Mahi Sall, Advisor, Fintech-Bank Partnerships, Payments and Financial Inclusivity
January 25th, 2023
Mahi Sall is the CEO & Founder of FinXpair, a Berlin-based strategic advisory boutique firm focu[...]
Why Life Insurance Policies Matter
NCFA Sponsored guest post | Sep 18, 2018
“You are such a worry-wart.”
This is the common reaction I get whenever I tell people about how I like to plan ahead. They tell me that I’m too overreacting, that I live too much for the future and not for the present, and that I really don’t get the concept of YOLO.
I really don’t give a darn about what these people say. They’re impractically wasting their time, breath, and energy trying to change how I live my life.
What if I’m so gung-ho about planning for the future? What if I’m too overly prepared even my future dogs and cats will be feasting every single day? It’s still better than having no insurance. It’s still better than having my children carry my weight. Lastly, it’s still better than being ill-prepared.
See: What Can Traditional Banks Learn From Fintech?
If I were to choose between too much and too little, I’d choose too much any day. After all, what’s wrong with having so much you could spare a ton? It’s a thousand times better than having to ask for financial aid because you have so little. Do you get me?
I am a mother of two. My husband and I are both working. We’re your average family but we get by comfortably – maybe even a little extra from time to time. We are able to fend off our needs without having to sacrifice time and resources. We eat three meals a day – five, including snacks – and we even spend a little more on special Sundays. Family dinners, spontaneous vacations, movie nights, and whatnot, we do it all.
Mind you, I’m not here to brag but to tell a story. A story of how such a financially stable family as mine still choose to invest in life insurance despite our quality of living. We can afford things but we choose not to buy them. We can be first in line whenever Apple issues a new iPhone but we choose not to. We’re practically free to buy limited-edition albums of our favorite recording artists, but instead, we prefer to just download them on iTunes. Are we being cheapskates? Are we being tightwads? Do we fail to make the most out of our limited time in this world?
NO. We are being practical.
We know for a fact that money is temporary, having a job is not forever, and that good things will come to an end, one way or another. We know YOLO but we uphold a different version of it. You Only Live Once, they say. But it is exactly because you only live once that you should avoid making an embarrassment of your life. Live healthy, live fully, but live wisely. Don’t throw your hard-earned money down the drain because you don’t know how long it’s going to keep you. You don’t know how long your boss is going to keep you. This is the reality of life – one that you must definitely understand.
Getting life insurance doesn’t make you a worry-wart; it makes you a wise man (or woman, for that matter). It transforms you into someone bolder, braver, and more optimistic. Knowing that your future is secure allows you to live each day to the fullest. To spend on yourself and your family like you never have before because you know that there is much promise waiting for you in the years ahead.
This is the truth that people often fail to see. A truth that life insurance companies like Upside Insurance Greenville, Monumental, and Weatherly try very hard to introduce to people. But we’re just big dummies, aren’t we? Instead of welcoming wise words from people who are well-oriented about the harsh realities of life, we shun them and tell them to pack up their stuff because we “YOLO.”
See: Tune into FINTECH FRIDAY$ - Insightful stories from the edge
It’s never too late or too early to start the change within yourself. Don’t put off tomorrow what you can do today. And if you’re thinking “This lass is going to regret all the money she invested on her life insurance if it proves unnecessary someday.”
Life insurance will always and forever be necessary. There will always be a need for it. And if, in the future, I can manage even without the insurance, it still wouldn’t be a waste. It gives me the security I need to face life bravely – and that, alone, is fair merit.
