http://dynamicwealth-management.com/?p=1
Fraudsters have been stealing the identity of some of the UK’s best-known asset managers to stage an elaborate internet scam.
So far Aberdeen Asset Management, Schroders and Henderson Global Investors have discovered that bogus organisations claiming to be them have been soliciting for money.
Aberdeen has been moved to paste an announcement on its home page, warning
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søndag 29. mai 2011
Dynamic Wealth Management Headlines:Facing the future: Digital imaging could be next big thing in advice business
http://dynamicwealthmanagementtips.com/?p=1
People tend to make decisions for immediate gratification because they are treating their future self as a stranger,” he said.
Mr. Ersner-Hershfield used the example of a teenage boy smoking cigarettes because he is unable to imagine realistically the effects of long-term smoking on his body.
This is the same mindset, he explained, that helps justify why half the people in the country have just $25,000 saved for retirement and why a third of them have less than $1,000 saved.
To help remedy that gross shortfall in retirement savings, Mr. Ersner-Hershfield has developed a program that creates images of what people will look like in 30 or 40 years.
While the financial services industry for years has promoted savings calculators and estimates on retirement income needs, it turns out that seeing an image of yourself at an advanced age helps make imagining getting older a reality.
In his research, Mr. Ersner-Hershfield applied aging-avatar images of individuals to their perspectives on spending and saving money.
“The more similar people felt to their self in the future, the more assets they wanted to save,” he said. “And we found that the more the future self looks like a different person, the worse we are at saving behavior.”
Mr. Ersner-Hershfield even tweaked the research to alter the expression of the avatar so that poor-savings-habit responses would cause the avatar likeness to frown.
“The objective is to give people vivid examples of their future self,” he said.
Susan Carr-Templeton, founder of Stafford Wells Advisors Ltd., tested the technology on some of her clients.
“I think it would be great for 401(k) plan participants or some young people like athletes who are making a lot of money,” she said.
The technology is at least six months from being developed for practical use, according to Mr. Ersner-Hershfield.
“We envision it starting as more of an institutional thing that starts at a company like Fidelity [Investments] or something like that,” he said.
“The idea is to make financial education more engaging and more fun,” he said. “The research shows that whenever we see an image of ourselves, even as a reflection in the mirror, we behave better.”
While the technology might not be available yet, Ms. Carr-Templeton said there are techniques that can be used right now to help clients think more seriously about their retirement future.
“I ask clients to visualize where they will be when they retire,” she said. “I ask for specific details about where they will live and what it will actually cost to live there.”
People tend to make decisions for immediate gratification because they are treating their future self as a stranger,” he said.
Mr. Ersner-Hershfield used the example of a teenage boy smoking cigarettes because he is unable to imagine realistically the effects of long-term smoking on his body.
This is the same mindset, he explained, that helps justify why half the people in the country have just $25,000 saved for retirement and why a third of them have less than $1,000 saved.
To help remedy that gross shortfall in retirement savings, Mr. Ersner-Hershfield has developed a program that creates images of what people will look like in 30 or 40 years.
While the financial services industry for years has promoted savings calculators and estimates on retirement income needs, it turns out that seeing an image of yourself at an advanced age helps make imagining getting older a reality.
In his research, Mr. Ersner-Hershfield applied aging-avatar images of individuals to their perspectives on spending and saving money.
“The more similar people felt to their self in the future, the more assets they wanted to save,” he said. “And we found that the more the future self looks like a different person, the worse we are at saving behavior.”
Mr. Ersner-Hershfield even tweaked the research to alter the expression of the avatar so that poor-savings-habit responses would cause the avatar likeness to frown.
“The objective is to give people vivid examples of their future self,” he said.
Susan Carr-Templeton, founder of Stafford Wells Advisors Ltd., tested the technology on some of her clients.
“I think it would be great for 401(k) plan participants or some young people like athletes who are making a lot of money,” she said.
The technology is at least six months from being developed for practical use, according to Mr. Ersner-Hershfield.
“We envision it starting as more of an institutional thing that starts at a company like Fidelity [Investments] or something like that,” he said.
NO COST ESTIMATE
Mr. Ersner-Hershfield added that it is too early to guess what it might cost for an adviser to gain access to the technology.“The idea is to make financial education more engaging and more fun,” he said. “The research shows that whenever we see an image of ourselves, even as a reflection in the mirror, we behave better.”
While the technology might not be available yet, Ms. Carr-Templeton said there are techniques that can be used right now to help clients think more seriously about their retirement future.
“I ask clients to visualize where they will be when they retire,” she said. “I ask for specific details about where they will live and what it will actually cost to live there.”
Dynamic Wealth Management Headlines: Ex-teammate: Lance Armstrong encouraged doping
http://dynamicwealthmanagement-updates.com/
Lance Armstrong’s former teammate, Tyler Hamilton, says Armstrong and other team leaders encouraged, promoted and took part in a doping program in an effort to win the Tour de France in 1999 and beyond, according to a report aired tonight on “60 Minutes.”
Hamilton said he saw Armstrong take performance-enhancing drugs, EPO and testosterone and also saw him receive a banned blood transfusion in 2000.
“I feel bad that I had to go here and do this,” Hamilton said in his first public admission of doping throughout his career. “But I think at end of the day, like I said, long-term, the sport’s going to be better for it.”
• Related: Drew Sharp on Lance Armstrong
In the interview, portions of which were aired Thursday and Friday on “CBS Evening News,” Hamilton revealed other observations about the U.S. Postal team operation:
&bulll;Team leaders, including doctors and managers, encouraged and supervised doping;
•Doping was going on inside the U.S. Postal team even before Armstrong joined in 1998;
•Performance-enhancing drugs, including EPO and human growth hormone, were handed out to cyclists in white lunch bags;
bull;Team members were met at the airport, driven to hotels, told to lie down and give blood that could be transfused back into their bodies at a later date. Armstrong long has denied doping and has never tested positive.
Today, his attorney, Mark Fabiani, released a statement deriding the CBS report.
