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At least that is according to CompTIA, one of the world’s leading tech associations. Below, Jessie Dean of Oakmount Partners Ltd, an investment consultancy firm from the UK, discusses the complex tech-scape in the US.

True, San Francisco in California and the wider Silicon Valley area still provide the greatest number of vacancies and opportunities for Brits looking for career opportunities in the US, but it is North Carolina who CompTIA seems to think is serving expats with the best options. More specifically, the cities of Raleigh and Charlotte — both of which are part of the ‘Research Triangle Region’, an area known for its excellent tech and scholarly institutions.

Great plains instead of great beaches

California is the land of dreams. It’s everywhere, thanks to the success of Hollywood, in popular culture and imagination. Long stretches of golden coast; redwoods a thousand years old, and great cities packed with our favourite celebrities. North Carolina is different. If the average Brit was asked to conjure up images of North Carolina, it would probably represent something like a large red barn, isolated in an expanse of large overgrown agricultural fields.

So what is attracting the attention of CompTIA, and of British tech expats?

The shift back east is largely due to the quality of life that North Carolina can provide, and the greater disposable income that it provides.

True, San Francisco, Silicon Valley (that includes San Jose, Santa Clara, and Sunnyvale) still pay the best wages. The median salary for an IT worker in San Jose is over $122,000 per annum. But the cost of living in this area is a whopping 43 per cent higher than the national average.

The same IT worker might stand to make somewhere between $83,000 and $88,000 in the Research Triangle, but the cost of living in North Carolina is actually below the national US average — for now. What this means is, even with the pay cut, a job in North Carolina will land you more money in your pocket at the end of the month to spend on whatever you want.

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Big Tech and finance investment is soaring in North Carolina

The shift to North Carolina isn’t all about walking away with more money. Big Tech itself is investing in new areas, including IBM, Cisco Systems and even possible Amazon and Apple. There is also an increasing number of companies who are expanding their operations into North Carolina from the finance and consultancy sector. Including a number of big and increasingly digitised firms such as Wells Fargo, Accenture and Bank of America. The allure comes from tax breaks and other regional benefits — such as the wealth of talented students from the increasingly influential universities: powerhouses such as UNC Chapel Hill and Duke University. North Carolina is also a grand place to acquire local cost-conscious start-ups.

Is California’s time in the sun at an end?

San Francisco is one of the most expensive cities in the world. Living space is extremely limited — with the City located on a small peninsula out into San Francisco Bay. The local government won’t even build upwards, in the form of skyscrapers, as they do not want the views to be spoiled by the City’s less lofty residents. It is becoming hard to ignore that many of the positive factors about living in California — the weather, the good colleges — are now counting against it.

Then there is also the massive problem of homelessness. In some of the City’s poorer boroughs, such as Tenderloin, huge gangs of homeless openly inject with needles in broad daylight; take hallucinogens, and make some roads impassable at night. All of these factors, above and more may account for the fact that, according to CompTIA, more residents left San Francisco than any other city in the last quarter of 2017.

The current shift of power also has echoes in the not-too-distant past of America’s history. Boston was once a the ‘traditional tech centre’, and is now the 17th most desirable destination for tech expats, despite the City being within the commuter belt of Harvard, MIT, and other world-famous and prestigious institutions. A typical salary in tech for a Boston employee is a much lower $94,000 than in Silicon Valley, but the costs of living are still 35 per cent above the national average. Other ghosts of the past include Washington DC and Baltimore.

Though it is worth remembering that San Francisco still has plenty of vacancies for engineers willing to pay the high costs of living. So California’s role to play in tech is far from over. The balance will not shift overnight, and it was always inevitable that some other location would come to challenge it in time. For now, it is still wise for British expats to heed the old advice, to “Go west, young man”. Just not as far west as was typically expected.

Artificial intelligence (AI), Big Data, and Cloud are no longer just buzzwords as enterprises globally are embracing all types of next-gen technology to drive significant business transformations. Blockchain, a more recent addition to the roster, fits within the same technology bracket and is poised to become a major disruptive force across all industries. However, despite emerging applications across supply-chain logistics, healthcare and FinTech that are promising ‘game-changing’ solutions leveraging the technology, to date, very few companies have been able to tap into the complete potential of blockchain.

