Author Archives: Jeanna Smialek

With the new year is coming, our comitment to serve you with excellent quality and dedication for your business will never fade. There will be lots of new opportunity this year as we grow bigger and better than ever before. All of us in International Finance Invest give you a Happy New Year 2020! Work with us and make YOUR BUSINESS DREAM COMES TRUE!

The holiday season keeps growing more complicated for financial marketers. A swirl of new factors impacting retailing offers more ways than ever to promote credit services. Two key questions must be addressed: Should financial marketers spend earlier in the season to beat the crowd and actually connect with consumers before they tune out? Is there any advantage in targeting potential credit spenders by gender or generation? The answers are particularly important as competition for consumer credit comes from more directions than ever. A visit to the website of online point-of-sale lender Affirm, for example, shows how many brands popular with younger generations have partnered with this nonbank, nontraditional lender. In early 2019 Affirm announced a partnership with Walmart to offer its payment plans both at its stores and through Walmart.com. Say ‘Merry Christmas’ Before It’s Too Late Here’s a fundamental query: When does the holiday shopping period begin? You might…

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Jamie Dimon is wading into the ongoing feud between Sen. Elizabeth Warren and American billionaires including money manager Leon Cooperman. Dimon, himself a billionaire thanks to his decades running some of the biggest U.S. lenders, was asked by CNBC’s Wilfred Frost if Democratic presidential hopeful Warren was anti-business. “You really have to ask her what she really means,” Dimon said in the interview, parts of which were scheduled to air on CNBC’s “Closing Bell.” “She uses some pretty harsh words, you know, some would say vilifies successful people,” Dimon said. “I don’t like vilifying anybody. I think we should applaud successful people.” Warren has been chiding billionaires critical of her proposal to raise taxes on the ultra rich to help defray the costs of her ambitious plans to reduce inequality in the U.S. That has led to a public spat with Cooperman, who, among other things, has said that Warren…

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China’s Commerce Ministry said Thursday that Beijing had agreed with Washington to lift existing trade tariffs between the two nations in phases. Gao Feng, a spokesperson for China’s Commerce Ministry, said that both sides had agreed to simultaneously cancel some existing tariffs on one another’s goods, according to the country’s state broadcaster. The ministry spokesperson said that both sides were closer to a so-called phase one trade agreement after constructive negotiations over the past two weeks. One important condition for a limited trade agreement, Feng insisted, was that the U.S. and China must remove the same amount of charges at the same time. Fresh hopes for a phase one trade accord prompted U.S. stock index futures to rally Thursday morning, with Dow futures poised to open up more than 120 points. Market participants had expected the two economic giants to sign a deal later this month, after both Washington and…

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A few months ago, I got out of a taxi upon arriving at my hotel in Beijing. As mainstream credit cards are uncommon and rarely accepted here, I handed the driver cash. I couldn’t speak Chinese and he couldn’t speak English. He shook his head fiercely refusing the payment and pointed to his phone. He wanted me to pay through QR code — a popular method for payments in China. After much back and forth and me telling him I didn’t have WeChat Pay or AliPay, I handed the cash to the hotel door staff. The staff member didn’t have any cash on him to provide change (we decided to let it go), and he then used his personal phone to pay the driver through QR code. This inconvenient scenario is common for foreigners like myself visiting China — it’s not just with transportation. Even at American staples like Starbucks…

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When a start-up raises money, it shouldn’t necessarily be seen at as a good thing, according to the co-founder of tech unicorn Branch. Mada Seghete, Branch’s head of strategy and market development, said that though getting funding is a “necessary” step for new companies, it comes at the expense of a team’s ownership in their business. “We will never ever celebrate a fundraise,” Seghete said at a CNBC-moderated panel at the Web Summit tech conference. “When you raise money, it’s definitely important that you raise money to fuel your company.” “But you do give out a percentage of your equity, you dilute yourself and your employees, and it’s not necessarily something to celebrate,” she added. Based in Redwood City, California, Branch sells a technology known as deep-linking, which helps clients create links that direct users to a certain point on their website or app. The company has raised $113 million…

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When you are just starting out in the business world, it can seem daunting at times. In order to be an entrepreneur and run your own business successfully; you need to have drive, determination, and vision. These will help you stay above water through the hard times. But you also need a great concept and suitable infrastructure and capital to implement it, which are sometimes harder to come by. In their quest for success, many young entrepreneurs turn to the luring world of franchising. But is that the most appropriate course of action for you? Reviewing the pros and cons of becoming involved in a franchise can help you decide if this is the way to go. For the Young and the Restless If you are suited for the entrepreneur lifestyle, you already know it deep inside. It can be stressful and risky; and there are people who are risk-averse…

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It’s hard to see the forest with all those trees in the way. We’re currently going through a revolution that’s larger, arguably, than the industrial revolution. The internet and the rise of technology have transformed the way we live — how we talk, how we work, how we go about our daily business, and, yes, how we manage our finances on a global and individual level. It’s possible that in fifty years, once humans have some perspective on the shift that’s happening, we’ll see these days as the beginning of a great change. But how exactly is technology changing the world of finance? Decentralised Banking Historically, banks and other financial institutions have been in charge of the money, and whoever is in charge of money, generally controls the world. That’s beginning to change now. There’s been a lot of hype about blockchain — more hype than action — but the…

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Most healthy businesses need business financing at some point. Startups have to deal with starting costs and ongoing businesses have to finance growth and working capital. Deciding to take on some kind of debt is quite common. In this article, we’ll take a quick look at the big picture, and then talk through options for funding. Financing options depend on what kind of business you have. Its age, position, performance, market opportunities, team, and so forth are very important. So you should tailor your funding search and your approach. Don’t waste your time looking for the wrong kind of financing. Understand the general realities of getting funded Let’s start with a quick reality check. Like so many things in business, a lot about business financing depends on your specific details. Realities go case by case, depending on the growth stage, resources, and other factors.   Are you a startup or…

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The rising popularity of cryptocurrencies over the past years have sped up their creation and growth. New traders and investors may easily be confused by the sheer number of currencies available. This guide aims to help you invest in some of the best digital currencies available. 1. Bitcoin You’ve probably heard of Bitcoin before hearing the terms cryptocurrency or blockchain. Bitcoin is the largest and most popular cryptocurrency, both by market capitalization and by transaction volume. Most industry analysts agree that if you are only going to invest in one cryptocurrency, then Bitcoin should be the one you choose. As with any digital currencies, Bitcoin has been a successful investment for some and a loss to others. It is always important to learn how to invest in Bitcoin before you start using real money. 2. Ethereum Advocates for Ethereum describe the coin as being the brains behind the entire blockchain…

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