The document summarizes notes from the AltFi Berlin Summit 2019 exploring scaling up European fintech. Key discussions included how open banking can become an industry standard connecting customers to specialized products, the challenges of alternative lending in Germany including a slower regulatory environment and lack of data access compared to the UK, and insights from Klarna on being Europe's most valuable fintech with a $5.5 billion valuation through focusing on the customer experience. Regulators need to keep up with digital finance innovation was also discussed.
The quarterly report summarizes key developments in Q3 2019, including that IDEX added 33 new token listings and remained the top decentralized exchange on Ethereum. Regulators continued evaluating cryptocurrency regulation approaches. Popular topics of discussion included IRS cryptocurrency tax notices, decentralized autonomous organizations, and stablecoins. The report encourages readers to consider trading on IDEX or watching market trends.
The document provides information about Global Advisors' Bitcoin investment program (GABI). It summarizes GABI's strategy, team, and performance. Global Advisors believes Bitcoin is an innovative, uncorrelated asset that could change money and is applying its experience in commodities trading to manage risks and outperform benchmarks with its Bitcoin investment strategy. The program aims to provide exposure to Bitcoin price movements while managing inherent risks of a new asset class.
At CoinShares, we believe it's critical to define, analyze, and disseminate data to tell the story of why this industry matters and how it might impact industries, markets, and the broader world.
As investors, we take this one step further and use this data, our insights, and our expertise to identify who, where, and when this change might happen.
This report describes the macro environment, trends, and companies that are driving the space, and provides an outlook for the broader crypto ecosystem.
One Surprisingly Effective Way To HttpsEssaysrescue.ComToya Shamberger
The Gerald Gault case involved a 15-year-old boy who was committed to a training school for making lewd phone calls without due process. The Supreme Court ruled that juveniles must be afforded proper notice of the issues, right to counsel, right to confrontation of witnesses, and right against self-incrimination in juvenile proceedings. This established procedural safeguards for juveniles that were previously not required in the Arizona juvenile justice system.
Globalscope final presentation --row nasdaq ipo 10-8-15Howard Sterling
An international healthcare company is doing an IPO on the Nasdaq stock exchange. There are two types of companies that can do an IPO: high growth companies and established companies in industries like healthcare that have leadership positions, substantial size, intellectual property, and above-average industry growth. Companies pursue IPOs to raise money for growth, provide liquidity to owners, and for marketing purposes. Successfully completing an IPO requires extensive preparation and relationship building over 18 months or more.
Grow VC is an online platform that connects startups, investors, and the global startup ecosystem. It aims to make startup funding more effective, transparent, and open to ordinary investors. The platform allows anyone to invest in startups, not just accredited investors. It also enables "work investments" where people can invest their time instead of just money. Grow VC's vision is for its platform to become the next global online hub that drives startup innovation worldwide in a more democratic and collaborative way.
Grow VC & The Soho Loft - Crowdfunding and Capital CreationGrow VC Group
The Soho Loft, TSL, is organizing a capital market and crowdfunding conference in Los Angeles on March 13 and 14. In this remarkable moment in history, the U.S. regulatory environment, its capital markets and the innovation that drives those markets are simultaneously on the threshold of dramatic change.
Grow VC is participating in the event panel, and Grow VC’s Co-founder Jouko Ahvenainen is speaking in the event. His presentation “Models and approach to building the new sustainable finance sector” illustrates new models for developing the finance and funding markets, and make them more effective, transparent and democratic.
The document summarizes notes from the AltFi Berlin Summit 2019 exploring scaling up European fintech. Key discussions included how open banking can become an industry standard connecting customers to specialized products, the challenges of alternative lending in Germany including a slower regulatory environment and lack of data access compared to the UK, and insights from Klarna on being Europe's most valuable fintech with a $5.5 billion valuation through focusing on the customer experience. Regulators need to keep up with digital finance innovation was also discussed.
The quarterly report summarizes key developments in Q3 2019, including that IDEX added 33 new token listings and remained the top decentralized exchange on Ethereum. Regulators continued evaluating cryptocurrency regulation approaches. Popular topics of discussion included IRS cryptocurrency tax notices, decentralized autonomous organizations, and stablecoins. The report encourages readers to consider trading on IDEX or watching market trends.
The document provides information about Global Advisors' Bitcoin investment program (GABI). It summarizes GABI's strategy, team, and performance. Global Advisors believes Bitcoin is an innovative, uncorrelated asset that could change money and is applying its experience in commodities trading to manage risks and outperform benchmarks with its Bitcoin investment strategy. The program aims to provide exposure to Bitcoin price movements while managing inherent risks of a new asset class.
At CoinShares, we believe it's critical to define, analyze, and disseminate data to tell the story of why this industry matters and how it might impact industries, markets, and the broader world.
As investors, we take this one step further and use this data, our insights, and our expertise to identify who, where, and when this change might happen.
This report describes the macro environment, trends, and companies that are driving the space, and provides an outlook for the broader crypto ecosystem.
One Surprisingly Effective Way To HttpsEssaysrescue.ComToya Shamberger
The Gerald Gault case involved a 15-year-old boy who was committed to a training school for making lewd phone calls without due process. The Supreme Court ruled that juveniles must be afforded proper notice of the issues, right to counsel, right to confrontation of witnesses, and right against self-incrimination in juvenile proceedings. This established procedural safeguards for juveniles that were previously not required in the Arizona juvenile justice system.
Globalscope final presentation --row nasdaq ipo 10-8-15Howard Sterling
An international healthcare company is doing an IPO on the Nasdaq stock exchange. There are two types of companies that can do an IPO: high growth companies and established companies in industries like healthcare that have leadership positions, substantial size, intellectual property, and above-average industry growth. Companies pursue IPOs to raise money for growth, provide liquidity to owners, and for marketing purposes. Successfully completing an IPO requires extensive preparation and relationship building over 18 months or more.