“We have already responded in great detail at www.facts4lance.com,” Fabiani said. “Throughout this entire process, CBS has demonstrated a serious lack of journalistic fairness and has elevated sensationalism over responsibility. CBS chose to rely on dubious sources while completely ignoring Lance’s nearly 500 clean tests and the hundreds of former teammates and competitors who would have spoken about his work ethic and talent.”
Lance Armstrong’s former teammate, Tyler Hamilton, says Armstrong and other team leaders encouraged, promoted and took part in a doping program in an effort to win the Tour de France in 1999 and beyond, according to a report aired tonight on “60 Minutes.”
Hamilton said he saw Armstrong take performance-enhancing drugs, EPO and testosterone and also saw him receive a banned blood transfusion in 2000.
“I feel bad that I had to go here and do this,” Hamilton said in his first public admission of doping throughout his career. “But I think at end of the day, like I said, long-term, the sport’s going to be better for it.”
• Related: Drew Sharp on Lance Armstrong
In the interview, portions of which were aired Thursday and Friday on “CBS Evening News,” Hamilton revealed other observations about the U.S. Postal team operation:
&bulll;Team leaders, including doctors and managers, encouraged and supervised doping;
•Doping was going on inside the U.S. Postal team even before Armstrong joined in 1998;
•Performance-enhancing drugs, including EPO and human growth hormone, were handed out to cyclists in white lunch bags;
bull;Team members were met at the airport, driven to hotels, told to lie down and give blood that could be transfused back into their bodies at a later date. Armstrong long has denied doping and has never tested positive.
Today, his attorney, Mark Fabiani, released a statement deriding the CBS report.
“We have already responded in great detail at www.facts4lance.com,” Fabiani said. “Throughout this entire process, CBS has demonstrated a serious lack of journalistic fairness and has elevated sensationalism over responsibility. CBS chose to rely on dubious sources while completely ignoring Lance’s nearly 500 clean tests and the hundreds of former teammates and competitors who would have spoken about his work ethic and talent.”
Welcome to Dynamic Wealth Management
http://www.dynamicwealth.ca/index.php/full-disclosure/18-swiss-wins
Welcome to Dynamic Wealth Management's brand new website. Please take a look around and take a moment to read the blog. I will be posting my thoughts on investing and the markets every Monday, so check back every week to get the latest news.
I am also interested in your opinion of my website. If you have any suggestions on how I could make it better, whether it be layout, feel, user-friendliness or what type of topics I should cover in the blog, I would really appreciate the feedback so I can make this website the best it can be for its visitors.
Dynamic Wealth Management: Why Invest Offshore?
http://www.offshorecompanyformationworldwide.com/dynamic-wealth-management-invest-offshore/
Dynamic Wealth Management: Even in this day and age of enlightenment thanks to the pervasive nature of information dissemination via the internet, some people are still concerned about the legalities and legitimacy of the offshore world of finance and banking. For some reason others simply assume that onshore equates to a ‘safe haven’ for money and offshore equates to a ‘risky tax haven.’
Well, you and I know that that is simply not the case! However, even though it is now clearer to more people that the offshore world holds many potential taxation benefits, there are still questions to be answered about why one should invest offshore and in this article we explore the benefits.
First things first…here’s another myth I wish to dispel – some people say that offshore investments and bank accounts are more lightly regulated than their entity-type-counterparts onshore…now, that’s not necessarily true!
Yes, certain jurisdictions give fund managers, bankers and investors pretty much free rein so that the rewards and risks are potentially far greater – but some jurisdictions are very highly regarded among financial professionals simply because of the incredibly high standards of protection they afford investors and account holders through insurance schemes and government regulation requirements for example:
The Isle of Man and the Channel Islands are examples of offshore jurisdictions where offshore investment and saving policy or bank account holders are afforded high levels of protection. Just taking the Isle of Man – it offers policyholder protection schemes, it also has the highest financial services rating issued by the OECD, FATF and FSF and it has an independent Financial Services Ombudsman scheme not to mention the fact that both Standard and Poor’s and Moody’s have given the Isle of Man AAA ratings.
So – myth dispelled, let’s move on.
In terms of the benefits available when investing offshore they will always, always depend on the particular circumstances of the individual investor – but offshore financial services and structures can be used as part of an overall asset protection strategy for example, investing offshore can afford an investor greater flexibility in terms of international accessibility and the commodities, equities, derivatives, stocks, shares or companies they can invest in, plus there are of course sometimes significant taxation benefits available to an account holder depending on their countries of tax residence and domicile.
Other answers to the question posed by this article – namely ‘why invest offshore?’ – are because there are general benefits available including more efficient estate planning potential, privacy and confidentiality, better interest returns, the chance to exploit active business interests overseas in low or no tax locations and global access to assets and income.
So, while the internet has been fantastic in terms of allowing more people to become far more broadly informed – especially about subjects as seemingly taboo as all things offshore – it is still absolutely in a government’s interests to avoid advising people that the offshore world is open and available to them because they may well lose out on taxation revenue as a result! This means it is up to independent websites such as Dynamic Wealth Management to give you free access to facts and general information and for you to then see how and why such information is or is not applicable to your own personal circumstances. At which stage you can then take specific and expert advice from a qualified individual as to how you can best utilize the offshore world.
And on that final note there is just one more thing to say! A potential investor (you) has to be absolutely sure that the actions they are about to take in terms of placing assets offshore will be of benefit to them. Additionally they need to make sure that they are acting legally, that a company they are entrusting with their money is legitimate and that they understand the risks associated with their decisions.
To that end we at Dynamic Wealth Management will always advise that you should to do your own due diligence on the jurisdiction recommended to you or chosen by you, the company you are considering investing or banking with and the policy or account you are taking out. Common sense is the main key to ensuring you do not make a mistake when entering the world of offshore finance and common sense is something we here at Dynamic Wealth Management pride ourselves on!
Dynamic Wealth Management: Even in this day and age of enlightenment thanks to the pervasive nature of information dissemination via the internet, some people are still concerned about the legalities and legitimacy of the offshore world of finance and banking. For some reason others simply assume that onshore equates to a ‘safe haven’ for money and offshore equates to a ‘risky tax haven.’
