|
Services *NEW*
Financial
Metrics (Protect Your Assets and Trade with Confidence.) Venture
Capital Angel
Investing Financial
Analysis Business
Financing Personal
Investing Asset
Allocation Personal
Finance Debt
Management Planning Tax
Planning
go back Financial
Metrics (Protect
Your Assets and Trade with Confidence.) Overview
Stock
exchanges and banks are playing a key role in the growth of Second Life's economy
impacting both businesses and investors. However,
exchanges and banks are unregulated and it is essential for shareholders
and investors to be protected of their assets. Investors need to know that
they would have funds in their accounts the following morning. A solution
would be to access risk and to diversify the investment portfolio. A systematic
problem distinguished in the Second Life economy regarding exchanges and
banks is the lack of independence of audit and investors not understanding
how to comprehend companies' financials. If you are a shareholder or investor,
would you like to protect your assets and trade with confidence? If you
are interested, then read on. Recent
Events
In
early August 2007, Ginko Financial, a virtual investment bank in Second Life,
declared bankruptcy and unable to repay approximately an estimated of $750K
USD to Second Life residents who had invested their funds with the bank
over the course of 3.5 years of existence.
In
early October 2007, Second Life's World Stock Exchange had been hacked and some
L$3.0 million was stolen. This effect caused bank runs inside the Second
Life economy as nervous residents and investors aggressively removed their
hard earned Linden dollars in the hopes of keeping their remaining funds
intact.
With
the astronomical growth of Second Life's economy and recent atrocious events
regarding
trading and banks, it calls for more oversight, cost transparency and accountability,
especially when it comes to business practices in the metaverse. iVentures
Group focuses on increasing profit potential through comprehensive investment
research and analysis while accessing associated risks. Risks:
Financial and Independence
The
most recognized stock exchanges include World Stock Exchange (WSE),
SL Capital Exchange (CAPEX, formerly AVIX), International Stock Exchange
(ISE), and Virtual Stock Exchange (VSTEX). There are currently no independent
companies that issue objective analyst reports for its shareholders
and investors. In reading certain issued analyst reports, these are subjective
views as opposed through objective views. This is essential for all shareholders
and investors to understand.
What
is the difference between a subjective view and an objective view? Everything!
For example, there is an investor who is a both a stock trader and an analyst
report issuer for Company X. In most cases, the issuer will lean more towards
issuing a Rating of, "Buy or Hold," as opposed to, "Sell,"
since the issuers have a financial interest invested in Company X. For
the analyst who is not a stock trader, the analyst is not concerned with the volatility
of the stock price of Company X since they do not have financial interest
in Company X.
Research
Project Idea (Survey Participant and Get Paid!)
iVentures
Group main goal is to ensure that shareholders and investors can protect
their assets while trading with confidence. iVentures Group is conducting research
amongst ALL Second Life stockholders and investors to provide us with:
Companies' Names, Ticker Symbols, Stock Exchange, and the category to research
of the companies they would like for us to provide Analyst Reports. These
reports will be independent research analysis based on the financial metrics
of the company reported.
Due
to the large volume of companies listed in all of the stock exchanges listed in
Second Life, iVentures Group will research based on demand of the stockholders
and investors recommendations. Higher amount of requests increases the
chances of the analyst reports being issued earlier. The time duration
of research conducted will be 1 month.
That's
right. Get Paid to fill out this survey for us! You can find out additional details
in iVentures
Volitant Profile in-world regarding the rules and payment amount. Pricing
iVentures
Group ensures that pricing will not be significant as our main goal is to ensure
our clients' interests in the financial services that we offer. Therefore,
each analyst report will be fixed at 1000$L. Once the time has elapsed
based on the demand of the analyst reports, shareholders and investors
will have the opportunity to state the categories they would like for us
to include as part of the analyst report, in addition to the categories that we
will be providing.
go back Venture
Capital
Venture Capital is long term equity capital invested in new or rapidly expanding
enterprises.
The capital is typically provided by outside investors for financing
of new, growing or
struggling businesses. Venture capital investments are generally high risk investments,
but offer
the potential for above average returns and/or a percentage of ownership of the
company. A
venture capitalist (VC) is a person who makes such investments. Venture
capital professionals are essentially managers of risk. We will assess hundreds
of business
plans, invest in the most promising ventures, before actively involved as strategic
managers.
To diversify the risk associated with venture investing, we invest in several
different ventures
and work in cooperation with other firms. We invest in young, rapidly growing
or rapidly
changing companies. We invest in large quantities of long-term risk capital, usually
seeking
capital appreciation rather than cash repayment. We will provide an important
source of
expertise for the emerging companies we finance. We have a broad range of investment
and financial
services representatives to help new businesses succeed.
go back Angel
Investing
An
angel investor is an affluent individual who provides capital
for a business start-
up,
in exchange for ownership equity. Unlike venture capitalists, angel investors
do not manage the
pooled money of others in a professionally-managed fund. However, angel investors
often organize
themselves into angel networks or angel groups
to share research and pool their own
investment capital. Angel
investments bear extremely high risk, and thus require a very high return on
investment. In
some cases, angel investors seek a return of at least 10-20 times their original
investment within
a few years, through a defined exit strategy. Angel financing is an expensive
source of funds
because of cheaper sources of capital, such as bank financing, are usually not
available for
most early-stage ventures since these businesses lack a good track record.