Grow VC is an online platform that connects startups, investors, and the global startup ecosystem. It aims to make startup funding more effective, transparent, and open to ordinary investors. The platform allows anyone to invest in startups, not just accredited investors. It also enables "work investments" where people can invest their time instead of just money. Grow VC's vision is for its platform to become the next global online hub that drives startup innovation worldwide in a more democratic and collaborative way.
Grow VC & The Soho Loft - Crowdfunding and Capital CreationGrow VC Group
The Soho Loft, TSL, is organizing a capital market and crowdfunding conference in Los Angeles on March 13 and 14. In this remarkable moment in history, the U.S. regulatory environment, its capital markets and the innovation that drives those markets are simultaneously on the threshold of dramatic change.
Grow VC is participating in the event panel, and Grow VC’s Co-founder Jouko Ahvenainen is speaking in the event. His presentation “Models and approach to building the new sustainable finance sector” illustrates new models for developing the finance and funding markets, and make them more effective, transparent and democratic.
The document discusses social investing as an emerging trend that combines social impact and financial returns. It provides examples of social investing approaches, including hybrid value chains that partner businesses with social sectors, and socially responsible investing in companies with social conscience. While microfinance has faced scandals, the sector continues to attract talent and promises growth as regulations are introduced. The future may see investment products like mutual funds to allow retail investors to participate in social investing.
Silicon Valley Startup Ecosystem
Boston Startup Ecosystem
How to Leverage the East Cost startup Ecosystem
East v. West
Boston’s Top Accelerators, Incubators, and Startup Programs
Artificial Intelligence in Boston – An Overview of Startups, Funding, and Trends
Spark Blockchain
Investment Key Agenda
Investor’s View of Startup KSF
Investor’s Tips for Startup Pitches
Investor’s View of Startup Valuation
Investor’s View of AI Investment
Investor’s View of Blockchain Investment
Boston AI & Blockchain Angel & VC Information
STO (Security Token Offering)
SEC STO Fund Raising Compliance
Launching A STO in the US
The current economic expansion has achieved 2 significant milestones. And what makes these milestones special is that when combined together, they create an economic paradox.
For starters, the current economic expansion has set the record as the longest period of continuous economic growth in US history.
While at the same time, it has also set the record as being the weakest period of continuous economic growth in US history.
This should raise questions as well as concerns.
The answer to the primary question is as follows: this economic expansion has been completely supported and enabled by unorthodox interest policies by global central banks. Zero % and negative % interest rates around the world has allowed economies to maintain positive, yet muted growth.
The concern with this economic experience is that the majority of this growth has been artificially created.
In this IceCap Global Outlook, we examine the invisible hand and why it is the key to understanding why economic growth is so weak, and better still - what happens next.
For the past 10 years, global central banks have created policies to artificially suppress interest rates to the lowest levels ever recorded.
Included in this strategy has been a deliberate strategy to create negative interest rates which have subsequently created an enormous financial bubble in global bond markets.
While this bubble and associated risks are known to a small section of global investors, Canada remains highly complacent to the risks involved and have demonstrated a lack of appreciation of how risks outside of Canada, can actually create financial stress within Canada.
This issue of the IceCap Global Outlook shares our view on Canadian Provincial Debt markets and why we believe it has a high probability of evolving into a significant liquidity event for Canadian investors.
Notes from AltFi Festival of Finance 2022 in LondonKristi Rohtsalu
AltFi Festival of Finance 2022 was a two-day in-person extravaganza exploring innovation in fintech, banking, and lending in the UK and across Europe. About 60 speakers and 300 attendees were present at the prestigious Park Plaza London Riverbank. These are my notes and takeaways from the event.
Here are the keywords:
Trust, ESG,
Cost of living crisis, Post-COVID, Supporting Ukraine & Ukrainian refugees
30+ banking licenses issued in UK over the last few years, huge investment rounds in FinTech
Payments, BNLP & BNLP 2.0, Challenger Credit Cards, Embedded Finance
Open Banking , Open Finance
High Net Worth Neobanking
Crypto & Web3, Metaverse
FinTech advice to the incumbent banks
Hybrid working and remote working
HR, international talent and four-day workweek
This document contains the full text of a presentation given by Nicole Hoo-Fatt to the Rotary Club of Downtown Kingston on sustainable development challenges facing small island developing states (SIDS). The presentation defines SIDS and sustainable development, noting the new challenges facing developing countries around issues like energy security, climate change, and technology access. It argues that international perceptions of SIDS often overlook the serious economic vulnerabilities they face. While SIDS have made progress in influencing international organizations to consider their needs, more work remains to be done to address challenges like debt relief and promote new opportunities in areas like financial services, training, and retirement communities.
The document discusses the growth of stock exchanges around the world over the past few decades. It notes that in 1988 stock exchanges existed in 63 countries, but by 2005 that number had grown to 145 countries, representing 92% of the global population and 99% of global GDP. This growth has created opportunities for exchange operators to expand into new markets and for investors to diversify internationally. However, many of the newer exchanges are still immature with limited trading and foreign investment. As these markets continue developing, they have the potential to increase global liquidity and wealth.
This document provides commentary on investments for the month of March 2020. It discusses the significant market decline in the first quarter of 2020 due to the COVID-19 pandemic. The commentary describes changes made to the portfolio including increasing allocations to healthcare, communication services, utilities, technology, and energy, while decreasing allocations to industrials and financials. It emphasizes maintaining a focus on capital protection, valuation, and risk/reward over the long term through adhering to the investment process.
