Looking back over the first half of 2016, the FTSE 100 index increased by 6.7 percent when dividend payments are taken into account. However, this positive performance disguises the substantial equity market volatility seen in February, and again following the Brexit decision in June. The moves in the headline index are again misleading and market outlook is clouded in political maneuvering.
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Fund groups face disruptive developments, as advances in financial technology, often called fintech, continue at an ever more rapid pace. Even as new efficiencies and opportunities blossom, regulators have pushed financial firms to recognize the dangers of technological failures. To prepare for the changes ushered in by fintech, it is important for fund boards, investment managers and separate account advisers to have a deep understanding of the issues and risks surrounding Fintech developments.
While not every breach involves a type of personal information that requires notification or disclosure, every breach requires attention and an individualized response tailored to the facts and nature of the breach, and an evaluation of how processes can be improved to minimize the risk of future breaches. The most recent Security Breach Notification Law Chart offers business owners and compliance professionals a comprehensive view of state laws and understanding of each state’s sometimes unique security breach notification requirements.
The dynamic of having an exciting company with immediate needs juxtaposed against the uncertainty of the company’s growth or other changes in the coming years requires a thoughtful and practical approach when it comes to negotiating lease terms. The issues to consider for these types of leases are not just an “us versus them” or a “millennials versus older generation” polarization. For these types of leases, both the landlord and tenant must communicate expectations and deal-breakers early in the process.
In an illustrative, legal analysis on the ownership treatment of bitcoin under the U.S. State property law, the focus turns to California law for guidance on whether bitcoin ownership should be recognized as a property right. Although there are possible challenges to treating bitcoin as property, they do not undercut the legitimacy of such rights or create unmanageable enforcement issues.
If your boat is hauled out for winter storage, here are some suggestions on what to do before, during, and after the haulout. Each recommended step will help you ensure that your vessel will be ready for safe and reliable cruising again next year.
The more you have acquired, the higher your risk for litigious encounters. Your financial security could become severely compromised due to accidental events you may have thought were adequately covered. Excess liability insurance responds when the underlying liability limits of your various other policies have been exhausted. It is a critical, but often overlooked, component of your personal risk management portfolio. View the video below to learn more about excess liability insurance.
Ask a wealth management colleague to define “the cloud” and you are likely to get a vague response. Even among information technology experts, the term “cloud” may refer to different technologies that are only connected in a general sense. And despite the fact that cloud computing has quickly become the IT norm, the question remains: Is the cloud secure enough to support a wealth management firm’s critical company information and workflow? The truth is, not all clouds are equal, in infrastructure and in management.
Asset protection follows the continuum of life’s events, reflecting the changes that individuals, families, careers, businesses and wealth undergo. Within the wealth spectrum, a simple way of thinking about asset protection strategies is from lower risk and simpler tactics to higher risk and more complex and sophisticated tactics. This approach will cover everything from how assets are owned and titled to how they’re insured and protected against risk to how they can be held for efficient asset management.
Some 90 percent of adults over 65 prefer to “age in place,” and even the need for health or mobility assistance doesn’t change their desire to stay in their own homes. It raises issues not just for Baby Boomers, but for those who are responsible for their transitioning through the stages of aging. The “aging in place” trend has also brought with it significantly more options and risks on the continuum of care. Welcome to senior citizenship, 21st Century style.