The Growth of FinTech

Thanks to the rapid global proliferation of the Internet and coming of age of tech-savvy millennials, the marriage of technology and financial institutions has expanded from simple credit card and ATM transactions to online money transfers and payments. In fact, the FinTech industry has already staked its claim in adapting emerging technologies such as wireless payments and AI-enabled chatbots.

Leveraging these next-gen technologies to complete traditional financial transactions, such as money transfers and loan applications has resulted in many consumers looking to deal with FinTechs over traditional banks. Their ability to promptly, securely and successfully complete transactions have helped build customer trust over time. With the continued improvement in security and privacy measures backed by new technologies such as blockchain, the ‘trust quotient’ in the financial services industry is bound to rise manifold. Looking ahead, 77% of financial institutions are expected to adopt blockchain by 2020, according to PwC’s 2017 Global FinTech Report.

What is Blockchain?

Oftentimes incorrectly used interchangeably with the term Bitcoin, blockchain is actually a distributed ledger that is capable of maintaining an ever-growing list of records. Although it resembles a spreadsheet like Excel, there are certain unique features that set blockchain apart from traditional databases:
• Decentralised: Blockchain promotes a decentralised system where data is distributed across several servers. Its lack of a single authority makes the system fair and more secure.
• Immutable: Blockchain is a tamper-free environment. It has immutable and irreversible records that do not permit changes once a ‘block’ is written. Only new records can be written.

These key benefits make blockchain a vital tool in building trust between businesses and customers, which is especially critical in the financial services industry, by providing access to accurate data from retail banking to investment banking to insurance.

How Blockchain Helps Build Trust

In the digital era, the rate at which consumers adopt next-gen technology is among the top growth metrics for the FinTech industry; however, FinTechs face big challenges in generating trust among consumers. This is where blockchain comes into the picture. In a complete shift from how traditional banks operate - where customers have little to no insights into their banks’ operations and processes, blockchain maintains its data in a centralised repository. This shifts the ‘power’ into the hands of the consumer, effectively cutting out intermediaries and ensuring complete transparency in all transactions.

Blockchain provides companies with access to a decentralised network where they can share information in a secure environment that guarantees unalterable data transfers and ensures an agreement of obligations from both parties when processing a transaction. In addition, it simplifies financial services, such as money transfers, loan applications, and mobile payments, something that every customer yearns for in terms of augmenting their overall experience.

Ensuring the accurate authentication and authorisation of every customer and transaction is another big challenge for FinTechs when it comes to establishing trust. Blockchain technology makes these functions, as well as identity management, a lot simpler and more convenient by enabling users to choose the mode of identity and with whom they want to share it while registering. The information is then stored on a secure decentralised network, with user-only access to alter it. This helps FinTech companies save on paperwork and data servers.

Blockchain Applications in FinTech

Cross-Border Payments

Cross-border money transfers can be expensive and slow due to complex procedures. Blockchain technology is able to simplify, speed up, and make cross-border payments less expensive. Peer-to-peer transactions cut out the ‘middlemen’, resulting in faster and less expensive transactions. In fact, blockchain also helps lower the remittance costs on the total transfer amount from about 20% to a mere 3%.

Smart Contracts

Smart Contracts are arguably one of the most promising applications of blockchain in the FinTech industry. They are nothing but computer programs developed to verify or enforce agreements. These contractual clauses are either partially or fully self-executing or self-enforcing. Smart Contracts using blockchain help in recording information on a shared ledger, making it an unquestionable digital proof, thus empowering everyone from regulators to individual artists and authors with strong security features, a lowered risk of internal hacking, and the prevention of plagiarism of work by intermediaries.

Share Trading

Share trading involves several third parties, such as brokers and the stock exchange. This makes the clearing and settlement process time-consuming and cumbersome with multiple stages and bureaucracy to navigate that can take up to three working days to complete. The decentralised nature of blockchain technology, however, helps remove the unnecessary intermediaries and optimise the whole lifecycle of the trade by enhancing trade accuracy, speeding up the settlement process, and reducing risks.