This document provides an introduction and overview of the "Ultimate Guide to Bitcoin". It explains that bitcoin is a quickly evolving subject that requires expertise from various fields to fully understand. The guide aims to educate people about bitcoin by compiling contributions from experts. It establishes that bitcoin is a new form of money that is controlled through mutual agreement rather than by governments. The guide also clarifies that bitcoin transactions are unlike credit card transactions as they transfer the actual currency rather than a representation of it.
This document summarizes a panel discussion on the role of reporting in transitioning to a sustainable economy. The panel consisted of experts from accounting, business, and ethics organizations.
The discussion focused on the progress made by the integrated reporting movement in engaging companies, investors, and other stakeholders. However, more needs to be done to engage political leaders and demonstrate how sustainability reporting relates to financial stability and long-term economic growth. Adopting global reporting standards will require political will from international groups like the G20.
The panel suggested developing a narrative around how short-termism, valuation issues, and lack of long-term risk information contribute to market volatility. This could help integrated reporting gain priority at influential bodies like
The document discusses various topics related to global financial crises and stock markets including:
- Types of downturns that can occur in markets like subprime, midprime, and upperprime meltdowns
- Causes of the recent global economic downturn being linked to the American housing market crisis
- Barack Obama's potential impact on stock markets as the newly elected US President
- Strategies for investors during bull and bear markets such as buying early in bull markets and securing assets in bonds/money markets during bear markets
This document is a guide to understanding Bitcoin. It aims to educate people about Bitcoin by compiling expertise from various fields related to Bitcoin like computer science, investing, and economics. The guide is freely distributable and intends to dispel fear about Bitcoin by providing knowledgeable information from experts. It explains that Bitcoin is a decentralized digital currency that functions as a medium of exchange through agreement between users, unlike government-issued fiat currencies. The guide covers topics like how Bitcoin works technologically, how to purchase and secure Bitcoin, and the investment potential and risks of Bitcoin. It aims to help people understand Bitcoin without fear or uncertainty.
1) The document provides an introduction and overview of investing basics from the perspective of an experienced portfolio manager.
2) It discusses how technological advances over the past few decades have greatly increased access to investing for ordinary individuals by reducing trading costs and providing free access to company information.
3) The individual investor now has many low-cost options available like discounted brokerages, lower trading fees, and free access to company financial filings and news online.
Years ago, the seeds were sown.
Governments began an untenable trend of consistently spending more money than they collected in taxes. The difference of course, was made up by borrowing. As the years and deficits rolled along, so too did the amount of money owing. Governments responded by borrowing even more.
Meanwhile, global economies inevitably experienced varying crises. Governments and central banks always responded the same way - even more spending (and borrowing), and lower interest rates to stimulate growth.
Today, we've reached a dead-end.
Governments continue to borrow, but only because interest rates have been reduced to 0% AND because they are borrowing from themselves by printing money.
This dead-end is also compounded by a slowing global economy caused by the reluctance of private investors to spend.
In this issue of the IceCap Global Outlook, we prepare investors for a collision between:
a slowing economy,
0% and negative% interest rates,
an unsustainable debt binge.
What happens next hasn't occurred before in our lifetime - and this is why many investors will be blindsided.
Grow VC Group presentation in University of Oxford, Forum Oxford, on November 23, 2012. The presentation covers issues and new solutions for private company funding from seed phase to IPO, including crowdfunding and new solutions based on JOBS Act and open market places.
South of San Francisco lies a small stretch of the famous California Highway 1 notoriously known by locals as The Devil's Slide.
The stunning view along this road is supported by a weak and steep foundation of loose rock, and porous soil that has been increasingly eroding away over the years sweeping cars, pavement and lives into the sea below.
Naturally, rock slides from the erosion reached a point where the road has been deemed unsafe and closed. In the end, the Devil in the details was a weak foundation supported by illogical engineering.
Today, the Financial Devil has watched patiently, as the world’s central banks and political leaders built a financial debt and interest rate structure on a foundation consisting of theories, acronyms and worst of all – hope.
Since 1982, the financial world has enjoyed a thrilling ride – one zoomed around the world by 36 years of bailouts and declining long-term interest rates.
In this issue of the IceCap Global Outlook we help you see how a pattern of minor financial stresses will culminate into a major financial stress.
And more importantly, how to identify the opportunities that will be created as the majority of the industry continues to ignore the Financial Devil.
This document discusses regulators' concerns about initial coin offerings (ICOs) and potential regulatory responses. It notes that ICOs have raised $1.78 billion between 2014-2017 for blockchain initiatives, with 83% raised in 2017 alone. Regulators worry that without proper oversight, ICOs could enable fraud and risky investing behavior. However, banning ICOs may not be the best solution. Potential regulatory responses include requiring funds to be held in escrow until milestones are met, enabling trading of tokens for liquidity, and increasing transparency of those conducting ICOs. Overall, regulators must find a disruptive solution to address the disruptive nature of ICO fundraising.
The document discusses and compares two capital structures:
1. Capital Structure #1 from 1969 resembles a hedge fund but was a public company. It had $210 million in assets and $70 million in net worth. While previously achieving 30% annual returns, matching that over 40 years would yield unrealistic gains.
2. An alternative structure is proposed - an actively traded long/short equity partnership guaranteed to return 12% annually for 40 years, net of fees and taxes as a partnership.
3. A third option presented is an S&P 500 index fund with a guaranteed 9.3% annual return over 40 years, the actual historical result. The document asks which structure one would choose with $1 million to
14NTC - Ed Schipul: Online Fundraising Strategies to Take Advantage of Your D...Ed Schipul
Does your organization have one or two big events that drive online fundraising for the entire year? Or do you have more of a steady flow year-round? Join Ed Schipul as he discusses marketing strategies for driving online fundraising to make the most of your donor events – including content messaging, timing, location and translating analytics into action to increase donations!
