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This course is the only public course available from a major state university MBA finance professor who is nationally recognized by the Certified Financial Analyst (CFA) Institute with extensive experience in the real world working with Fortune 500 CEOs (many hold Act 22 Decrees in Puerto Rico).
This course cuts to the chase teaching business formation and management techniques that are hard to understand as a green horn (are not common-sense).
The professor of this course is the author of numerous research articles in leading financial academic publications.
Course content is grounded by three decades of actual business experience in companies I have founded and successfully managed in produce distribution, real estate investment and management, and online education. I have included insights I discovered obtaining my MBA in international financial management from Thunderbird School of Business routinely ranked #1 in U.S. News & World Report and from my Ph.D. in finance from the University of South Carolina.
This course will jump start your business ownership dreams. I have focused the content on just the most important points you need to know.
Anything boring that you could figure out on your own is shaved away. This training is all meat and no bone. Every concept has been personally implemented by me as well as taught at the Graduate School of Business of the University of Puerto Rico.
** SPECIAL BONUS: FREE 17 PAGE BUSINESS FORMATION BOOK INCLUDED ($19 value). I have included a PDF book as a free download that covers every slide and gives you a reading guide to everything and to jot down notes.
Student Buzz from Other Courses (Because this is new):
· Based on empirical aspects of best trading practice, the course is simple but contains all the distilled recipes of corporate finance. This course like all his others is simple. Experts simplify difficulties,thanks. -Ako
· I really learned a lot from this course. -Pamela McCullough
· Doesn't leave out any details. You can do it yourself - watching this course. Well done! -CSI SD
· Excellent. -Eng. Ayman diab
· Another Excellent Course of Dr. Scott!! -Frankie Aponte
· Turn a side-business into a family retirement plan cash cow.
· Launch your business from scratch, for yourself and your family, make it your way.
· Legally Avoid paying FICA self-employment tax.
· Reduce your Taxes.
· Set up and fund a Solo 401(k) and a Roth 401(k) you direct yourself alongside your employer sponsored plan.
· Avoid risky inventory based business.
· Set up a simple service business from a home office.
· Create a family corporate health plan.
Enroll right now to capture all of these important benefits. -Doc Brown
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|Section 1: Dr. Brown Welcomes You to this Academic Fact Based Optimal Lottery Play Course!|
How to get the most out of this course and what to expect.
|Section 2: How to Start a Business that Qualifies You to Create a Solo 401K and Roth 401K|
What Kind of Business do you Want to Start?
The least risky of businesses are created when we sell our talents as services. The most amazing businesses come about when ordinary people focus on their extraordinary talents.
Entrepreneur Magazine lists The ‘Top 100 Low-Cost Franchises.’
And the benefits don’t stop there. A service business is the easiest to operate out of your home.
But you will need to be truly up to date in terms of experience, licenses, and regulations. You can also create a business teaching others how to do something you do well.
I make additional income through a business that allows me to sell my investing training to the public.
When it comes to creating a service business you must think through all your options to find the most profitable idea. Some people are very good at selling goods.
This means carrying risky inventory.
A couple of years ago a bunch of internet marketing gurus were showing people how to make money in an Amazon.com FBA business. I decided to give it a try.
I lost money (not much) because I could not sell the inventory. It can be even worse financially if you control a production facility to manufacture things if sales drop.
Do you see why a simple service business where you sell your knowledge and talents is the least risky of all businesses? Some of the most unbelievable success stories have come from service businesses.
Facebook is an example. Microsoft and Apple are others.
Where Business Failure Rates Are Headed in the Next Five Years
According to the U.S. Bureau of Labor Statistics,
"About half of all new establishments survive five years or more and about one-third survive 10 years or more. As one would expect, the probability of survival increases with a firm’s age. Survival rates have changed little over time.”
What you will learn in my courses will help you avoid failure. I want to help you design a business that will be one of the survivors five years from now.
The Three Ps of Business Success
Make sure you watch the hit T.V. show “The Profit” with Marcus Lemonis. He was taught by Lee Iacocca that good businesses have good People, good Products, and good Processes.