To really get a better view of how life insurance can affect your life, read this: https://www.gatewayfinancial.biz/private-clients/advantages-disadvantages-of-life-insurance/
Source: Sponsored guest post
The National Crowdfunding & Fintech Association of Canada (NCFA Canada) is a cross-Canada non-profit actively engaged with fintech, alternative finance, blockchain, cryptocurrency, crowdfunding and online investing stakeholders globally. NCFA Canada provides education, research, industry stewardship, services, and networking opportunities to thousands of members and subscribers and works closely with industry, government, academia, community and eco-system partners and affiliates to create a strong and vibrant crowdfunding and fintech industry. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Guest Post | Feb 7, 2023 You know that the secret to growing your wealth is investing. Investments are the key to unlocking compound growth that can surpass anything you could do by simply setting aside part of your income. But with inflation persistently high, rent and mortgage costs skyrocketing across Canada, and the general cost of living taking a bigger and bigger bite out of your income, it’s getting harder to set anything aside for investing. When your goal is to save as quickly and aggressively as possible, now may be the time to get innovative with your ideas for saving money. #1 Head to the Discount Grocery Store In Canada, the major grocery store companies typically have both high-end and discount chains. You can get many of the same products and produce you’re used to at a lower price by heading to a more budget-friendly grocery store. While a few cents or dollars may not seem like much on each individual grocery item, it adds up at the end of the week, and you don’t have to change the foods you’re used to getting. #2 Buy Your Technology Used Electronics are no longer a luxury in most cases ...
Read More
Crowdfund Insider | JD Alois | Jan 30, 2023 Investment crowdfunding, or crowd-sourced funding (CSF) as it is called down under, generated $72 million in online capital formation, according to an industry report. The information is compiled by Birchal, the largest online investment platform in Australia. Birchals has been providing this report for several years now. While a smaller market, Australia continues to grow. In aggregate, since 2018, issuers have raised $219 million for approximately 250 SMEs. Average deal size – $733,000 Average individual investment – $1695 70 securities offerings were over $1 million Total market estimated market cap of firms completing a securities offering at $1.4 billion There have been 50 follow-on securities offerings The largest securities offering to date was for ZeroCo for $5 million (October 2021) See: CCA 2022 Investment Crowdfunding Report: 7 Charts Highlight Growth and Impact The fastest funding round was for Your Mates Brewing in October 2022 at under two hours Birchal reports the bulk of online capital formation for early-stage ventures at 192 offerings raising $144 million In 2022, most issuers were “growth stage” (49%) with greater than $1 million in reported revenue. Pre-revenue startups accounted for 16.5% of the funding activity.The number ...
Read More
Read More
Crowdfund Capital Advisors | Sherwood Neiss | Feb 8, 2023 2022 was a challenging year for venture-back companies but there were many silver linings for investment crowdfunding. Last week, Crowdfund Capital Advisors released their 7th annual Year in Review report. 105-page report (our longest yet) contains 100 charts, tables, images, and maps. Pitchbook Angel/Seed deals are trending down while alternative investment crowdfunding deals hit a record high: Pitchbook released the “Q4 Venture Monitor First Look” that breaks down its data. This trendline continues to show an increase in funded deals. As more issuers find it challenging to access capital in 2023, we expect to see them turn online for capital. Investment crowdfunding has bridged the the 'Valley of Death' The average raise since the industry launched has grown to $365K, expanding beyond where the Valley existed previously; $25K to $250K. With the maximum issuers can raise now at $5 million, there is much room for successful issuers to perform follow-on raises to not only get them through the Valley of Death but beyond it. Equity crowdfunding issuers are becoming less risky; the profile of the average successful investment crowdfunding issuer is changing Demographic: They tend to be older, are post-revenue, ...