2014 Trends in Association Online MarketingEd Schipul
What's next for Association and Nonprofit Communication Technology? Join Ed Schipul, CEO of Tendenci, a Houston web marketing agency whose focus is Nonprofits and Associations, as he talks online marketing trends for 2014. Ed will discuss best practices and tools for making the most of trends in Mobile, Social Media, Search Engine Marketing, Content Strategy, Online Advertising, Membership Recruitment, Analytics, and more. He'll also share lots of real-world examples and benchmarks from Schipul's client base.
The document discusses social investing as an emerging trend that combines social impact and financial returns. It provides examples of social investing approaches, including hybrid value chains that partner businesses with social sectors, and socially responsible investing in companies with social conscience. While microfinance has faced scandals, the sector continues to attract talent and promises growth as regulations are introduced. The future may see investment products like mutual funds to allow retail investors to participate in social investing.
Silicon Valley Startup Ecosystem
Boston Startup Ecosystem
How to Leverage the East Cost startup Ecosystem
East v. West
Boston’s Top Accelerators, Incubators, and Startup Programs
Artificial Intelligence in Boston – An Overview of Startups, Funding, and Trends
Spark Blockchain
Investment Key Agenda
Investor’s View of Startup KSF
Investor’s Tips for Startup Pitches
Investor’s View of Startup Valuation
Investor’s View of AI Investment
Investor’s View of Blockchain Investment
Boston AI & Blockchain Angel & VC Information
STO (Security Token Offering)
SEC STO Fund Raising Compliance
Launching A STO in the US
The current economic expansion has achieved 2 significant milestones. And what makes these milestones special is that when combined together, they create an economic paradox.
For starters, the current economic expansion has set the record as the longest period of continuous economic growth in US history.
While at the same time, it has also set the record as being the weakest period of continuous economic growth in US history.
This should raise questions as well as concerns.
The answer to the primary question is as follows: this economic expansion has been completely supported and enabled by unorthodox interest policies by global central banks. Zero % and negative % interest rates around the world has allowed economies to maintain positive, yet muted growth.
The concern with this economic experience is that the majority of this growth has been artificially created.
In this IceCap Global Outlook, we examine the invisible hand and why it is the key to understanding why economic growth is so weak, and better still - what happens next.
For the past 10 years, global central banks have created policies to artificially suppress interest rates to the lowest levels ever recorded.
Included in this strategy has been a deliberate strategy to create negative interest rates which have subsequently created an enormous financial bubble in global bond markets.
While this bubble and associated risks are known to a small section of global investors, Canada remains highly complacent to the risks involved and have demonstrated a lack of appreciation of how risks outside of Canada, can actually create financial stress within Canada.
This issue of the IceCap Global Outlook shares our view on Canadian Provincial Debt markets and why we believe it has a high probability of evolving into a significant liquidity event for Canadian investors.
Notes from AltFi Festival of Finance 2022 in LondonKristi Rohtsalu
AltFi Festival of Finance 2022 was a two-day in-person extravaganza exploring innovation in fintech, banking, and lending in the UK and across Europe. About 60 speakers and 300 attendees were present at the prestigious Park Plaza London Riverbank. These are my notes and takeaways from the event.
Here are the keywords:
Trust, ESG,
Cost of living crisis, Post-COVID, Supporting Ukraine & Ukrainian refugees
30+ banking licenses issued in UK over the last few years, huge investment rounds in FinTech
Payments, BNLP & BNLP 2.0, Challenger Credit Cards, Embedded Finance
Open Banking , Open Finance
High Net Worth Neobanking
Crypto & Web3, Metaverse
FinTech advice to the incumbent banks
Hybrid working and remote working
HR, international talent and four-day workweek
This document contains the full text of a presentation given by Nicole Hoo-Fatt to the Rotary Club of Downtown Kingston on sustainable development challenges facing small island developing states (SIDS). The presentation defines SIDS and sustainable development, noting the new challenges facing developing countries around issues like energy security, climate change, and technology access. It argues that international perceptions of SIDS often overlook the serious economic vulnerabilities they face. While SIDS have made progress in influencing international organizations to consider their needs, more work remains to be done to address challenges like debt relief and promote new opportunities in areas like financial services, training, and retirement communities.
The document discusses the growth of stock exchanges around the world over the past few decades. It notes that in 1988 stock exchanges existed in 63 countries, but by 2005 that number had grown to 145 countries, representing 92% of the global population and 99% of global GDP. This growth has created opportunities for exchange operators to expand into new markets and for investors to diversify internationally. However, many of the newer exchanges are still immature with limited trading and foreign investment. As these markets continue developing, they have the potential to increase global liquidity and wealth.
This document provides commentary on investments for the month of March 2020. It discusses the significant market decline in the first quarter of 2020 due to the COVID-19 pandemic. The commentary describes changes made to the portfolio including increasing allocations to healthcare, communication services, utilities, technology, and energy, while decreasing allocations to industrials and financials. It emphasizes maintaining a focus on capital protection, valuation, and risk/reward over the long term through adhering to the investment process.
This document provides an introduction and overview of the "Ultimate Guide to Bitcoin". It explains that bitcoin is a quickly evolving subject that requires expertise from various fields to fully understand. The guide aims to educate people about bitcoin by compiling contributions from experts. It establishes that bitcoin is a new form of money that is controlled through mutual agreement rather than by governments. The guide also clarifies that bitcoin transactions are unlike credit card transactions as they transfer the actual currency rather than a representation of it.
This document summarizes a panel discussion on the role of reporting in transitioning to a sustainable economy. The panel consisted of experts from accounting, business, and ethics organizations.
The discussion focused on the progress made by the integrated reporting movement in engaging companies, investors, and other stakeholders. However, more needs to be done to engage political leaders and demonstrate how sustainability reporting relates to financial stability and long-term economic growth. Adopting global reporting standards will require political will from international groups like the G20.