Angel investors are usually wealthy individuals or business people who make high-risk,
potentially
high-yield investments in start-up companies or small businesses who are looking
to expand
their market opportunities in exchange for ownership equity. Unlike venture
capitalists, angel
investors do not manage the pooled money of others in a professionally managed
fund. Angel
investors typically focus on companies that have already developed a business
plan, and are
in the stage of investment. Emphasis is placed on business enterprises with
the potential for rapid
growth. Angel investors have the option of offering their business expertise
and actively participate
in the management, operation, and marketing of the business since significant
capital is
invested. Early
stage financing is usually provided by family and friends and angel investors.
These investors
finance the early development of business ideas and prepare the firm for later
stage financing
by venture capitalists and private equity investors. Angel investors form
a critical bridge
between early business development and the later rapid growth phases of an emerging
business. At
iVentures, we have established an angel investing group with the experience and
expertise necessary
to help potential entrepreneurs and businesses to the resources of early stage
financing.
We are looking to expand to offer businesses the experience in a large variety
of industries.
go back Financial
Analysis
Financial analysis
entails examining the accounts and economic prospects of a firm or
project.
It is performed by professionals who prepare reports using ratios that make use
of information
taken from financial statements and other reports. These reports are usually presented
to top management as one of their basis in making business decisions.
Goals Financial
analysts often assess the firm's: 1.
Profitability - its ability to earn income and sustain growth based on the income
statement, which
reports on the company's results of operations; 2.
Solvency - its ability to pay its obligation to debtors and other parties in the
long-term. A bank
or a supplier can safely grant credit. 3.
Liquidity - its ability to maintain positive cash flow, while satisfying immediate
obligations; 4.
Stability - the firm's ability to remain in business without having to sustain
significant losses in the
conduct of its business. At
iVentures, we will work with your business to analyze the business operations
financials. We
will provide your business with the full analysis regarding its strengths and
weaknesses using iVentures
financial models provided by skilled professionals. To ensure business operations
efficiency,
we provide businesses with monthly and quarterly analysis.
go back Business
Financing
When seeking money for a business, an entrepreneur should consider the company's
debt-to-
equity
ratio. That is, the relation between dollars borrowed and dollars invested in
the business.
The more money owners have invested in their business, the easier it is to attract
financing. Business
Financing, also known as debt financing, is borrowing money for a specific period
of time
that usually must be paid back with interest. Unlike equity financing, the loan
source does not
require a piece of ownership in the business.
go back Personal
Investing
Personal Investing
is more than just your investments. It's about people and planning.
iVentures Investment Consultants will work with you to create a plan to help you
get to where you
want to go.
iVentures offers an array of Investment Services tailored to your specific needs.
Working with you
and knowing your aspirations, iVentures’ Investment Consultants can help
you plan
through to understand personal investing, asset allocation, and tax efficient
planning.
go back Asset
Allocation
Asset
allocation is a strategy for building and managing your investment portfolio.
You
allocate
your assets by deciding how much of your principal to invest in different asset
classes, or
investment categories. Portfolio
Strategy Services
When it comes to finances, today's consumers want the big picture - the whole
picture - not just a trade
here and there. With its Portfolio Strategy Services, iVentures' Investment Consultants
can
provide you with the perspective you need to control and manage your finances.
Why
do I need a strategy?
Past performance, stock selection and timing investments in and out of the market
were far less influential
in achieving long-term result than asset allocation. What
is Asset Allocation?
Asset allocation is a strategy for building and managing your investment portfolio.
You allocate your
assets by deciding how much of your principal to invest in the different asset
classes, or investment
categories available. For example, you might invest some of your money in stocks,
some
in bonds, and some in cash or cash equivalents. The allocation you choose has
a major impact
on your investment return, and on the level of risk you take as an investor.
How does
Asset Allocation help me?
Asset allocation determines the investment returns achieved because different
asset classes - stocks,
bonds, and cash equivalents - typically react differently to changes in the financial
markets
and other economic conditions. For example, a market that produces strong stock
returns
may cause bond returns to slump, and vice versa. But, if the investments are spread
across
various asset classes, one may be able to gain, limit, or offset any potential
losses from one
asset class to another. How
can iVentures Help Me?