Well, you and I know that that is simply not the case! However, even though it is now clearer to more people that the offshore world holds many potential taxation benefits, there are still questions to be answered about why one should invest offshore and in this article we explore the benefits.
First things first…here’s another myth I wish to dispel – some people say that offshore investments and bank accounts are more lightly regulated than their entity-type-counterparts onshore…now, that’s not necessarily true!
Yes, certain jurisdictions give fund managers, bankers and investors pretty much free rein so that the rewards and risks are potentially far greater – but some jurisdictions are very highly regarded among financial professionals simply because of the incredibly high standards of protection they afford investors and account holders through insurance schemes and government regulation requirements for example:
The Isle of Man and the Channel Islands are examples of offshore jurisdictions where offshore investment and saving policy or bank account holders are afforded high levels of protection. Just taking the Isle of Man – it offers policyholder protection schemes, it also has the highest financial services rating issued by the OECD, FATF and FSF and it has an independent Financial Services Ombudsman scheme not to mention the fact that both Standard and Poor’s and Moody’s have given the Isle of Man AAA ratings.
So – myth dispelled, let’s move on.
In terms of the benefits available when investing offshore they will always, always depend on the particular circumstances of the individual investor – but offshore financial services and structures can be used as part of an overall asset protection strategy for example, investing offshore can afford an investor greater flexibility in terms of international accessibility and the commodities, equities, derivatives, stocks, shares or companies they can invest in, plus there are of course sometimes significant taxation benefits available to an account holder depending on their countries of tax residence and domicile.
Other answers to the question posed by this article – namely ‘why invest offshore?’ – are because there are general benefits available including more efficient estate planning potential, privacy and confidentiality, better interest returns, the chance to exploit active business interests overseas in low or no tax locations and global access to assets and income.
So, while the internet has been fantastic in terms of allowing more people to become far more broadly informed – especially about subjects as seemingly taboo as all things offshore – it is still absolutely in a government’s interests to avoid advising people that the offshore world is open and available to them because they may well lose out on taxation revenue as a result! This means it is up to independent websites such as Dynamic Wealth Management to give you free access to facts and general information and for you to then see how and why such information is or is not applicable to your own personal circumstances. At which stage you can then take specific and expert advice from a qualified individual as to how you can best utilize the offshore world.
And on that final note there is just one more thing to say! A potential investor (you) has to be absolutely sure that the actions they are about to take in terms of placing assets offshore will be of benefit to them. Additionally they need to make sure that they are acting legally, that a company they are entrusting with their money is legitimate and that they understand the risks associated with their decisions.
To that end we at Dynamic Wealth Management will always advise that you should to do your own due diligence on the jurisdiction recommended to you or chosen by you, the company you are considering investing or banking with and the policy or account you are taking out. Common sense is the main key to ensuring you do not make a mistake when entering the world of offshore finance and common sense is something we here at Dynamic Wealth Management pride ourselves on!
Dynamic Wealth Management: How Much Money Is Needed for Retirement?
http://www.currentnewsaffairs.com/finance/wealth-management/dynamic-wealth-management-how-much-money-is-needed-for-retirement
Most early- and mid-profession workers see retirement as becoming far off in the distance. While retirees devote their days soothing below swaying palms and contemplating how thankful they are to be out of the rat race for great, the actuality is quite diverse. These days, men and women are retiring later and discovering the require to conserve far more dollars to dwell comfortably right after retirement. No two methods about it, the longer folks wait to retire, the more comfy their lives will be.
Dynamicwmanagement: How Considerably Dollars Does a Individual Require to Retire?
How considerably dollars a man or woman requirements for retirement depends on a assortment of components such as desired life style, area, retirement age, anticipated social safety payments, and perhaps even health-related requirements. Although some specialists predict a individual may possibly need anywhere in between ,000-.five million to retire comfortably, the quantity is diverse for everyone all over the globe.
In order to decide exactly how considerably a individual requirements for retirement, numerous retirement planning and monetary web sites attribute retirement calculators. Using a retirement calculator, the person enters information like desired retirement age, anticipated social security payments, existing age, current yearly earnings, and existence expectancy. The results display the complete volume of cash essential to retire comfortably factoring in inflation.
Most early- and mid-profession workers see retirement as becoming far off in the distance. While retirees devote their days soothing below swaying palms and contemplating how thankful they are to be out of the rat race for great, the actuality is quite diverse. These days, men and women are retiring later and discovering the require to conserve far more dollars to dwell comfortably right after retirement. No two methods about it, the longer folks wait to retire, the more comfy their lives will be.
Dynamicwmanagement: How Considerably Dollars Does a Individual Require to Retire?
How considerably dollars a man or woman requirements for retirement depends on a assortment of components such as desired life style, area, retirement age, anticipated social safety payments, and perhaps even health-related requirements. Although some specialists predict a individual may possibly need anywhere in between ,000-.five million to retire comfortably, the quantity is diverse for everyone all over the globe.
In order to decide exactly how considerably a individual requirements for retirement, numerous retirement planning and monetary web sites attribute retirement calculators. Using a retirement calculator, the person enters information like desired retirement age, anticipated social security payments, existing age, current yearly earnings, and existence expectancy. The results display the complete volume of cash essential to retire comfortably factoring in inflation.
Dynamic Wealth Management Headlines:How to structure sale of business
http://dynamicwealthmanagementtips.com/?p=10
It is key to understand that the buyer and the seller have divergent interests in the structure of the transaction, most of which revolve around stock and assets. The seller wants to sell stock, and the buyer wants to buy assets. There are a few reasons for this.
Imagine the business in question is a construction or drug company, and is sold. If years after the sale a bridge the company engineered and built collapsed, or a severe side effect was discovered with a drug or medical device the business provided, who is held liable? The answer is the owner of the stock. One of the main negotiation points in selling a business is will it be a sale of stock or assets.
The new owner, if they purchase the stock of a company, becomes liable for any claims against that company for all its previous work. As such, it is in the seller’s best interest to sell the shares of the business to shield it from any future responsibility.