The panel suggested developing a narrative around how short-termism, valuation issues, and lack of long-term risk information contribute to market volatility. This could help integrated reporting gain priority at influential bodies like
The document discusses various topics related to global financial crises and stock markets including:
- Types of downturns that can occur in markets like subprime, midprime, and upperprime meltdowns
- Causes of the recent global economic downturn being linked to the American housing market crisis
- Barack Obama's potential impact on stock markets as the newly elected US President
- Strategies for investors during bull and bear markets such as buying early in bull markets and securing assets in bonds/money markets during bear markets
This document is a guide to understanding Bitcoin. It aims to educate people about Bitcoin by compiling expertise from various fields related to Bitcoin like computer science, investing, and economics. The guide is freely distributable and intends to dispel fear about Bitcoin by providing knowledgeable information from experts. It explains that Bitcoin is a decentralized digital currency that functions as a medium of exchange through agreement between users, unlike government-issued fiat currencies. The guide covers topics like how Bitcoin works technologically, how to purchase and secure Bitcoin, and the investment potential and risks of Bitcoin. It aims to help people understand Bitcoin without fear or uncertainty.
1) The document provides an introduction and overview of investing basics from the perspective of an experienced portfolio manager.
2) It discusses how technological advances over the past few decades have greatly increased access to investing for ordinary individuals by reducing trading costs and providing free access to company information.
3) The individual investor now has many low-cost options available like discounted brokerages, lower trading fees, and free access to company financial filings and news online.
Years ago, the seeds were sown.
Governments began an untenable trend of consistently spending more money than they collected in taxes. The difference of course, was made up by borrowing. As the years and deficits rolled along, so too did the amount of money owing. Governments responded by borrowing even more.
Meanwhile, global economies inevitably experienced varying crises. Governments and central banks always responded the same way - even more spending (and borrowing), and lower interest rates to stimulate growth.
Today, we've reached a dead-end.
Governments continue to borrow, but only because interest rates have been reduced to 0% AND because they are borrowing from themselves by printing money.
This dead-end is also compounded by a slowing global economy caused by the reluctance of private investors to spend.
In this issue of the IceCap Global Outlook, we prepare investors for a collision between:
a slowing economy,
0% and negative% interest rates,
an unsustainable debt binge.
What happens next hasn't occurred before in our lifetime - and this is why many investors will be blindsided.
Grow VC Group presentation in University of Oxford, Forum Oxford, on November 23, 2012. The presentation covers issues and new solutions for private company funding from seed phase to IPO, including crowdfunding and new solutions based on JOBS Act and open market places.
South of San Francisco lies a small stretch of the famous California Highway 1 notoriously known by locals as The Devil's Slide.
The stunning view along this road is supported by a weak and steep foundation of loose rock, and porous soil that has been increasingly eroding away over the years sweeping cars, pavement and lives into the sea below.
Naturally, rock slides from the erosion reached a point where the road has been deemed unsafe and closed. In the end, the Devil in the details was a weak foundation supported by illogical engineering.
Today, the Financial Devil has watched patiently, as the world’s central banks and political leaders built a financial debt and interest rate structure on a foundation consisting of theories, acronyms and worst of all – hope.
Since 1982, the financial world has enjoyed a thrilling ride – one zoomed around the world by 36 years of bailouts and declining long-term interest rates.
In this issue of the IceCap Global Outlook we help you see how a pattern of minor financial stresses will culminate into a major financial stress.
And more importantly, how to identify the opportunities that will be created as the majority of the industry continues to ignore the Financial Devil.
This document discusses regulators' concerns about initial coin offerings (ICOs) and potential regulatory responses. It notes that ICOs have raised $1.78 billion between 2014-2017 for blockchain initiatives, with 83% raised in 2017 alone. Regulators worry that without proper oversight, ICOs could enable fraud and risky investing behavior. However, banning ICOs may not be the best solution. Potential regulatory responses include requiring funds to be held in escrow until milestones are met, enabling trading of tokens for liquidity, and increasing transparency of those conducting ICOs. Overall, regulators must find a disruptive solution to address the disruptive nature of ICO fundraising.
The document discusses and compares two capital structures:
1. Capital Structure #1 from 1969 resembles a hedge fund but was a public company. It had $210 million in assets and $70 million in net worth. While previously achieving 30% annual returns, matching that over 40 years would yield unrealistic gains.
2. An alternative structure is proposed - an actively traded long/short equity partnership guaranteed to return 12% annually for 40 years, net of fees and taxes as a partnership.
3. A third option presented is an S&P 500 index fund with a guaranteed 9.3% annual return over 40 years, the actual historical result. The document asks which structure one would choose with $1 million to
14NTC - Ed Schipul: Online Fundraising Strategies to Take Advantage of Your D...Ed Schipul
Does your organization have one or two big events that drive online fundraising for the entire year? Or do you have more of a steady flow year-round? Join Ed Schipul as he discusses marketing strategies for driving online fundraising to make the most of your donor events – including content messaging, timing, location and translating analytics into action to increase donations!
2014 Trends in Association Online MarketingEd Schipul
What's next for Association and Nonprofit Communication Technology? Join Ed Schipul, CEO of Tendenci, a Houston web marketing agency whose focus is Nonprofits and Associations, as he talks online marketing trends for 2014. Ed will discuss best practices and tools for making the most of trends in Mobile, Social Media, Search Engine Marketing, Content Strategy, Online Advertising, Membership Recruitment, Analytics, and more. He'll also share lots of real-world examples and benchmarks from Schipul's client base.