iVentures' Portfolio Strategy is based on Asset Allocation. Using our Client Profile
Questionnaire, iVentures'
Portfolio Strategy Process gathers details about your personal financial circumstances
and your investment personality. It's how we strive to provide you with a personalized
advice that is a fit with your personal big picture. Based on the information
provided
at iVentures' Investment Consultant will recommend a suitable portfolio strategy,
investment
choices, account structures and forward-looking tactics that will help you reach
your
specific goals. Much
like everyone has a different personality, each investor has their own investing
style. Your
iVentures' Investment Consultant understands this - and you. Some investors are
risk takers by nature,
while others are not. It is extremely important for you and your iVentures' Investment
Consultant
to know and understand what your investment style is. Conservative
investors generally feel that safeguarding their current assets is their
top priority. This
approach is called capital preservation. These investors want to preserve their
principal, even
if that means they'll have to settle for very modest returns. Moderate
investors want to increase the value of their portfolios while protecting
their assets from
the risk of major losses. They usually buffer the volatility of growth investments,
such as stock,
with a substantial portion of their portfolio allocated to produce regular income
and preserve
principal. Aggressive
investors concentrate on investments that have the potential for significant
growth.
They are willing to take the risk of losing some of their principal, with the
expectation that they will
realize greater returns. Strategy
Profiles & Execution
Based on these three styles, we have developed 5 different Strategy Profiles with
different allocation
methodologies and time frames to help you and your Investment Consultant select
the
right strategy for you: Conservative Profile, Moderately Conservative Profile,
Moderate Profile,
Moderately Aggressive Profile, and Aggressive Profile. When
selecting the correct profile for you, our Investment Consultants consider factors
such as: age,
personality, personal experience, and financial circumstances, risk tolerance
etc. We execute
the strategy by selecting and purchasing securities that fit within your profile.
But it doesn't
stop there. Over time we regularly monitor the performance of your strategy and
make periodic
adjustments when necessary, all the while keeping you apprised and in tune with
your financial
goals. Taking
Action
iVentures' Portfolio Strategy Services, Investment Consultants can provide you
with the perspective
you need to control and manage your finances. Contact your iVentures' Investment
consultant
to begin your Portfolio Strategy today. NOTE iVentures
offers only investment advice based on your investment style. We do not offer
any mutual
funds or stock positions at the moment and offer only recommendations. We are
currently
not affiliated to any brokerage firms.
go back Personal
Finance
A key component of personal finance is financial planning, a dynamic
process that requires
regular monitoring and evaluation. In general, it has five steps: Assessment:
One's personal financial situation can be assessed by compiling financial balance
sheets
and income statements. A personal balance sheet lists the values of personal assets
(e.g., house,
clothes, stocks, bank account), along with personal liabilities (e.g., credit
card debt, mortgage,
bank loan). Setting
goals: Setting financial goals helps direct financial planning. It is
not uncommon to have several
goals, for short term, and long term. Creating
a plan: The financial plan details how to accomplish your goals. It could
include reducing
unnecessary expenses, increasing your employment income, or investing in the stock
market. Execution:
Execution of one's personal financial plan often requires discipline and perseverance,
and
many people obtain assistance from professionals such as investment advisors,
financial planners,
accountants, and lawyers. Monitoring
and reassessment: One’s personal financial plan must be monitored
for possible
adjustments or reassessments periodically. At
iVentures, we will work with you individually to compile your personal balance
sheet, income
statement, and create a cash flow statement (income and expenses). We will analyze
your financial
situation and determine a financial plan based on your goals. As time passes,
we monitor
and reassess your financial plan.
go back Debt
Management Planning
A Debt Management Plan (DAMP) is a method for paying personal debts that involves
classifying
all the debts, assessing income and budget, and re-negotiating interest rates
and payments
with the lenders, based upon evidence that the result will be a higher likelihood
of collection
by the lenders. The simplest form of such a plan is done by creating a budget
for paying
debts, and then paying all the minimum payments on time from the fund created
by the budget,
using all extra funds each month to make pre-payments on the highest-interest
debt first (assuming
no pre-payment penalty exists), not taking on new debt until all the debt is paid.
In cases
where the budgeted debt payment is lower than the minimum payments due, payments
may
have to be re-negotiated with the lenders. Such a plan is considered a good alternative
to bankruptcy
because it results in more creditors being paid, and in the debtor's credit ratings
and self-esteem
remaining intact.
go back Tax
Planning
Investor's returns are a function (1) of the risks
they assume, (2) of their asset allocations,
and
(3) of the costs they incur. In the end, risks can be balanced, but they cannot
be eliminated. Asset
allocations can affect returns, but those returns tend to vary considerably from
year to year.
Cost can typically be controlled which can also profoundly affect the return that
an investor
earns. The greatest cost that investors face is their tax bill. Investors
who save those taxes for themselves within their own account can dramatically
increase
their accumulation of wealth over time. That is why tax-savvy investment advice
is critical
to your future. It can come in the form of efficient ways to fund your retirement.
Perhaps
it is a year-end strategy to offset your gains for the year. It might involve
the selection of an investment
consultant who will assist you in efficiently managing your finances to maximize
after-tax
returns and execute a plan to build your overall portfolio. Every
dollar you keep from the taxman drops to your bottom line - plus interest. Take
control of your
future and contact an iVentures' investment consultant and become a tax-savvy
investor today! | 