You will have to become skilled at many aspects of the operation of the business as the manager for your business. This involves product or service development, marketing, and accounting.
Success in business comes most easily to individuals who are well organized, read everything carefully, are willing to tackle numbers, have a pleasant personality, pay their bills on time, and seek expert help on complex matters ranging from taxation to licensing and patents.
No matter what, you will be forced to decide on a legal structure for your new business. These include,
The Sole Proprietorship
This business structure is the easiest and cheapest to form. You don’t have to pay to incorporate.
You simply run the business through your social security number.
You are a sole proprietor the moment you make money from cleaning a swimming pool or mowing a yard in your new landscaping business. A friend of mine has made a lot of money this way over the years as a side business.
Then he opened up a solo 401(k) and shoveled as much money in as he could in addition to the matched savings percent of his salary he scraped into his employer sponsored plan. He has a lot of money today invested in both stocks and real estate.
His seed capital for his investments was the money he received for cleaning swimming pools and selling supplies to owners.
Any legal liability flows straight to you. For that reason, a sole proprietorship is not a good way to run a large complex business with lots of possible forms of liability.
Do not pay yourself a wage as a sole proprietor.
Sole proprietorship profits flow to your personal return in addition to money from your salaried job. You file your taxes a sole proprietor via IRS Schedule C along with your personal return.
As your sole proprietorship grows it will likely mature into an LLC as discussed below.
Partnerships are messy. I don’t recommend them unless your partner is your husband or your wife.
Make sure that you open a solo 401(k) and a Roth 401(k) for them too. The sole proprietorship is the least regulated business entity.
My friend’s pool business grew over time. He eventually formed a Nevada LLC that files an IRS return as an S-Corporation. Always remember that legal structure when incorporating and election of IRS treatment are two different independent choices you will make.
He already had his Solo and Roth 401(k) plans set up as a sole proprietor. Hence he continued funding the same plans as before.
C Corporations are far too expensive to set up and capitalize (fund) for small family businesses. To set one up you have to file incorporation papers that include articles, bylaws, and stock certificates that are approved by your state.
You also have to pay registration fees and corporate franchise taxes.
The Limited Liability Company (LLC)
This is similar to a corporation but allows you to avoid paying FICA tax. This is particularly important when you are running a profitable side business parallel to your salaried job.
It is most common for people to start as a sole proprietorship then convert to an LLC to eliminate FICA taxes as sole proprietor profits rise.
Be careful about hiring employees. The complexity and cost of the business skyrockets with employees.
You can make up almost any business name you want. Here are some important guidelines.
What They Never Told You About Permits and Licensing
You have to check your local regulations. I run my online business through a Nevada LLC because the state imposes the minimum amount of permits and licensing requirements.
Investigate the following in the state and city in which you are forming your business.
This is a short list of administrative detail you must look into. Don’t be afraid to investigate deeper into industry specific regulations.
The Federal Trade Commission (FTC) and Securities Exchange Commission (SEC)
There are things that are specially regulated under the FTC. Other businesses may also fall under the SEC. Make sure you investigate carefully to avoid running afoul with the Federal Government. Here are a few,
Each of these areas has special laws that you must read to make sure that you know how to create a fully compliant business.
There are a number of risks to your business that can be reduced through insurance. Here are the most common types of insurance family businesses need. Each is costly. Make sure you engage in careful analysis of the type and minimal safe amount of coverage you need. Then shop around. Research in this area can both protect your business and reduce your cost of insurance to the bare minimum needed.
A lot of business owners neglect writing a business plan because they don’t have to. This is especially so in a new industry where the ‘right way’ is unclear.
But other businesses require business plans.
An example is when you go after government grant money or tax benefits. In that case you will need a Small Business Administration conforming business plan. The best, easiest and fastest way to do this is with the Live Plan from Palo Alto Software.
This software will allow you to complete a business plan in as little as 5 hours on a lazy afternoon that provides,
You save a huge amount of time and money by never making an employee of anybody but you and your spouse in the LLC associated with your Solo 401(k) and Roth 401(k). Let me explain.