There is another reason why the seller is interested in selling stock. If the value of the company had seen significant growth in the value of its stock over time, a sale of stock would be subject to a capital gains tax rate. With the current tax structure, the capital gains tax rate is lower than the income tax rate. This could translate into substantially greater net value from the sale.
On the flip side, the buyer would prefer not to purchase the stock of the company, but rather to acquire the assets. This enables the buyer not only to avoid any potential liabilities, but also to gain the depreciation and amortization benefits that come along with purchasing assets.
As an aside, assets that are not considered in direct line with the operations of the business should also be removed from the business. For example, having the land the business sits on residing in a separate LLC makes the business easier to buy if the buyer wanted to relocate.
In the classic book “Getting to Yes,” one of the main concepts is that many times there are components of the object in a negotiation that have little value to one party but a lot of value to the other. In negotiating over an orange, it might turn out that one party values only the pulp for the juice, while the other values only the peel for cooking.
Along these lines, there is a group of techniques that can be used to optimize the deal for one or both parties.
Terry Stanaland, a CPA and attorney in Greensboro and national lecturer on financial and tax topics, describes it this way: “Restructuring the deal from a simple cash transaction to correctly incorporating a noncompete clause, a consulting agreement, and/or an employment agreement can help achieve greater bottom line dollars for both parties involved in the sale.”
It is key to understand that the buyer and the seller have divergent interests in the structure of the transaction, most of which revolve around stock and assets. The seller wants to sell stock, and the buyer wants to buy assets. There are a few reasons for this.
Imagine the business in question is a construction or drug company, and is sold. If years after the sale a bridge the company engineered and built collapsed, or a severe side effect was discovered with a drug or medical device the business provided, who is held liable? The answer is the owner of the stock. One of the main negotiation points in selling a business is will it be a sale of stock or assets.
The new owner, if they purchase the stock of a company, becomes liable for any claims against that company for all its previous work. As such, it is in the seller’s best interest to sell the shares of the business to shield it from any future responsibility.
There is another reason why the seller is interested in selling stock. If the value of the company had seen significant growth in the value of its stock over time, a sale of stock would be subject to a capital gains tax rate. With the current tax structure, the capital gains tax rate is lower than the income tax rate. This could translate into substantially greater net value from the sale.
On the flip side, the buyer would prefer not to purchase the stock of the company, but rather to acquire the assets. This enables the buyer not only to avoid any potential liabilities, but also to gain the depreciation and amortization benefits that come along with purchasing assets.
As an aside, assets that are not considered in direct line with the operations of the business should also be removed from the business. For example, having the land the business sits on residing in a separate LLC makes the business easier to buy if the buyer wanted to relocate.
In the classic book “Getting to Yes,” one of the main concepts is that many times there are components of the object in a negotiation that have little value to one party but a lot of value to the other. In negotiating over an orange, it might turn out that one party values only the pulp for the juice, while the other values only the peel for cooking.
Along these lines, there is a group of techniques that can be used to optimize the deal for one or both parties.
Terry Stanaland, a CPA and attorney in Greensboro and national lecturer on financial and tax topics, describes it this way: “Restructuring the deal from a simple cash transaction to correctly incorporating a noncompete clause, a consulting agreement, and/or an employment agreement can help achieve greater bottom line dollars for both parties involved in the sale.”
Dynamic Wealth Management Do good while making money: A guide to socially responsible investing
http://sirat.org/dynamic-wealth-management-do-good-while-making-money-a-guide-to-socially-responsible-investing.html
Here at Dynamic Wealth Management we are committed to offering our clients access to the latest and broadest range offinancial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
Here at Dynamic Wealth Management we are committed to offering our clients access to the latest and broadest range offinancial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
Dynamic Wealth loses battle against FSB
http://mg.co.za/article/2010-09-16-dynamic-wealth-losses-battle-against-fsb
This week the Financial Services Board (FSB) ordered Dynamic Wealth Management and Dynamic Wealth Stockbrokers to stop doing business with immediate effect. The FSB has ordered that all invested funds must be returned to investors and any outstanding businesses, after consultation with the relevant clients, be transferred to another financial-services provider.
This ruling comes after attempts by the FSB to have certain businesses within Dynamic Wealth put under curatorship (see related articles). Considering the immense cost of curatorship, the decision to rather close the businesses is probably in the best interests of the clients.
The concerns that the FSB has had with Dynamic Wealth related to how it structured its investment.
In order to circumvent the Collective Investment Schemes Control Act (CISCA) requirements, Dynamic Wealth ran "investment clubs", which allowed it to pool clients' investments.
The company claimed that this was not open to the public and was a closed group and therefore did not need to be registered as a unit trust as per the Act. However, the FSB found that the investments were, in fact, open to the public. According to the FSB report "the companies had in many instances made themselves guilty of contravention of the law, defiance or circumvention of regulation and the directives issued by the registrar [of the FSB]. The companies have failed in their fiduciary duties towards their clients, neglected the interests of clients, have treated clients unfairly, and in several known instances have caused their clients to suffer severe loss."
The FSB also stated that the registrar's experience with the companies has left him as regulator without any confidence in the board of directors and executive management of the companies, and that in many instances the two companies are either unwilling or unable to repay their investors funds that had been entrusted to them.
Due to a R230-million exposure to Corporate Money Managers, a money market fund that collapsed last year, Dynamic Wealth money market investor club members and Income Specialist shareholders (who are mostly pensioners) have received little or no income for at least 12 months. They have also not had access to their capital.
This week the Financial Services Board (FSB) ordered Dynamic Wealth Management and Dynamic Wealth Stockbrokers to stop doing business with immediate effect. The FSB has ordered that all invested funds must be returned to investors and any outstanding businesses, after consultation with the relevant clients, be transferred to another financial-services provider.
This ruling comes after attempts by the FSB to have certain businesses within Dynamic Wealth put under curatorship (see related articles). Considering the immense cost of curatorship, the decision to rather close the businesses is probably in the best interests of the clients.
The concerns that the FSB has had with Dynamic Wealth related to how it structured its investment.