Trade Financing

Trade financing – financial activities related to commerce and international trade – involves lots of tedious paperwork and bureaucracy, making the process highly time-consuming and risky. Blockchain-based trade financing helps overcome these bottlenecks, streamlining the process. It eliminates the need for participants to maintain a personal database of documents as well as the risk of an error in one document being duplicated to its copies by creating a single digital document that contains all the necessary information. Blockchain also supports real-time updating of the document, which ensures all members have access to the most up-to-date information at all times.

Happily Ever After: FinTechs and Blockchain

In today’s increasingly digitised world, there is a growing need for a bridge between new technologies and financial institutions in order for the industry to meet the demands of consumers who want a convenient yet safe and secure way to complete their financial transactions. Blockchain has the ability to build that bridge and FinTechs leveraging this new technology will reap the rewards of an exponentially increasing customer base.

With the support of a trusted service delivery partner with experienced customer service agents who can knowledgeably address questions and concerns about blockchain, these new FinTech kids on the financial block are poised to take on traditional banks.

 

About Neeraj Sabharwal
Neeraj Sabharwal, Director of Cloud and Big Data Solutions at Xavient Digital - powered by TELUS International, has more than 15 years of experience in the next-gen technology industry, helping customers derive incremental value from their data. He is a true data enthusiast and enjoys writing his popular blog and regularly contributes to articles as a member of the Forbes Tech Council.

About Xavient Digital - powered by TELUS International
Xavient Digital is a US-based provider of digital IT solutions and software services, headquartered in California with offices throughout the United States and an international network of delivery centers. Xavient Digital leverages its global footprint to deploy the best talent, time to market and cost optimisation benefits for its customers. Xavient Digital’s corecompetencies are in digital transformation stacks and full lifecycle IT services across telecom, media, BFSI and consumer technology verticals.

Learn more at:

xavient.com
telusinternational.com

 

 

This month, Finance Monthly caught up with Aubrey Mills – a mother, Ms. California Woman of Achievement 2018 and a Business Development Leader at World Financial Group. Below, Aubrey tells us about her passion for educating families, individuals and businesses in ways to make money, save money, and stay out of debt. 

 

What does your daily work consist of and what do you believe you bring to your clients?

Most of my time is spent building relationships with clients and associates. I don’t want to just hire people and have them work for me; I want them to build careers and lives they are proud of. I want to get to know my clients so that I can best guide them on financial decisions. Learning how people work or what makes us think differently was important, not just so I could be a better saleswoman, but so I could better serve my clients. I studied Human Nature and Communication, so I could better understand people. I’m currently learning to better understand other cultures because I believe that everyone deserves the opportunity to be educated financially. I teach free classes to the community and I want to be as effective as possible.

 

What attracted you to the insurance field and what drives you to push further the boundaries of your work?

I never wanted to work in finance. I came from a low-middle income family and had always assumed that finance people were older men. I once heard a woman speak about finances and I remember two things about what she said: she was raised by a single mom (I’m a single mom) and how hard it was for her growing up that way, and the Rule of 72. It was one of those awakening moments. I didn’t want my children to feel deprived growing up. The Rule of 72, or compound interest, showed me how little I needed to save for retirement and my children’s college fund and how fast my debt was doubling. I have had friends whose spouses didn’t have life insurance and they suddenly passed away. I couldn’t stand to just sit by and continue to watch that happen. Money doesn’t bring a spouse back, but it allows the family to properly grieve.

 

You commonly work with military families; what challenges are presented for these clients, particularly in the insurance sphere, and how do you help them overcome these?

My biggest obstacle is conveying to them that the insurance they have will not necessarily remain the same when they exit the military. Most of our service members are young and they get a basic ‘money talk’ when they enter, but this is not sufficient. I believe strongly in doing whatever we can for our service members, not just to equip them for keeping us safe and free, but to have a rich and full life after they leave the military. I don’t feel like we are doing enough - not even close. Many of our service members join right out of high school and they now have an income they didn’t have before, so of course they want to spend it. I know when I was aged 18-20, all I did was work, so I can then shop. But this wouldn’t have been the case if I had known what I know now, 13 years later.

Education and getting young people to see the value in saving are two of the most important things I can provide them with.

 

What have been some of the most difficult issues you have dealt with alongside clients?

Anytime I have an older client with multiple investments, it gets tricky. They have a fear of losing money and a fear of change. Even if they aren’t in guaranteed accounts, they have a hard time switching. That’s where the friendship and rapport that was built comes in. You really must know who they are and how they communicate. You want to build trust, so you can have those hard conversations.