If you bring somebody onto your payroll you will have to perform the following additional tasks for each employee individually:
All this will pump up your cost per employee by a full third. If you pay an employee $20 per hour the hassles and cost mean that you are effectively paying $26 per hour.
And your problems from employees don’t stop there. The IRS scrutinizes businesses with employees more closely. Payroll tax returns are demanded on a tight schedule under employment laws. Payroll tax evasion will close your business and could put you behind bars.
Payroll services such as those of industry leader Paychex can help but don’t reduce the cost of carrying employees.
My recommendation is to try to avoid employees if you are operating a business you don’t expect to scale up. For instance, my business is really that of a technical writer.
I don’t need a staff.
When I do need help I simply hire people as independent contractors. You have to file a IRS form 1099 for each contractor. Make sure that they work on a part-time basis and not solely for you.
Here is how the IRS can decide that an independent contractor is really your full-time employee.
Your best protection is an accountant who has never lost an IRS audit like mine. Your contractor can be reassigned as a statutory employee above in an audit.
You must be very careful to always to know the legal status of the people you hire for help. And don’t ever pay your contractors under the table.
There are times when the kind of help you need require actual employees.
CEO Dave Watkins once told me that if you can successfully manage your business team to encompass about 80 employees you could be on a trajectory for creating a Fortune 500 company.
So don’t count out the possibility of having employees if you do move up to the big time of business management.
I have observed and experienced so many problems with partnerships that I simply recommend that you not enter into one. You are better off incorporating.
But be careful.
Some types of corporations can increase your taxes. Some corporations are taxed in addition to the owners.
Double taxation can sting your pocketbook.
You can also get hit with franchise taxes. You are not protected from any misfeasance or malfeasance by you or anybody else in your corporation.
On the good side incorporating simplifies ownership and transfer. You can also hire yourself as an owner-employee to reduce corporate income tax by increasing business expenses.
But you have to be careful to avoid jeopardizing Social Security payments when running a profitable family business in retirement from a long salaried career.
A C-Corporation can provide a family health plan, additional retirement plans, and tax deductions on inventory, state & local taxes, and charitable contributions.
Don’t waste money on a C Corporation until you have a very profitable business. And don’t ever pay yourself from an unprofitable C Corporation or you will be paying unnecessary payroll taxes.
Running an incorporated business also makes it easier for you to get SBA loans. Finally, you can retain up to a quarter of a million dollars as retained earnings if you run a corporation.
This reduces double taxation.
The main point is that you will probably create a C Corporation only after your LLC or Subchapter S corporation becomes obscenely profitable.
Otherwise it won’t be worth it.
How Low Can a Sub-chapter S Corporation Taxes Go?
Sub-chapter S of the IRS code sets forth the rules for a very different type of corporation than the C Corp described above.
There are 4 massive tax benefits of a Subchapter S corporation …
You can form a corporation in any state using a simple and low cost service such as Legal Zoom. This will carry you through the steps to set up your articles of incorporation and corporate bylaws for as little as $149.
If you need to incorporate in Nevada, have your books set up with a chart of accounts, get bookkeeping & accounting services be selective. I use the services of Jack Cohen, CPA in Las Vegas in Nevada.
Limited Liability Company Will Make You Question Proprietorships & Partnerships
Many partnerships have reformed into LLCs because of enhanced asset protection, limited liability, and the alleviation of paying FICA taxes.
The LLC is a pass-through entity when it comes to taxation. That means that revenues flow into the business and are offset by expenses.
The remaining profits then pass-through to the owner’s personal tax return with no double taxation.
The astounding news is that unlike a sole proprietorship or a partnership you don’t have to pay self-employment tax (Social Security, Medicare, etcetera).
You can also expel a bad partner-member from your LLC. You can’t do that if they were a shareholder of your C Corporation.
You also don’t have any capital requirements that apply to a C Corporation.
Make sure you check your state regulations. Once you have formed a Limited Liability Company that files returns with the IRS as an S Corporation you are now permitted to form a Solo 401(k). You should also simultaneously form a Roth 401(k).
|Quiz 1||7 questions|
Test your knowledge of starting a business correctly.
|Section 3: Establishing an Individual 401(k) Plan for Professionals & for Business Owners!|
Up until now this course has taught you how to manage your traditional 401(k) plan offered as a small menu of mutual funds plus company stock. Congress recognized the need to extend a comparable retirement plan to self-employed professionals.