Read More
Read More
Better Dwelling | Daniel Wong | Feb 6, 2023 Reverse mortgage debt has recently surged in growth, with the debt rising at an unusual fast rate for any credit segment. Canadian homeowners aren’t shy about cashing in on their windfall, especially seniors. Regulatory filings with OSFI, Canada’s bank regulator, show reverse mortgage debt surged in November. The outstanding balance rose 5.9% (+$370 million) to $6.7 billion in November. The balance is now 31.0% (+$1.6 billion) higher than a year before. See: Saddled with Rising Rates and Debt, Canadian Borrowers Seek Mortgage Alternatives Reverse mortgages are loans disbursed as lump sum or regular payments, secured by your home equity. It’s similar to a home equity line of credit (HELOC), but the big difference is in repayment—you don’t have to make regular payments or prove you have the debt service capacity. The catch is interest accumulates in the background, eroding the home equity you’ve built up. These loans generally have higher interest rates than traditional HELOCs or mortgage refinancing. The sudden boom for reverse mortgage debt is due to a combination of monetary and demographic factors. Since repayment isn’t required, rising rates are likely allowing the debt to accumulate faster for those ...
Read More
Read More
Reuters | Douglas Gillison and David Shepardson | Feb 1, 2023 President Joe Biden on Wednesday unveiled fresh efforts to slash credit card late fees and drive down the prices that Apple Inc and Google parent Alphabet Inc charge on mobile app stores. Speaking at the White House, Biden also called on lawmakers to ban "junk fees" he said jacked up costs for consumer services such as accommodation, concert tickets, mobile plans and air travel, in which officials said air carriers can charge family members extra to be seated next to young children. The move is part of a larger policy drive to promote competition in consumer markets, officials said. Biden, The bottom line is these unfair fees add up. It's a basic question of fairness See: CFPB: US Consumer Agency Announces Open Banking Rule As part of the initiative, the Consumer Financial Protection Bureau on Wednesday proposed a rule to ban "excessive" fees that credit card issuers charge for late payments, something the bureau estimated costs consumers $12 billion a year. The CFPB said the rule would cap late fees at $8, whereas officials estimate they currently average $31, something that could represent as much as $9 billion in ...
Read More
Read More
CoinDesk | Brandy Betz | Feb 2, 2023 Analysis shows crypto startups only raised $548 million last month (January 2023) plunging 91% year over year. Venture capital (VC) and other investments in privately held crypto startups amounted to $548 million last month, a huge drop from $6 billion in January 2022, according to data compiled by CoinDesk. The number of transactions shrank to 62 from 166, and most of the 2023 deals were for smaller, early-stage companies. See: FT Partners Jan 2023 Blockchain and Crypto Market Update Report Funding rounds can take months to finalize or close, and some of the investments reflected last month were likely already raising money when the FTX collapse started in early November. The coming months will show exactly how much investment capital dried up after the FTX scandal came to light. FTX’s demise created doubts about the whole centralized exchange (CeFi) model of trading crypto, and persuaded some that decentralized finance (DeFi) and decentralized exchanges (DEX) are the better way forward. CeFi deals sinking 99% to $22.8 million in January 2023. Also, the CeFi firms that managed to raise money had a tie to DeFi. Continue to the full article --> here The National ...
Read More
Read More
Bankless Times | Elizabeth Kerr | Feb 1, 2023 There has been a 32.2% decline in the usage of crypto mixers in 2022 Cryptocurrency mixers mix users' coins with others from a large pool. Therefore, making it difficult to trace the source of the funds. As a result, mixers are popular among privacy-conscious investors and criminals. Crypto mixers provide users with a way to anonymize their cryptocurrency transactions. In addition, they allow for funds to be shuffled among multiple addresses, making it harder for third parties or authorities to track the origin of the funds. See: Analysis: Into the Eye of a Tornado | Sanctions Compliance Best Practices for Crypto Businesses Reasons for decline: One possible explanation for the decline is the increase in regulatory scrutiny. Governments worldwide are taking a closer look at the world of cryptocurrency. As a result, many users may be wary of using tools that could attract unwanted attention. Also, the rise of new privacy-focused coins is drawing users away from the mixers. Another factor could be the growth of decentralized finance (DeFi) platforms. These platforms offer similar privacy features without the need for a mixer. DeFi's popularity could be drawing users away from traditional ...