In order to circumvent the Collective Investment Schemes Control Act (CISCA) requirements, Dynamic Wealth ran "investment clubs", which allowed it to pool clients' investments.
The company claimed that this was not open to the public and was a closed group and therefore did not need to be registered as a unit trust as per the Act. However, the FSB found that the investments were, in fact, open to the public. According to the FSB report "the companies had in many instances made themselves guilty of contravention of the law, defiance or circumvention of regulation and the directives issued by the registrar [of the FSB]. The companies have failed in their fiduciary duties towards their clients, neglected the interests of clients, have treated clients unfairly, and in several known instances have caused their clients to suffer severe loss."
The FSB also stated that the registrar's experience with the companies has left him as regulator without any confidence in the board of directors and executive management of the companies, and that in many instances the two companies are either unwilling or unable to repay their investors funds that had been entrusted to them.
Due to a R230-million exposure to Corporate Money Managers, a money market fund that collapsed last year, Dynamic Wealth money market investor club members and Income Specialist shareholders (who are mostly pensioners) have received little or no income for at least 12 months. They have also not had access to their capital.
Dynamic Wealth Management Headlines:Telerik updates testing and management tools
http://dynamicwealthmanagement-updates.com/?p=1
Test Studio, formerly WebUI Test Studio, now includes support for Windows Presentation Foundation (WPF) desktop applications as well as Web application testing, according to Todd Anglin, Telerik’s chief evangelist.
The new release has added support for AJAX, HTML, Silverlight and WPF desktop applications, Anglin said. The application also supports Silverlight, HTML and AJAX application testing.
TeamPulse’s release also includes integration with Test Studio, which allows user stories to be linked with test cases and catalogued throughout the design process. TeamPulse also includes reporting capabilities, My Perspective view, a bug-tracking module, and a TaskBoard to track individual projects.
“QA teams can generate reports against the results delivered by TeamPulse and can look at historical results to see how the quality [of the code] has changed over time,” Anglin said.
The My Perspective view in TeamPulse allows for each team member to view his or her assigned tasks, bugs and progress in a streamlined screen. The managers can also track individual team-member progress and determine what percentage of the project still needs to be completed, according to Anglin.
Additionally, the TaskBoard in TeamPulse allows team members to keep track of tasks, stories and workflow on a virtual whiteboard, which can be used in Scrum meetings as well.
Test Studio, formerly WebUI Test Studio, now includes support for Windows Presentation Foundation (WPF) desktop applications as well as Web application testing, according to Todd Anglin, Telerik’s chief evangelist.
The new release has added support for AJAX, HTML, Silverlight and WPF desktop applications, Anglin said. The application also supports Silverlight, HTML and AJAX application testing.
TeamPulse’s release also includes integration with Test Studio, which allows user stories to be linked with test cases and catalogued throughout the design process. TeamPulse also includes reporting capabilities, My Perspective view, a bug-tracking module, and a TaskBoard to track individual projects.
“QA teams can generate reports against the results delivered by TeamPulse and can look at historical results to see how the quality [of the code] has changed over time,” Anglin said.
The My Perspective view in TeamPulse allows for each team member to view his or her assigned tasks, bugs and progress in a streamlined screen. The managers can also track individual team-member progress and determine what percentage of the project still needs to be completed, according to Anglin.
Additionally, the TaskBoard in TeamPulse allows team members to keep track of tasks, stories and workflow on a virtual whiteboard, which can be used in Scrum meetings as well.
Dynamic wealth management: What skills are needed to be a real estate investor?
http://answers.yahoo.com/question/index?qid=20110520232725AAOwsCA
Most new investors are able to grasp the techniques but they do not have enough qualified sellers to apply their techniques to. As with any business, you will need to have strong communication skills, good technique know how and creative marketing knowledge. It will take time to learn these but the good news is that you only have to learn them once to become wealthy.
Most new investors are able to grasp the techniques but they do not have enough qualified sellers to apply their techniques to. As with any business, you will need to have strong communication skills, good technique know how and creative marketing knowledge. It will take time to learn these but the good news is that you only have to learn them once to become wealthy.
fredag 20. mai 2011
Dynamic Wealth Management Headlines:How to structure sale of business
http://dynamicwealthmanagementtips.com/?p=10
Over the past few columns, I have discussed issues related to selling the family business.
I’ve covered the importance of evaluating your life goals along with the dollars involved in a sale, the value of shaping up the management and financial statements, and the need to leverage expert advice. This final installment will convey a few techniques to optimizing the deal with the buyer.
It is key to understand that the buyer and the seller have divergent interests in the structure of the transaction, most of which revolve around stock and assets. The seller wants to sell stock, and the buyer wants to buy assets. There are a few reasons for this.
Imagine the business in question is a construction or drug company, and is sold. If years after the sale a bridge the company engineered and built collapsed, or a severe side effect was discovered with a drug or medical device the business provided, who is held liable? The answer is the owner of the stock. One of the main negotiation points in selling a business is will it be a sale of stock or assets.
The new owner, if they purchase the stock of a company, becomes liable for any claims against that company for all its previous work. As such, it is in the seller’s best interest to sell the shares of the business to shield it from any future responsibility.
There is another reason why the seller is interested in selling stock. If the value of the company had seen significant growth in the value of its stock over time, a sale of stock would be subject to a capital gains tax rate. With the current tax structure, the capital gains tax rate is lower than the income tax rate. This could translate into substantially greater net value from the sale.
On the flip side, the buyer would prefer not to purchase the stock of the company, but rather to acquire the assets. This enables the buyer not only to avoid any potential liabilities, but also to gain the depreciation and amortization benefits that come along with purchasing assets.
As an aside, assets that are not considered in direct line with the operations of the business should also be removed from the business. For example, having the land the business sits on residing in a separate LLC makes the business easier to buy if the buyer wanted to relocate.
In the classic book “Getting to Yes,” one of the main concepts is that many times there are components of the object in a negotiation that have little value to one party but a lot of value to the other. In negotiating over an orange, it might turn out that one party values only the pulp for the juice, while the other values only the peel for cooking.
Along these lines, there is a group of techniques that can be used to optimize the deal for one or both parties.