This is called the individual 401(k) plan.
And strangely it is known by many names ...
This plan is for you if you have no employees and make money in your own business or on a contract by contract basis.
Today you can opt for a Roth or a standard version. The Roth version allows you to sock away after-tax contributions. You pay no tax when money is withdrawn upon retirement.
I recommend that you opt for the traditional version.
There is no better tax deduction. Your individual 401(k) contribution comes straight off your W-2 income.
Your retirement grows tax deferred. Most likely you will retire into a lower tax bracket.
Your withdrawals are taxed at your long term capital gains rate. And the individual 401(k) allows you to borrow against your retirement savings before the age of 59 ½.
An individual 401(k) plan is your next step as you develop into a professional saving machine. The contribution limits are enormous. According to the IRS, “$18,000 in 2015 and 2016, or $24,000 in 2015 and 2016 if age 50 or over; plus, Employer non-elective contributions up to 25% of compensation.”
That amounts to $180,000 to $240,000 saved over 10 years.
The good news does not stop there. You can contribute the maximum when you are fat with cash.
Save nothing in lean years as needed.
An individual 401(k) is for you if you earn money on side jobs or a business solely owned by you outside of your salaried employment.
You may contribute to an individual 401(k) if you have no employees except for your spouse.
This plan is not for you if you are not already financially stable. You must go into this with the intention of keeping all of the money into the account until you reach age 59 ½. You will be hit with a 10% early withdrawal penalty, and income taxes. There are a few penalty-free exceptions...
But don’t go into this if you think that there is a chance you will have to Bogart the money.
If you need to rob your individual 401(k) piggy bank such that you would be hit with taxes and a penalty you are far better off to take out a loan. You can loan yourself up to $50K or half of the account balance whichever is less.
Make sure that the use is not one that the IRS considers to be a “ hardship withdrawal .” These include funeral expenses and large medical costs.
Stocks offer the highest expected return, by far, over bonds. The best investments are rising stocks that continue to rise.
There are two valid approaches to stock investing.
The first is value investing. The second is momentum investing.
A value investor buys stocks that have been dropping. It is important to understand that 99.99% of dropping stocks are worthless stocks of no value.
Contrarians are value investors.
You have to wait and watch for the signs that a dropping stocks has recovered on solid earnings to find a true value stock. Again most dropping stocks are fool’s gold chased by dumb money.
The second method is far more profitable in expected return than value.
Momentum stocks are rising into new price highs.
Once you find a strongly rising momentum or value stock you can increase potential gains (and losses) with deep in the money calls. A futures option or contract can be used in an external account as portfolio insurance in down turns.
You are best off with a Roth IRA and a standard individual 401(k) plus an employer sponsored 401(k). Just make sure that you back out the contribution made to your employer sponsored 401(k) before contributing to your individual 401(k).
When you pay taxes on the 401(k) for withdrawals in retirement you will be paying at your long term capital gains rate.
This can be as low as 0%.
Your income will drop in retirement as your actively earned income evaporates. With your Roth IRA in place you can choose to some degree how much tax you want to pay up to the age of mandatory withdrawals at 70 ½.
These are the rates fro 2016 according to the IRS, “The tax rate on most net capital gain is no higher than 15% for most taxpayers. Some or all net capital gain may be taxed at 0% if you are in the 10% or 15% ordinary income tax brackets. However, a 20% tax rate on net capital gain applies to the extent that a taxpayer’s taxable income exceeds the thresholds set for the 39.6% ordinary tax rate ($413,200 for single; $464,850 for married filing jointly or qualifying widow(er); $439,000 for head of household, and $232,425 for married filing separately).
There are a few other exceptions where capital gains may be taxed at rates greater than 15%:
The individual 401(k) plan is for you if you are a person who is constantly building multiple streams of income solely or in addition to a salaried job. An individual 401(k) is not for you if you and your spouse only earn income from salaried jobs. In that case you should consider a Roth IRA. Actually in either case you should open a Roth IRA.
