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Companies in the crypto lending space, this decision may interest you. A recent court decision found that a program allowing customers to earn interest on their crypto assets, based on a loan agreement, may constitute the sale of unregistered securities. The court's analysis of the Reves test found several factors weighing in favor of finding a security, including the company's alleged motivation to use revenue generated from loans to fund its business, and the distribution to the general public (as opposed to limiting the program to institutional investors). As to public expectations, even though the loan agreements referred to customers as "lenders," the court found that the customers likely believed the notes were investments due to how the program was advertised. Additionally, the court held there were not sufficient risk-reducing factors. This decision could have significant implications for companies operating in the crypto lending space. Link to decision here: https://lnkd.in/d2_uxfCi #SEC #securities #crypto #lending #borrowing #digitalasset

The latest 2 Question Tuesday talks about how New York Community Bancorp, which has seen its stock plunge 73% this year, became the first victime of the commercial real estate crisis and is this the beginning of more regional banks falling into trouble. After that, they address the huge rally in Bitcoin and whether it’s connected to the speculation in the stock market. #2QuestionTuesday #banks #NewYorkCommunityBancorp #commercialrealestate #crisis #stockplunge #regionalbanks #Bitcoin #rally #speculation #stockmarket Click the link below.

ᛈ Penning Capital Management Q3 performance numbers ᛈ And here it is. The 3rd quarterly performance numbers, whilst the world and PCM have embarked into the final quarter of the year 2024, are here. The team PCM, has been diligently working on new integrations, strategies, and technology to ensure future performance and investor-first alignment. Here's what PCM's CIO has to say: " Since joining The Penning Group in 2022, I have been working intensively to adapt the Trinity system for the digital asset market, a process that has been challenging up until now. Recently, we achieved a major breakthrough by successfully adapting the strategy for Bitcoin. The simulated results now closely mirror the success the system has historically delivered in FX trading. In September, the crypto-adapted version, TrinityX, was deployed live in our ALPHA portfolio. Not only did TrinityX generate the majority of the month’s profits, but it also offset losses in other ALPHA verticals, making it a key contributor to our overall performance. This milestone marks a significant achievement for PCM, and we are excited about the future potential of TrinityX.” - Timothy Hellberg, CIO & Head of Fund Mgt. of PCM. While PCM continues to break MoM records and yield advantages from the market opportunities from the world of digital assets, you can reach out to anyone from the PCM team (Martin) or group CBO & CEO Jimmie & Hasan to learn more about how you can get involved with the open-ended fund. You can also go directly to this link: www.penning.dk/pcm/sign-up Till we yield again #crypto #bitcoin #finance #hedgefund #digital #assets #markets #business

Michigan Estate Planning Alert: What Business Owners Need to Know in 2024 🔍 As we approach 2024, significant changes are affecting how Michigan business owners should approach their estate planning. Here's what you need to know: 1. Tax Law Updates • Federal estate tax exemption adjustments • New Michigan property law implications • Updated business succession considerations 2. Digital Asset Protection • Cryptocurrency regulations evolving • Digital business asset security requirements • Online account access protocols 3. Remote Document Execution • Permanent changes to notarization rules • Enhanced verification requirements • Improved accessibility options 4. Business Succession Impact • New valuation guidelines • Family transfer strategies • Buy-sell agreement updates 💡 Pro Tip: These changes make it crucial to review your business succession plan quarterly in 2024. 🤔 Question for business owners: Has your estate plan been reviewed to address these changes? #BusinessLaw #MichiganLaw #EstatePlanning #BusinessOwners #SuccessionPlanning

Planning to write off your cat?? Be careful where you get your financial advice from. I recommend seeking a professional ;)

A lot of thought goes into what people invest in, but have you ever considered who holds the book of record for those investments? 🤔 Trust is placed in custodians to safeguard your wealth, and it’s crucial to apply just as much due diligence to this decision as you do to selecting your investments. 🔍💡 Think about the wealth lost through crypto wallets 🪙 or even private investments in recent years. The lesson? Choosing a reliable custodian is just as important as picking the right investment strategy. 💼🔒 #FinancialPlanning #WealthManagement #InvestorTips #CryptoSecurity #DueDiligence

