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A recent Project Invested article examined the worrisome decline in the number of emerging growth companies (EGC)taking advantage of the initial public offering (IPO) process in the capital markets to acquire financing.

As that article explained, the decline is troubling because fewer public companies can mean reduced economic growth, less job creation and fewer investment opportunities for average investors. The question is, what can be done to turn this trend around?

Increasingly, financial industry experts, policymakers and regulators point toward “capital formation” as a vital element needed to encourage business development and to help start-ups make the leap from private to public company. Let’s take a closer look at the concept of capital formation to better understand why it matters, particularly for the smaller and mid-sized businesses that constitute such an important part of the U.S. …


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What’s the biggest threat to the financial system today? According to Jamie Dimon, CEO of the JPMorgan Chase financial services firm, it’s the risk of a devastatingly effective cyber attack.

“I think the biggest vulnerability is cyber, for just about everybody,” Dimon said in a September television interview in India. “I think we have to focus on it; the United States government has to focus on it. We have to make sure because cyberterrorists… could cause real damage. We’re already spending a lot of money and J.P. Morgan is secure, but we should really worry about that.”

Dimon’s remarks channel the concerns of many executives — as well as many investors and consumers — in detailing the risk of a massive cybersecurity breach. October is National Cybersecurity Awareness Month, and it’s a good time to focus on the issue to ensure that you are adequately protected. …


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How smart of an investor are you?

When it comes to investing and other financial behaviors, we may like to think we’re better prepared and better informed than most people. But the reality is that learning to save and invest effectively — vital financial capabilities needed to build wealth over time — are skills that need to be developed.

To promote the importance of investor education, the International Organization of Securities Commissions (IOSCO), an association of 34 securities and futures regulatory agencies from around the world, hosted its second World Investor Week from October 1–7, 2018.

Participating IOSCO securities regulators, along with other IOSCO members and supporting organizations across the globe, will provide a variety of activities, including launching investor-focused communications and services; promoting contests to increase awareness of investor education initiatives; organizing workshops and conferences; and conducting local and national awareness campaigns in their own jurisdictions. …


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As a top economic advisor to the White House, Larry Kudlow is optimistic about the state of the U.S. economy, which recently has shown steady improvement in terms of job creation and growth. And he has a prescription for how to keep things humming: government actions should not impede business, particularly small business, in their attempt to compete globally.

That’s a key message from Kudlow’s appearance at the Securities Industry and Financial Markets Association’s (SIFMA) Annual Meeting in Washington D.C. on October 2. …


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It’s been 10 years since the 2008 financial crisis, an event that set off a historic recession. In the decade since, the U.S. markets have recovered, hiring and job creation has bounced back, and the economy has shown steady growth after several years of subpar performance.

Those hard-earned achievements are attributable in large part to the swift response from policymakers from both parties and steadfast leadership from the Federal Reserve, along with financial industry leaders who stepped forward to urge changes to the existing system. But perhaps more importantly, they stem from the essential strength and resilience of the financial system. …


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Issuance of green bonds, which refer to debt securities used to finance environmentally friendly projects, by municipal issuers have grown rapidly in recent years. State and local issuers of municipal bonds value green bonds as a way to finance projects related to areas such as sustainable energy, transportation, water and infrastructure, among others. Meanwhile, social impact investors appreciate the opportunity to put their money into assets that reflect their values.

Despite the upward trend, municipal green bonds still represent a comparatively small proportion of municipal bond offerings. …


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The U.S. economy has shown renewed strength and vigor in recent years — yet many families and workers continue to struggle. Particularly for those trying to work their way up the economic ladder, progress can be slowed by uncertain job prospects, unexpected income swings, too much debt, low savings rates and a lack of essential financial knowledge.

But could better decision-making help low- and middle-income Americans improve their financial situation? …


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The September 2017 landfalls of Hurricanes Harvey, Irma and Maria left devastation in their wake, flooding communities, displacing countless families and disrupting local businesses and economies. In the midst of disaster, Americans rose to the occasion in an inspiring display of generosity and solidarity, offering charitable donations from afar and volunteering on the scene to deliver victims to safety.

Challenges like responding to and recovering from natural disaster typically bring out the best in people and communities. Unfortunately, these same disasters also create an opening for those who would seek to manipulate and exploit victims through fraud.

Law enforcement agencies are already on the job to stop the scammers in their tracks. In Texas, for example, federal and local investigators, regulators and prosecutors formed a task force to crack down on those who may be “targeting Texans with fraudulent financial and investment schemes related to the South Texas weather crisis.” …


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With the launch of the 2018–2019 academic year, college students around the nation are returning to campus and getting started with coursework to set themselves on a path toward a degree followed by a rewarding career.

If you’re a college student or career advisor, here’s a tip: consider the financial industry for a plentiful menu of career options. A 2014 assessment of “financial specialist employment” projections by the Bureau of Labor Statistics noted that most financial specialties are likely to see growing opportunities in the years to come. …


As a parent, you’ve taught your children to be careful online. You’ve explained the potential risks in dealing with strangers, cautioned them to take care about what they post to social media services and set reasonable boundaries for screen time.

But are you following your own advice when it comes to protecting your children’s personal data? If you’re over-sharing about your kids’ activities online — a social phenomenon researchers have dubbed “sharenting” — you may be opening up your children to future risks that could include financial fraud or identity theft.

That’s according to financial services and investment banking leader Barclays, who prepared the video presentation above to encourage parents to think more carefully about the implications of information they post online about their family lives. While you might not see much potential harm in publishing details about your kids on social media sites, those details could ultimately end up being a bonanza for criminals and identity thieves. …

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