Terry Stanaland, a CPA and attorney in Greensboro and national lecturer on financial and tax topics, describes it this way: “Restructuring the deal from a simple cash transaction to correctly incorporating a noncompete clause, a consulting agreement, and/or an employment agreement can help achieve greater bottom line dollars for both parties involved in the sale.”
For that matter, the buyer is certainly going to want the current owner to stick around the business for a while anyhow.
Understanding and working with the elements important to the buyer that reduce current and long-term taxes, lower liability risk, and simplify the transaction can help the family business owner optimize the overall value of the sale and ultimately get the deal done.
In two weeks: The North Carolina Family Business of the Year
Columnist Henry Hutcheson is a nationally recognized family business speaker, author and consultant with ReGeneration Partners in Raleigh.
Over the past few columns, I have discussed issues related to selling the family business.
I’ve covered the importance of evaluating your life goals along with the dollars involved in a sale, the value of shaping up the management and financial statements, and the need to leverage expert advice. This final installment will convey a few techniques to optimizing the deal with the buyer.
It is key to understand that the buyer and the seller have divergent interests in the structure of the transaction, most of which revolve around stock and assets. The seller wants to sell stock, and the buyer wants to buy assets. There are a few reasons for this.
Imagine the business in question is a construction or drug company, and is sold. If years after the sale a bridge the company engineered and built collapsed, or a severe side effect was discovered with a drug or medical device the business provided, who is held liable? The answer is the owner of the stock. One of the main negotiation points in selling a business is will it be a sale of stock or assets.
The new owner, if they purchase the stock of a company, becomes liable for any claims against that company for all its previous work. As such, it is in the seller’s best interest to sell the shares of the business to shield it from any future responsibility.
There is another reason why the seller is interested in selling stock. If the value of the company had seen significant growth in the value of its stock over time, a sale of stock would be subject to a capital gains tax rate. With the current tax structure, the capital gains tax rate is lower than the income tax rate. This could translate into substantially greater net value from the sale.
On the flip side, the buyer would prefer not to purchase the stock of the company, but rather to acquire the assets. This enables the buyer not only to avoid any potential liabilities, but also to gain the depreciation and amortization benefits that come along with purchasing assets.
As an aside, assets that are not considered in direct line with the operations of the business should also be removed from the business. For example, having the land the business sits on residing in a separate LLC makes the business easier to buy if the buyer wanted to relocate.
In the classic book “Getting to Yes,” one of the main concepts is that many times there are components of the object in a negotiation that have little value to one party but a lot of value to the other. In negotiating over an orange, it might turn out that one party values only the pulp for the juice, while the other values only the peel for cooking.
Along these lines, there is a group of techniques that can be used to optimize the deal for one or both parties.
Terry Stanaland, a CPA and attorney in Greensboro and national lecturer on financial and tax topics, describes it this way: “Restructuring the deal from a simple cash transaction to correctly incorporating a noncompete clause, a consulting agreement, and/or an employment agreement can help achieve greater bottom line dollars for both parties involved in the sale.”
For that matter, the buyer is certainly going to want the current owner to stick around the business for a while anyhow.
Understanding and working with the elements important to the buyer that reduce current and long-term taxes, lower liability risk, and simplify the transaction can help the family business owner optimize the overall value of the sale and ultimately get the deal done.
In two weeks: The North Carolina Family Business of the Year
Columnist Henry Hutcheson is a nationally recognized family business speaker, author and consultant with ReGeneration Partners in Raleigh.
Dynamic Wealth Management Headlines:Facing the future: Digital imaging could be next big thing in advice business
http://dynamicwealthmanagementtips.com/?p=1
A unique combination of psychology and technology might be just the ticket for getting investors to start taking their retirement savings more seriously.
Speaking last Monday at the InvestmentNews’ annual Retirement Income Summit in Chicago, Hal Ersner-Hershfield, a postdoctoral fellow and visiting assistant professor at Northwestern University’s Kellogg School of Management, illustrated how individuals generally take their future more seriously when they can imagine themselves as an older person.
Mr. Ersner-Hershfield used the example of a teenage boy smoking cigarettes because he is unable to imagine realistically the effects of long-term smoking on his body.
This is the same mindset, he explained, that helps justify why half the people in the country have just $25,000 saved for retirement and why a third of them have less than $1,000 saved.
To help remedy that gross shortfall in retirement savings, Mr. Ersner-Hershfield has developed a program that creates images of what people will look like in 30 or 40 years.
While the financial services industry for years has promoted savings calculators and estimates on retirement income needs, it turns out that seeing an image of yourself at an advanced age helps make imagining getting older a reality.
In his research, Mr. Ersner-Hershfield applied aging-avatar images of individuals to their perspectives on spending and saving money.
“The more similar people felt to their self in the future, the more assets they wanted to save,” he said. “And we found that the more the future self looks like a different person, the worse we are at saving behavior.”
Mr. Ersner-Hershfield even tweaked the research to alter the expression of the avatar so that poor-savings-habit responses would cause the avatar likeness to frown.
“The objective is to give people vivid examples of their future self,” he said.
Susan Carr-Templeton, founder of Stafford Wells Advisors Ltd., tested the technology on some of her clients.
“I think it would be great for 401(k) plan participants or some young people like athletes who are making a lot of money,” she said.
The technology is at least six months from being developed for practical use, according to Mr. Ersner-Hershfield.
“We envision it starting as more of an institutional thing that starts at a company like Fidelity [Investments] or something like that,” he said.
“The idea is to make financial education more engaging and more fun,” he said. “The research shows that whenever we see an image of ourselves, even as a reflection in the mirror, we behave better.”
While the technology might not be available yet, Ms. Carr-Templeton said there are techniques that can be used right now to help clients think more seriously about their retirement future.
“I ask clients to visualize where they will be when they retire,” she said. “I ask for specific details about where they will live and what it will actually cost to live there.”
Of course, she added, being able to show a client an avatar image of what old age will look like “could make an adviser unique.”
A unique combination of psychology and technology might be just the ticket for getting investors to start taking their retirement savings more seriously.
