In the 1930’s depression, much like the downturn of 2022, market technician Ralph Nelson Elliott made an interesting discovery. He noticed equity markets move in similar and replicating patterns with degrees of trend.
July 26, 2022
Social media has become such a prominent part of our lives. Whether we’d like to admit it or not, most of us are glued to our phones checking Facebook, Instagram, Snapchat, Twitter, the list goes on and on.
July 19, 2022
I often refer to capital or money as “fluid”. Over time investors globally find opportunities to make a return on their capital. Over the 12 years since the Financial Crisis, central bank interest rates had been particularly low, leading to interest rates across the fixed income universe to generally decline over that period.
July 12, 2022
The Cost of Capital can aptly be defined as “a company’s calculation of the minimum return that would be necessary in order to justify undertaking a capital budgeting project. The term cost of capital is used by analysts and investors, and is always an evaluation of whether a projected decision can be justified by its cost. Investors may also us the term to refer to an evaluation of an investment’s potential return in relation to its cost and its risk”.
June 28, 2022
Risk. A scary word to people, no matter the context. Whether hiking a mountain, leaving an employer, or investing a dollar, risk is something we are evolutionarily predisposed to avoid. But in the world of money, when risk is mentioned, what exactly is being said? When returns are considered, so is risk, but what is risk?
June 21, 2022
The Private Capital Markets Association of Canada (PCMA)™ is Canada’s largest private capital markets community with over 500 members. It is a not-for-profit association originally founded in 2002 by a group of Canadian business professionals whose firms were active in the exempt securities market. The PCMA is governed by its membership through a volunteer Board of Directors (BOD) elected by its members each year at the annual general membership meeting. The PCMA is managed on a day-to-day basis by the President, Executive Directors and the Membership and Operations Manager.
June 14, 2022
You have a great lineup of products and you want to sell them without the hefty overhead costs, finding the right employees, finding the perfect retail space, without some of the “chores” of owning a business. Have you considered an ecommerce business? Depends, right? What’s an ecommerce business?
June 7, 2022
For any investor, novice or experienced alike, there can be pitfalls and challenges that potentially lead you to making unsuitable investments. These pitfalls include cognitive biases, poor planning, and even missing the red flags of fraud.
May 31, 2022
Interest rates in Canada are on the rise to help contain inflation. The Bank of Canada increased the benchmark rate on April 13th by 0.5 percentage points to 1.0. This is the biggest one time increase in borrowing costs since 2000. While a higher rate environment may be effective for inflation, it can have significant consequences for small businesses.
May 24, 2022
Most Calgarians recall the devastating 2013 flood that ravaged our community. For our family it was a bittersweet time. After 5½ years of waiting, we were at last granted our Canadian Permanent Residency, allowing us to make the move across the world from South Africa. After selling a successful flooring business that we started in 2008, our family arrived 4 days after the horrific flood with 12 suitcases, 2 children and 2 cats - ready to begin our Canadian adventure.
May 17, 2022
Small business owners wear many hats within their business including taking on the role of recruiting and terminating employees. Without a dedicated human resources team, the process of hiring and firing can be time-consuming and overwhelming to business owners.
May 10, 2022
An offering memorandum, also known as a private placement memorandum, is a legal document that allows for the sale or private placement of securities such as shares, bonds and debentures in Canada.
May 3, 2022
There are often common misconceptions and confusion surrounding the exempt market. What is it? What are exempt market securities? Is it called the exempt market, private capital market or private placement? Well, it’s all the above.
April 22, 2022
When job seekers are asked what size of company, they are most interested in joining, an overwhelming amount choose small organizations; however, small businesses have difficulty finding the right talent to fill positions because they have limited resources. We're here to help.
April 21, 2022
How new initiatives in Alberta and Saskatchewan highlight the delicate Balance between capital formation and investor protection.
April 21, 2022
The world is in fact becoming more complex, more challenging, more competitive, and therefore bringing on more volatility to public markets and scaring investors with large upswings and downswings. So what does this all mean?
April 20, 2022
Two dominant themes inevitably present themselves when discussing the purpose of investing: capital preservation and capital growth.
April 19, 2022
To figure out which platform best suits you and your business needs, there are several important considerations to make including usability, scalability, payment gateways, prices, user-experience, security, support and integration.