Financial advisers and accountants feel the pain as more clients ask about crypto. "...advisors typically cannot discuss it with clients. They can't bring it up... and they are embarrassed by that. It just makes them look silly." Worse: if clients are warned away from opportunities that turn out to be lucrative, clients can initiate lawsuits to reclaim the loss. Litigation mitigation starts with Education. Avoid lawsuits. Learn something. https://lnkd.in/g8WS84q4

what is your financial structure like today? ... Financial freedom starts now: A guide for students & recent grads. As a student or recent graduate, it’s important to establish solid financial habits. I offer personalized advice on budgeting, investing, and understanding the basics of cryptocurrency. Visit my website today: https://lnkd.in/dFKWvS3x #financialadvice #students #recentgrads #budgeting #investing #cryptocurrency

This article is for those who are curious about Bitcoin and is wanting greater context of who the players are on the finance side of the Bitcoin Economy and how they interact within the system. Intro Finance does not have to be intimidating. We all started somewhere with someone. That may have taken longer for some others, but we are here because of someone's kindness and wisdom. Wherever you are on your journey, we wish you the best.   Traders vs Investors vs Investment Advisors This can be a subject matter of much contention and debate about which one is greater. Others can play in that dirt. Rather what I offer here is a general definition: traders tend to have a shorter-term view of the market and therefore strategies and areas of focus and conversation will be those that are applicable within that time period. While Investors favor a longer-term view. They are not exclusive to each other rather it is only a classification of a time horizon and one’s process to engage.......   Read the rest of the article here: https://lnkd.in/gEG6DwfG

Here are 4 🎯 vital strategies to protect your hard earned assets from lawsuits! Do you own a 🚗 car or home? Do you have 💰 money in the bank? Are you invested in stocks, ₿ bitcoin, or real estate? No matter who you are, you HAVE assets, and in your lifetime you will probably be 👨⚖️ sued. Our framework for asset 🔐 protection Is a 4️⃣ layered pyramid. 🫣 Hide  💔 Divest ⚔️ Protect  💨 Devalue Join me this Wednesday 11 AM EST As we explain the ♟️ strategies And give you the 5 🛠️ tools to execute the ✨ perfect protection 🌱 plan. While I will focus on real estate investors, the webinar applies to everybody, because in a ⚖️ litigious society  we are all at risk! 👇 See link in comments to register for 𝗨𝗻𝗹𝗼𝗰𝗸 𝘁𝗵𝗲 𝗦𝗲𝗰𝗿𝗲𝘁𝘀:  “𝗛𝗼𝘄 𝗧𝗵𝗲 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗿𝗼𝘀 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗧𝗵𝗲𝗶𝗿 𝗔𝘀𝘀𝗲𝘁𝘀” By Tzvi "𝗟.ayered 𝗟.iability 𝗖.ontrol" Weiser #AssetProtection #RealEstateInvesting #WealthPreservation #FinancialSecurity #InvestorTips #ProtectYourAssets #LLCStrategies #Trusts #LegalProtection ---------------------------------------------------------------------------- 𝗛𝗶!  𝗜 𝗮𝗺 𝗧𝘇𝘃𝗶 “𝗟𝗟𝗖”, 𝘁𝗵𝗲 𝗟𝗟𝗖 𝗪𝗮𝗿𝗿𝗶𝗼𝗿 I love helping you choose the right entity, form it properly, and protect it, so it can protect you! 📢 Give me a shout if you want   🔥 Use our BOI Portal for easy, cheap and efficient BOI Reports   ⚡ Lightning fast LLC formation and compliance   🎯 To pick my brain about LLCs, FinCEN/BOI Filings, 1031 exchange    🔑 Access to our game changing free LLC Management Portal.