Speaking last Monday at the InvestmentNews’ annual Retirement Income Summit in Chicago, Hal Ersner-Hershfield, a postdoctoral fellow and visiting assistant professor at Northwestern University’s Kellogg School of Management, illustrated how individuals generally take their future more seriously when they can imagine themselves as an older person.
SELF AS A STRANGER
“People tend to make decisions for immediate gratification because they are treating their future self as a stranger,” he said.Mr. Ersner-Hershfield used the example of a teenage boy smoking cigarettes because he is unable to imagine realistically the effects of long-term smoking on his body.
This is the same mindset, he explained, that helps justify why half the people in the country have just $25,000 saved for retirement and why a third of them have less than $1,000 saved.
To help remedy that gross shortfall in retirement savings, Mr. Ersner-Hershfield has developed a program that creates images of what people will look like in 30 or 40 years.
While the financial services industry for years has promoted savings calculators and estimates on retirement income needs, it turns out that seeing an image of yourself at an advanced age helps make imagining getting older a reality.
In his research, Mr. Ersner-Hershfield applied aging-avatar images of individuals to their perspectives on spending and saving money.
“The more similar people felt to their self in the future, the more assets they wanted to save,” he said. “And we found that the more the future self looks like a different person, the worse we are at saving behavior.”
Mr. Ersner-Hershfield even tweaked the research to alter the expression of the avatar so that poor-savings-habit responses would cause the avatar likeness to frown.
“The objective is to give people vivid examples of their future self,” he said.
Susan Carr-Templeton, founder of Stafford Wells Advisors Ltd., tested the technology on some of her clients.
“I think it would be great for 401(k) plan participants or some young people like athletes who are making a lot of money,” she said.
The technology is at least six months from being developed for practical use, according to Mr. Ersner-Hershfield.
“We envision it starting as more of an institutional thing that starts at a company like Fidelity [Investments] or something like that,” he said.
NO COST ESTIMATE
Mr. Ersner-Hershfield added that it is too early to guess what it might cost for an adviser to gain access to the technology.“The idea is to make financial education more engaging and more fun,” he said. “The research shows that whenever we see an image of ourselves, even as a reflection in the mirror, we behave better.”
While the technology might not be available yet, Ms. Carr-Templeton said there are techniques that can be used right now to help clients think more seriously about their retirement future.
“I ask clients to visualize where they will be when they retire,” she said. “I ask for specific details about where they will live and what it will actually cost to live there.”
Of course, she added, being able to show a client an avatar image of what old age will look like “could make an adviser unique.”
Dynamic Wealth Management Headlines:Crisis Report on RBS Collapse to Undergo Scrutiny
http://dynamicwealthmanagementreports.com/?p=7
May 06, 2011 /The Treasury Select Committee (TSC) has called in two independent reviewers to look into the crisis report to be issued by the Financial Services Authority regarding the failure of Royal Bank of Scotland (RBS).
May 06, 2011 /The Treasury Select Committee (TSC) has called in two independent reviewers to look into the crisis report to be issued by the Financial Services Authority regarding the failure of Royal Bank of Scotland (RBS).
Similarly, a non-executive sub-group of the FSA Board chaired by Brian Pomeroy will conduct a separate review on the process and findings of the FSA’s report. The separate review is expected to “interface as appropriate with the independent reviewers.”
All About Dynamic Wealth Management Zurich
http://www.free-press-release.com/news-all-about-dynamic-wealth-management-zurich-1302878626.html
As a Dynamic Wealth Management client, your portfolio will be structured using the disciplines of asset allocation, risk tolerance, and thorough understanding of your goals and objectives.
We believe in the appropriate allocation of fixed income, equity, international stocks and bonds, hedge funds, and alternative investments.
Equities
We believe in the appropriate allocation of fixed income, equity, international stocks and bonds, hedge funds, and alternative investments.
Equities
Dynamic Wealth Management offers a variety of tools that can help determine which individual stocks are appropriate for your equity portfolio objectives. Our equity disciplines are style specific and can be crafted to meet customized client objectives and fulfill a defined asset allocation strategy.
At the Dynamic Wealth Management Zurich, Switzerland, we realize that no two clients are the same. Every client has different financial needs, goals, and plans. For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.
At the Dynamic Wealth Management Zurich, Switzerland, we realize that no two clients are the same. Every client has different financial needs, goals, and plans. For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.
In all cases, a Dynamic Wealth Management Portfolio Manager will recommend a portfolio strategy that reflects your tax situation, other assets you may already own, risk tolerance, particular family needs and constraints, and preferences you specify. Several equity models are designed to assist investors in achieving the proper asset allocation when investing in equities. In addition, customized equity portfolio analysis is available for our private preferred clients.
Mutual Funds
Dynamic Wealth Management has selling arrangements with a large number of mutual fund companies. Many of these mutual fund companies are leaders in the industry and offer expertise in different investment categories.
Unit Investment Trusts www.dynamicwmanagement.com
We offer one of the widest selections of Unit Investment Trusts available, including equity, municipal and taxable fixed income trusts. Dynamic Wealth Management creates sector trusts of companies based on work of our global research analysts.
Managed Accounts
Mutual Funds
Dynamic Wealth Management has selling arrangements with a large number of mutual fund companies. Many of these mutual fund companies are leaders in the industry and offer expertise in different investment categories.
Unit Investment Trusts www.dynamicwmanagement.com
We offer one of the widest selections of Unit Investment Trusts available, including equity, municipal and taxable fixed income trusts. Dynamic Wealth Management creates sector trusts of companies based on work of our global research analysts.
Managed Accounts
If you are looking for the advantages that a professional money manager can offer, Dynamic Wealth Management provides a broad range of fee-based money management programs.
Fixed Income
Fixed Income
Looking to add a fixed income component to your portfolio? Dynamic Wealth Management can provide access to a broad selection of fixed income securities to choose from, including CDs, deposit notes, corporate bonds and preferred securities. The results in diversified investments that seek to maximize total return while generating income and safeguarding your assets. Securities in your portfolio are monitored closely and sold when they fall below the strict requirements that you've set or no longer meet your investment needs. The process is designed to increase total returns while managing overall risk.