Indiana Society of Association Executives Keynote July 23, 2014 Ed Schipul
The document discusses how to crowdsource content from members for an organization. It recommends making contributing content easy and fun for members by simplifying the process and enabling them to share content on their own terms. The document also stresses the importance of having fresh, engaging content like images and videos to drive traffic and encourages assigning roles and creating a content calendar to optimize and streamline the creation of member-generated content.
Giving away 6 million is harder than you think - SXSW V2V PresentationEd Schipul
SXSW V2V Presentation in Las Vegas 2014
http://schedule.sxswv2v.com/events/event_V2VP29570
After 15 years running a successful business, Ed Schipul released the source code for his proprietary software, Tendenci, to the world. Foreseeing the impact the cloud, mobile, and GIS, Ed knew he had to change his business model or become irrelevant. Open source was the path to future sustainability and innovation.
There were however, seemingly insurmountable challenges. Tendenci 5, the first open source CMS platform for nonprofit organizations, had to be completely rewritten from .Net, ASP and SQL to Python, Django and PostgreSQL. From Github to cloud software, he had to choose all the tools to put in place to support his rewritten product and new architecture.
See more at: http://schedule.sxswv2v.com/events/event_V2VP29570#sthash.SM08HnZT.dpuf
Microblogging:Telling a Story on a Dime, Ed Schipul to PRSA International Con...Ed Schipul
Ed Schipul discusses how to effectively use microblogging and social media. He notes that 70% of social media users only engage with 2-4 brands and that microblogging is a tactic, not a strategy. The presentation emphasizes creating social objects and finding your audience on platforms like blogs, Pinterest, Instagram and niche networks. It stresses keeping content visual and telling your story through conflict, characters and plot. The key takeaways are to meet audiences on their preferred platforms, tell compelling stories through content, and leverage visual elements.
WPO-EA Social Media for Executive AssistantsEd Schipul
The document discusses why executive assistants become CEOs and the challenges of being a CEO. It summarizes that CEOs are crazy and always right in their own minds, and that executive assistants become CEOs because they understand running a business, are always prepared, and genuinely care. The final summary sentence is that being a CEO is challenging as they must serve, teach, and coach others in the organization.
How the Mobile Web Will Change Communications - IABC Conference 2012Ed Schipul
Advertising has gone mobile, and these mobile channels are relatively inexpensive and can bring big returns. This presentation reviews the latest online marketing tools that consumers will increasingly access on the go. The session offers insights into the specific marketing applications of Foursquare, Gowalla, Yelp and TripAdvisor.
You will learn:
• How to effectively target consumers via their mobile phones.
• The specific uses of different marketing applications.
• How to tie all of your marketing efforts together for greater impact.
U of H Entrepreneurship Presentaion 2012Ed Schipul
This document provides an overview of web marketing strategies presented by Ed Schipul of Schipul - The Web Marketing Company. It discusses the differences between direct and image marketing and how web users tend to be introverted. It then covers 10 steps for online marketing success including grabbing attention with headlines, calls to action, and using testimonials. Other topics include the importance of content, search engine optimization, social media marketing on platforms like Facebook and Twitter, and emerging trends for 2012 like local listings and mobile optimization.
Photos of Houston's iconic restaurant Brennan's after being devastated by Hurricane Ike in 2008, during its renovation, and on the day of its very successful reopening on Fat Tuesday, February 2010!
This document is a slideshow presentation about personal branding in the digital era. It discusses how individuals can develop an online presence and brand to grow their name, reach, and potential for profit. It provides examples of successful personal brands and strategies for creating social media content and objects. It emphasizes researching your brand, developing a strategic plan, implementing your brand across platforms, and evaluating your brand's performance through analytics. The overall message is that personal brands can benefit both individuals and businesses if developed and executed strategically.
This presentation discusses the rise of personal brands in the digital era. It notes that personal brands are profitable for both individuals and businesses. The presentation outlines elements of personal brands, including story, creation, curation, distribution, monitoring, and terms of service. It emphasizes strategy and recommends businesses help promote the personal brands of employees and customers.
Travel Industry Meets Personal Brands - Threats and OpportunitiesEd Schipul
Personal Brands are here to stay - no matter how large your organization or firm is, you can be leveraging the power of Personal Branding within your organization.
Ed Schipul discusses actionable ways you can connect with your Community and target audience by promoting other brands - while shining the backlight on you and increasing profitability.
PRSA Georgia Personal Brand Era talk by Ed SchipulEd Schipul
This presentation discusses the rise of personal brands and how individuals can leverage their own personal brands for business purposes. It emphasizes creating an online presence and story around your personal brand, curating and distributing content to grow your network and impact, and developing a strategic plan to maximize connections and monitor your brand. Personal brands are profitable when individuals promote themselves on social media and generate business referrals or advertising revenue from their online footprint and followers. The key is treating your personal identity as a brand and telling others how to talk about you.
AAF Amarillo - Growing Your Agency From The Inside OutEd Schipul
The Personal Brand Era: Growing Your Agency From the Inside Out
With new technologies that enable individuals to create their own media enterprises, branding is going personal and many organizations are struggling to adapt. While personal brands can be disruptive to the status quo of many companies, they can create accidental spokespeople within an organization and contribute to profitability.
But what does this new branding landscape look like? How do you balance productivity and billable work with growing your reach and influence online as an army of one?
http://www.aafamarillo.org/the-personal-brand-era1
Mobile web presentation to American Advertising Federation of Ft. Worth (AAF FW) on February 17, 2010.
We discussed mobile trends for advertisers, opportunities to develop and utilize mobile applications and strategically grow your brand through the mobile web.
This document summarizes key concepts in web marketing and online business interactions. It discusses tapping into human motivation, using tools like blogs, videos and social media to engage audiences and build communities. Specific strategies covered include using hashtags, contests and embedding rich media. The importance of listening to audiences and tying online engagement to business goals is emphasized throughout.