Make sure you open a fully self-directed individual 401(k) plan such as that offered by TDAmeritrade for self-employed professionals. Do not open your account if the provider tries to push you into a menu driven plan. Compare the setup costs with TDAmeritrade and other large providers of fully self-directed 401(k) plans. Not every provider offers loans on your individual 401(k) plan — TDAmeritrade does. Make sure you have the option to take a loan if you need to.
If you receive W-2 Income from part time work outside of your salaried job or as the sole proprietor of a business with no employees, you can set up a solo 401(k) for you and your spouse. It is important to understand the following roles most of which you will occupy.
Internal Revenue Code Section (IRC) 401 deals with your solo 401(k) plan. But it does not have any restrictions on who can be a trustee for our Solo 401(k).
The trustee manages the cash and investment positions of a trust. The solo 401(k) allows you to be the trustee of your 401(k).
The administrator of your 401(k) does the record keeping in your filing cabinet. You can be your plan administrator and trustee at the same time.
This is you.
This is your spouse automatically. Unless forms are filed explaining why otherwise.
In a typical trust banks act as custodians for a fee — sometimes ridiculously large — for doing nothing more than accept custody.
But… the Solo 401(k) needs no stinking custodian
Taking a loan is generally a better idea than taking a non-qualified withdrawal. The loan is at a low rate and avoids taxes and penalties.
Cuts to a tour of my solo 401(k) account and forms.
I am extremely pleased and excited that you have joined this financial learning community on starting a business properly. There are four courses that may interest you to round-out your education. I am offering you the special tuition of $10. That is $190 off.
Coupons are limited and do expire.
When I started my business decades ago I thought I knew what I was doing because of my MBA. I quickly learned that book learning and street smarts are two different beasts.
My biggest surprise was that the stock market offered us the best opportunities for retirement. The problem is that attorneys and financial planners carefully guard secrets of setting everything up properly.
You are way ahead of the game once you get your Roth IRA and Roth 401(k) set up. That’s because these accounts can be self-directed.
But what stocks or options should you buy? Even more important which should you avoid. These three courses help you find answers under my direct tutelage,
If you are working for a salaried job outside your LLC you likely have an employer sponsored 401(k). This account is not self-directed. Your employer establishes a small menu of company stock and a few mutual funds that you select from. This course shows you simple tricks to select the right investment in your employer sponsored 401(k).
I am waiting to help you through these additional dimensions of risk you and your family face. I am your mentor. I am as committed to the financial success of your family as you are. -Doc Brown
|Quiz 2||10 questions|
How well do you understand your retirement planning? Take this test to find out.
"There is no one like you that I know of who is this transparent, that is what makes your service and education so valuable. Please keep on." -L.B. A Washington State Stock Investor
Dr. Scott Brown and “Intelligent Investing” — helping you get the most out of your hard earned investment capital.
As an investor, I have spent over 35 years reading anecdotal accounts of the greatest investors and traders in history. My net worth has grown dramatically by applying the distilled wisdom of past giants.
I have researched and tested what works in the world’s most challenging capital markets — and I teach you every trick I know in my Udemy courses!
>>>Learn from leading financial experts!
>>> How about discovering how I have tripled family member’s accounts in six years with simple stock picks?
>>> Want to master set and forget limit stop loss tactics for sound sleep?
>>> Does Forexinterest you?
>>>Is your employer sponsored 401(k) plan optimized?
>>>Do you know the fastest rising highest dividend yielding common stock shares in the market today?
>>> High roller? How would you like to know how to dramatically lever your savings with deep-in-the-money call options?
Enrollin my Udemy courses — you can prosper from all of this — plus much, much more now!
(In the last six years we have exploded our net worth and are absolutely debt free, we live a semi-retired Caribbeanlifestyle in atriple gatedupscale planned community from a spacious low maintenance condo looking down on our tropical beach paradise below).
My Curriculum Vitae:
Investment Writing and Speaking:
I am an internationalspeaker oninvestments. In 2010 I gave a series of lectures onboard Brilliance of the Seas as a guest speaker on their Mediterranean cruise. Financial topics are normally forbidden for cruise speakers. But with me they make an exception because of my financial pedigree.
