamline these activities, saving considerable effort and valuable time. There is no longer a requirement to wait in long queues at the bank or wait for cheques to clear. Additionally, real-time updates provide an accurate snapshot of your finances, thereby aiding in effective decision-making and financial planning.
<h2 class="wp-block-heading">3) No monthly balance requirement</h2>
One of the challenges with a conventional current account is the mandatory minimum balance requirement. Failure to maintain this could result in penalties. However, digital current accounts, like the Indus Tarakki Account by IndusInd Bank, have done away with this requirement, offering a higher degree of financial flexibility. This feature is especially advantageous for startups, small businesses, or individual traders who might experience fluctuating monetary flows. With zero need to worry about maintaining a high minimum average balance, you can concentrate on your core business activities and operations.
<h2 class="wp-block-heading">4) Digital collections</h2>
As the acceptance of cashless transactions in the economy increases, businesses must adapt to the evolving preferences of their customers. Digital current accounts support online fund collections via distinct methods such as UPI, QR, and POS. This ensures businesses can cater to customers who prefer digital payment modes due to their convenience, security, and speed. This also helps in tracking and managing income, resulting in more efficient financial management.
<h2 class="wp-block-heading">5) Free cash deposits and withdrawals</h2>
While the emphasis is on digital transactions, the significance of cash cannot be disregarded completely. Many digital current accounts provide free cash withdrawals and deposits up to a specific limit. This means you can deposit or withdraw cash from any branch without fretting about additional charges. This mix of digital convenience and traditional cash activities allows <a href="https://businessbymoney.com/law-firms-mistakes-in-information-technology/">businesses to manage</a> their finances in a way that best matches their preferences and requirements.
<h3 class="wp-block-heading">Ending note</h3>
A digital current account is an efficient, modern, and convenient way of managing your finances. It offers numerous benefits over conventional banking methods, including the ease of bank account opening, the convenience of digital transactions, and the elimination of monthly balance requirements. 
If you are a trader, retailer, or merchant, a digital current account could streamline your business activities and make financial management a breeze. So, don’t wait – take the leap and start your digital current account opening journey today! 
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The post <a href="https://businessbymoney.com/what-is-a-digital-current-account/">What is a Digital Current Account and Why Should You Care?</a> appeared first on <a href="https://businessbymoney.com">Business By Money</a>.
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