It’s a good idea to sell your business when it is doing well. A company’s performance is what makes it attractive and valuable to a buyer. It’s also important to consider economic factors and capital market conditions.
Private investing is still relatively new to “eligible” and “accredited” investors alike, so it’s important to get all the information you need before you decide if it is right for you.
As the Canadian economy came out of the COVID constraints, we started to see new pressures on inflation. As of June 22, 2022, the Consumer Price Index (CPI) based on May prices had consumer inflation rising 7.7% year-over-year, which is the largest yearly increase since January 1983.
When it comes to your investments, stay focused on your financial goals and avoid the noise in the news and media. By maintaining a long-term view and a diversified investment portfolio aligned to your risk tolerance and goals, you can weather the storms of uncertain markets.
Mental toughness is certainly one of the most valuable, most powerful models of enhancing mental wellness that is emerging as a potential major area of support for small business owners who wish to improve not only their own performance but that of their teams as well.
Many diversified portfolios or mutual funds have too many companies within them for anyone or any team to really be able to keep fully informed of these businesses with any adequate informed insight. This type of diversification is very risky.
To participate in litigation, your business may need to divert significant resources toward the litigation. Not only does this include financial resources, but also the time from those staff who will be involved in the litigation.
Training and developing people IS an investment, both in the employee and the company. It helps your people become more productive by being better equipped to handle challenges, keeps them engaged, positions them up for higher-level roles in the company, supports positive corporate culture, and reduces turnover.
The first thing to remember is that investing has risks. Investments lose value or fail. Investors can lose money. This is true of almost any type of investment and particularly in a high-risk market. There will be gains, and there will be losses, as this is the nature of investing.
The dream of owning a small business is one that offers many benefits, such as independence and the ability to leave a legacy. While many challenges are faced when owning a small business, being prepared can provide the opportunity to succeed.
You have a new project which needs additional capital, and you ask your advisors for help on how to source the funds. Invariably their response begins with “look to your friends and family first.” Why… because this is the quickest, easiest, and likely the least expensive route to take.
While there are many types of unconventional assets, the resurgence of cryptocurrencies has made headlines. Bitcoin, Ethereum, Ripple and Litecoin, to name a few, are now a dynamic (and some may even say 'integral') part of the market, but one question remains: How can you ensure that those digital assets are passed down properly?
Making the decision to work with a recruitment agency can be apprehensive; however, finding an outsourced recruitment partner can save you time, reduce strain on your business, and provide a service that can add value to your business and is cost-effective is absolutely possible.
With smart and passionate opinions on both sides of the isle, it can be difficult to get a real sense of where we are and what the future impact of blockchain may be. It’s important to take a step back and consider the current macroeconomic environment we find ourselves in. It’s not just the crypto market that’s down significantly but the entire global financial markets.
You’re a successful business owner. You also know that you have to invest your after-tax profits so they don’t get eaten away by inflation, but with so many different choices, which investment option should you choose?
Due to the high cost of working with external law firms, many scaling businesses limit their legal engagements to major transactions or disputes, missing out on the strategic value of operationalizing their recurring legal needs during a critical phase of growth and development.
The exempt market is unique and not always relatable to traditional investing practices - but that can be a good thing. By taking an informed position and working with experienced professionals, private capital investors can access investment opportunities with unique risk-reward characteristics.
The problem is good ones are hard to find. 98 aren’t right for the position, 2 seem good. The trap is spending weeks filtering and wasting hours each day trying to find a good candidate.
To set expectations for the future, we must first understand the past. Our history has been filled with power struggles and wars since the dawn of man, but something happened after WWII that set the stage for two major shifts.
Many new issuers from all across Canada have seen the success and therefore want to explore the opportunities that the Quebec exempt market brings to the table. This is undoubtedly due to the continuation of growth, expansion and expertise as the years progress.
The process of onboarding new employees can be one of the most important factors in ensuring recently hired employees are engaged and productive in their new position.
Canadian adults spend more time at work than anywhere else in their lives; it comes as no surprise that their work environment has a direct impact on their well-being.
A good mental wellness program is easily accessible, used by employees, and acknowledges the mental health needs of the workforce.
The Industry Experts Roundtable Video Series Part 1 offers a valuable glimpse into the inner workings of the Private Capital Markets of Canada.
Part 2 of the Industry Experts Roundtable Video Series dives into the impact of regulations and barriers associated with the Private Capital Markets of Canada.
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