Trust Planning
Whether you are concerned about paying for your children's education, planning for your own retirement or exercising employee stock, you need a financial plan that works for you. Working together with your Financial Advisor, we can help you structure a plan designed to meet your circumstances and help you choose which investments are best suited to you and your plan. It is of paramount importance to properly structure and regularly review your estate plan to be sure it addresses your family's needs.
Trust Planning
Whether you are concerned about paying for your children's education, planning for your own retirement or exercising employee stock, you need a financial plan that works for you. Working together with your Financial Advisor, we can help you structure a plan designed to meet your circumstances and help you choose which investments are best suited to you and your plan. It is of paramount importance to properly structure and regularly review your estate plan to be sure it addresses your family's needs.
Dynamic Wealth Management Zurich: Retirement Planning
http://www.dynamicwmanagement.com/retirement.php
Nudged by the government and buffeted by the demographic reality of retirees often living into their 90's, corporations have been rapidly offloading the responsibility for retirement income to their employees. Fortunately, many different financial vehicles now exist to help investors meet their own retirement needs. New products seem to emerge each month; some are marketing gimmicks while others may be valuable financial tools.
At DWM, we have adopted a process that relies heavily on client input and participation in all phases of the retirement planning process. Although it is a systematic approach, it is also tailored to each client's requirements. Through a series of planned steps, we work with each client to define major life goals, prioritize them and test them under various market scenarios. We then build to a recommendation based upon ideal vs. acceptable goals and risk tolerance. Many retirement programs stop here. Ours continues to full implementation of the plan and periodic monitoring of its progress. Finally, we stay mindful of new goals or priorities that may cause alterations of the original program.
We believe that retirement planning must be an ongoing process, not a glossy report that sits on a bookshelf. Only in this way can we provide the best likelihood of providing a retirement that is as free as possible from needless financial concerns.
Nudged by the government and buffeted by the demographic reality of retirees often living into their 90's, corporations have been rapidly offloading the responsibility for retirement income to their employees. Fortunately, many different financial vehicles now exist to help investors meet their own retirement needs. New products seem to emerge each month; some are marketing gimmicks while others may be valuable financial tools.
At DWM, we have adopted a process that relies heavily on client input and participation in all phases of the retirement planning process. Although it is a systematic approach, it is also tailored to each client's requirements. Through a series of planned steps, we work with each client to define major life goals, prioritize them and test them under various market scenarios. We then build to a recommendation based upon ideal vs. acceptable goals and risk tolerance. Many retirement programs stop here. Ours continues to full implementation of the plan and periodic monitoring of its progress. Finally, we stay mindful of new goals or priorities that may cause alterations of the original program.
We believe that retirement planning must be an ongoing process, not a glossy report that sits on a bookshelf. Only in this way can we provide the best likelihood of providing a retirement that is as free as possible from needless financial concerns.
Dynamic Wealth Management Zurich: Research and Analysis
http://www.dynamicwmanagement.com/reaserch-analysis.php
At the Dynamic Wealth Management, we realize that no two clients are the same. Every client has different financial needs, goals, and plans. For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.
At the Dynamic Wealth Management, we realize that no two clients are the same. Every client has different financial needs, goals, and plans. For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.
Dynamic Wealth Management Headlines:Financial News: Brand Burglars Target Top Asset Management Firms
http://dynamicwealth-management.com/?p=1
Fraudsters have been stealing the identity of some of the UK’s best-known asset managers to stage an elaborate internet scam.
So far Aberdeen Asset Management, Schroders and Henderson Global Investors have discovered that bogus organisations claiming to be them have been soliciting for money.
Aberdeen has been moved to paste an announcement on its home page, warning
Fraudsters have been stealing the identity of some of the UK’s best-known asset managers to stage an elaborate internet scam.
So far Aberdeen Asset Management, Schroders and Henderson Global Investors have discovered that bogus organisations claiming to be them have been soliciting for money.
Aberdeen has been moved to paste an announcement on its home page, warning
tirsdag 3. mai 2011
Dynamic Lifecycle Strategies for Target Date Retirement Funds
Target date retirement funds use conventional life-cycle investing, whereby asset allocation shifts from equities to bonds and cash in predetermined steps as the target retirement date nears. The authors compare the conventional life-cycle strategy with a dynamic life-cycle strategy, which takes achieved investment returns into account and allows assets to be shifted back to equities if unde…
http://www.cfainstitute.org/learning/products/publications/dig/Pages/dig.v41.n2.27.aspx?WPID=Topic_List_Tabbed&PageName=All
http://www.cfainstitute.org/learning/products/publications/dig/Pages/dig.v41.n2.27.aspx?WPID=Topic_List_Tabbed&PageName=All
Dynamic Wealth
Successful management of an investment portfolio in today’s dynamic economic and political environment demands constant supervision, accurate information and specialist knowledge.
Individuals do not have the time, expertise or resources to keep pace with investment opportunities. They can easily be overwhelmed by the range of options and choices.
To maximise Investment opportunities, Dynamic Wealth:
- provides services through a network of independent financial consultants and auditors
- offers unbiased advice free of any conflict of interest
- is committed to service excellence
- ensures access to the global market through international representation and alliances
- insures investment funds against losses arising from theft, fraud or gross negligence.
Investment Approach
Dynamic Wealth brings a unique business philosophy to the financial services industry. It serves as a knowledge, expertise and people business.
This three-pillared approach enables the company to assist a myriad of clients with wealth creation. Since its establishment in 1971, Dynamic Wealth has been committed to providing superior investment performance coupled to service excellence.
This approach balances on understanding the market and delivering on clients’ expectations. Dynamic Wealth has leveraged knowledge and experience into years of sustained growth and a steady expansion of its innovative and flexible products and services.
In harnessing the competencies of a dynamic team of investment professionals Dynamic Wealth is able to exploit investment opportunities using fundamental research, technical analysis and an in-depth understanding of macroeconomic and global market trends. While strong client relationships are backed by fast efficient service and communication, decisions are taken by the group’s skilled and experienced professionals.
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