Unitarian Universalists Social Media for YouthEd Schipul
A presentation to a youth retreat as a favor to a friend. We talked a LOT about leadership, personal branding, generational differences and how all of that relates to facebook and other social media sites.
RFP for Reno's Community Assistance CenterThis Is Reno
Property appraisals completed in May for downtown Reno’s Community Assistance and Triage Centers (CAC) reveal that repairing the buildings to bring them back into service would cost an estimated $10.1 million—nearly four times the amount previously reported by city staff.
This report explores the significance of border towns and spaces for strengthening responses to young people on the move. In particular it explores the linkages of young people to local service centres with the aim of further developing service, protection, and support strategies for migrant children in border areas across the region. The report is based on a small-scale fieldwork study in the border towns of Chipata and Katete in Zambia conducted in July 2023. Border towns and spaces provide a rich source of information about issues related to the informal or irregular movement of young people across borders, including smuggling and trafficking. They can help build a picture of the nature and scope of the type of movement young migrants undertake and also the forms of protection available to them. Border towns and spaces also provide a lens through which we can better understand the vulnerabilities of young people on the move and, critically, the strategies they use to navigate challenges and access support.
The findings in this report highlight some of the key factors shaping the experiences and vulnerabilities of young people on the move – particularly their proximity to border spaces and how this affects the risks that they face. The report describes strategies that young people on the move employ to remain below the radar of visibility to state and non-state actors due to fear of arrest, detention, and deportation while also trying to keep themselves safe and access support in border towns. These strategies of (in)visibility provide a way to protect themselves yet at the same time also heighten some of the risks young people face as their vulnerabilities are not always recognised by those who could offer support.
In this report we show that the realities and challenges of life and migration in this region and in Zambia need to be better understood for support to be strengthened and tuned to meet the specific needs of young people on the move. This includes understanding the role of state and non-state stakeholders, the impact of laws and policies and, critically, the experiences of the young people themselves. We provide recommendations for immediate action, recommendations for programming to support young people on the move in the two towns that would reduce risk for young people in this area, and recommendations for longer term policy advocacy.
Food safety, prepare for the unexpected - So what can be done in order to be ready to address food safety, food Consumers, food producers and manufacturers, food transporters, food businesses, food retailers can ...
Bharat Mata - History of Indian culture.pdfBharat Mata
Bharat Mata Channel is an initiative towards keeping the culture of this country alive. Our effort is to spread the knowledge of Indian history, culture, religion and Vedas to the masses.
AHMR is an interdisciplinary peer-reviewed online journal created to encourage and facilitate the study of all aspects (socio-economic, political, legislative and developmental) of Human Mobility in Africa. Through the publication of original research, policy discussions and evidence research papers AHMR provides a comprehensive forum devoted exclusively to the analysis of contemporaneous trends, migration patterns and some of the most important migration-related issues.
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
Combined Illegal, Unregulated and Unreported (IUU) Vessel List.Christina Parmionova
The best available, up-to-date information on all fishing and related vessels that appear on the illegal, unregulated, and unreported (IUU) fishing vessel lists published by Regional Fisheries Management Organisations (RFMOs) and related organisations. The aim of the site is to improve the effectiveness of the original IUU lists as a tool for a wide variety of stakeholders to better understand and combat illegal fishing and broader fisheries crime.
To date, the following regional organisations maintain or share lists of vessels that have been found to carry out or support IUU fishing within their own or adjacent convention areas and/or species of competence:
Commission for the Conservation of Antarctic Marine Living Resources (CCAMLR)
Commission for the Conservation of Southern Bluefin Tuna (CCSBT)
General Fisheries Commission for the Mediterranean (GFCM)
Inter-American Tropical Tuna Commission (IATTC)
International Commission for the Conservation of Atlantic Tunas (ICCAT)
Indian Ocean Tuna Commission (IOTC)
Northwest Atlantic Fisheries Organisation (NAFO)
North East Atlantic Fisheries Commission (NEAFC)
North Pacific Fisheries Commission (NPFC)
South East Atlantic Fisheries Organisation (SEAFO)
South Pacific Regional Fisheries Management Organisation (SPRFMO)
Southern Indian Ocean Fisheries Agreement (SIOFA)
Western and Central Pacific Fisheries Commission (WCPFC)
The Combined IUU Fishing Vessel List merges all these sources into one list that provides a single reference point to identify whether a vessel is currently IUU listed. Vessels that have been IUU listed in the past and subsequently delisted (for example because of a change in ownership, or because the vessel is no longer in service) are also retained on the site, so that the site contains a full historic record of IUU listed fishing vessels.
Unlike the IUU lists published on individual RFMO websites, which may update vessel details infrequently or not at all, the Combined IUU Fishing Vessel List is kept up to date with the best available information regarding changes to vessel identity, flag state, ownership, location, and operations.
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
A Guide to AI for Smarter Nonprofits - Dr. Cori Faklaris, UNC CharlotteCori Faklaris
Working with data is a challenge for many organizations. Nonprofits in particular may need to collect and analyze sensitive, incomplete, and/or biased historical data about people. In this talk, Dr. Cori Faklaris of UNC Charlotte provides an overview of current AI capabilities and weaknesses to consider when integrating current AI technologies into the data workflow. The talk is organized around three takeaways: (1) For better or sometimes worse, AI provides you with “infinite interns.” (2) Give people permission & guardrails to learn what works with these “interns” and what doesn’t. (3) Create a roadmap for adding in more AI to assist nonprofit work, along with strategies for bias mitigation.