 

As a thought leader in this field, what would you say must change to ensure a fair and just future for your clients when it comes to insurance?

First of all - be you. Whatever that means. People like you need help from you. When I first started in the industry, I thought I had to fit a mold. It wasn’t until I allowed myself to be unapologetically me that things changed. I love to laugh. I use humour to ease tension and those hard conversations. I’m a bit goofy and I’ve learned that it makes it easier to help others learn as opposed to being uptight and rigid. So just be you.

Secondly - integrity, 100% of the time. I see people come into the industry and they get so blinded by the amount of income you can make, and they chase it. The business that pays is the business that stays. You can’t keep clients and agents if you don’t have integrity and heart.

 

Website: http://www.worldfinancialgroup.com

For an insight into retirement planning in California, this month we reached out to Zachary W. Herzog - Managing Member and Investment Adviser Representative of Wolfgang Capital LLC. In his role, Zachary is in charge of designing and implementing customized financial plans for the company’s clients - tailored to their goals, concerns and what’s important to them now and in the future. Wolfgang Capital’s team looks at all aspects of financial planning including Risk Assessment, Assets Allocation, Income planning, Wealth Maximization, Health Care Planning, Legacy Planning and Tax Strategies to create their comprehensive financial plan. Here Zachary tells us more about it.

 

What are the typical challenges that clients approach Wolfgang Capital with in relation to the management of their finance?

The majority of our clients want guidance on what to do - they don’t want to make wrong decisions when it comes to certain stages of their retirement. Social security, RMD, long-term care, retirement account management, income planning and tax strategies are most of the concerns that we come across. The biggest worry for our clients is whether they’ll run out of money at some point.

There are two phases in life when It comes to retirement planning - accumulation and income phase. A lot of individuals need help with their income phase of life and that’s what we do. The sequence of events risk isn’t something that’s talked about enough in our industry, so we try to protect our clients from the sequence of events risk when it comes to planning their income in retirement.

 

What are the most important aspects that need to be ironed out in order to achieve satisfactory result and a well-organized retirement plan for your clients?

We need to make sure to cover their income, asset allocation, risk assessment, asset maximization, health care, legacy and tax strategy planning, which is what our comprehensive financial plan does.
At Wolfgang Capital, we always make sure to understand our clients’ complete situation and goals before moving onto implementing solutions. We incorporate many different strategy assessments to really find out what their common concerns and goals are, so we can implement solutions that really accomplish their desires. Our team spends a lot of time on our clients’ cases at the beginning and on an ongoing basis. It’s important to us that our potential clients are serious about planning their retirement and unfortunately, not everyone is a good fit for our firm. We only work with people that are serious and dedicated to having a sound financial plan in place.

 

How can your clients ensure that as much of their wealth goes to their family on their death?

Legacy planning is a big part of the overall financial plan, which is why we incorporate 3rd party estate attorneys and CPAs when needed to make sure that the overall financial plan is passing on to their loved ones when clients pass away. We incorporate IRA planning and tax advantaged strategies to help pass the assets on to their family in the correct manner.

 

Does Wolfgang Capital offer any solutions in respect of maintaining and growing wealth for future generations of the same family?

Yes, we have several different reports that show the power of stretching or generational skipping. We also look into tax advantage solutions to maximize wealth transfer upon someone passing away.

“Our motto is to treat our clients like family.”

Website: http://wolfgangc.com/
Phone: 951-200-5084
Fax: 951-200-5093
Email: info@wolfgangc.com

Fee-based financial planning and investment advisory services are offered by Wolfgang Capital LLC, a Registered Investment Advisor in the State of California. Insurance products and services are offered through Wolfgang Financial and Insurance Agency LLC. Wolfgang Capital LLC and Wolfgang Financial and Insurance Agency LLC are affiliated companies. Neither Wolfgang Financial and Insurance Agency LLC or Wolfgang Capital LLC provide legal or tax adviceYou should always consult an attorney or tax professional regarding your specific legal or tax situation. Wolfgang Capital LLC,Wolfgang Financial and Insurance Agency LLC and Zachary Herzog are not affiliated with or endorsed by the Social Security Administration.This content is for informational purposes only and should not be used to make any financial decisions.