Read More
Read More
European Digital SME Alliance | Omar Dhaher | Jan 31, 2023 SME Experts have finalised an SBS guide on blockchain and DLT to raise SMEs’ awareness on how to appropriately use technology, adapt to EU legislation, and maintain consistency to standardisation activities The EU blockchain market is expected to be valued around €59bn by 2028. SMEs can use blockchain to grow their businesses and lead the way in digitalisation and sustainability See: More Fintech Research and Reports To raise awareness and assist SMEs in mastering the use of blockchain technology, a task force of Small Business Standards (SBS) and DIGITAL SME experts have finalised a SBS guide on blockchain and DLT. The intended manual wishes to Illustrate four case scenarios that demonstrate how blockchain: Strengthen overall business sustainability Help SMEs in certify their quality management system Ensure authentication and trust in identification Strengthen policy response to raising and urging geopolitical concerns Continue to the full article --> here Download the 42 page PDF report --> here The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely ...
Read More
Read More
Fintech Magazine | Joanna England | Feb 7, 2023 Revolut has rolled out its new crypto feature to 25 million customers, via its financial super app to provide more frictionless crypto trading experiences Revolut launched the crypto feature, called Staking in the UK and EEA, effectively taking another leap forward towards its mission to build the first super app for all-things-money, and is continuing to double-down on its promise to bring greater digital currency services to the banking space. New feature unlocks extra benefits for customers investing in crypto with Revolut, giving them the ability to earn rewards for specific tokens (Ethereum, Cardano, Polkadot, and Tezos). The rewards are granted in the native token and customers can either stake their existing crypto balances for these tokens or buy and then stake the balance of one or more of the four tokens. Customers can set up a ‘stop or limit’ order so they don’t have to time the market or use the Recurring Buy feature to average out volatility. Other features also enable users to round up any spare change in a cryptocurrency of their choice, from a list of close to 100 cryptocurrencies. See: Fintech Revolut Hires Behavioural Team to ...
Read More
Read More
David Suzuki Foundation | Jan 26, 2023 Bringing Corporate Purpose into the Mainstream: Directions for Canadian Law concludes that a more solid legal scaffolding for corporate purpose in Canada is necessary and puts forward five key recommendations to make it happen. The idea of bringing corporate purpose into the mainstream through legal reform isn’t new. As the report shows, it’s already happening in places like France and the U.K. Among its recommendations, the report calls for the Canada Business Corporations Act to require a statement of purpose by a corporation’s board of directors (excluding small businesses), a “comply or explain” approach to stating that social purpose and broadening the best interests of the corporation to include impacts on the community. It also suggests amending fiduciary duty of directors and officers requiring them to pursue the purpose of the corporation with a view to its best interests. “Amending director fiduciary duty to stipulate that directors have a duty to pursue the purpose is a game-changing proposal. To put that into effect boards will need to know what the purpose of their corporation is, which arguably is essential for good governance,” says Coro Strandberg, one of the report’s editors and chair of ...
Read More
Read More
Guest Post | Feb 7, 2023 You know that the secret to growing your wealth is investing. Investments are the key to unlocking compound growth that can surpass anything you could do by simply setting aside part of your income. But with inflation persistently high, rent and mortgage costs skyrocketing across Canada, and the general cost of living taking a bigger and bigger bite out of your income, it’s getting harder to set anything aside for investing. When your goal is to save as quickly and aggressively as possible, now may be the time to get innovative with your ideas for saving money. #1 Head to the Discount Grocery Store In Canada, the major grocery store companies typically have both high-end and discount chains. You can get many of the same products and produce you’re used to at a lower price by heading to a more budget-friendly grocery store. While a few cents or dollars may not seem like much on each individual grocery item, it adds up at the end of the week, and you don’t have to change the foods you’re used to getting. #2 Buy Your Technology Used Electronics are no longer a luxury in most cases ...
Read More
Read More
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