Abiy Berehe - Texas Commission on Environmental Quality Updates
Cryptocurrency lacc-eschipul
1. 2019 LUXEMBOURG AMERICAN CHAMBER OF
COMMERCE
ED SCHIPUL, TENDENCI
CRYPTOCURRENCY - WHAT IT MEANS
FOR COMPANIES AND ASSOCIATIONS
INVOLVED IN INTERNATIONAL
COMMERCE
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
2. “IT IS NO COINCIDENCE THAT THE CENTURY OF TOTAL
WAR COINCIDED WITH THE CENTURY OF CENTRAL
BANKING.”
― RON PAUL, “END THE FED”
You have to finance wars
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
3. IT’S ALL ABOUT CONTROL
CENTRAL BANK VS CRYPTOCURRENCY
• Central Bank
• a national bank (or monetary
union)
• financial & banking services to
Gov
• runs commercial banking system
• enforces monetary policy
• issues currency, physical and
CBDC (CB Digital Currency)
• clearing agent
• lender of last resort
• Bitcoin cryptocurrency - 2008
• decentralized digital currency
• can be sent from user to user
on the peer-to-peer bitcoin
network
• no central bank
• no single administrator
• no need for intermediaries
• no enforcement of monetary
policies
https://en.wikipedia.org/wiki/Central_bank
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
4. (OBLIGATORY VENN DIAGRAM)
CENTRAL BANKS VS CRYPTOCURRENCY
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
5. WHAT IS CRYPTOCURRENCY IN PLAIN ENGLISH?
A. Crypto (unique)
B. Blockchain (quantum ledger)
C. Smart Contracts
A. Scarce object (camera, diamonds, etc…)
B. Clipboard to check things in/out (some have more paper)
C. Agreements (return it by Friday)
Think of it like borrowing from a friend and returning it. Keep it simple.
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
6. WHO MAKES (“MINTS”) CRYPTO?
• It varies (sorry)
• Regular people can “mine” PoW
• BTC (Bitcoin) comes from China
• Ethereum is from Russia/Canada
• Hackers love crypto. So do money launderers.
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
7. IS CRYPTO “MADE” OR “ISSUED”
• “Proof of Work” (PoW) Lots of compute + energy
• Analogy: a human calculating the next digit of pi
• “Proof of Stake” (PoS) Given out by the chosen few (like
the Fed)
• Analogy: Mom and Dad decide the amount of your allowance based on
some arbitrary methodology. Just like the Fed.
IMPORTANT: DO NOT PASS GO. READ THIS SLIDE AGAIN
PLEASE.
HINT: IT’S BOTH!
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
8. IS IT REALLY ANONYMOUS?
• It depends….
• PoW is mostly Anonymous
• PoS is not (typically) but may be effectively anonymous over time from a
jurisdiction standpoint.
• PoS and PoW BOTH bring the world of international banking to the people.
• Middlemen who provide no real value will be disrupted
• Big Take Away:
• You’d rather be “managing money” than “processing transactions”
IF YOU DON’T RECALL “POW” AND “POS” GO BACK 1 SLIDE
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
9. TETHERCOIN?
• Tethercoins are a “Proof of Stake” variation tied to a
currency or a “bucket” of currencies
• “Stable Coin” is similar to a tether coin with algo
stabilization
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
10. IS IT ACTUAL CURRENCY?
• Not really. More like an “Asset.”
• Binance is the Largest Exchange, HK to Malta
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
11. SECURITY OR COMMODITY?
• A commodity can become a security and vice versa -
Heath Tarbert, CFTC Chairman, Oct 22, 2019
OK, got it. Maybe. Huh? Lots of clarity on that one…
Source: https://finance.yahoo.com/news/cftc-chairman-commodity-become-security-205207896.html
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
12. BENEFITS/THREATS FOR NORMAL PEOPLE
• no fees that are legacy and don’t create real value (Schwab now has
free trades.)
• Anonymous (somewhat at least)
• Govt doesn’t know what’s really going on and mostly can’t tax it. No
VAT tax!
• International off-book transactions already exist.
• Taxation? Maybe, maybe not. Check with Al Capone.
• Enforcement of monetary policy? Check with the Cartels.
• REALITY CHECK: Does ANYONE actually believe Russia-Iran-and-China aren’t
doing business despite “international sanctions”? That.
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
13. LIBRA
• Zuckerberg proposed global currency
• Switzerland NGO (proposed)
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
14. FRAX
• Former Fed Nominee Stephen Moore to Launch a
Fractional Reserve-Backed Stablecoin Frax - Fortune
Magazine, Monday Oct 21, 2019
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
15. “SMART CONTRACT” EXAMPLES
• Elections - issue a token that expires?
• Auto adjust value (tethering is an example)?
• Adjust interest rate if securitized?
• MLM pay multiple people up the chain?
• Futures market for athletes and performers (fantasy
football for e-sports anyone? They’ve got the GPUs and
know tech somewhat)
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
16. THIS IS A SMART CONTRACT IN SOLIDITY BASED ON ETHEREUM
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
17. POSSIBLE OUTCOMES
END OF MONETARY POLICY AS AN ENFORCEMENT MECHANISM
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
19. “MONEY NEED HAVE NO INTRINSIC VALUE.”
― JOHN LAW
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
20. @eschipul @tendenci
Company: www.tendenci.com
Slideshare: www.slideshare.net/eschipul
Blog: www.eschipul.com
Twitter: www.twitter.com/eschipul
We just want to change the world as we know it. And we are.
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019
ED SCHIPUL
TENDENCI - THE OPEN SOURCE AMS
CEO/FOUNDER
21. INVESTMENT INQUIRIES WELCOME
Presentation to www.laccnyc.org by Ed Schipul, CEO, https://www.tendenci.com and https://www.eschipul.com
All opinions are that of the author and should NOT be used as investment advice. All Rights Reserved. Further this is a fast moving industry. This is specific, even in opinion, to 10/22/2019