... obtaining a loan from a bank. In reality, this is not always the case. In the restaurant business, investor capital can be quite costly. In most cases, investors require at least a 50% stake in the establishment, whereas a bank loan secured by collateral ... ... better to avoid such collaboration from the outset. It’s essential to evaluate the options over several years and analyze which approach will ultimately be more profitable—investment or loan. Many are convinced that any investor will eagerly fund an exciting ...

... founder of Open Oil Market, I see that for our company and the entire B2B trade industry, this time requires a more careful approach to finance and strategic planning. High interest rates complicate access to capital, which makes it especially difficult ... ... are actively working to optimize internal processes and increase the level of digitalization, which will allow us to reduce costs and increase competitiveness. Innovation and digitalization help us be flexible and ready for any changes in the market....

... missing out) effect among market participants. However, the high level of valuations (the S&P 500 price-to-earnings ratio is approaching 22–23 versus a historical norm of about 16) prompts investors to remain vigilant: any disappointment – whether ... ... Key drivers of sentiment in Europe remain news on global trade. Amid ongoing trade disputes, European companies are incurring costs due to reciprocal tariffs – for instance, a recent report from Volkswagen AG showed a more than 30% decline in operating ...

... investing lowers the costs per unit of investment. Fees and operating expenses are spread across all shareholders, leading to lower costs for each investor compared to self-managing a similar portfolio. Shift to Passive Strategies and Fee Reductions One of the ... ... advisors) offer pre-packaged portfolio solutions based on ETFs, making investing simpler and more personalized. New products and approaches are also emerging. In particular, sustainable investment funds (ESG) are gaining popularity – investors want their ...

... reducing expenses to achieve financial well-being. However, it is important to remember that a lack of spending is not always the optimal solution. Savvy financiers emphasize that effective money saving should be based on clear goals and a healthy approach. Rules of Money Saving Budgeting: Identify your income and expenses to understand where you can cut costs. Avoiding Impulse Purchases: Always analyze the necessity of a purchase before making it. Planning Major Expenses: Determine the necessity and appropriateness of significant expenditures in advance. Utilizing Discounts and Promotions: However, do ...