Agave Partners is a cross-border investment bank specializing in the access to the Chinese market for innovative product companies in such domains as Semiconductors, Telecommunications, Data Centres, Artificial Intelligence, Robotics, Automotive and Avionics.

With offices in San Francisco, Beijing and Chicago, Agave Partners represent US and European companies interested in developing strategic partnerships in China for their commercial development and for restructuring their capital. The company realizes Corporate Financing and M&A transactions.  

Agave’s ability to source the right strategic partners in China is in their unique blend of banking and operational experiences allowing to align corporate strategies and structure transactions beyond the aptitude of traditional investment banks. Founder and Managing Director Robert Troy tells CEO Today more about it.

 

Could you tell us a bit about Agave Partners’ M&A practice?

Our M&A practice focuses on mid-market US and European innovative companies, to which we provide our expertise in identifying Chinese industrial groups able to acquire companies whose offering fits the domestic needs.

Our unique positioning in this practice comes from the combination of our effective presence in China with an office in Beijing dedicated to developing strategic relationships with large industrial and private equity groups, and our expertise in technologies at the core of capital-incentive domains that align with the strategic roadmap of these groups.

These are critical ingredients to maximize the outcome of a deal that is beneficial to both parties, while efficiently navigating through the multiple hurdles, be they administrative, financial, or cultural.

 

Can you detail a recent transaction that Agave Partners advised on? What were some of the issues that you were faced with?

Agave Partners Advisors was mandated by Kalray SA to source a strategic partner in China with interest in using Kalray technology in its application domain and interest in investing in the company.

We prospected industrial groups that we know to be innovation hungry in highly competitive segments of the Chinese market, including data centres, avionics and automotive; searching for a company which can get a strong strategic advantage at adopting Kalray technology for serving its clients.

Because Kalray technology is very advanced, we found various industrial groups in China, among the most sophisticated, curious about it and genuinely interested in discovering how this technology can be put into practice in their product lines; how it offers a discriminant competitive advantage in better serving their clients; and questioning how fast the market can adopt.

On the buyer’s side, we were confronted to the challenge of promoting a disruptive technology and navigating the full cycle of technology assessment in situations involving product designs and many other steps driving to the strategic decision. Our blend of technologists and bankers’ expertise happened to be of critical importance.

On the seller side, we enjoyed a high-level cooperation with an agile client, not short of commitments when extensive travels and endless negotiations were required to match interests, assess the risks, commit on future developments and overall demonstrate a willingness to engage in a powerful but controlled relationship. Our key contributions have of course been to assist in structuring a complex deal negotiated by parties which were not even speaking the same language and belonging to extremely different business cultures. Our multicultural team made of people used to work and deal in Europe, the US and Asia has certainly been the second key factor of success.

 

What do you think the next 12-24 months hold for the global M&A market?

Antagonist forces are shaping the global technology market. We see growing altogether (i) a renewed interest of corporations for technology innovations, (ii) a levelling of industrial capacities between continents, (iii) a global awareness of not-to-miss massive game-changer disruptions on their reach to maturity in a variety of application domains including but not limited to automotive, robotics, avionics or healthcare, (iv) the adoption by entrepreneurs and CEOs of worldwide reach as a new normal.  We also see necessary geopolitics considerations creating a growing level of uncertainties with high potential for delaying the trend toward a global reach.

This push-pull situation makes it extremely difficult to predict what the future might hold, but in the short term, we don’t see any possible inflexion of the growing M&A trend in the technology sector for a variety of reasons.

 

What are some of the current projects that Agave Partners is working on? What lies on the horizon for the firm in 2018?

Agave Partners is working for entrepreneurs and CEOs having a worldwide development strategy. As long as 2018 is concerned, we are primarily working at increasing our capacities to respond to a fast-growing deal flow of high quality companies which see China as their next frontier.

We also have the ambition to become an investor in our most promising clients. For this purpose, we recently signed an agreement with China Electronic Corporation Corporate Venture and their HDSC branch to launch a multi-corporate fund involving European and American electronic corporations as well. Agave Partners Funds is a work in progress with expectation to be launched in the spring of 2018.