On day 6 the topic I discussed was “Free and Clear: Secrets of Safely Investing in Real Estate!“ The day 7 topic was “Investment Style and Category: How the Stock Market Really Works!” Then on day 8 I spoke about “The 20% Solution: How to Survive and Thrive Financially in any Market!” The final talk on day 11 was “Value Investing for Dummies: When Dumb Money is Smart!”
Gina Verteouris is the Cruise Programs Administrator of the Brilliance of the Seas of Royal Caribbean Cruise Lines. Regarding my on-board teachings she writes on June 19th, “You have really gone above and beyond expectations with your lectures and we have received many positive comments from our Guests.”
I sponsored and organized an investing conference at Caesars Palace in Las Vegas in 2011 under my Wallet Doctor brand. This intimate conference was attended by 14 paying attendees.
As such many strides were made in financial education that week. For instance I met a woman who is a retired engineer from the Reno, Nevada area.
She made a fortune on deep in the money calls during the bull markets of the 90s.
This humble and retired engineer inspired me to look more seriously at deep in the money calls with far expiration. She also gave me an important clue regarding trading volume.
Her call option and volume insights have been confirmed in the Journal of Finance.
In 2012 I gave a workshop at the FreedomFest Global Financial Summit on stock investing at the Atlantis Bahamas Resort. I was also a panelist on a discussion of capital markets.
My course “How to Build a Million Dollar Portfolio from Scratch" at the Oxford Club is an international bestseller. In 2014 I co-authored “Tax Advantaged Wealth” with leading IRS expert Jack Cohen, CPA. This was the crown jewel of the Oxford Club Wealth Survival Summit.
I have been a regular speaker at the Investment U Conferences.
In 2012 I gave a workshop entitled “How to Increase Oxford Club Newsletter Returns by 10 Fold!” The conference was held at the Grand Del Mar Resort in San Diego, California. This resort destination is rated #1 on TripAdvisor.
In 2013 I spoke at the Oxford Club’s Investment U Conference in San Diego California. The talk was entitled “The Best Buy Signal in 103 Years!” Later in the summer I spoke at the Oxford Club Private Wealth Conference at the Ojai Valley Inn.
This was at the same time that Jimmy Kimmel married Molly McNearney in the posh California celebrity resort. It was fun to watch some of the celebrities who lingered.
I also operate a live weekly investment mentorship subscription service under the Bullet-Proof brand every Monday night by GoToWebinar.
I am an associate professor of finance of the AACSB Accredited Graduate School of Business at the University of Puerto Rico. My research appears in some of the most prestigious academic journals in the field of investments including the Journal of Financial Research and Financial Management. This work is highly regarded on both Main Street and Wall Street. My research on investment newsletter returns was considered so important to investors that it was featured in the CFA Digest.
The Certified Financial Analyst (CFA)is the most prestigious practitioner credential in investments on Wall Street.
Prestigious finance professor Bill Christie of the Owen School of Business of Vanderbilt University and then editor of Financial Management felt that our study was valuable to financial society. We showed that the average investment newsletter is not worth the cost of subscription.
I am the lead researcher on the Puerto Rico Act 20 and 22 job impact study. This was signed between DDEC secretary Alberto Bacó and Chancellor Severino of the University of Puerto Rico.
(See Brown, S., Cao-Alvira, J. & Powers, E. (2013). Do Investment Newsletters Move Markets? Financial Management, Vol. XXXXII, (2), 315-338. And see Brown, S., Powers, E., & Koch, T. (2009). Slippage and the Choice of Market or Limit orders in Futures Trading. Journal of Financial Research, Vol. XXXII (3), 305-309)
I hold a Ph.D. in Finance from the AACSB Accredited Darla Moore School of Business of the University of South Carolina. My dissertation on futures market slippage was sponsored by The Chicago Board of Trade. Eric Powers, Tim Koch, and Glenn Harrison composed my dissertation committee. Professor Powers holds his Ph.D. in finance from the Sloan School of Business at the Massachusetts Institute of Technology [MIT]. Eric is a leading researcher in corporate finance and is a thought leader in spin offs and carve outs.
