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Personal Finance: Setting Up Firewalls

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Dear Reader, Firewall and Finance? Who you? Where are you from? *in Indabosky's voice* . Simply put, "What’s the relationship?". There is actually a connection between both terms, which will be explained in this article.  When we think about Firewalls, we think about it's science, which refers to a network security system that monitors and controls incoming and outgoing network traffic based on predetermined security rules. I know that may be a lot of computing jargon, but stay with me, let’s think it through the Finance K.I.S.S way. Personal finance refer to financial management strategies, which an individual performs to budget, save, invest and spend resources over time, taking into account various financial risks and projections. To juxtapose personal finance and a firewall, in my opinion, a common link is strategies put in place to protect something – in this case your money. As a Firewall would, these strategies controls your financial inflows a...
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Valuation of hard-to-value equities: Initial Public Offerings (IPOs)

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Introduction: What are IPOs? An initial public offering (IPO) refers to the process of offering shares of a private corporation to the public in a new stock issuance. Public share issuance allows a private company to raise capital from public investors. What are private corporations? Private companies range from single-employee, unincorporated businesses to formerly public companies that have been taken private in management buyouts or other transactions.   The diverse characteristics of private companies have encouraged the development of diverse valuation practices. To gain an insight to valuation of private companies and IPOs, the difference between a private and public company should be understood. The major difference include: Stages in life cycle; Size; Overlap of shareholders and management; Quality and depth of management; Quality of financial information; Pressure from short-term investors; and Tax concerns From the list we can infer that pr...
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Financial Literacy: A simplified approach - Part I

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Hi guys, Longgggggggggggggggggg time no see, as Nigerians say. I have been working, trust me. July was delivery-heavy for me at work and some finance gigs I had been called to facilitate. One of this was the Dynamic Youth Fellowship (DYF) seminar for a work colleague’s church. This was to enlighten the DYF youth church on savings culture, investment buckets, risk appetite, understanding and applying basic financial skills. Hence, I settled for the theme – “Financial Literacy – A simplified approach” as summarized below. Financial literacy is the ability to understand and properly apply financial management skills, which include financial planning, properly managing debt, accurately calculating interest, and understanding the time value of money are characteristics of being financially literate. Furthermore, I also took them through some components of financial literacy, which includes budgeting, understanding interest rates, pri...
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