 

Contact details:

Address: 4 Embarcadero Center, Suite 4000

San Francisco, CA 94111

Email: info@agaveph.com

Website: www.agaveph.com

 

 

For years, French wine was considered to be the best wine in the world, while its Californian equivalents were neglected outside of the US; until a high-profile blind tasting transformed the industry.

The year was 1976 and the city was Paris. Wine experts gathered for a blind tasting, now known as the Judgement of Paris, where, for the first time, Californian wines outranked French wines.

Industrialist Sir Peter Michael was a knowledgeable wine enthusiast, who was particularly fond of Californian wine. The Judgement of Paris, which he attended, inspired him to establish a vineyard on a rocky volcanic ridge in the Sonoma Valley, California in 1982. His vineyard in turn was later on the inspiration for the Vineyard Hotel in Berkshire, England. This “Californian wine temple”, holds over 30,000 bottles from around the world and more than 800 Californian wines, as well as a special collection from Sir Peter’s own vineyard.

 Among the hotel’s 49 lavishly decorated suites and rooms, all named after wines, the feel is all about refined modern luxury. Stylish fabrics, contemporary designs, views of the garden, and huge marble bathrooms – the rooms are sleek, well-designed and very elegant. The spa in the Relais & Chateaux hotel is also oenophile-oriented, boasting grape-themed treatments combined with a heated pool and a Jacuzzi in a smoothly sumptuous room flooded with natural light.

However, as lovely as the décor and facilities are, the true charm of The Vineyard Hotel lies in the wining and dining experience that its 3 AA Rosette restaurant offers. My partner and I were very excited about trying all the different wines, but the food made it very difficult to focus solely on admiring them. Put simply, every dish was out of this world!

We began our gastronomic experience with a glass of sparkling wine in the garden, making the most of the fact that the British weather was kind to us, and were then taken to our private corner of a softly lit dining room.

We opted for the five-course Discovery tasting menu, and since I’m pescatarian, the restaurant manager thoughtfully proposed a few vegetarian alternatives to replace the meat courses in the menu. And they did not disappoint - I never thought that I’d enjoy a broccoli-based dish as much as I did in The Vineyard Hotel’s restaurant.

But for us, the most impressive dish of the night was the lobster ravioli starter which came in impossibly flavoursome, yet very delicate lobster bisque. Another highlight of the night was the cooked-to-perfection halibut and mussels dish, which was a vibrant celebration of sea food.

Although the food nearly stole the show, our dining experience in The Vineyard was naturally enhanced by the plethora of matching wines that came with each course. Every glass brought by the sommelier was accompanied by a tiny paper ring revealing the provenance of the wine, and complemented each course perfectly.  A personal favourite was the Californian Mandolin Riesling that features fresh peach and apricot notes, framed by firm acidity.

The following morning, we were taken on a tour around the hotel’s wine cellars and vaults where we got to learn more about the different wines, the Judgement of Paris, as well as Sir Peter Michael’s vineyard and love for Californian wine.

I’ve always dreamt of visiting the Wine Country in California where I can spend a few days filled with wine tours and tastings, and learning about the science and magic of wine-making. After a visit at the Vineyard Hotel in Berkshire, I feel like I’m one step closer to this dream.

 

Website: http://www.the-vineyard.co.uk/

Uber has recently received a permit from the California Department of Motor Vehicles to test its robot cars in the state and Consumer Watchdog warned that the cars should not carry passengers while still being tested.

"When Uber illegally deployed its robot cars in San Francisco last year, the vehicles were observed driving through red lights," said John M. Simpson Consumer Watchdog's Privacy Project Director. "Uber's technology simply isn't safe enough to put passengers at risk."

Under California law companies testing self-driving cars with a permit in the state must file reports of any crashes and annual "disengagement reports" describing when the robot technology failed and a human operator had to intervene.  Both reports are posted on the DMV's website.

"Now that Uber has permits to test, the company's activities must be closely monitored by police," Simpson said. "What is clear is that Uber must not use passengers as human guinea pigs as part of a publicity stunt."

Consumer Watchdog asked people in San Francisco to watch out for traffic violations and safety threats by Uber's test vehicles. "If you see something, say something," Simpson said.  Send reports to: UberSF@consumerwatchdog.org.

(Source: Consumer Watchdog)

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