Dr. Harrison is the C.V. Starr economics professor at the J. Mack Robinson School of Business at Georgia State University.
He holds his doctorate in economics from the University of California at Los Angeles. Glenn is a thought leader in experimental economics and is the director of the Center for the Economic Analysis of Risk.
Tim Koch is a professor of banking. Dr. Koch holds his Ph.D. in finance from Purdue University and is a major influence in the industry.
My dissertation proved that under normal conditions traders and investors are better off entering on market while protectingwith stop limit orders. The subsequent article was published in the prestigious Journal of Financial Research now domiciled at Texas Tech University — a leading research institution.
I earned a masters in international financial management from the Thunderbird American Graduate School of International Business. Thunderbird consistently ranks as the #1 international business school in the U.S. News & World Report, and BloombergBusinessWeek.
I spoke at the 2010 annual conference of the International Association of Business and Economics (IABE) conference in Las Vegas, Nevada. The research presented facts regarding price changes as orders flow increases in the stock market by advisory services.
I spoke at the 2010 Financial Management Association [FMA] annual conference in New York on investment newsletters. The paper was later published in the prestigious journal “Financial Management.”
I presented an important study named “Do Investment Newsletters Move Markets?” at the XLVI Annual Meeting of the Consejo Latinoamericano de Escuelas de Administración (CLADEA) in 2011 in San Juan, Puerto Rico. The year before that I presented my futures slippage research at a major renewable energy conference in Ubatuba, Brazil.
I spoke at the Clute International Conferences in 2011 in Las Vegas, Nevada. The research dealt with the price impact of newsletter recommendations in the stock market.
I presented a working paper entitled “The Life Cycle of Make-whole Call Provisions” at the 2013 Annual Meeting of the Southern Finance Association in Fajardo, Puerto Rico in session B.2 Debt Issues chaired by Professor LeRoy D. Brooks of John Carroll University. Luis Garcia-Feijoo of Florida Atlantic University was the discussant. I chaired the session entitled “Credit And Default Risk: Origins And Resolution.” Then I was the discussant for research entitled "NPL Resolution: Bank-Level Evidence From A Low Income Country" by finance professor Lucy Chernykh of Clemson University and Abu S Amin of Sacred Heart University and Mahmood Osman Imam of the University of Dhaka in Bangladesh.
That same year I presented the same study to the Annual Meeting of the Financial Management Association in Chicago, Illinois. I did so in session 183 – Topics in Mergers and Acquisitions chaired by James Conover of the University of North Texas with Teresa Conover as discussant. I chaired session 075 – Financial Crisis: Bank Debt Issuance and Fund Allocation. Then I was the discussant for TARP Funds Distribution: Evidence from Bank Internal Capital Markets by Elisabeta Pana of Illinois Wesleyan University and Tarun Mukherjee of the University of New Orleans.
I am a member of the MBA Curriculum Review Committee, the MBA Admissions Committee, The Doctoral Finance Admissions Committee, the Graduate School Personnel Committee, and the Doctoral Program Committee of the School of Business of the University of Puerto Rico.
I am the editor of Momentum Investor Magazine. I co-founded the magazine with publisher Daniel Hall, J.D. We have published three issues so far. Momentum Investor Magazine allows me to interview very important people in the finance industry. I interview sub director Suarez of the DDEC responsible for the assignment of Puerto Rico act 20 and 22 licenses for corporate and portfolio tax reduction in the third edition. Then I interview renowned value investor Mohnish Prabia in the upcoming fourth edition — to be made available via Udemy. Valuable stock market information will be taught throughout.
In October of 2010 I arranged for the donation to The Graduate School of Business of the University of Puerto Rico of $67,248 worth of financial software to the department that has been used in different courses. This was graciously awarded by Gecko Software.
I have guided thousands of investors to superior returns. I very much look forward to mentoring you as to managing your investments to your optima! –Scott
Dr. Scott Brown, Associate Professor of Finance of the AACSB Accredited Graduate School of Business of the University of Puerto Rico.